Debit card white label. Productfy is a fast and easy developer-first platform for any company to build, test, and launch financial products. Debit card white label

 
 Productfy is a fast and easy developer-first platform for any company to build, test, and launch financial productsDebit card white label  Explore All Features – Download a Presentation

Initial white label propositions will include co-branded and customisable crypto-friendly debit cards, customised rewards (e. Payments solutions backed by service power the Primax’s growth engine for clients. These rewards or loyalty points can then be redeemed for discounts, merchandise, or other. *When consolidating purchase volume processed through Marqeta’s platform in 2019. Paying with debit is preferred among most consumers, and choosing to accept Discover Debit is an opportunity to grow sales and expand your payment options. The platform provider handles all aspects of the gift card program, including the creation, distribution, and management of digital and physical gift cards. Swap to local currency any time. Design your best-fit solution, allowing you to operate effectively within an on-demand economy, launch your fintech startup, supercharge your neobank, or create cards for the travel industry. 01. com. Please contact us at info@wunderbit. Products. Issue cards through Connect. WHITE LABEL CARDS THE ULTIMATE LUXURY BRANDING. “The Hitachi Money Spot UPI ATM would provide customers a unified and secure user experience while offering them the convenience of card-less cash. The software, when integrated with your online. Fenex offer a robust and proven e-Wallet solution. Ordering cards in the application. Open new accounts. Interregional card transactions are capped at 1. What is a white-label card? White-label cards market: overview and prospects Key players in the card payments industry. Product Highlights. What’s more, your company can focus on offering private label credit cards, which allows holders to use it only in specific stores. 4 reasons why VISA is the best choice for your white-label card. Examples of businesses that are using white label card solutions successfully include loan services who use the cards to transfer funds or cryptocurrency exchanges, who may offer debit cards for. As we begin to decode the complexity of integrating these digital wallets, we’ll explore how…1 Private Label cards are defined as closed loop/RAN type cards processed over VisaNet, an open loop network. Hips White Label Payment Gateway is the next generation omnichannel payment gateway. Crypto. Hydrogen is a no-code & API platform that allows developers to easily launch white label financial products. Order new cards. Credocard co-branded cards are used in more than 30 million locations globally. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party financial. You can fund the card with PayPal balance if you have it, or top up at a retail location, or online. worldwide. EU as well as non-EU entities can apply for a merchant account, but a SEPA based IBAN account is. 7902. We provide white label debit cards for financial institutions, allowing them to empower their members. Send a paper check via USPS, and deposit with your banking mobile app or in person at a local branch. Our. Let’s take a look at some of them. Our customizable solution allows you to bring distinctive consumer value propositions to life in a way that builds your brand and business. This includes a certain number at the bank's own ATMs. Private label credit cards (sometimes referred to as “white label credit cards”) are store-brand cards that are intended to be used exclusively at a specific retailer. White-label debit cards The private-label debit card programs offer branded cards with the client company’s logo, design, and other customizations. Launch in as little as 2-weeks with no coding needed! Other Capabilities. Multiple shipping options. 10¢. They are authorized under the Payment and Settlement Systems Act, 2007, by the Reserve Bank of India. Optimize cash flow the clever way. g. The White Label Debit Card Solution A ready solution to reimbursing employee expenses and paying salary is the use of a debit card program. Affiliation of credit cards/debit cards/prepaid cards issued by banks and co-branded credit cards issued by non-banking financial companies (NBFCs) or any other entity approved by the Reserve Bank of India. These cards offer a unique blend of traditional financial…Our White-Label App is a fully turnkey solution for companies that want to get to market faster, without relying on additional engineering resources. Security. In the fast-paced world of digital assets, you’ve likely heard buzzwords like blockchain, FinTech, and cryptocurrency swirling around. $3. S. Flexible Payout Schedules. What Is a White Label Debit Card? A white label debit card is a payment card that is issued by a financial institution or a third-party provider on behalf of a bank, retailer, or other brand from the financial services industry and allows companies to offer their own. 1 Data from the McKinsey US Payments Map, calculated as share of consumer purchases by dollar value (excluding. With this card, you can easily pay for your purchases in the network of the brand that issued it to you. 17 (updated more than 1 year ago) 3 minute read. com, the pioneering payments and cryptocurrency platform, seeks to accelerate the world’s transition to cryptocurrency. A cloud hangs over Macquarie Group’s white label credit card business as the bank’s freeze on new issuance of Woolworths and Myer Visa cards enters its third year. Crypto. A crypto debit card is a revolutionary payment method, the use of which significantly simplifies the operation with digital assets when investing in cryptocurrencies. Order. The transaction process in White Label ATM operators consists of a lending bank, a sponsor bank that handles settlements and an ATM network provider. Your PIN will arrive separately for your safety. Macquarie stopped accepting applications for the Woolies’ and Myer cards amid the economic dislocation triggered by the Covid-19 pandemic in April 2020. 04. The concept of “white label” credit cards is based on a partnership between a bank and a company, with traditional banks developing and supervising the cards. $6. They are used to make online purchases, withdraw cash, and link to bank. Introducing PURE. It is a different world today than it was even a generation ago. White label banking can help you deliver easy and convenient bill payment processes. Tap More Change UPI PIN. 800. Become a part of the future of finance. White Label Crypto Debit Cards Virtual and physical prepaid debit cards, funded with crypto. By: Geir Holstad. Our services include credit cards, prepaid cards, e-wallet payments, online money remittance, and e-commerce service. There are two ways you can return your jcp. We believe these sorts of branded marketplaces are the future of. com order: At a JCPenney store: Bring your order to one of our JCPenney stores. Designed in partnership with Clay. Our BIN sponsorship services are supported by a full-featured card issuing API platform. WunderTrading offers a number of cryptocurrency turnkey platforms on a white-label basis. PURE is a scheme-agnostic EMV application that private-label card issuers and national payment. Payments. Same-Day Deposits are available to merchants on integrated software platforms with a 5:00 pm PT cut-off time for payments processed on WePay. Increase revenue. IR-2021-06, January 7, 2021. We offer a scratch-built CRM platform to make the management of the card. Easy backups and industry leading security. CdC recently launched their Debit Card White Label Program. And for parents, the app provides a real. 02. Buy Crypto Store and spend Bitcoin on your terms. 8. The best prepaid debit cards, or reloadable prepaid cards, have low or no monthly fees and offer many ways to add and withdraw money. We are here to help. The UPI-ATM is a white label ATM that facilitates cardless cash withdrawals. Launching White-Label Card — one step ahead of other brands in competition. In 2012, RBI gave the authorization to open White label ATMs and in 2013, the RBI started giving licenses. Thanks to its universal acceptance, built-in security and convenience — this is a great way to spend your money. Unlike traditional debit cards, white-label prepaid cards offer the same functionality as traditional debit cards with added benefits. We make it possible for partners to leverage our expertise, full tech stack and infrastructure and resell our assets as their own. Consumer or Corporate Debit and Credit Card. You can start super simple and just order one card for each family member. Debit Card. It allows customers of participating banks to withdraw cash without using an ATM or debit card. 2w. Payroll. Decta Limited offers accepting card payments with merchant account, merchant acquiring, service for credit card and payment processing, white-label card issuing and processing services to organizations. At Cardstream, we offer ample partnership opportunities from co-branding to a full white-label payment gateway. This video is. Introducing our new card. Seize the debit opportunity. White label debit card programs are partnerships between non-bank entities and financial institutions or payment processors that allow non-bank organizations to offer branded debit cards to their customers. Congress created the Pandemic Electronic Benefits Transfer (P-EBT) Program in Spring 2020 to help families buy food while schools were closed due to COVID-19. The ability to surcharge only applies to purchases made with a credit card, and only under certain conditions. Fast and API-driven distribution, so you can implement your app in days. 6 Best Prepaid Debit Cards. Designed in partnership with Clay. Designed to enable a wide range of modern payment solutions, the DECTA API offers precise control and full ownership of your white label card program. Find the highest rated White Label Payment Gateways in Australia pricing, reviews, free demos, trials, and more. White label disbursement platforms offer access to multiple payment types, such as debit card, bank account, and electronic wallet. When your brand logo is featured on the card, you can raise. Experience the unmatched superiority of virtual VISA debit cards, granting you the freedom to make purchases globally without constraints. Maybe that means it doesn’t look very “Wise”. Thus, retailers or brands assign a third party. Our Customized program is a white-label, co-branded card program sponsored by a financial institution, member of Visa or Mastercard, issued on a PCI/DSS processing platform and administrated by an experienced program management and risk/fraud team. Americans love ATMs; and they have loads of them - 173 per 100,000 adults at the last count. Prepaid-as-a-Service White Label Solutions on the Rise. 70) Decta Limited is an electronic money institution focused on providing a flexible payment processing platform. White-Label Cards. Card, collateral, and user interfaces can all be white labeled with your brand’s look and feel. Designing your best-fit solution, you can do business in an open-market economy, start stable fintech operation, or launch a card for travel and. White-label Digital Wallet. Issue physical, virtual and tokenized debit cards with our fully integrated embeddable applications. With SatchelPay, companies can open new current accounts and issue. Based on signed network alliance agreements over the past fourteen years with major payment networks within respective countries, Panoramic Research study, conducted 2022. Stripe offers varying levels of supportability for businesses in the crypto ecosystem, according to use case and region. proven and robust white-labelled technology platform 5 No. The Target debit card is linked to your. Step 2 use the administration portal to set up your commercial offering. For example, some cards are branded with rewards programs or retailer names. Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. We make it easy for any business to launch white. With a private label banking integration, you can issue debit and credit cards to users virtually. Payment to Payout Reconciliation. Contact us now. 81 trillion, as compared to Rs 3. That meant some tough choices. Our consulting teams will get your program up and. com has started a white label debit card program. Unlike other card issuers, our unified payments platform means we can bridge your acquiring and card issuing - helping funds flow seamlessly from one side of your business to the other, with nothing tied up in transit. Secure your funds in a non-custodial crypto app. The Kikoff Credit Account is a credit-building tool for people who might not have the credit score or the finances necessary to get a traditional credit card or use one safely. 03. Flexible ways to earn revenue! White Label Partners are able to mark up some prices and others, you receive commission from Novae or our partners. Primax’s comprehensive, highly integrated payments solutions include credit, debit, ATM and prepaid card programs, risk management, data analytics, marketing and strategic consulting, mobile platforms and loyalty programs tailored for financial institutions. Suitable for subscription services, membership fees or any other repeating payments such as those from sporting associations, clubs, libraries, and societies. 30. Keypay Offers White Label Cryptocurrency Debit Card Keypay, for instance, is a one stop reliable name in this domain providing you with some amazing benefits like white label digital currency. Explore All Features – Download a Presentation. With Mastercard Gateway you can leverage: Bring your brand and customer relationship front and center with your own payment gateway solution, powered by Mastercard Gateway. Partnerships Recary launched the Altery Visa Debit Virtual Cards for hassle-free payments with the backing of Wallester 🤝 Company Wallester Business: Elevate Your Payment Experience with 6 New Currencies!💸 Quick, Customizable, and User-Friendly Card Issuance Solutions. Card number : The card number is one of the most important parts of your card. Send money to anyone, anywhere. White label debit card services | Optimus Cards Flexible Fast Secure Scalable When it comes to cards, you could say that Optimus has it all figured out. Earn from Every Sale. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions. Providing your private label offering as a virtual option gives consumers the ability to integrate it into their mobile wallets. This gives you the information you need to make informed decisions. After your customers enroll for the services or submit applications, Novae or one of our partners take over. Discuss your requirements with us today. Give customers one more reason to keep coming back to your business—start accepting Discover Debit cards today. It is designed for domestic schemes and private payment card associations looking for chip-based security and fast time to market. The U. Offshore companies find the range of card options appealing as the white label debit card can be allied with Visa or MasterCard. Thus, retailers or brands assign a third party. Customers of participating banks can withdraw cash without the need for an ATM or debit card. Add your brand’s logo to the card and carrier. White label prepaid debit cards are loaded with a set amount of cash and issued by a company or brand. This is the quickest way to return most merchandise and receive a refund or store credit. Customers are responsible for monitoring their total assets at each. From email communications to the name of your debit program (BurgerPay?) your customers will be integrated into your branding like never before. Kiple is a VISA Principle Card Issuer in Malaysia offering white label service for prepaid card issuing. A white label payroll card works in a similar way to a white label pre-paid card, but employers simply load a worker’s wages or salary on to the card before it’s given to the worker. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party financial. The white label nature of the platform means that the branding and. White Label ATM (WLA) operators’ charge card-issuing bank fees to provide this facility to the bank’s clients. Building and maintaining a payments infrastructure is extremely resource-intensive. We use SEPA Direct Debit and cards to charge our clients according to. White-Label Cards. Payout. We need to create more innovative thought patterns from an aware perspective to get ahead in…Open a U. No credit checks, no bank account and no minimum deposit needed. Just as with its Bluebird Prepaid sibling, this American Express prepaid card allows you to deposit checks for free — if you can wait up to 10 days to receive your money. Debit and Prepaid Card Programs for Your Business or Organization Cascade is a Prepaid and Debit Card Program Manager with innovation at its core. Branded card designs. Such a card is easy to carry and allows the payee to take complete payment at once or use the balance as needed for expenses. ATM cash accepted storefront ADA accesible veteran. White Label Debit Cards are accepted in North and South American, Europe and the European Union, the Middle East, Africa, and Asia. Buy, store, swap and spend your favorite crypto all in one secure app. White Label ATM Sector in Canada Background In Canada, the major financial institutions have their own bank-owned and branded ATMs. Decta Limited offers accepting card payments with merchant account, merchant acquiring, service for credit card and payment processing, white-label card issuing and processing services to. We developed an NFT marketplace for the client that couples their iconic visual brand with our white-label NFT marketplace technology. The document explores dual-interface card personalization guidelines and includes discussion of the use of. For more information, please visit: Create Content. A much easier and secure way to top up (e-Wallet accounts), transfer within the platform to other e-Wallet users and/or transfer to banking institution makes the process a lot more efficient and cost effective. They can provide the infrastructure while you focus. It is essentially a private-label version of a traditional debit card, which means it is. Crypto. Not a prepaid or gift card program, But a true private label debit transaction. It operates pretty distinctly from a Prepaid. Setup your own customers discounts and cashback solution using Mastercard or Visa. Enter the same UPI PIN again. Examples of businesses that are using white label card solutions successfully include loan services who use the cards to transfer funds or cryptocurrency exchanges, who may offer debit cards for. 36. We’ll mail your card to you. Use the returned reservation from step #1 as the reservationId param for card processing. Instead, they carry the brand of the retailer that issues them, and they’re managed by a commercial finance company, bank, or embedded banking solutions provider. Affiliate/White Label Partner. Global Coverage – Issuing on all continents; Co-Branding and White-Label; Generic Cards Available; Live API. Imagine the ideal card for your payment program, we create its design and have it validated with Mastercard® and regulators. Seamlessly combine the power of digital payments and the convenience of a digital wallet under your brand. White-Label Card is a store-brand card issued by your brand with your company logo, design, and all necessary details. If a debit card program isn’t what you need, talk to us about our White Label Prepaid Card Program , our Guaranteed Profit Prepaid Card Program , or any other type of Custom Prepaid Card Program . White-label card. We strive for the utmost. 9 percent in 2015. Key Opinion Leaders (KOLs) to grow your card program, by offering them attractive earnings. Take the complexity out of card issuing. m. At the top right, tap your photo. Visit website. White label ATMs are. 5 billion in transactions in crypto-related cards in the first fiscal quarter of 2022. We can’t wait to hear what you think of the new look, but in the meantime, Starling’s Art Director Mark Day is here on the. Based on signed network alliance agreements over the past fourteen years with major payment networks within respective countries, Panoramic Research study, conducted 2022. As a customer, one can use these machines just as a regular ATM. You can choose to launch your white-label cards with Visa, Mastercard, or UnionPay, set them up as prepaid or debit, and select physical or virtual options. On-Ramp. The demand for white-label card issuing solutions has been on the rise in recent years, as the global cards market is experiencing never seen before growth, with “Cards Global Market Report 2023” by The Business Research Company’s total evaluation of $291. As your partner, we are committed to your success. Subscription fees: 30 days free, then $3. 7. One of Ethereum’s biggest problems is its scalability. 225: VS. Ben Proctor. The white label solution enables businesses across the fintech, DeFi, banking and crypto industries to benefit from the company’s innovative technologically-advanced and compliance-ready products and features. com for your…Considering that the average American has a credit card balance of over $6,000 and the total credit card debt held by Americans has hit $1 trillion, starting a credit card company can be a potentially lucrative move. 1,211 followers. 5% for credit cards, with no cap imposed on commercial cards. Merchants must deposit into a single Chase bank account to be eligible. Typically, white label ATMs, or WLAs, are the ATMs set up and operated by a non-bank. Developing a private-label blockchain debit card from scratch is complex. We’ve done our best to make the integration process seamless and ensure flexibility, security, and compliance. Hitachi Payment Services, a subsidiary of Japan-based Hitachi, has launched UPI-ATMs in association with the National Payments Corporation of India (NPCI) as White Label ATMs (WLAs) operated by non-banking entities. U. Let’s create a strong future for you and your banking customers. With Zypto, the new global economy is a few clicks away. Most people spend their entire lives reacting to their thoughts. Debit cards issued via the Mastercard network can be used throughout 210 countries and territories. Consumer Credit builder product. 760M$. 760M$. 15% for debit cards and 1. Virtual card issuance. Configure and manage all your virtual or physical debit and prepaid card products with a. We help you through every step, making decisions to support your goals. Customize the graphics of your cards. Elangovan Rajagopalan (Project Manager at VSSC) broke…Synapse (formerly SynapseFi), from the company of the same name in San Francisco, si a white-label banking API, providing solutions for card issuance, payments, and account set up. Wallester, an Estonian company, is issuing labelled debit cards of high-tech nature and the integration of REST API is of great help to both physical and virtual cards. Work on developing your white label IBAN and card business, and leave all the technical, operational, KYC, AML and Licensing activities to us. You can choose to launch your white-label cards with Visa, Mastercard, or UnionPay, set them up as prepaid or debit, and select physical or virtual options. 0 Crypto Debit Cards, PDPA Compliance Audit, PDPA Compliance Training Secure PGP Correspondence - 69A2 2CFE 9633 C934 0ADA 0345 5BC2 8F9F C6C2 DFF7 Email - [email protected] have integrated into many of the worlds top digital asset exchanges or launch a white-label exchange of your own. PURE is an off-the-shelf payment application from Thales that fully complies with the EMV™ standard. Bank checking account and then do any one of the following: Log in through the mobile app and go to Manage cards. They are sleek, sophisticated, and personalized — all this while providing all the functionality you would expect. For example, customers might earn points for every dollar spent on the card, which could be redeemed. Create the look and feel for your private label debit program that drives customer loyalty and reinforces the messaging of your app and your brand. Fenex provides a suite of white-label products & services that simplify payment processing and provides added value for merchants. How come MCO card is a VISA Pre-Paid Card, not VISA Debit Card (yes, there is a difference)Order one or more cards for each family member. Affordable turnkey cryptocurrency solutions in the article. Q. It is a prepaid card with the ability to load it only once and spend it in any shop or online service. Top. Directly Off-Ramp from Fiat. When to create aPrepaid Card Program. White label card issuing. Visa® Debit Cards are issued by Unit's partner banks pursuant to a license from Visa U. A white label gift card platform is a service that enables businesses to create and sell their own branded gift cards. Your Wirex Visa card does things differently. We help a family support the college student in their lives. White-label ATMs are those that are owned and operated by non-bank entities. Along with industry-leading technology and iGaming software providers, we’ll also provide you with expert guidance every single. Our entry-level EMV cards are designed for basic payment applications. As both the first company to develop a crypto-enabled debit card and crypto rewards programme and the first crypto. In the dynamic world of modern banking, White Label ATM (WLA) companies play a. S-PAY (SPC) rating N/A, ICO details, whitepaper, token price, ICO rating, reviews, team, roadmap - S-PAY is an anonymous online payment system (founded in 2. We're the fastest-growing global payments network 1 and our partners benefit from the exponential growth of our collective. White label partnerships can help you offer services of managing clients’ checking and savings accounts. Aeps Registration is. GoHenry lets kids choose from more than 45 fun debit card designs. The UPI-ATM is a white label ATM that facilitates cardless cash withdrawals. Use these cards for your business needs, highlighting your brand’s identity. With this card, you can easily pay for your purchases in the network of the brand that issued it to you. Brand and launch your digital wallet—no lengthy development work. Card issuing API. A White-label card is a great way to express your gratitude to loyal customers you have. Rewards and incentives - Rewards and incentives are a key component of any loyalty program. White-label ATMs are those that are owned and operated by non-bank entities. 3Choose the routing and processing option that best meets your program needs – authorization only or au. UPI ATM allows customers of participating banks to withdraw cash without using an ATM or debit card. WLAs offer debit card services such as cash. Non-banks set up and operate White ATMs as per the rules laid down by RBI for using ‘other bank’ ATMs. Do your shopping with crypto currency. These ATMs accept all domestic debit cards and offer the first five or three transactions per month free of cost, depending on the location. to new destinations. HOME (current) WEBINAR;. It empowers customers of participating banks to withdraw money without the necessity of an ATM or debit card. 36. Our white-label credit and debit cards are integrated with Google Pay™, Apple Pay™, and Samsung Pay™ so your customers can tap to pay securely with their Android or iOS devices. Apto allows you to connect physical or virtual debit cards to any currency, including crypto. This is a powerful tool for building brand recognition and increasing customer loyalty. Akurateco, BlueSnap, Stripe, Dwolla, and Ikajo are the five top providers of white-label payment gateways. With solid relationships with multiple issuing banks and highly efficient systems, we help our customers to create their own branded prepaid debit card reselling programs. Includes prepaid. PAYMENTZ follows the global standard during card details storage and transmission to your bank. White Label ATM Operators in India. White Label Crypto Debit Cards. Many choose to live and do business away from their nation of origin. Despite being relegated to the back portion, these pieces of information are still important. McQueens $149. Find your use caseAll Target cards can be used at Target stores (brick-and-mortar and online). These cards are used with major credit card companies allowing use world wide. debit card. You can easily make a request for them through Online Banking. EST) Through our Total Card Management (TCM) Program, you can bring individuals, small businesses, and larger local organizations a well. Comprehensive debit card processing. Does not require KYC. With a single-integration, our card issuing platform allows you to advance seamlessly from card setup through embossing, fulfillment and activation. Crypto credit vs. Below you will find the most common ones: Simplify credit card payments. #Chandraaayan3 will be launch in Coming August 2023. White-label debit card issuing is a service offered by financial institutions that allows businesses to issue branded debit cards to their customers, without having to invest in the infrastructure and resources required to manage the card issuance process themselves. A. Our Prepaid Card Programs are ready to be white-labeled based on your requirements. Fully licensed and compliant for major global card schemes. your money your way. And you’d be right! If you’re looking for a simple, trusted. Use these cards for your business needs, highlighting your brand’s identity. Digital customer onboarding with credit cards. White-label debit cards. Virtual cards are the fastest way to pay online globally for your customers. 2. You can customize any brand and corporate card. S. Get your business ready with all white labelled Payment Gateway . Debit Cards Spending Cards. With WatchDog, you can supplement your card service by. PAYMENTZ platform gets. We also have the know-how to help you quickly offer high volumes of dual-currency digital accounts and debit cards with all the features of. When customers see your logo every time they use their debit card, it reinforces the connection they have. The Sponsor bank provides the cash facility for the White ATM. Discover how Partners are using Cardstream >. com is headquartered in Singapore. Every time the recipient reaches out to their gift card, they get an instant reminder who gave them their gift. Online customer support, statistical data analysis, risk control, and more — all features available on a single platform in real time! White-label card programs, branded payment cards, company mobile app and personalized. We offer an end to end, in-house consumer and commercial card issuing and processing. However, this is not the same technology that businesses use to issue credit or debit cards. Products & Services. Smart Contract Audit, DEFI White label Development (pancakeswap clone, DEX Clone, White label Crypto Debit Cards, Web 3. Issue all crypto cards easily with visa and mastercard. UK, Selected EEA. worldwide. Partner with a turnkey crypto card service that offers white labeling. Issue company branded money by providing white label gift cards to customers and employees for any occasion. If you're in Dubai this week you can find us at the Gitex Event Stand H1-D20! White Label Loyalty. The 2022 transaction value of Neobanks exceeded $3. Definition of white label payment gateways.