Case Study: How a Payment Processor White-Labelled TransFi to Add Crypto Rails for Merchants

Payment processors are under constant pressure to evolve. Merchants demand faster settlements, lower fees, and the ability to transact globally without being restricted by traditional banking limitations. At the same time, customer demand for digital asset payments is growing rapidly.

One payment processor saw this shift as an opportunity. By white-labelling TransFi’s infrastructure, the processor was able to embed stablecoin payment rails into its existing offering, enabling merchants to accept crypto payments seamlessly.

This case study explores how the processor used TransFi’s white-label crypto solution to expand its service portfolio, future-proof its infrastructure, and offer merchants a competitive edge in cross-border payments.

The Challenge: Merchant Demand Outpacing Legacy Rails

The payment processor faced mounting challenges from its merchant base:

High Transaction Fees – Card networks charged 3–5%, making cross-border transactions costly.
Slow Settlement – Traditional payouts could take up to 5 business days, affecting merchant cash flow.
Merchant Requests for Crypto – Increasingly, merchants asked for stablecoin acceptance options.
Competitive Pressure – Rival processors were starting to integrate digital asset payment flows.

Without crypto payment rails, the processor risked falling behind in an industry that is shifting towards digital-first, borderless solutions.

Why the Processor Chose TransFi

After exploring multiple providers, the processor partnered with TransFi due to its white-label, enterprise-grade crypto infrastructure. The decision was driven by:

White-Label Integration – Offered under the processor’s brand with full customization.
Merchant-Ready APIs – Plug-and-play APIs for seamless onboarding of business clients.
Stablecoin Settlement – Payments in USDC/USDT ensured stability and avoided volatility risk.
Cross-Border Reach – Support for merchants operating in 60+ countries.
Low Fees & Faster Payouts – Settlements in minutes with costs reduced by up to 70%.

With TransFi, the processor could add crypto payment capabilities without building new infrastructure from scratch.

How the Integration Works

The integration was designed to fit effortlessly into the processor’s merchant payment flows:

Merchant Opts In – Merchants activate crypto payments within the processor’s dashboard.
Customers Pay in Stablecoins – Checkout includes the option to pay with USDC or USDT.
Processor White-Labels TransFi – Payments are routed through TransFi’s rails but branded as the processor’s service.
Merchant Settlements – Merchants receive instant settlement in crypto or converted local fiat.

This white-label approach allowed the processor to maintain its brand identity while leveraging TransFi’s proven infrastructure.

The Results

The impact of the integration was clear within months:

60+ Countries Enabled – Merchants could now serve customers globally without banking friction.
70% Lower Payment Fees compared to traditional card networks.
Settlement in Minutes versus days with legacy systems.
Merchant Growth – A 15% increase in merchant acquisition, driven by demand for crypto payment options.
Future-Proofed Offering – The processor positioned itself as an innovator in the fintech space.

A senior executive at the processor noted:

“By white-labelling TransFi, we were able to roll out crypto payments under our own brand in weeks, not years. Our merchants love the faster settlements, and we’ve gained a competitive edge in attracting new clients.”

Why This Matters for Payment Processors

This case highlights how white-labelled crypto infrastructure can unlock growth for processors:

Expand Merchant Services – Add stablecoin acceptance alongside traditional payment methods.
Increase Merchant Retention – Offer lower fees and faster payouts.
Open New Markets – Enable borderless payments for global merchants.
Reduce Development Costs – Leverage ready-made APIs instead of building in-house.
Strengthen Competitive Position – Stay ahead of fintech disruption with crypto rails.

Also read: São Tomé and Príncipe’s Payment Rails & How They Work – Mobile Banking & Emerging Digital Systems

Conclusion

For payment processors, the next frontier is clear: crypto-enabled merchant services. By white-labelling TransFi’s stablecoin infrastructure, this processor quickly delivered global crypto payments, faster settlements, and lower fees — all under its own brand.

The result: a future-ready payments business with stronger merchant loyalty and new revenue streams.

FAQs

1. Can processors fully brand the integration?
Yes — TransFi’s white-label solution allows processors to offer crypto payments under their own brand identity.

2. What settlement options are available for merchants?
Merchants can receive settlements in stablecoins (USDC/USDT) or in local fiat currencies through TransFi’s payout rails.

3. How quickly can integration happen?
Most processors integrate TransFi within a few weeks, thanks to API-first design.

4. Is this only for large processors?
No — TransFi’s infrastructure is built for both mid-sized and large payment providers.

5. Why stablecoins instead of volatile crypto?
Stablecoins offer price stability, global accessibility, and regulatory acceptance, making them ideal for merchant payments.

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