White Payments is a card acquiring and payment API service for online merchants in the Middle East. Its pages repeatedly indicate that it has joined Payfort. Its positioning is similar to a “Middle East version of Stripe”: merchants can accept online credit/debit card payments via APIs, frontend components, or e-commerce plugins, and settle funds to a bank account without going through separate bank onboarding processes.
In terms of services, White provides an online payment gateway, acquiring processing, secure frontend card-data collection, and refund/chargeback handling. Supported payment methods are mainly Visa and MasterCard. The documentation explicitly states that PayPal is not supported, American Express has not yet been integrated, and 3D Secure is not supported. In terms of coverage, buyers can come from almost any country worldwide, but the merchant’s legal entity must be in the UAE. Supported currencies include AED and USD, while the terms also mention approved Covered Currencies such as GBP and Euro.
Its published pricing is 4.9% + US$0.30 per successful transaction, with no setup fee, monthly/annual fee, settlement fee, or currency conversion fee. Volume pricing is negotiable for merchants processing more than US$50,000 per month. The chargeback fee is US$15 and is refunded if the dispute is won; refunds cost US$0.30 each. Settlement is described as free weekly payouts to a bank account every Monday, with a minimum payout of US$30. The service terms also state that funds are usually credited within 7 days and that reserves may be applied depending on risk.
The advantages are low onboarding and integration barriers. API documentation, curl examples, Ruby/PHP SDKs, Beautiful.js, white.js, and WordPress/OpenCart integrations are developer-friendly. PCI Service Provider Level 2 certification and direct frontend card-data submission can also reduce merchants’ compliance burden. The downsides are that pricing is relatively high for larger merchants, the range of payment methods is narrow, 3D Secure is not supported, which may affect some risk-control or issuer-preference scenarios, and the brand has now been merged into Payfort, so its standalone availability needs to be confirmed.
It is better suited to e-commerce businesses, SaaS companies, and local Middle East startups that have a registered entity in the UAE and want to launch card payments quickly. Chinese merchants without a UAE entity are unlikely to meet the direct usage requirements. The source text does not provide information about accessibility from mainland China, so this is unknown. Alternatives include Amazon Payment Services/Payfort, Checkout.com, Adyen, Stripe, PayTabs, Telr, and others.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on whitepayments.com official site.
whitepayments.com is an United Arab Emirates Payments provider. TG4G tracks its product information, an overall rating of 5.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach whitepayments.com directly.