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We’re excited to announce that Celeris has been officially acquired by PayRetailers, one of the fastest-growing global payment platforms in the industry. This is a significant moment, not just for our team, but for every merchant, partner, and platform we support.
The acquisition enhances our ability to support businesses in more markets, with expanded acquiring coverage, faster scaling, and a broader range of tools to simplify payments. Most importantly, it helps us scale our mission of providing fast, transparent, and merchant-first payment solutions. Now, with the global infrastructure and operational scale of PayRetailers, we are positioned to deliver our solutions with even greater speed, reach, and resilience.
“We built Celeris to give merchants more control over how payments are routed, settled, and scaled, without having to rebuild their tech stack. Being part of PayRetailers means we can now take that same approach to more regions, more businesses, and more use cases, without losing what makes us different.”
“Celeris brings a strong product, a sharp team, and a clear understanding of what fast-growing merchants need. We’re excited to bring that into the PayRetailers ecosystem and help more businesses grow with smart orchestration behind them.”
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If you’re already using Celeris, your experience will stay the same. You will continue to use the same dashboard, tools, and team you rely on today.
What’s changing is what happens behind the scenes:
Expanded Global Reach:
You can now access high-growth markets like Brazil, Mexico, and Colombia through a single integration — no additional development needed. We’re bringing you closer to new customers, faster.
More Local Payment Options:
From Pix in Brazil to OXXO in Mexico, your customers can pay how they prefer, it will increase trust, conversion, and retention.
One Platform, One Integration:
Keep your current setup and unlock new geographies and payment flows with ease. You’ll now benefit from PayRetailers’ full stack without disrupting your operations.
Smarter Fraud and Risk Tools:
Gain access to enhanced security, chargeback protection, and machine learning fraud detection, optimized for local markets.
We stay committed to our core promise: clean, modular orchestration designed around how merchants operate.
As part of PayRetailers, we’re entering a new phase of growth, one where we can move faster, support merchants at scale, and handle more complex use cases across regions.
If you’re already working with us, nothing changes except what we can now help you unlock.
If you’re just discovering us, we’d love to show you what orchestration looks like when it’s built for modern businesses.
Have questions?
Your account manager is here to help.
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Chargebacks are a growing concern for online businesses today. A market research report published on Paypers reported that merchants lose 1% of their revenue in chargebacks every year, and this number is increasing, regardless of whether you’re in e-commerce, subscriptions, gaming, or digital services. Beyond lost revenue, chargebacks can lead to increased operational costs and long-term damage to your reputation.
To stay ahead in the markets, you need more than manual processes and responses. A good chargeback management solution can help you prevent chargebacks, provide instant alerts, manage chargeback disputes, and provide complete evidence to fight disputes and recover lost revenue.
In this guide, we’ll explore everything you need to know before choosing the best chargeback solution for your business. We’ve covered everything from what chargebacks are, their impact, proven strategies for preventing chargebacks, and why the Celeris chargeback solution can be a perfect fit for your business needs.
Before diving into the main topics, let’s first understand what chargebacks are, the chargeback process, and the main reasons customers initiate them.
What Is a Chargeback?
A chargeback occurs when a customer disputes a transaction and their bank reverses the transaction. Chargebacks are designed to protect buyers from fraud. But nowadays it often hurts honest merchants due to reasons such as:
Unrecognised or forgotten transactions
Product not received or not as described
Duplicate billing or unclear return policies
Fraudulent activity on the customer’s card
Example: A customer subscribed to your subscription services but forgot they had a monthly service the next month and disputed the charge, even though they had opted in.
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The standard chargeback process involves the following stages:
Initiation by the cardholder through their issuing bank.
Notification sent to the payment processor.
Representment where the merchant needs to provide evidence to dispute the claim.
Resolution where the issuer accepts or denies the merchant’s evidence and rules either for or against the chargeback.
Understanding this process is key to fighting chargebacks effectively.
Fraudulent Transactions (e.g., stolen card misuse).
Friendly Fraud (false claims about non-delivery).
Merchant Errors (e.g., duplicate charges, unclear policies).
Product Not as Described (dissatisfaction with quality).
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Choose Smart Chargeback Management Solution
You can’t prevent what you can’t see coming. That’s why the first step is choosing a chargeback platform offering detection and prevention features. Celeris integrates with Ethoca and other chargeback alert tools to provide real-time dispute notifications. These early alerts give businesses a critical window to refund, resolve, and respond quickly, allowing them to act before disputes escalate into full chargebacks.
One of the most common causes of chargebacks is confusing or missing return and refund policies on your website or store. If a customer isn’t sure how to return, refund, or cancel the subscription, they’ll often go straight to the bank for refunds and raise disputes.
Here is what businesses can do:
Display policies at product or checkout pages.
Keep the language simple and easy.
Include return or refund info in confirmation emails.
Respond to refund enquiries promptly.
For example, Amazon displays its refund policies on every product page to reduce confusion after a purchase.
Many chargebacks happen because of fraud, especially when the card isn’t physically used—like in online shopping. Signs like strange email addresses, odd names, or several failed payment attempts can be warning signs. That’s why it’s important to use tools that help spot fraud and confirm the buyer’s identity before completing the payment.
What we recommend:
Use 3D Secure authentication (Visa Secure, Mastercard Identity Check).
OTP or biometric login for apps or logged-in purchases.
These steps not only help reduce chargebacks but also boost your legitimacy in the eyes of payment processors as well as customers.
Having all the necessary proof can be the difference between winning and losing disputes. Our advanced solution stores all the information in the dashboard including, transaction history, proof of 3DS etc.
Your chargeback ratio matters more than you think. All payment processors monitor it closely, and crossing the threshold (usually 0.9% of transactions or more) can result in a penalty or even account termination.
What to track:
Monthly chargeback rate (% of total transactions)
Trends by product, region, or payment method.
Repeat customer disputes.
Celeris provides a live dashboard for all of this, so our users can stay compliant and spot trends before they become problems.
Handling chargebacks on your own can be time-consuming and effort-intensive, and mistakes can be costly. That’s why you need chargeback management tools to make the process easier and more effective.
Here’s how chargeback management tools can help:
Fraud Detection and Prevention: A right chargeback solution like ours we provide strong fraud detection and prevention tools in build, like 3DS authentication for detecting fraud transactions and prevention features like blocking the card for future fraud prevention.
Save time with automation: Instead of manually gathering documents and responding to every dispute, the chargeback tool will do it for you, faster and with fewer errors.
Understand what’s going on: You’ll get complete analytics reports that show why chargebacks are happening so that you can analyse and make data-driven decisions to prevent chargebacks in future.
Get early warnings: Our chargeback solution is integrated with Ethoca and Verifi, which provides early alerts when there’s a potential problem, giving your team a window to refund, resolve, or respond to disputes before they become chargebacks.
Celeris’ advanced chargeback solution provides all of this together in one platform, helping online businesses reduce chargebacks, protect their revenue, and focus on growth instead of fighting disputes.
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Chargebacks are not only a revenue loss it’s a threat to your business’s reputation and sustainability. But with an active approach and the right chargeback management tool, you can reduce disputes, win more claims, and protect your bottom line.
Celeris equips businesses with innovative fraud prevention, fast resolution, and the insights you need to stay in control.
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If you’re running an online business that serves customers worldwide, you’ve likely encountered the complexities of managing multiple payment platforms, gateways, and processors. Not only that, but merchants are facing high transaction fees, frustrating integration processes, and payment failures that can cause loss of revenue and customers.
That’s where a payment orchestration solution can be a game changer for your business. An orchestration solution simplifies the way businesses manage online payments. You’ll get everything in one place from multiple PSPs, Acquirer & bank integration, to smart routing, and cascading and an advanced dashboard for real-time monitoring and data analysis.
This guide explains everything you need to know about payment orchestration, including how it works, its benefits and challenges, and how to choose the best platform if you’re ready to transform your business’s payment flow.
No time to read the full article? Connect directly with our experts to learn everything you need to know about our Payment Orchestration solution: Book a Call
What’s in this guide:
What is Payment Orchestration?
How Does Payment Orchestration Work?
Why Your Business Needs Payment Orchestration
What to Look for in a Payment Orchestration Platform
Challenges of Payment Orchestration
Future Trends in Payment Orchestration
Why Celeris is the Best Option for Your Business
Getting Started with Payment Orchestration
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A payment orchestration platform centralises the entire payment process by connecting businesses to multiple payment service providers, acquirers, banks and other financial services through a single platform, rather than building and maintaining separate integration for every region and provider, a payment orchestration platform manages transactions across various partners and optimises success rates, reduces costs and improves the customer experience.
For example, if a transaction fails with one gateway, the orchestration platform can instantly retry it through another, improving approval rates without manual intervention.
Beyond routing, our payment orchestration platforms offer features like:
Smart transaction routing and cascading for maximised success rates
Card tokenisation and secure vaulting for safer customer data management.
Built-in fraud prevention and risk management tools.
Real-time analytics and reporting to optimise payment strategies.
Global compliance support to meet regulatory standards like PCI DSS and PSD2.
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Payment orchestration acts as a middle layer between your checkout system and various payment service providers, banks, and processors.
Here’s how it works step by step:
The customer initiates payment and, the checkout system sends a payment request to the orchestration platform via a unified API.
Smart Routing: Based on pre-set rules, success rates, and geographic data, the platform evaluates options and routes the transaction to the best-performing PSP (Payment Service Provider).
Failover Mechanism: If the primary provider fails, the platform automatically redirects the transaction to an alternative gateway to ensure success.
Tokenisation & Vaulting: Customer card details are securely tokenized for future use, such as subscriptions or follow-up purchases.
Completion and Insights: The transaction is completed, providing the business with real-time insights on the payment’s success, including the location and method from the analytics.
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Many people have that question how can I charge monhtly subscription, how does recurring billing works, what tool or software we need to process the subscription pyments every month, in this section we have explained complete flow how subscription payment processesing works and the role of subscription payment gateway:
Increased Payment Success Rates: Failed payments are often caused by technical issues, downtime, or limitations from the payment provider. Payment orchestration dynamically reroutes these transactions to other gateways, saving businesses up to 12% more in successful payments.
Reduced Operational Costs: Running multiple payment integrations in-house is expensive and labor-intensive. With unified management, payment orchestration reduces development work and selects cost-efficient routing, resulting in a 20% reduction in payment processing fees.
Better Customer Experiences: Cart abandonment is a major issue in e-commerce. Payment orchestration reduces friction with faster checkout times, more payment options, and higher checkout success rates. This keeps customers happy and loyal.
Simplified Global Expansion: Expanding to new countries often involves integrating local payment methods. Celeris makes it effortless by offering 60+ global PSP integrations right out of the box.
Real-Time Visibility : Gain valuable insights into payment trends, fraud risks, and areas for optimisation. Actionable reporting helps businesses refine their payment strategies with laser precision.
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Not every platform is created equal. Here are the key features to prioritise when choosing the right orchestration software for your business.
1. Range of Integrations: Before choosing, one must look for global compatibility, a system that supports integration with multiple payment service providers (PSPs), local PSPs, and alternative payment methods.
2. Smart Routing Rules: It must have customisable routing logic based on geography, time, card type, and more to ensure maximum flexibility and better results.
3. Compliance & Security: Your provider must adhere to PCI DSS standards, offer tokenisation, and have an integrated fraud detection feature.
4. Developer-Friendly APIs: Choose one like Celeris, which offers easy-to-implement APIs, clear documentation, and sandbox environments for testing, along with complete support before and after integration.
5. Transparent Pricing: Look for one with clear pricing models, with no hidden fees or unexpected costs.
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As all of you already know, nothing is perfect, and understanding the hurdles of payment orchestration helps you while choosing the payment orchestration provider for your business. Here are some challenges:
Complex Rule Management: Setting up efficient routing rules requires initial planning and ongoing refinement to maximise performance.
Cost of Implementation: While orchestration reduces long-term costs, some integration solutions available in the market can charge higher upfront costs.
Provider Dependencies: Despite failover mechanisms, poor performance from PSPs can still create challenges in payment flows.
Security Requirements: Handling sensitive financial data comes with the responsibility of maintaining PCI DSS compliance and robust fraud prevention mechanisms.
To avoid these challenges, partnering with a provider offering seamless onboarding and strong support is crucial.
With Celeris, you won’t face any of the challenges mentioned above, as we have built orchestration solutions that integrate easily with your existing payment flow and are available at an affordable cost compared to others. Our support team is always available to address any questions or issues that may arise. Additionally, we adhere to all necessary security measures, including PCI-DSS Level 1 Compliance and other regional security standards.
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Payment trends and the industry are changing rapidly. Based on research, payment orchestration is expected to surpass revenues of $ 6.1 billion by 2030, highlighting its position at the forefront of innovation. Here are some payment orchestration trends in 2025 and beyond:
AI-Driven Routing: Expect more intelligent algorithms that learn from transaction history to predict and optimise payment success in real time.
Blockchain Integration: Decentralised payment methods are becoming mainstream, and orchestration platforms will soon integrate solutions like cryptocurrencies.
Advanced Fraud Detection: Real-time fraud prevention tools powered by machine learning will become essential features of orchestration platforms.
Embedded Finance: Beyond payments, orchestration platforms will integrate lending, insurance, and financial services for complete user journeys.
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Celeris is a leading and award-winning payment orchestration solution provider in Europe, working with 200+ merchants and large-scale businesses.
Key Features of Celeris
60+ Global Integrations with seamless onboarding
AI-Based Smart Routing for better payment success rates.
Bank-Level Security with PCI DSS compliance and fraud tools.
Real-Time Reporting Dashboards for actionable insights.
Dedicated Support Team to guide you through implementation
Whether you’re an ambitious startup or an enterprise, Celeris’s advanced features grow with your business, making it the ultimate choice for payment orchestration in 2025.
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Three steps to get started with Celeris today:
Book a Call With Team: Discover how our orchestration solution works, ask your doubts, share your requirements, and understand top to bottom what you’ll get from us.
Integration Support: Our onboarding team will ensure a smooth and fast setup.
Optimise Payments Instantly:Go live in a week, not in months.
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Celeris is excited to announce that we have won the 2025 Merchant Payments Ecosystem (MPE) Award for Best Use of Data Analytics! Following our win for Best Payments Orchestration Solution last year, this marks our second consecutive MPE victory. This achievement reflects our ongoing commitment to transforming payment intelligence and empowering businesses to make data-driven decisions.
Fragmented payment data is one of the main obstacles businesses face, as it conceals important information and complicates real-time decision-making. Companies struggle to increase payment success rates and minimise revenue losses when they lack the necessary tools to analyse transaction failures, optimise routing, or identify high-risk transactions chargebacks.
This is where Celeris Data Analytics comes in. Our advanced solution provides retailers with a competitive edge by transforming unprocessed payment data into valuable insights.
How Celeris’ Data Analytics is Transforming Payments
Our analytics engine currently addresses six critical business challenges, assisting merchants in making data-backed decisions to maximise payment performance:
Real-time performance snapshots: Instantly analyse business performance, transaction success, and failure rates.
Acquirer recommendationsConduct thorough acquirer performance analysis and generate tailored recommendations based on merchant-specific processing data.
Failed transaction trends: Delve into decline rates and pricing structures to identify and resolve abandoned transactions.
BIN analysis: Provide real-time BIN performance reviews to optimise success rates per acquirer and inform dynamic routing strategies.
Retry success rates: Implement retry logic to enhance acceptance rates and revenue retention.
Chargeback/dispute breakdowns: Identify fraud and dispute patterns to mitigate risks and improve overall security.
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Celeris utilizes data streams from checkout pages, fraud detection companies, and acquirers to capture timestamps, decline codes, and device information, ensuring that every decision is accurate and actionable. Merchants leveraging Celeris report an 8% increase in transaction success rates due to optimised routing, a 17% reduction in failed transactions through trend analysis and proactive recommendations, and 26% average savings on retries, leading to improved revenue and operational efficiency.
Winning the MPE Best Use of Data Analytics Award validates our mission to empower merchants with driven payment intelligence. We are incredibly proud of our team and partners who contributed to this success. As we continue to push the boundaries of payment optimisation, we remain dedicated to helping businesses unlock greater efficiency, security, and revenue growth.
We look forward to another year of innovation and success! For more information about Celeris and its award-winning solutions, fill out your contact details here , and we will contact you shortly.
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Subscription-based businesses are growing rapidly across industries such as Gaming, SaaS, Video on Demand, and e-commerce. Based on research and market forecasts conducted by Juniper Research, a subscription payment economy will be almost 1 trillion dollars globally by 2028.
If you’re running an e-commerce store or you’re a SaaS platform or any business that manages memberships and subscriptions, finding the right subscription payment gateway is a crucial decision for your business. Why? Because it’s more than simply accepting payments. It’s more about ensuring that recurring payments are handled seamlessly, securely, and efficiently.
In this article, we have covered everything you need to know about the subscription payment gateway, including what it is, how payment processing works, payment models, must-have features, and why celeris is the best choice.
What’s in this guide:
What is a Subscription Payment Gateway?
5 Types of Subscription Payment Models
How Does Subscription Payment Processing Work?
Must-Have Features for Subscription Payment Gateways in 2025
Benefits of Subscription Payments Gateway by Industry Types
How to choose the best one for your business?
Future Trends in Subscription Payments
Why Celeris is the Best Choice for Your Business?
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As many of you already know, a subscription payment gateway or recurring billing solution, whatever you call it, subscription payment gateway helps businesses with processing recurring payments on a scheduled day, based on their plans, which can be weekly, monthly or yearly.
With a subscription payment processing solution like Celeris, our subscription payment solution is designed for business offering subscription services to user, and helping them in every area from managing recurring payments, processing recurring payments and scaling globally.
Not only this, with our solution, we’ve built advanced features for businesses that helps you with automated payments retry for failed payments, an advanced dashboard for deep down analysis of your customer data like usage, billing cycle, behavior, upgrades, downgrades of plans and some advanced features like tokenisation for seamless future recurring payments.
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Before choosing the best payment gateway for recurring billing, you need to know what types of subscription payment models are available in the gateway you’re choosing. Here are the most common types of subscription models with an example:
Fixed or Flat-Rate Subscriptions: Customers pay the same amount at regular intervals, regardless of usage. This is ideal for services with a standard offering, such as streaming platforms or gym memberships.
Usage-Based Subscriptions: Similarly, it is also known as pay-as-you-go, this model charges customers based on their usage. It’s often used by utilities or cloud service providers, offering flexibility to customers where you only have to pay for the server resources that you’ve used.
Tiered Subscriptions: Businesses provide multiple pricing tiers, each with a different set of features or usage limits. This allows customers to choose a plan that best suits their requirements, such as basic, premium, or enterprise options.
Freemium to Premium: This model offers basic services for free while encouraging customers to pay for advanced features or extra value. It’s common among software applications and online tools.
Completion of Transaction: Once the transaction is authorised, the payment gateway relays the authorisation back to the merchant platform, and the transaction will be completed. In any instance, if a transaction is declined, the gateway provides the error message to the customer to retry the payment.
Hybrid Subscriptions: A combination of multiple models, such as a flat-rate base price with additional usage-based fees. This approach works well for businesses looking to maximise revenue while retaining flexible options.
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Many people have questions about how we can charge monthly subscriptions, how recurring billing works, and what tool or software we need to process the subscription pyments every month, in this section we have explained completely the flow of how subscription payment processing works and the role of subscription payment gateway:
Customer Sign-Up: The subscription payment process begins with the customer signing up for a service. During this step, the customer fills out a form providing essential information such as their name, billing address, and payment details. These payment details may include credit or debit card information, bank account details, or access to saved payment methods if using a platform like Shopify. The customer also chooses their preferred subscription plan and billing frequency, such as monthly, quarterly, or annually.
Secure Payment Information Storage: Once a customer provides their payment details, the sensitive information is securely stored using methods like tokenization. Tokenization stores sensitive payment data in the form of tokens, ensuring the actual data remains protected. At Celeris, we offer tokenization that aligns with Payment Card Industry Data Security Standards (PCI DSS) to safeguard customer information and maintain regulatory compliance.
Read more: What is Tokenization and How Does it Work?
Subscription Management System: The customer’s subscription details, including the selected plan, billing preferences, and tokenized payment data, are stored in a subscription management system. This robust system automates recurring billing, ensuring customers are charged according to their selected plan on a scheduled date without any manual intervention.
Payment Gateway and Processor Workflow: For each billing cycle, the subscription management system initiates a payment request. This request is submitted to a payment gateway, which then passes it on to a payment processor. The payment processor works with the customer’s bank or card issuer to validate and authorize the transaction, completing the payment process.
Transaction Authorization and Status Updates: The customer’s bank or card provider approves or denies the transaction based on factors like account balance or card validity. This status is communicated back through the payment processor and gateway to the subscription management system. For successful payments, services continue without interruption. If a transaction fails, due to issues like insufficient funds or expired cards, the system will trigger notifications to customers to update their payment information and may retry the payment later.
Managing Recurring Payments: All the payment details of the customer are then stored in the gateway side like Celeris, we’ll store the data in the form of a token in a secure token vault and the same token will be used on the next billing cycle, and with the help of token, next payments can be done without OTP or CVV.
This automated process is repeated at the start of every billing cycle, creating a hassle-free experience for both the business and the customer. The automation minimizes errors and ensures timely payments, ultimately supporting uninterrupted service delivery.
Subscription Updates or Cancellations: Whether customers wish to upgrade, downgrade, or cancel their subscriptions, the payment system efficiently manages these changes. It adjusts billing to reflect new subscription plans or prorates charges if necessary. For cancellations, the system ensures that no further payments are processed, maintaining trust between the customer and the business.
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Before choosing any subscription payment platform from any company, may it be Celeris or another, you should look for these features in subscription payment gateways for your business in 2025, as mentioned below. The subscription solution you’re choosing must provide secure, efficient, and scalable recurring billing solutions for your business growth to maximize the monthly subscription payment processing.
Here are the top features to look for:
1. Smart Dunning Management: Must have automated retry logic built for failed payments that can recover up to 30% of lost revenue.
2. Hybrid Billing Support: The system must support customized subscriptions and one-time purchases, and metered billing ensures flexibility. Look for gateways like CelerisPay, which seamlessly combine subscription and one-off transactions.
3. Global Payment Methods: The solution you choose must offer local payment methods like Apple Pay and Google Pay as well as regional favourites like Pix, iDEAL, QR codes, and Pay by Link. It must also offer automated auto-currency conversion for international scalability.
4. PCI-DSS Compliance & Fraud Prevention: Choose a gateway with tokenization, 3D Secure 2.0, and an AI-driven fraud detection tool like we offer at Celeris for maximum security.
5. Deep API and Integration Options: Must have easy-to-integrate options like APIs and pre-built plugins for platforms like WooCommerce, Magento2, Prestashop, etc., and CRMs for easy integration with your existing tech stack.
6. Detailed Analytics Dashboards: Must have an advanced subscription management dashboard to gain insights into churn predictors, lifetime value (CLTV), and recurring revenue metrics and options for making customized subscription plans and analyzing the user journey all in one place.
7. Self-Service Customer Portals: Choose the one that offers a system like Celeris’s payment gateway for subscriptions, which allows customers to change plans, update cards, or manage cancellations without contacting support.
8. Scale-Resilient Infrastructure: Choose systems that handle traffic spikes without downtime.
9. Dedicated Support Team: Before selecting any subscription payment gateway must look for the one that’s available for support to resolve issues immediately.
Use these features as a checklist during your evaluation process.
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Handles complex billing needs (e.g., per-user, usage-based).
Prorates changes to minimize billing disputes.
Supports global customer bases with multi-currency options and local payment methods.
Allows easy customer onboarding with self-service portals.
Provides auto-renewal for loyalty programs or monthly shipments.
Delivers seamless mobile-first transactions.
Supports millions of transactions globally with high uptime.
Charge recurring billing based on the plans.
Handles microtransactions and add-ons securely.
Enables free trials and subscription tier upgrades smoothly.
Improves user retention with flexible pricing tiers.
Reduce churn with dynamic retry mechanisms for failed payments.
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Although selecting the right payment gateway requires many observations and factors, as we’ve already discussed all the important requirements, and by following this guide, you can easily pick the right one for you. Follow this 5-step framework:
1. Map Your Business Model: Firstly, based on your business, is it B2B or B2C? Do you need per-user pricing or usage-based billing? We’ve already covered the benefits and all the things above in the blog, which can help you define your subscription model and ensure to choose a gateway that supports your billing structure business needs.
2. Audit Your Technical Needs: Assess your systems for API compatibility, webhook support, and integration with existing platforms like HubSpot or ERP systems.
3. Prioritize Compliance & Security: Ensure the gateway meets PCI DSS Level 1 standards and supports regional rules such as PSD2.
4. Test the Customer Journey: Check that payment flows are mobile-friendly, secure, and frictionless. Test plan upgrades, downgrades, and cancellations in sandbox environments.
5. Compare Total Cost of Ownership (TCO): Look beyond transaction fees. Factor in setup costs, maintenance, and support quality. For example, choose the one with the best and most affordable pricing model.
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Stay ahead by adapting to these trends in subscription billing:
1. AI-Driven Automation: AI tools will enhance churn prediction, implement smarter dunning workflows, and customize billing strategies in real time.
2. Embedded Finance: Expect features like in-app wallets and instant payouts to enhance flexibility
3. Cryptocurrency Payments: The integration of stablecoins and crypto wallets for subscriptions is gaining traction.
4. Geo-specific pricing: Dynamic pricing by region will become the norm, enabling higher customer retention.
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Among various subscription payment gateway available in the market, why you should choose Celeris?
Cost Efficiency: Most of the solutions available in the market charge higher transaction fees of up to 2.5% and higher per transaction. But Celeris offers affordable and custom plans based on your transaction volume, business size, and many other factors.
Global Scalability: We support 150+ currencies and localized payment methods.
Hybrid Billing Flexibility: We provide subscriptions and one-off purchases with ease.
Intuitive Dashboard: With Celeris, you’ll get an advanced dashboard for customizing plans to analyze the very important factors of your customers with an easy-to-use feature like Billing Cycle, Churn Rate, Customer Usage, and other factors.
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Javelin Strategy: Processing Recurring and Subscription Payments Without Friction: A Key to Unlocking Transactions from a Forecasted $830 Billion Card Market
GOV.UK: Future of Payments Reviews
Juniper Research: Global Subscription Economy Market: 2024-2028
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Strong Customer Authentication (SCA) regulations, introduced in January 2021 across the EU and enforced in the UK by March 2022, aim to secure online transactions. While necessary, additional authentication steps can create friction in the checkout process, leading to cart abandonment and dissatisfied customers.
This is where 3D Secure (3DS) Exemptions come into play. Designed as part of the 3DS 2.0 framework, these exemptions reduce unnecessary authentication steps for low-risk transactions. They create a smoother checkout process while maintaining compliance with SCA requirements.
By using the provision of 3DS 2.0 exemptions, merchants can reduce the times they are required to authenticate a cardholder, reducing friction and providing a seamless checkout experience and significantly reducing the customer abandonment rate.
New to 3D Secure? Start with our What is 3D Secure and How does it work? A complete guide for foundational insights.
What’s in the article:
What are 3D Exemptions?
How Can One Apply for 3D Secure Exemptions?
Types of 3D Exemptions
Top 4 Benefits of Using 3D Exemptions
Pros and Cons of 3DS Exemptions
Conclusion
Frequently Asked Questions About 3DS2 Exemptions
Imagine this: A loyal customer is ready to purchase a €30 product from your site, but their excitement turns into frustration due to a one-time password or in-app validation request, which causes friction during the checkout process. They abandon the cart. Does this sound similar?
3D exemptions are part of the 3D Secure 2.2 (3DS2) framework, which is designed to optimize the payment experience while maintaining the highest security standards. These exemptions allow merchants to bypass Strong Customer Authentication (SCA) for low-risk transactions, allowing customers to check out the cart or pay the subscription fee with less friction or authentication steps, delivering a secure and smooth checkout experience.
Key Point: When a merchant successfully requests an exemption, the liability shift transfers fraud liability to the card issuer—but only if the issuer approves the request. If denied, SCA steps in automatically.
[/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]Before applying for the 3D secure exemptions, one must understand who initiates the exemption and how liability shifts between parties. While you already know the 3DS exemption helps to reduce friction (authentication steps) and streamline payments, the application varies based on whether the merchant (acquirer) or the card issuer takes charge.
There are two primary methods of applying the exemptions:
Process: Merchants (via their payment acquirer) can request exemptions for transactions they deem low-risk. However, this approach comes with a critical trade-off: the merchant assumes full liability for fraud. If a transaction turns out to be fraudulent, the business bears the loss.
Risk: While this reduces checkout friction (no SCA prompts for customers), it’s a high-stakes gamble. Small businesses with tight margins might struggle to absorb fraud-related losses.
Best For: Businesses with a strong fraud detection system, consistent customers’ purchase journeys and low fraud risk goods.
Process: The card holder’s bank (issuer) decides which transactions to exempt or not. The issuer bank bears the fraud liability, but in this case merchants lose control over the process.
Risk: Exemptions aren’t guaranteed, issuers use their risk criteria, which can cause delays during checkout.
Best For: Merchants prioritizing reduced liability over consistency.
Process: Customers can add merchants to their “trusted list” via their banking portal. But the final decision is on the issuer to pass the transaction with SCA or apply the SCA during checkout.
Risk: Issuers can still enforce SCA for suspicious activity.
Best For: Recurring services (e.g., subscriptions) to boost customer retention.
[/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]Below are four common 3DS exemptions:
Real-World Example: A cafe chain processing hundreds of $4 mobile orders daily might skip 3DS prompts. Their consistent low fraud history and small transaction sizes signal minimal risk to payment processors.
Why It Matters: This builds loyalty by letting users streamline repeat purchases with brands they already trust.
Real-World Example: Imagine that you regularly buy groceries from the same home delivery site, you can add them as a trusted payee via your app so that when you look to checkout in future, you can avoid authentication.
Real-World Example: A tech startup paying its $3,000 cloud hosting bill via a card payment can avoid authentication hurdles, ensuring timely service without interruptions.
Why It Matters: Users dislike re-entering credentials for predictable, ongoing services. Exemptions reduce drop-offs in renewals.
Real-World Example: A fitness center charging a member’s card $60 monthly after an initial sign-up only needs SCA once on the initial transaction.
[/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]Reduced Cart Abandonment: Fewer authentication steps while checkout leads to a smooth payment experience, and potentially reduces cart abandonment rates by up to 15%.
Lower Operational Costs: Fewer declines due to SCA friction, helps to reduce customer support costs.
Liability Shift Protection: Approved exemptions transfer fraud liability to issuers, which protects merchants from chargebacks.
Competitive Edge: A seamless checkout experience can differentiate your business from competitors and help businesses to build trust and loyalty with their customers.
Frictionless Checkouts: Skipping authentication steps (like OTPs) speeds up payments, helps businesses in improving users’ checkout experience. Happy customers = repeat buyers.
Boosted Retention: Seamless transactions experience keeps users loyal, especially for high-frequency merchants (e.g., coffee shops and business-based businesses).
Business Growth: Acquirers, issuers, and payment platforms benefit from higher transaction volumes and fewer abandoned carts.
Fraud Liability: If a merchant is applying the exemption, which we have explained earlier in the blog, will shift 100% of chargeback risk to the merchant. If a transaction is fraudulent, merchants have to bear the loss.
Regulatory Risk: Under EPC rules, if a fraudulent payment occurs without SCA and the customer isn’t at fault, the acquirer (merchant’s bank) is typically responsible for refunding the customer. This can result in financial losses for merchants, as the acquirer may seek to recover the funds from them.
Balancing Act: Exemptions work best for low-risk transactions, high-trust scenarios (e.g., repeat purchases). High-value or irregular transactions will still have to go through the Strong Customer Authentication (SCA).
3D Secure exemptions are a game-changer for businesses looking to provide seamless and secure checkout experience to customers. By using exemptions like low-risk transactions, trusted vendors, or subscription payments, companies can cut down on annoying authentication steps, keep more customers from abandoning their carts, and protect their sales—all while staying compliant. But to make this work, you need a clear grasp of where liability falls, a solid plan to prevent fraud, and the right tools to apply these exemptions smartly.
That’s where Celeris will help you. As your payment partner, Celeris offers advanced fraud detection and seamless 3DS2 integration, helping you automate exemptions, reduce checkout headaches, and pass liability to banks when possible. The result? Faster approvals, happier customers, and fewer lost sales.
[/et_pb_text][et_pb_code _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]Did you know that payment tokenization can reduce fraud risks by up to 60%? It’s true. For years, tokenisation has been reshaping payment security across industries from e-commerce to banking and beyond.
In today’s time, with cyber threats on the rise, businesses must focus on protecting their customers’ data without compromising the user experience. This is where payment tokenization steps in as a game-changing solution. It replaces sensitive customer data with tokens that hackers can’t use. Enhancing security without impacting the user experience.
This blog will take you through the ins and outs of payment tokenization, its advantages, how it works, and how it simplifies PCI compliance while taking care of customer experience. Whether you’re a fintech professional, blockchain enthusiast, investor, or e-commerce merchant, this is the only guide you’ll need to know everything about payment tokenisation.
What’s in this guide:
What are Payment tokens?
What is payment tokenization, and how does it work?
The Benefits it offers to businesses
Real-world examples of tokenized payments
How to choose the perfect solution for your business.
Let’s start with the basics of payment tokenization. First, you need to and understand the concept of tokens, what they are, how they work, and the different formats used to protect sensitive data.
A token is a randomly generated string of numbers and characters that replaces users’ sensitive payment information, such as credit card numbers, payment information, bank details, and primary account number (PAN). Since they cannot be reversed and engineered to reveal the original data, unlike encrypted data, which can be reversed with a decryption key, tokens are irreversible and hold no intrinsic value, which is useless for hackers and fraudsters. That’s why they are an effective tool to protect sensitive data during storage, transmission and retrieval.
For example, a credit card number like 4523-3734-3762-7328 might be tokenised into A23D-CB64-H5Y3-G7H8. This token has the customer’s card details and payment details. Still, it holds no value outside that specific transaction, and for recurring billing and one-click checkout, maybe the tokens are stored, but they are still not accessible without the key of a secure token vault. This helps businesses process payment securely while reducing risk and without harming the user experience.
[/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]Payment tokenization is the protection technology in which sensitive user data, such as credit card numbers, are replaced with a random string of characters known as a “token”. These tokens retain no meaningful data and are useless to hackers if intercepted. This process ensures that the original payment data is never exposed during transactions, which helps reduce the risk of fraud and data breaches.
How does it work?
For example, a customer makes a payment, and the sensitive payment details are sent to a tokenization service provider (like Celeris) . The service provider will replace the sensitive data with a token, which is then used to process the transaction. The original data is stored in a secure tokenization vault, which is inaccessible to fraudsters.
[/et_pb_text][et_pb_image src="https://gw-ab.celerispay.com/wp-content/uploads/2025/03/How-Does-Payment-tokenisation-Work_-1.png" alt="how does payment tokenisation work" title_text="How Does Payment Tokenisation Work" module_class="celeris-image" _builder_version="4.27.4" _module_preset="default" custom_margin="||||false|false" global_colors_info="{}" theme_builder_area="post_content"][/et_pb_image][et_pb_text _builder_version="4.27.4" _module_preset="default" global_colors_info="{}" theme_builder_area="post_content"]Here’s a simplified breakdown of the payment tokenization process:
Initiating a Transaction: Customers enter their card details during checkout or tap their card on a payment terminal.
Token Generation: A tokenization service provider, like Celeris, generates and replaces the real card details with a unique token. For example, a credit card number like “4512-1243-5678-8765 becomes XT96-KLP9-JH52-GH90.”
Token Storage in Secure Vault: The payment token replaces the credit card details and is stored in a secure token vault managed by the provider.
Transaction Verification (Issuer Bank): The token is sent through the payment gateway for authorization. Only trusted parties, such as merchants and banks, can access the original data stored in the token vault.
Completion of Transaction: Once the transaction is authorized, the payment gateway relays the authorization back to the merchant platform, and the transaction will be completed. In any instance, if a transaction is declined, the gateway provides the error message to the customer to retry the payment.
Payment Completion & Secure Token Storage: After the transaction is approved, the token is stored in the vault for future recurring billing or subscription without needing to re-enter sensitive data, offering a seamless recurring billing experience.
What’s crucial here is that even if a hacker intercepts the token, it holds no value without access to the tokenization vault or decryption methods. This is why tokenization is a superior security method to traditional encryption methods.
There are two types of payment options available for the merchants using celeris tokenization services, as mentioned below:
With CVV Payment: With CVV payment, generally used for one-time transaction, and if the user opts for “save card details”, then next whenever they shop next time and during checkout they only have to submit the CVV for checkout, we already have stored card details like card number, expiry, and card holder name which makes payment experience friction less for customers.
Without CVV: This type of payment tokenization is used for recurring billing purposes in which celeris passes the notification to the issuer bank to save the token and card for recurring billings and issuer banks generate the unique ID and give to the providers like Celeris, and unique id is stored in under secure server and then used for recurring payment in which user do not have to submit cvv or re-enter any payment details, which provides secure and seamless recurring billing experience for both customer and merchants.
An Example of tokenization
Imagine you’re buying a pair of shoes online and you entered your credit card details, but before storing the sensitive credit card details, data protection technology (tokenization) will replace the data with a randomly generated string of numbers or characters called “tokens” like “A1B2C3” Even if hackers can breach the merchants’ side, this token cannot be used outside of that purchase, keeping your details safe and secure.
Tokenization vs. Encryption: A Detailed Comparison
Tokens are non-sensitive, which means even if a hacker breaches, he won’t expose cardholder details.
Unlike encryption, tokens cannot be mathematically reversed without access to a secure vault.
Traditional payment methods store data like credit card numbers in plaintext or encrypted formats, prime targets for cybercriminals. With tokenization, this data is stored as a form of a tokenized version (like 123456XYZ789), ensuring that even if a hacker intercepts the token, it’s useless for them without access to a secure vault provided by a payment gateway (like Celeris). By doing so, businesses can reduce the risk of breaches while maintaining seamless payment processing.
[/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]Using tokenization, one of the most significant benefits is the high level of security it provides, replacing the customers’ sensitive payment data like card details or payment details with secure tokens, increasing the layer of protection and safeguarding both your business and your customers.
Studies showed that businesses using data protection technology (Tokenization) have significantly reduced online payment fraud by up to 60%. Unlike raw payment data, tokens cannot be reused on other platforms or transactions. This makes it nearly impossible for hackers to exploit stolen payment tokens, offering an added layer of security in every transaction.
For industries like eCommerce, tokenization has emerged as a game-changing solution that also simplifies operations:
By using tokenization services, you don’t need to process customers’ payment details repeatedly; the details will be stored in the form of tokens, which helps to reduce friction and provide a frictionless checkout experience to customers.
Improves user experience by facilitating faster transactions and reducing declines caused by flagged sensitive details.
Online marketplaces and platforms that allow other vendors to sell their products on their platforms need a payment system to manage transactions across various sellers. With a white label payment gateway, they can provide a unified, secure and seamless payment experience while reflecting the platform’s branding.
Tokenization streamlines merchants’ compliance with PCI-DSS regulations by ensuring that sensitive data is not stored with the merchant. Instead, tokens are used for transactions, and merchants only have to manage the security of tokens and the key, which reduces the scope and cost of compliance audits.
As we’ve already explained, payment tokenization is important in today’s growing digital commerce. When shopping online from an e-commerce store, customers may be concerned about the security of personal information like card or payment details. By implementing tokenisation into their payment flow, businesses can demonstrate their commitment to protecting customers’ data, which helps them build trust and loyalty with customers.
[/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]Tokenization is not only for e-commerce; it offers significant advantages to various businesses that handle sensitive customer data, transforming security across industries.
Here’s how:
E-commerce: Tokenization helps e-commerce businesses take the example of merchants using the Celeris global checkout solution or one-click payment solution. Tokens ensure that customers’ card details are not captured or stored on the merchant’s servers, significantly reducing the risk of online payment fraud.
Subscription-Based Businesses: Tokenization can help businesses that offer subscriptions for their products or services. These businesses need to provide a seamless recurring billing experience to customers to increase retention. Tokenization ensures that sensitive information is replaced with tokens for ongoing payments. It provides a smooth recurring payment experience without requiring customers to provide their payment details repeatedly. This creates a frictionless customer payment experience, leading to higher transaction conversion rates.
Healthcare: Hospitals and clinics use tokenization to secure patient payment portals. By replacing sensitive data with tokens, healthcare providers can comply with HIPAA regulations while offering a smooth billing experience.
Travel & Hospitality: Airlines and hotels use tokens to store payment details for future bookings. For instance, a frequent flyer program integrated with Celeris can tokenise card details for hassle-free reservations and additional last-minute upgrades or enhancements.
Fintech: Peer-to-peer payment apps and digital wallets rely on tokenisation to protect user data. Celeris’ solutions enable secure transactions without exposing bank account or card details.
[/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ locked=”off” global_colors_info=”{}” theme_builder_area=”post_content” module_id=”celeris_author_post” sticky_enabled=”0″]Bankinfosecurity: Research conducted and published on 19 February 2025. Mastercard’s chief digital officer Pablo Fourez, told Information Security Media Group that fraud rates are seven times higher online than in physical stores, as criminals exploit exposed card numbers. He said that shifting to tokenisation protects businesses from financial losses and safeguards reputation and customer trust. ” Tokenization can reduce the fraud rate by 60%,” Ramakrishnan said.
Juniper Research: Based on the research conducted and published in 2022 by Juniper Research, Hampshire, UK – 18 July 2022: A new study from Juniper Research has found that the total number of tokenized payment transactions will exceed 1 trillion globally by 2026, rising from 680 billion in 2022. This represents a growth of 58% over the next 4 years. It attributed this growth to the rise of ‘one-click’ solutions, such as Click-to-Pay, that use card-on-file tokenization to store a customer’s payment credentials, enabling them to auto-fill their checkout details and complete transactions via a single click.
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Mobile wallets like Google Pay and Apple Pay are becoming essential to global transactions as digital payments continue to advance. However, due to characteristics like age, location, financial level, and experience with technology, their adoption and usage vary considerably among different groups. Understanding these variations can help businesses optimise payment strategies and improve customer experiences.
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Gen Z has become accustomed to mobile wallets because they were raised in the digital age. Their inclination for digital payments is driven by convenience, quickness, and security. Many Gen Z customers make daily purchases using mobile wallets, especially for subscriptions, online shopping, and food delivery.
Preferred Use Cases: Peer-to-peer (P2P) transfers, app-based applications, and online purchasing.
Key Features They Value: Biometric authentication, one-tap checkout, and loyalty program integration.
Challenges: Due to their continued financial dependence on their parents, some Gen Z users may only be able to make small purchases using these wallets.
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Among the most frequent consumers of digital payments are millennials, who were among the first to accept them. Whether they share bills, purchase online, or make in-store purchases, they value how easy it is to use Google Pay and Apple Pay.
Preferred Use Cases: In-app purchases, bookings for travel, meals, and regular payments (bills, subscriptions).
Key Features They Value: Budgeting tools, cashback and rewards, and contactless transactions.
Challenges: Despite their high level of engagement, some millennials still think about security and data privacy risks before fully committing to mobile wallets.
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Despite being more hesitant to embrace new payment technology, Gen X users have adopted mobile wallets due to their security and ease. Apple Pay and Google Pay are frequently used with more conventional payment methods like credit cards and online banking.
Preferred Use Cases: Groceries, retail shopping, utility bill payments.
Key Features They Value: Security features, including fraud prevention, tokenisation, and smooth banking app interaction.
Challenges: Some Gen X users still prefer physical cards since they feel more in control of conventional payment methods.
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For the most part, Baby Boomers have been slower in embracing digital payments because they still prefer cash, checks, and conventional credit cards. However, as smartphones become more widely used and knowledge grows, many Boomers are using mobile wallets, mainly for convenience and security reasons.
Preferred Use Cases: pharmacies, large retail establishments, and occasionally online shopping.
Key Features They Value: Fraud prevention, ease of use, and transparent customer support.
Challenges: Aversion to switching from traditional banking systems, security concerns, and unfamiliarity with mobile wallets.
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Income levels also play a significant role in how people use mobile wallets.
High-Income Users: Apple Pay is more likely to be used due to its integration with premium Apple products. They prefer mobile wallets for convenience, travel, and premium experiences such as VIP services and luxury shopping.
Low-Income Users: Often rely on Google Pay due to its accessibility across various Android devices. Many use it for everyday expenses, remittances, and discounts on essential goods.
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The urban-rural divide impacts digital wallet adoption:
Urban Consumers: More frequent users, given the widespread availability of contactless payment terminals, e-commerce, and app-based services.
Rural Consumers: Adoption is slower due to limited access to reliable internet, fewer digital payment options, and a more substantial reliance on cash-based transactions.
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Adoption rates of Google Pay and Apple Pay vary by region:
North America & Europe: High adoption rates due to widespread NFC infrastructure and digital banking penetration.
Asia-Pacific: Rapid growth, particularly in India, China, and Southeast Asia, where mobile wallets are becoming dominant.
Latin America & Africa: Slower adoption but growing due to increased smartphone penetration and financial inclusion initiatives.
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To optimise payment strategies, merchants must recognise how different demographics use Google Pay and Apple Pay, influenced by factors like age, income, location, and tech familiarity. Tailor your offerings to address the unique needs of each group, prioritising seamless, secure, and accessible transactions. As mobile wallet adoption surges, leveraging insights into these demographic trends will be crucial for boosting customer satisfaction and driving business growth. Act now by analysing your customer data and aligning your payment solutions accordingly to capture this growing market effectively.
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Are you an e-commerce business owner, SaaS services provider, or payment professional looking to expand your services globally without building a payment gateway from scratch? A white label payment gateway is exactly what you need.
White label payment gateways are increasingly becoming the first choice of businesses that are looking to provide seamless payment and checkout experiences to their customers at lower operational costs and lower transaction charges, all while enhancing their brands. White label payment gateway allows you to accept payments globally in 150+ currencies while maintaining all the compliance and security for you, offering you a cost-effective solution.
This guide covers everything you need to know about the Whitelabel Payment Gateways, their benefits, features, how you can choose the right providers, and how to get started with our platform, from choosing plans to integrating everything in one place.
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Before understanding the whitelable payment gateways, it’s important to know what a payment gateway is and how it works. Simply, let’s understand this with an example: Customers buy a product from your website or online store he/she proceeds with the payment then, the gateway will securely connect your online store to banks and payment networks to make transactions possible.
The Role of Payment Gateway:
Securely transmit customer payment details (like credit card numbers) between your website, the bank, and the payment processor.
Encrypts sensitive data to prevent fraud, much like sealing a letter in a locked envelope before sending it.
Confirms approvals or declines in seconds, letting customers know if their payment went through.
Without a payment gateway, your online store can’t accept payments. It’s the unsung hero that keeps e-commerce running smoothly, ensuring money moves safely from the customer’s account to yours.
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A white label payment gateway is a third-party (ready-made) solution that you can customise and rebrand as your own using color themes, logos, payment methods, fonts, etc. It allows businesses to handle transactions, accept payments online, and have full control over customers’ experience while third-party solutions like (Celeris) handle everything in the backend from seamless payment processing to security, compliance like (PCI-DSS) and consolidated reporting. In simple words it allows you to process payments with your branding, logo, and colors on the checkout page.
White-label payment gateways provide you with advanced features like fraud detection, recurring billing, multiple currencies support, and multilingual checkout pages, making them an end-to-end solution for businesses looking to offer payment processing capabilities.
The best part? You don’t need to build everything from scratch and you don’t need any technical expertise to build or maintain the infrastructure. We provide easy-to-integrate APIs and SDK for seamless integration. Providers like Celeris will take care of all the security, compliance, and complexity of payment processing and routing while you can focus on delivering exceptional services to your clients.
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As we have already explained about what is white label payment gateway, now let’s understand how this works from transaction initiation to final settlement:
Transaction Initiation: A customer begins the payment process by entering their payment details on the merchant’s platform (credit card, debit card, digital wallet or bank transfer details).
Data Encryption: The payment gateway will securely encrypt the transaction data to protect sensitive information and ensure compliance with security regulations such as PCI-DSS (Payment Card Industry Data Security Standard).
Forwarding Payment Data: Then the encrypted data is transmitted to the acquiring bank or payment processors for verification and authorisation.
Payment Authorisation: Then the acquiring bank (merchant bank) will communicate with the issuing bank (customer bank) to verify the transaction details, such as the available funds or credit. If required funds are available in the account then an authorisation code is generated.
Completion of Transaction: once the transaction is authorised, the payment gateway relays the authorisation back to the merchant platform, and the transaction will be completed. In any instance, if a transaction is declined, the gateway provides the error message to the customer to retry the payment.
Settlement: After the successful transaction, the amount will be transferred within a few business days to the merchant’s bank account, the settlement process typically takes some days.
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White label payment gateway is a game changer for businesses directly involved in payment processing, or accepting payments online like through checkout, recurring billing, or subscription-based business etc. These types of businesses need to have payment solutions that can provide a frictionless checkout experience, recurring billing options, and payment authentication with compliance and PCI-DSS security standards to receive payment globally. Some of the businesses are:
For E-commerce businesses, it’s very crucial to provide a frictionless checkout experience to retain customers and build trust with them. With a white label payment gateway, they can integrate a customised checkout page with their brand identity to build trust and retain customers.
Software-as-a-service (SaaS) companies provide subscription-based services for which they need to have a strong payment platform that can handle recurring billing seamlessly. With a white label payment gateway, they can deliver a seamless recurring billing experience with branded solutions to provide a trustworthy, frictionless, and secure payment experience to every customer.
Banks and other financial services providers are the main business types that adopt the white label payment solution to offer a seamless and personalised payment experience to their customers. And with a white-label payment gateway, they don’t need to build an in-house solution.
Online marketplaces and platforms that allow other vendors to sell their products on their platforms need a payment system to manage transactions across various sellers. With a white label payment gateway, they can provide a unified, secure and seamless payment experience while reflecting the platform’s branding.
For startups and small businesses(SMEs) it is hard to build in-house payment solutions with limited resources. A white-label solution provides an affordable, customised, and efficient way to integrate secure payment processing and build trust and credibility in the market.
The I-Gaming industry has relied on subscription payments, in-game purchases and wallets for that they need to have a payment system that is fast, secure, and customised. Providing smooth deposits and withdrawals while meeting strict regulatory requirements aligns with the brand image and enhances user satisfaction.
Choose Celeris, a one-stop solution for all payment needs from meeting compliance security standards (PCI-DSS) with a secure, frictionless, and smooth payment experience for every customer.
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As we have discussed already building a payment solution in-house costs you lots of money, Time for development and manpower whereas choosing a white-label payment solution can be beneficial for you like an affordable solution, with no need for maintenance third-party providers like (Celeris) will take care of everything and you have the access of cutting-edge payment solution for your business.
With a white label solution, you can fully rebrand the payment gateway based on your brand identity from logos, color theme, elements etc. Let’s take an example of a bank if a bank builds in house payment processing solution it could be very much time taking but still, they need to have a payment solution that aligns with their brand identity so customers can trust the bank with white label payment solution they can provide the customer a payment processing solution that aligns with their colors, logo, quotes, etc. to build the trust with customers.
As we have already discussed how much time, money, and effort it takes to build a payment solution including months or years in development and testing, with a white-label solution you can go live within weeks.
A good provider like (Celeris) offers a solution that grows alongside your business, from maintaining a smooth payment & checkout experience to handling a high volume of transactions, while ensuring 100% security and helping businesses build trust with customers by offering them personalised payment solutions.
In today’s world where every business wants to go global and offer services and products in different countries and cater to a global audience. For that you need to choose a provider wisely with Celeris, we support multi-currency accepting payments in 150+ currencies, offering multilingual checkout pages and accepting payment from their preferred local payment methods, making it easy to process payments from customers worldwide.
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We have already discussed how white label payment gateways help businesses in payment processing but like any product, service or option white label payment solutions also have advantages and disadvantages.
You can Launch Payment Gateway in Weeks: Building a payment processing solution in-house will take you at least a year and a half to obtain the necessary license, security, and compliance audits and software. And still, we have not added the time it takes to build a solid team, partner with financial institutes, and find the first client. With a white label payment gateway, you can go live in a month or less without wasting time in the most time-consuming process.
20 times less cost: You’re already aware of how much it costs you to build independent payment processing software. In many cases, the cost of product development costs you more than 20 times compared to ready-made white label payment solutions like (Celeris).
Required less Technical Knowledge: As we’ve mentioned already, how choosing a white label is more reliable than developing the solution in-house. With a good third-party provider like Celeris, we provide easy integration options like API, SDKs etc, a developer-friendly interface and technical support during integration and with all that you can go live in months and devote all your time and money to grow your business globally and Celeris will handle everything in backend.
Choosing a white-label payment solution can be a game changer for your business but only when you’re choosing the right one otherwise you have to face the issues mentioned below:
Limited customisation option: Despite normal options like logo, color core functionalities might be restricted by the provider like changing text, elements, or features.
Dependency on provider: You need to rely on the provider for updates, maintenance and uptime.
Compliance responsibility: Before choosing the provider must check if they have global and local compliance.
Costs accumulate over time: While some providers may charge you less as an initial setup cost they might charge you a higher transaction fee later on while scaling your business which is a burden.
Celeris get over these challenges with fully customisable and scalable solutions tailored to your business needs. Our platform allows you to make advanced customisations, ensures reliable performance, and simplifies compliance, all while providing cost-effective options that grow with your business.
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Assess Customisation Option and Easy Integration: Choose a provider that offers complete rebranding options from a color theme, logo, text elements etc. with easy-to-integrate options like APIs.
Check Security Standards: Ensure the provider complies with the highest security standards in the payment industry. Celeris follow top security protocols in the payment industry which is (PCI-DSS Level 1 Certified).
Scalability for Future Growth: Choose the provider that aligns with your future goals from handling an increased volume of transactions to maintaining a secure and smooth payment journey for customers.
Transparent and Competitive Pricing Model: Select a white-label solution that provides a transparent and competitive pricing model that aligns with your budget.
Availability of Support: Go for the provider who is available for you to resolve your query and problem quickly to maintain smooth operations.
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In today’s growing economy, how beneficial it is to have a payment solution that offers a secure and seamless payment experience for your customers. In this blog, we have already discussed everything about Whitelabel payment solutions.
If you’re ready to take your payment infrastructure to the next level, Celeris is your one-stop solution, with multiple currencies support, PCI-DSS Compliance, and easy integration options, we’ve got everything you need to deliver a smooth, secure, and branded payment experience to your customers..
Choose Celeris today and witness the difference. Success is just a gateway away!
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