The white-label payment gateway
built for what's next

Launch or migrate your PSP while merchants keep their existing integrations. Add new providers without burning your dev backlog. Operate it through a conversational interface.

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Reverse-compatible APIs — merchant migration without rewrites

Switch providers.
Keep your code.

MiracleGate wraps provider-specific APIs into a compatibility layer. Your merchants keep their existing integration — they just change the endpoint to your PSP. We handle the rest. Powered by MiracleAPI, our proprietary integration engine, built into the gateway core.

  • Merchants migrate by changing one URL — zero code rewrite
  • Acquire merchants from competing PSPs without integration friction
  • Compatible with any existing provider API format
merchant_integration.tsIllustrative

// Merchant's current integration (unchanged)

const charge = gateway.process({

amount: 4200,

currency: "EUR",

host: "old_provider_api_url",

});

// Migrate to your PSP — merchant changes one line

const charge = gateway.process({

amount: 4200,

currency: "EUR",

host: "your-psp.miracle.gateway/api"// ← only change

});

// Miracle handles compatibility — routes to new provider

// via the merchant's existing API format

Conversational operations

Run your gateway
with words.

Create merchants, configure routing, pull reports, and debug transactions through a conversational interface. No overloaded dashboards — just tell it what you need.

  • Natural language commands for any operation
  • Context-aware, auditable responses
  • From merchant onboarding to decline analysis
operations terminalIllustrative
Create merchant "NordPay" and connect to primary acquirer
✓ Merchant created. Primary acquirer connected with live credentials. Smart routing enabled.
What's the decline rate in Germany this week?
2.8% (↓ 0.4% vs last week). Primary reason: 3DS authentication timeout. Recommendation: enable frictionless 3DS for low-risk transactions.
Ask anything about your gateway...
Ledger & reconciliation

Know where every
dollar is. Always.

A real-time ledger that tracks liabilities, receivables, and settlements across every provider. Reconciliation isn't an afterthought — it's the foundation.

  • Multi-provider automated reconciliation
  • Discrepancy detection in real time
  • Commission tracking across partners
reconciliation dashboardIllustrative

Owed to Merchants

$823,400

94% settled on time

Owed by Acquirers

$865,120

$749K received · $116K pending

Net position (spread)

+$41,720 ~5.1%

Settlement Status

1 delayed
Acquirer A — $512K batchsettled T+1
Acquirer B — $237K batchdue tomorrow
Acquirer C — $116K batchoverdue 2 days
Emerging protocols

Ready for Agentic payments

AI agents are beginning to negotiate prices, initiate purchases, and settle transactions autonomously. Your payment infrastructure needs to speak their language.

Agent

AI initiates purchase request

Gateway

Validates, routes, processes

Provider

Executes transaction

Ledger

Records & reconciles

agent transaction logIllustrative

Agent → Process $4,200 to supplier_id:vnd_847, optimize for cost, EUR

Gateway → Routed via Provider B (lowest FX spread). 340ms. Settlement T+1.

Ledger → Recorded. Liability matched. Commission $12.60 allocated.

Supported protocols

ACP

Agentic Commerce Protocol

OpenAI + Stripe. Checkout via chat agents, SPT-tokens, MCP as transport layer.

Platform capabilities

Everything a modern PSP gateway needs

Routing & cascading

Route to the best provider per transaction. Failover and cascading.

Security-first

PCI DSS-ready architecture with an isolated vault service for card data. ISO 27001 and SOC 2 on roadmap.

Real-time analytics

Live dashboards and exportable reports for ops, finance, and compliance teams.

Multi-provider & multi-currency

Connect any PSPs, acquirers, and payment methods.

Payment widget

Hosted checkout. Embed payment flows without custom frontend.

Anti-fraud basics

Whitelists, blacklists, velocity limits. Behavioral signals and rule-based risk controls.

Use cases

Built for teams that move money

PSPs & PayFacs

Unify provider connections, automate merchant onboarding, and gain real-time settlement visibility. Ideal for teams launching a new PSP or replacing a legacy white-label gateway.

Payment brands

Expand to new geographies without rebuilding your stack. Plug in local providers through universal APIs.

Fintech operators

Focus engineering on your product, not on maintaining provider integrations and reconciliation scripts.

Merchant aggregators

Scale your portfolio without scaling your ops team. Automate onboarding, routing, and financial reporting.

Pricing

Pay for what you use. Scale without friction.

Transaction-based pricing with AI features billed as tokens. Volume tiers lower your per-unit cost as you scale. Designed for teams just starting out and for PSPs with variable traffic — no painful monthly minimums.

  • Per-transaction pricing — you pay based on actual processing volume
  • AI-powered features billed via tokens — adapters, intelligent routing, custom reports
  • Volume tiers that lower your per-unit cost as you scale
  • No surprise invoices — transparent usage dashboard in real time
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FAQ

Common questions

Are you a payment service provider yourselves?
No. MiracleGate is a software vendor. We do not hold, move, or take financial risk on client funds — that sits with your license (bank, acquirer, PSP, EMI). You run payments under your brand and regulation; we provide the gateway infrastructure.
Can MiracleGate replace our existing gateway without disrupting our merchants?
Yes — that's the core design. MiracleGate exposes reverse-compatible APIs that match the endpoints your merchants already call. They keep their integration and change one endpoint. Migration is per-merchant and gradual: you can dual-run traffic against the old gateway during validation, move merchants in batches, and roll back to the previous endpoint if something doesn't match. No mass cutover, no merchant-side release required.
How complex is the API integration for a merchant onboarding to MiracleGate?
Two paths, depending on what the merchant prefers. If they're already integrated with another gateway's API, MiracleGate can mirror that surface — they point to our endpoint and keep their existing code. If they want a clean integration from scratch, our own API was designed on the back of a provider-API rating we built while benchmarking 100+ gateways and acquirers — we catalogued which patterns scale, which break under load, and where DX usually falls apart, then shipped an API that inherits the good patterns and skips the known traps. Integration is noticeably lighter than a typical gateway onboarding either way.
What can our team do through the conversational interface?
Via chat: configure routing and cascading rules, onboard a new merchant, launch or change payment methods, query the ledger and reconciliation, pull custom reports. The list isn't fixed — MiracleGate is AI-driven from the ground up, so anything an AI agent can reason about can be implemented as a capability on the platform.
How does pricing work if our volume is seasonal or unpredictable, and what's the minimum commitment?
Processing fees are fully usage-based — you pay per transaction, with volume tiers that lower your per-unit cost as monthly throughput grows and drop you back into a cheaper tier if volume falls. No monthly minimums on transactions. The platform itself has a standard annual agreement for infrastructure access and support, but we don't bolt on a minimum-volume surcharge if you don't hit a forecast. If your pattern is seasonal or hard to predict, we size the setup and access fees to that profile during the commercial conversation rather than forcing you to commit to a volume you might not hit.
What does a white-label payment gateway typically cost?
Market norms for SME-tier white-label gateways usually include monthly infrastructure fees in the low thousands of euros, per-transaction costs, and a setup fee that can push first-year spend well above €50,000. MiracleGate uses transaction-based pricing — you pay on actual volume, with volume tiers that lower the per-unit rate as you scale. Setup is sized to your configuration, and we work with teams that are just starting out and with PSPs whose volumes fluctuate, without painful monthly minimums.

Ready to upgrade your payment infrastructure?

Talk to our team about how MiracleGate can simplify your operations and prepare your platform for what's coming next.

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