> For the complete documentation index, see [llms.txt](https://doc.tokenpay.me/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://doc.tokenpay.me/common-problems/white-label-vs.-payment-api-a-deep-dive-into-web3-payment-solutions.md).

# White Label vs. Payment API: A Deep Dive into Web3 Payment Solutions

### Core Concept Analysis

**Payment API**\
As a foundational payment solution, it supports multi-chain (ETH/BNB/TRON/POLYGON etc.) and multi-currency (USDT/USDC/ETH/BNB) payments. Its core advantages include:

* ntegrated payment system (PC/H5 adaptive)
* Multi-chain transaction reports and balance change tracking
* Suitable for general payment scenarios

<figure><img src="https://1525712843-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FyTSBSM3uLnIDbPyeLQ0p%2Fuploads%2FnTs6a4YRglzFWLuNqvDG%2FSnipaste_2025-09-08_15-47-37.png?alt=media&amp;token=68050ce6-b1da-4cce-8760-f78b7e1eb6f3" alt=""><figcaption></figcaption></figure>

**White Label** \
An customized upgrade on top of payment API services. Its core value lies in:

* Brand-specific payment interface (logo replaceable)
* No redirection to third-party payment terminals, completing payments entirely within merchant websites
* Suitable for brand-oriented payment scenarios

<figure><img src="https://1525712843-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FyTSBSM3uLnIDbPyeLQ0p%2Fuploads%2FWtmZs5uorFmK1WTI7hkM%2FSnipaste_2025-09-08_16-41-33.png?alt=media&amp;token=1099c706-2e3f-4bee-a966-c5caa5c263d4" alt=""><figcaption></figcaption></figure>

### Rate Difference

\
**Payment API**\
The lowest handing fee 0.8%,and no additional fees

**White Label** \
The lowest handing fee 1%,and no additional fees

### Selection Recommendations

White Label and Payment API are different concepts, although their APIs are basically related. White Label is a customized, logo-free cash register for branded merchants, which allows the merchant user to complete the entire process from product purchase to payment without a webpage jump, and also allows branded merchants to use their own merchant name and brand logo in the customized cash register.

**Choose Collection API:**

* Need rapid integration
* Project in early stage
* Focus on basic payment functions

**Choose White Label :**

* Require brand payment entrance
* Have customization needs
* Need deep integration with existing system