A full-stack gateway for ISOs, banks, processors, and ISVs who are done renting. Flat license, zero per-transaction fees, your brand at every level — with a path all the way to source code. Everything the gateways gouging you provide, owned by you.
Every processor takes a cut of every sale. Every white-label gateway charges fees on every transaction and every merchant you add, forever — and you never own a line of it. Wink PG is a license. You set merchant pricing, you keep the margin, and the technology becomes intellectual property on your balance sheet. Start anywhere on the ladder and move up as your business grows.
Most gateways stop at routing a transaction and spitting out approved or declined. Wink PG is a full operating platform — analytics, hierarchy, billing, acceptance, and developer tooling — built so you can run an entire payments business on it.
The gateway opens on a graphical, analytical dashboard instead of a raw data table. It tells the story of the data — then lets you drill into the specifics.
The owner of the software spawns gateway instances at the reseller and merchant level, groups them, and sees the whole tree — while each tenant sees only their own. That hierarchical control is something most gateways simply don't do.
Billing is built into the gateway. The owner sets pricing plans, marks up the features they expose downstream, and collects — no separate tool to tell tenants what they owe. Like an app store for payment features.
Every acceptance channel runs through the same platform — and wherever possible, the cardholder's data never touches the merchant, shrinking PCI scope.
Card-present, EMV-certified acceptance at the counter.
Key in payments by phone or back office, no hardware.
An iframe takes the payment — merchant carries no PCI obligation.
Embedded payment link inside an electronic invoice.
ISVs embed acceptance directly into their own platform.
In-store, web, mobile, kiosk, and embedded — one platform, far less PCI exposure.
Set up a contract once — amount, schedule, and a card-on-file or ACH method — and it runs itself. Underneath sits the card vault, the security infrastructure that keeps card data out of the merchant environment.
A merchant sends a cardholder an electronic invoice with a return path that drops them right into the gateway to pay — no bounce-backs, no chasing, no separate billing service. (Distinct from merchant-level billing: that's the owner billing tenants; this is merchants billing their customers.)
The streamlined builder splits the screen: your build choices on the left, a live preview on the right. Type an amount and the button updates; rename the button and it changes; upload a logo and the page rebrands — in real time.
Wink built a compatibility layer so a developer integrated with Stripe changes a couple of parameters and is processing on Wink — no rebuild. For the ISV that wants to wrap Wink PG in its own brand and call it theirs, that's the fastest path there is.
# Same request shape your team already knows curl --request POST \ --url https://api.winkapis.com/v1/payment/session \ --header 'authorization: Bearer •••••' \ --header 'content-type: application/json' \ --data '{ "amount": 6899, "currency": "usd" }' # Response { "message": "created", "sessionId": "sess_3w2OO330a82h3" }
Prospects don't skim the architecture — they dig in. The stack is modern top to bottom, and it's built to be deployed your way rather than one-size-fits-all.
Every deployment has some element of uniqueness — the gateway flexes to fit, instead of forcing one mold.
Modern infrastructure and current-generation databases under the whole platform.
Card vault tokenization and end-to-end encryption keep sensitive data out of merchant scope.
Role-based access and per-merchant feature toggles for ISO, bank, processor, and ISV models.
The highest level of payment data security.
Certified controls for security and availability.
Compliance across biometric and payment regulation.
Monitoring and rapid response around the clock.
Wink's U.S.-based Network Operations Center is the reason ownership doesn't mean operational burden. Opt into managed services and we handle the infrastructure while you keep the brand, the pricing, and the merchant relationship.
Learn more about the NOC
