What Are White-Label Payment Solutions? Your Brand, Powered by Viyona’s Infrastructure
Digital payments have evolved beyond simple transactions. Modern businesses need embedded financial experiences where they control the entire customer journey while maintaining their brand identity. Viyona Fintech’s white-label payment solutions deliver exactly that: you own the branded customer-facing experience while we power the backend infrastructure.
The Challenge: Building vs. Buying Payment Infrastructure
Building payment infrastructure in-house requires:
- Significant capital investment
- Compliance and regulatory expertise
- Technical development resources
- Ongoing maintenance and updates
- Multiple banking partnerships
Viyona’s solution: Get enterprise-grade payment infrastructure ready to deploy, fully customizable with your branding, without the development burden.
Why Choose White-Label Payment Solutions in 2025?
Legacy Systems vs. Modern Payment Needs
Traditional payment systems are rigid, expensive, and slow to adapt. Modern businesses require:
- Speed – Launch payment capabilities in weeks, not months
- Flexibility – Adapt to changing payment methods and customer preferences
- Control – Own your customer experience end-to-end
- Brand Consistency – No third-party redirects or co-branding
Viyona’s white-label payment stack enables rapid deployment while maintaining complete brand control and leaving compliance complexity to us.
Viyona Fintech’s Core White-Label Payment Products
1. Payment Collections (PayIn Solutions) – Accept Every Payment Method
Enable seamless payment acceptance across all channels with our unified payment gateway API.
Supported Payment Methods:
- Credit & Debit Cards (Visa, Mastercard, RuPay)
- Digital Wallets (Paytm, PhonePe, Google Pay)
- UPI (Unified Payments Interface)
- Net Banking (all major banks)
- EMI & Pay Later options
Key Features & Benefits:
Unified API Integration
Integrate once and accept all major payment methods through a single API endpoint. No need for multiple provider integrations.
Smart Payment Routing
Our intelligent routing engine automatically selects the optimal payment gateway based on success rates, cost, and performance metrics, increasing transaction success by up to 15%.
Real-Time Analytics Dashboard
Get transaction-level visibility with:
- Success/failure rate tracking
- Payment method performance
- Customer payment behavior insights
- Settlement reconciliation
- Fraud detection alerts
Fully Branded Checkout Experience
Customers see only your brand throughout the payment journey – no third-party logos or redirects.
2. Payout Solutions – Instant Money Disbursement Platform
Handle vendor payments, salary disbursements, refunds, and commissions with our white-label payout solution.
Payout Channels Supported:
- IMPS (Immediate Payment Service) – Instant transfers
- NEFT (National Electronic Funds Transfer)
- RTGS (Real-Time Gross Settlement)
- UPI transfers
- Digital wallet disbursements
Core Capabilities:
Bulk Payout Processing
Upload CSV files with thousands of beneficiaries and process payments in minutes. Ideal for:
- Vendor payments
- Salary disbursement
- Affiliate commissions
- Customer refunds
- Cashback campaigns
Real-Time Status Tracking
Monitor every payout with:
- Live transaction status updates
- Failed payment notifications
- Automatic retry mechanisms
- Settlement confirmations
- Comprehensive audit trails
Multi-Channel Flexibility
Route payouts intelligently based on amount, urgency, and cost optimization.
3. UPI Integration & Virtual Account Numbers (VANs)
Transform UPI from a checkout option into a complete branded payment suite while simplifying collections with Virtual Account Numbers.
UPI White-Label Features:
- Branded UPI payment flows
- QR code generation with your logo
- Intent-based payments
- Collect requests
- Recurring UPI mandates
Virtual Account Numbers (VANs) – Simplified Reconciliation
Assign unique virtual account numbers to each customer or transaction for automatic reconciliation.
Benefits:
- Instant payment attribution
- Zero manual reconciliation
- Accept payments via UPI, NEFT, RTGS, IMPS
- Scale to millions of unique accounts
- Automatic ledger updates
Use Cases:
- Subscription billing
- B2B invoicing
- Marketplace seller settlements
- Educational institutions fee collection
- Loan EMI collections
4. Connected Banking – Unified Multi-Bank Management
Manage multiple banking relationships through a single unified interface.
Modern payment strategies require relationships with multiple banks for redundancy, cost optimization, and regulatory compliance. Viyona’s Connected Banking solution eliminates the complexity.
Key Capabilities:
Consolidated Banking Dashboard
View all your banking endpoints in one place:
- Account balances across banks
- Transaction history
- Fund transfers
- Reconciliation status
Automated Reconciliation
- Automatic bank statement parsing
- Transaction matching
- Exception handling
- Dispute management
Backend System Integration
Seamlessly integrate with:
- ERP systems (SAP, Oracle, Tally)
- Treasury Management Systems (TMS)
- Accounting software
- Custom backend applications
API-First Architecture
Connect all your financial systems without fragmented integrations or manual data entry.
How Viyona’s White-Label Payment Platform Works
Simple 4-Step Integration Process
Step 1: SDK Integration
Integrate Viyona’s payment SDK into your platform (mobile app, website, or backend system). Available for:
- Web (JavaScript)
- Android & iOS
- REST APIs
- Server-side SDKs (Python, Java, Node.js, PHP)
Step 2: Brand Customization
Configure your brand elements:
- Logo and color scheme
- Custom domain
- Branded checkout pages
- Email and SMS templates
- Transaction receipts
Step 3: Customer Experience – Your Brand
Your customers interact exclusively with your branded interface throughout the payment journey. They never see Viyona’s branding or third-party payment provider logos.
Step 4: Backend Processing – Our Infrastructure
Viyona handles:
- Payment routing and optimization
- Network switching and redundancy
- Settlement and reconciliation
- Regulatory compliance
- Security and fraud prevention
- Customer support (white-labeled)
What You Gain
- Time to Market: Launch in 2-4 weeks vs. 6-12 months building in-house
- Cost Efficiency: 70% lower total cost of ownership vs. building internally
- Brand Control: Complete ownership of customer experience
- Scalability: Handle growing transaction volumes without infrastructure investment
- Compliance: PCI-DSS, RBI guidelines, data localization – all managed
Traditional vs. White-Label Approach: Strategic Comparison
| Aspect | Traditional In-House Build | Viyona White-Label Solution |
| Time to Launch | 6-12 months | 2-4 weeks |
| Development Cost | ₹50 lakhs – ₹2 crores+ | Minimal integration cost |
| User Interface | Generic payment provider UI | Fully branded, custom UI |
| System Architecture | Fragmented vendor systems | Unified platform for all payment functions |
| Operational Burden | High – in-house team needed | Low – managed service |
| Technology Investment | Ongoing dev & maintenance | Focus on core business |
| Compliance Management | Your responsibility | Viyona manages compliance |
| Scalability | Requires infrastructure planning | Auto-scales with demand |
| Payment Success Rate | Depends on implementation | Optimized routing (up to 15% higher) |
Why This is Strategic Infrastructure, Not Just a Feature
Payment infrastructure is no longer a supporting function – it’s a strategic competitive advantage. Here’s why:
Customer Experience Ownership
When you control the payment experience, you control:
- Brand perception at the most critical transaction moment
- Customer data and insights
- Cross-sell and upsell opportunities
- Loyalty and retention touchpoints
Revenue Optimization
White-label solutions enable:
- Lower transaction fees through smart routing
- Reduced cart abandonment with seamless checkout
- Faster settlements improving cash flow
- New revenue streams (payment monetization)
Business Agility
Adapt quickly to:
- New payment methods (BNPL, crypto, etc.)
- Market expansion (regional payment preferences)
- Regulatory changes
- Customer demands
Who Should Choose Viyona’s White-Label Payment Solutions?
Ideal for Multiple Business Models:
SaaS Platforms
Embed payments directly into your software for:
- Subscription billing
- Usage-based pricing
- Automated renewals
- Multi-currency support
Marketplaces & E-commerce
Enable split payments with:
- Seller payouts
- Commission management
- Escrow services
- Refund handling
Fintech & Neobanks
Build financial products with:
- Savings accounts
- Lending platforms
- Investment platforms
- BNPL services
Subscription Businesses
Automate recurring payments:
- OTT platforms
- EdTech subscriptions
- Membership services
- SaaS products
B2B & Enterprise
Handle complex payment flows:
- Vendor payments
- Payroll processing
- B2B invoicing
- Supply chain finance
Security & Compliance: Enterprise-Grade Protection
Industry-Leading Security Standards
PCI-DSS Level 1 Certified
Highest level of payment card data security
Data Encryption
- End-to-end encryption for all transactions
- Tokenization of sensitive payment data
- Secure key management
Fraud Prevention
- Real-time fraud detection
- Velocity checks
- Device fingerprinting
- Machine learning-based risk scoring
Regulatory Compliance
- RBI (Reserve Bank of India) guidelines
- NPCI (National Payments Corporation) standards
- Data localization (all data stored in India)
- KYC & AML compliance
Getting Started with Viyona Fintech
Implementation Timeline
Week 1-2: Onboarding & Integration
- Account setup and documentation
- SDK integration and testing
- Brand customization
Week 3-4: Testing & Go-Live
- Sandbox testing
- UAT (User Acceptance Testing)
- Production deployment
- Monitoring and optimization
Pricing Models
Flexible pricing to match your business stage:
- Transaction-based: Pay per transaction (most popular)
- Subscription + Transaction: Monthly fee + lower transaction rates
- Enterprise Custom: Volume-based custom pricing
Future-Proof Your Payment Infrastructure
The fintech landscape is evolving rapidly. New payment methods, regulatory changes, and customer expectations are constant. With Viyona’s white-label platform, you get:
- Automatic Updates: New payment methods added without your development effort
- Regulatory Compliance: Continuous compliance monitoring and updates
- Technology Evolution: Infrastructure improvements without migration pain
- Scalability: Grow from 100 to 10 million transactions seamlessly
Conclusion: Own Your Payment Experience, Don’t Just Use It
In today’s fintech-first economy, brand control over payment flows isn’t optional – it’s essential for competitive advantage and customer experience.
Viyona Fintech’s white-label payment platform gives you:
- Your brand identity fronting every payment interaction
- Enterprise infrastructure powering transactions behind the scenes
- Speed to market without compromising on capabilities
- Complete control without operational burden
Whether you’re a SaaS platform, marketplace, subscription business, or financial institution, this is your opportunity to stop just using payments and start owning them.
The future of payments is branded, embedded, and seamless. With Viyona’s white-label stack, your business can lead that future.