Own Your Payment Orchestration
A white-label platform to route, optimize, and manage payments across multiple providers
Your brand. Your infrastructure. Our technology.
Most orchestration platforms rent you access.
We let you own the stack. The White-Label Orchestration Platform gives software vendors, PSP-style aggregators, and high-volume merchants a fully brandable, deployable orchestration layer — as a license or as complete source code.
Smart routing and cascading automatically send every transaction to the best-performing, lowest-cost provider — cutting processing costs and lifting approval rates by up to 35%. You control the infrastructure, the data, and the roadmap.
We provide the technology, the documentation, and the support to get you there.
7–12 weeks
to production, vs. 12–24 months building from scratch
Up to 35%
higher approval rates via smart routing & cascading
Lower Costs
multi-PSP logic cuts processing & decline-related fees
100%
data stays inside your own infrastructure
One engine. License it or take the source code.
License or Source Code
One offering, delivered your way
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Fully branded checkout, merchant portal & payment pages under your domain
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Delivered as a license or as complete source code (you host and fully self-manage) — your choice
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Smart routing & cascading built in from day one — lower costs, higher approval rates
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Unlimited customization rights
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You handle PCI DSS & 3DS; we consult on setup & audit readiness
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Updates, patches & new integrations included in your license or maintenance contract
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Optional source code escrow available
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Go live in weeks, not months
In-House Development
Building it yourself
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12–24 months before you process a single live transaction
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$350,000–$1,000,000+ in upfront engineering cost
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Your team owns PCI DSS & 3DS architecture from zero
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No smart routing or cascading on day one — declines cost revenue from launch
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Every new PSP integration is its own dev sprint
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Ongoing maintenance & security patches fall entirely on your team
Built for high-volume businesses.
Why buy a ready-made platform instead of building from scratch
iGaming & Gaming Software Vendors
Operators, platform providers, and virtual goods/skin marketplaces.
Crypto & Digital Assets
Exchanges, processors, and on/off-ramp platforms.
Travel & Ticketing Marketplaces
OTAs, charter and boutique travel agencies, avia, events and secondary ticket platforms.
Adult & Creator Platforms
Content subscriptions, cam platformss.
Dating
Dating websites and apps.
Forex/CFD
Offshore and licenced brokers
Key features.
Ops excellence
Merchant & Sub-Merchant Onboarding
Configure sub-merchants or multi-entity, multi-brand corporate structures.
Reconciliation & Settlement Reporting
Automated transaction matching and settlement reporting across providers.
Merchant Portal
Operational dashboard for your team and for your sub-merchants.
White-Label Branding
Your own domain, UI, and payment pages under your brand.
Analytics & Dashboards
Conversion, approval rate, and breakdowns by provider and payment method.
Infrastructure and anti-fraud
3DS Service
Built-in 3D Secure authentication to reduce fraud and chargeback risk.
API / SDK / Webhooks
Integrate with your website or app via flexible APIs and SDKs.
Customer experience
Multi-Currency & FX
Settle in multiple currencies, including crypto.
Tokenization & Vaulting
Store payment credentials securely in tokenized form.
Customizable Payment Page
Adapt checkout per geography, dynamically configure payment methods, and enable cross-sell opportunities.
Multi-PSP Smart Routing & Cascading
Dynamic transaction routing, automatic cascading on declines, and load balancing across providers.
Payout Module
Automated payouts and mass disbursements.
You own compliance. We own the technology behind it.
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Infrastructure hosting
Client
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PCI DSS certification
Client
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3DS EMVCo certification
Client
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Licensing in target jurisdictions
Client
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Platform software, updates & patches
FinOn
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PCI DSS / 3DS setup consulting
FinOn
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Compliance-audit support (advisory)
FinOn
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Technical support (SLA)
FinOn
On-Premise
Fully self-hosted on your own servers or data center.
Private Cloud
Dedicated instance on AWS, Azure, GCP, or Alibaba Cloud.
Do you have any other question?
Enterprise-Grade Architecture, Built for Ownership
Website
Mobile App
Checkout Page
Custom Logo
Brand Colors
Language
selector
Smart Routing Engine
Method
BIN
Cost
GEO
PSPs / Acquirers
Architecture Overview
Modular breakdown of routing engine, onboarding, fraud, reconciliation, back-office.
Source Code Escrow
Optional third-party escrow (e.g., NCC Group, Iron Mountain) for source code buyers.
Deployment Runbook & API Reference
Full technical documentation pack included with both licensing models.
Build vs Buy
Building From Scratch
12–24 months before you process a single live transaction
$350,000–$1,000,000+ in upfront engineering cost
Your team owns PCI DSS & 3DS architecture from zero
Every new PSP integration is its own dev sprint
No smart routing or cascading on day one — declines cost revenue from launch
Ongoing maintenance & security patches fall entirely on you
Buying / Licensing FinOn
Live in 7–12 weeks on a proven, already-running engine
One-time license or source code fee — a fraction of a from-scratch build
Start from a PCI DSS/3DS-ready architecture; we consult on certification
New PSPs & APMs added by configuration, not code
Smart routing & cascading from day one — lower costs, higher approval rates
Updates, patches & new integrations included in your license or maintenance
Frequently Asked Questions
FinOn provides customizable white-label payment infrastructure that can be deployed as software for in-house use or delivered as a fully managed service. The software model is designed for businesses that require greater operational control over their payment infrastructure, while the managed model allows FinOn to operate and continuously optimize the service. The exact licensing terms, source code access, intellectual property rights, and deployment conditions are defined in the commercial agreement.
FinOn payment infrastructure is designed with PCI DSS and 3D Secure compliance in mind. FinOn Pay is described as PCI DSS certified, while FinOn’s 3D Secure Server is EMV® 3DS 2.x certified and approved by major card schemes. A customer’s individual compliance responsibilities depend on the deployment model, infrastructure, transaction flow, and applicable PCI DSS scope.
Source code escrow is not currently specified in FinOn’s publicly available product information. For customers considering a software licensing or source code arrangement, escrow requirements and release conditions can be discussed with the FinOn team as part of the commercial and licensing agreement.
FinOn provides customizable payment infrastructure designed for in-house deployment and operational control. The platform supports custom payment logic, configurable routing rules, integrations, merchant workflows, and branded payment experiences. The extent to which customers can modify the underlying source code depends on the specific software license and commercial agreement.
The scope of FinOn’s annual maintenance contract is defined by the applicable commercial agreement. FinOn provides dedicated support and offers continuously optimized managed services. Specific maintenance services, software updates, SLAs, response times, and support conditions depend on the selected service and licensing model.
FinOn Pay is designed for fast deployment, with a typical time to market of 2–3 weeks for its Payment Orchestration Platform. Actual go-live time depends on the required integrations, payment providers, deployment model, customization, and compliance requirements.
FinOn offers white-label payment infrastructure designed to operate under a partner’s own brand, with multi-merchant capabilities including merchant onboarding, management, payment routing, reporting, billing, and settlement functionality. Resale or sublicensing rights depend on the licensing and partnership agreement with FinOn.
Do you have any other question?
Ready to see the Full Picture?
Let’s connect - and walk you through a personalized demo.
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