How an independent agent can start accepting and processing payments for clients — without a license or infrastructure of their own.
to first payment
infrastructure investment
available providers
Operate under the umbrella of a licensed PSP — with your own brand and client base.
You operate as an agent of a licensed payment system operator. No licensing requirements, audits, or capital expenditures.
White-label dashboard, payment forms, and reports — all under your logo. Your clients only see your brand.
Set your own fees per client. Your margin is the difference between the PSP wholesale rate and your retail price.
A complete toolkit for running a payment business.
Admin dashboard with full analytics: transactions, conversion rates, fees, and payouts. Merchant and terminal management.
Full API for integration with your systems. Webhooks for real-time transaction status notifications.
Connect multiple providers and configure routing rules: by country, currency, amount, or decline rate.
The agent model is the fastest path into the payment business. You don't spend months obtaining a license, invest in your own infrastructure, or hire a development team. Instead, you connect to a licensed operator's platform and start serving clients under your own brand.
A typical payment agent profile is an IT company with an existing client base in e-commerce, SaaS, or the service sector. Their clients need payment acceptance, and you can offer them a turnkey solution at competitive rates. The agent margin comes from the spread between the PSP's wholesale price and the retail price for the merchant.
4Pay.online provides the agent with full infrastructure: white-label dashboard, API, routing, reporting, and compliance. The agent focuses on sales and customer service, while the platform handles all technical operations. Scaling requires no additional investment — the platform grows with your business.
Five setup wizards. The operator runs them alone — no development needed.
Organisation, team, plan and referral reward.
Domain, logo and theme: clients see your brand, not ours.
Provider, wallets and terminal — how payments are accepted.
A ready payment page and a webhook for every operation.
Jurisdiction and permitted safeguarding method, custodian bank, separate ledger accounts for client and own funds, and the daily reconciliation of obligations against the held balance.
The referral reward is configured during onboarding: the agent receives a share of the turnover of the organisations they bring in, with no manual calculation.
Start accepting payments for your clients — no license, no infrastructure investment.
Get started