percommerce.com

What It Is

Per Commerce positions itself as a software technology partner for paytech and fintech providers, with the core message of “our technology, your business.” Based on the site copy, it is not a conventional single payment gateway or acquirer. Instead, it provides customizable, white-label, turnkey software solutions for payment technology and fintech companies, helping clients quickly launch capabilities related to payments, e-commerce, back-office management, and integrations.

Core Capabilities

In terms of service types, Per Commerce offers white-label products, turnkey deployment, custom integrations, shopping cart software compatibility, customer service tools, a full dashboard, UI kits and themes, and custom development. The website particularly emphasizes that its technology supports major shopping cart platforms and that it can develop custom plugins when needed, making it suitable for service providers that want to embed payment or e-commerce capabilities into their own product ecosystems.

Information on the payment side is relatively limited. The copy mentions capabilities covering payments, security, and accounting system interfaces, but does not specify which payment methods are supported, such as cards, ACH, local wallets, or cross-border payment methods. It also does not clarify supported countries/regions, clearing routes, acquiring entities, or settlement timelines. Therefore, when evaluating its real payment capabilities, it is still necessary to request product documentation and compliance materials from the company.

Pricing and Compliance

For pricing, Per Commerce does not publicly disclose rates, monthly fees, implementation fees, or transaction fees. It only states that solutions and features are customized based on client needs and can scale as the business grows, so pricing is likely quote-based and consultative. On compliance, the copy emphasizes that its security layer is continuously enhanced and that it provides Anti-Fraud Tools, but it does not disclose PCI DSS status, payment licenses, MSB registration, e-money institution licenses, or other regulatory qualifications.

Pros, Cons, and Best Fit

Its advantages are clear white-label positioning, allowing the client to fully own the brand, as well as support from training, integration, and customization through to initial setup. It is suitable for payment technology companies that lack in-house development resources but need to launch a platform quickly. The downside is limited public transparency: payment methods, fees, settlement, licenses, API documentation, and SLAs are not clearly stated, so due diligence is required before procurement.

Access from China and Alternatives

Access from mainland China cannot be determined from the site copy alone, so it should be marked as unknown. If a China-based team is evaluating this type of solution, it should focus on confirming the stability of access to the official website and back office, whether Chinese companies can sign contracts, supported payment methods, and data compliance requirements. Comparable platform payment or orchestration solutions include Stripe Connect, Adyen for Platforms, Checkout.com, Payrix, Rapyd, Primer, and Spreedly.