BinaxPay enables partners, enterprises, telecoms, fintech startups, governments, and large organizations to launch their own fully branded financial products without building a banking infrastructure from scratch. Through our modular platform, partners can deploy co-branded apps, wallets, cards, merchant systems, and financial services powered entirely by BinaxPay’s global infrastructure while maintaining their own brand identity.
This allows organizations to operate as modern digital banks or payment platforms instantly, with full control over users, revenues, and local expansion.
1. Launch Your Own Banking App Under Your Brand
Partners can deploy a complete mobile and web banking experience.
Capabilities:
- Partner-branded mobile app (iOS and Android)
- Custom web dashboard
- UI and UX customization
- Partner domain and branding
- Multi-language support
- Use-case-specific design (consumer, business, merchant, telecom, NGO)
Real example: A telecom operator in Africa launches a co-branded financial app for its users, offering wallets, cards, and mobile money powered by BinaxPay.
2. Co-Branded Cards (Virtual and Physical)
Partners can issue cards under their own brand.
Capabilities:
- Partner logo on virtual and physical cards
- Region-specific BIN routing
- Multi-currency spend
- Online and POS acceptance
- ATM access
- Card controls inside partner app
Real example: A retail chain in Mexico issues loyalty cards that double as prepaid spending cards for customers.
3. White-Label Wallet and Account System
Partners receive full multi-currency wallet infrastructure.
Capabilities:
- EUR, GBP, USD, and local wallets
- Local payouts
- Merchant acceptance
- Savings and internal transfers
- Account statements
- User-level transaction history
Real example: A fintech startup in the Philippines launches a wallet app offering PHP and USD accounts for freelancers receiving global payments.
4. Partner-Level Merchant Services
White-label partners can onboard merchants under their own operation.
Capabilities:
- Merchant onboarding flows
- POS and checkout integration
- Instant settlements
- QR and USSD solutions
- Refund and dispute management
- Merchant analytics
Real example: A logistics platform in India offers merchant collections and settlement tools to its vendors and drivers.
5. Custom Revenue-Sharing Models
Partners earn revenue from all activity inside their white-label ecosystem.
Sources of revenue:
- Transaction fees
- FX spread
- Card interchange
- Merchant fees
- Payout fees
- Subscription and plan fees
- Value-added services (ERP, payroll, invoicing)
Real example: A national association in UAE launches a financial platform for its members and receives revenue from FX and merchant payments.
6. White-Label Business Banking
Partners can offer business accounts under their brand.
Capabilities:
- Multi-currency business wallets
- Invoicing tools
- Payroll and HR
- Supplier payouts
- Merchant settlement tools
- Expense cards
Real example: A chamber of commerce launches a business banking solution for SMEs in its network.
7. White-Label ERP and Operational Tools
Full ERP modules can be activated inside the white-label system.
Capabilities:
- CRM
- HR and payroll
- Inventory management
- Supplier management
- POS
- Accounting reports
Real example: A government-backed SME program in LATAM launches ERP and payments for local businesses.
8. Partner-Level Compliance and Risk Controls
Partners get access to full automated compliance and monitoring.
Capabilities:
- KYC and KYB flows
- AML monitoring
- Sanctions screening
- Risk scoring
- Merchant risk management
- Corridor-level restrictions
Real example: A fintech partner in Kenya uses the compliance dashboard to approve merchants and review flagged transactions.
9. API-Driven Integration for Any Use Case
Partners can build custom features on top of our infrastructure.
Capabilities:
- User onboarding via API
- Payment initiation
- Wallet creation
- FX conversion
- Card issuing and controls
- Merchant operations
- Payroll automation
Real example: A ride-hailing platform integrates payouts, card issuing, and merchant management directly into their existing app.
10. Full White-Label Operator Dashboard
Partners receive an advanced dashboard to manage their entire ecosystem.
Capabilities:
- User management
- Merchant onboarding
- Card program management
- Settlement controls
- Treasury and liquidity monitoring
- Revenue analytics
- Compliance reporting
Real example: A JV operator in Nigeria uses the dashboard to onboard agents, manage liquidity, run compliance checks, and monitor daily revenue.
11. Scalable Multi-Country Expansion
White-label partners can expand into new markets using BinaxPay’s global infrastructure.
Capabilities:
- Activate new countries instantly
- Local treasury pools
- Local payout rails (mobile money, banks, PSPs)
- Custom corridor pricing
- Local regulatory alignment
Real example: A fintech partner expands from Kenya to Uganda to Rwanda using the same infrastructure without rebuilding anything.
Conclusion
BinaxPay’s white-label and co-branded banking capabilities empower partners to launch fully operational financial ecosystems under their own brand, complete with wallets, cards, merchant tools, ERP modules, mobile money integration, cross-border payouts, API automation, and global compliance.
This allows telecoms, enterprises, startups, NGOs, governments, marketplaces, and financial operators to create world-class banking experiences without building their own core banking system, accelerating expansion, revenue, and innovation across every region.