gatewayOne connects your white-label payment product to the PSPs, acquirers, open banking providers and banks you choose – point of sale and e-commerce, in any market, through one API. Your merchants stay merchant of record. Your team stops running payment infrastructure.
Your merchants take local debit cards at the counter, send payment links and receive bank transfers. A checkout-only layer covers a fraction of that. The rest becomes your team's job.
Card-present runs on PSP-specific terminal fleets. Most gateways only route online payments.
Virtual IBANs, bank statements and bank matching sit outside every PSP dashboard.
A second PSP or a local acquirer means new integrations, reports and support cases.
You offer payments under your own brand. Behind it, gatewayOne connects terminals, checkouts, payment links and bank rails – with one data model for every channel.
International and domestic cards, Apple Pay and Google Pay on the certified terminals of your PSPs and acquirers. Every terminal fleet managed in one place.
Checkout and payment links for cards and wallets, pay by bank, virtual IBAN transfers, local methods and BNPL. The same merchant, the same reporting.
Configured under your brand, for your platform and merchant structure.
You sign directly with your PSPs, acquirers and banks. We connect them.
One API and one webhook model for terminal and online payments.
Add a country, a method or a provider as configuration, not as a project.
Global PSPs, local acquirers, open banking and direct bank access. Each connector includes settlement and reconciliation data.
Cards and wallets, online and on terminals, across many markets.
Direct acquiring relationships for card-present and card-not-present.
Domestic schemes and local methods, in store and online.
Pay by bank and account information through your open banking providers.
Statements and bank match with your house banks, for example via EBICS.
Virtual IBANs per merchant or invoice with your banking partner.
Instalments and pay later with the partners you select.
PayPal and alternative payment methods in checkout and payment links.
Cards and wallets, domestic debit at the terminal, virtual IBAN transfers, bank match, pay by bank, local methods and BNPL. Every method has its connector.
| Payment method | Channel | Connector type |
|---|---|---|
| Credit and debit cards | POS · Online | PSP · acquirer |
| Domestic debit schemes | POS · Online | PSP · local acquirer |
| Apple Pay · Google Pay | POS · Online | PSP · acquirer |
| Local payment methods | Online | Local provider |
| Virtual IBAN transfer | Bank | vIBAN bank · BaaS |
| Bank match | Bank | House bank interface |
| Open banking · pay by bank | Online | Open banking provider |
| Direct debit | Online | PSP or bank |
| PayPal | Online | PayPal |
| Instalments · BNPL | Online | BNPL partner |
Global providers where they fit, local acquirers and methods where your merchants need them. A new market is connected without rebuilding your integration.
Run international PSPs and acquirers across regions from one gateway.
Add a domestic acquirer per country for local schemes and pricing.
Offer the methods each market expects, in store and online.
Connect house banks and virtual IBANs market by market.
Rules assign every payment to a provider before it is sent.
A local acquirer in one country, a global PSP in the next.
Each terminal fleet stays with its PSP. Online can follow its own rules.
Move merchants between providers or split new volume as you choose.
The acquirer's decision on a payment is final. A declined payment is not passed on to another provider.
Channel and terminal are attributes, not separate integrations.
POST /v1/payments { "merchant_id": "m_store_042", "amount": 4890, "currency": "EUR", "channel": "pos", "terminal_id": "T-7731", "method": "card" } // online: "channel": "payment_link"
201 Created { "payment_id": "pay_9d41c2", "status": "authorised", "route": "psp_a.terminal", "channel": "pos", "acquirer_reference": "A7Q2…" }
POST https://your-platform.example/hooks { "event": "settlement.matched", "payment_id": "pay_9d41c2", "payout_id": "po_31f8", "merchant_id": "m_store_042" }
Each connector reads the partner's own settlement data. Your finance team sees one matched view per merchant, across providers and banks.
PSP and acquirer reports matched to each payment, fee and payout.
Statements from your house banks, matched to open items.
Incoming transfers assigned to merchant and invoice.
Payment status confirmed against the bank credit.
| Payout | Source | Amount | Status |
|---|---|---|---|
| po_31f8 | PSP A | € 12,480.00 | Matched |
| po_31f9 | PSP B | € 4,215.40 | Matched |
| po_3204 | Local acquirer | € 2,960.75 | Pending |
| tr_88a1 | vIBAN | € 1,150.00 | Matched |
Today a large part of your payment capacity goes into operations, bugs and support. gatewayOne takes over the connectors so your team can work on the product.
Connector maintenance, PSP API changes and monitoring are part of the gateway.
You pay for the software. Your PSP and acquirer pricing stays between you and them.
A local acquirer or bank is added behind the same API and the same reports.
gatewayOne is a technical service provider, not a licensed payment institution under PSD2. No funds flow through gatewayOne.
Every PSP and acquiring relationship is held directly by you and your merchants. The acquirer alone decides.
Your merchants stay merchant of record. Each route runs under the merchant's own contract and MID.
Visa and Mastercard rules apply to every route. 3-D Secure results stay with the payment.
gatewayOne is built by four founders with together more than 70 years in payments and operations – from building e-money and card-issuing platforms to running global PSP infrastructure. We have done at scale what we now put behind your brand.
Across leading European payment providers, as directors of payment and technology operations, heads of innovation, lead architects and finance leadership.
End-to-end payment platforms built from scratch, including Visa and Mastercard integrations, card issuing and card-present processing, a broad range of alternative payment methods, and cross-border acceptance across international markets.
Global payment operations established and run to PCI DSS Level 1, with 24/7 technical operations across EMEA, the US, APAC and LATAM.
We helped grow a payments business from under ten to more than six hundred people – and know what breaks, and what holds, along the way.
Tell us which PSPs, terminals and markets come next. We map your current setup and plan the move behind one gateway.