Implementation BlueprintExecution layer

BinaxPay White-Label Embedded Finance Setup (7-10 days)

A delivery playbook for agencies to white-label BinaxPay's multi-currency accounts, card issuance, and payment rails under their own brand, then resell the stack to clients in fintech, vertical SaaS, and creator verticals. Time: 7-10 days.

By InnovaAI ResearchPublished

Invoicing Payments

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Blueprint

BinaxPay White-Label Embedded Finance Setup (7-10 days)

A delivery playbook for agencies to white-label BinaxPay's multi-currency accounts, card issuance, and payment rails under their own brand, then resell the stack to clients in fintech, vertical SaaS, and creator verticals.

Prerequisites
  • Agency has at least one signed client with a genuine need for banking rails (multi-currency accounts, card issuance, or cross-border payments), not just invoicing
  • Internal KYC/KYB document collection process documented, since BinaxPay requires business account applications and identity verification for each client account
  • A named delivery lead who can coordinate with BinaxPay's provider orchestration layer and handle compliance tooling questions
  • Client's checkout or invoicing flow documented so payment receiving integration points are known before configuration begins
  • Budget approved for the one-time personal verification fee of £15 per account holder plus the chosen BinaxPay plan tier
Execution Timeline
  • 1.Run compliance readiness review: map client's KYC/KYB document requirements against BinaxPay's business account application flow
  • 2.Confirm which modules the client needs (accounts-only, cards-only, payments-only, or full stack) to scope the white-label configuration
  • 3.Set up agency's BinaxPay partner access and review the banking API documentation for integration points
  • 1.Open the pilot client's multi-currency account in GBP, EUR, USD, or TRY via the BinaxPay onboarding flow
  • 2.Submit identity verification documents and pay the one-time £15 personal verification fee
  • 3.Configure the white-label branding layer so the account presents under the client's brand, not BinaxPay's
  • 1.Issue virtual cards with spending controls for the client's business use cases
  • 2.Test a domestic payment through the Faster Payments rail to confirm receiving flows work
  • 3.Document the card issuance process and spending control options for the client's finance team
  • 1.Execute a cross-border payment with FX conversion to validate the FX module and record the rate applied
  • 2.Compare the FX pricing against the client's current provider to quantify the switch rationale
  • 3.Flag any SWIFT or ATM withdrawal add-ons the client may need and note their activation cost
  • 1.Integrate BinaxPay payment receiving flows into the client's existing checkout or invoicing process
  • 2.Test the crypto on/off-ramp module if the client's vertical requires it, and document the flow
  • 3.Configure chargeback handling settings and confirm the escalation path with BinaxPay support
  • 1.Build the client-facing admin walkthrough covering account management, card controls, and transaction monitoring
  • 2.Set up the monthly transaction summary report template that the agency will deliver as part of the retainer
  • 3.Run a full end-to-end test: account opening, card issuance, domestic payment, cross-border payment, and FX conversion
  • 1.Train the client's finance or ops team on the white-labeled dashboard and card management
  • 2.Hand over the anomaly flagging process and define what triggers an agency escalation
  • 3.Confirm the client's plan tier (BinaxPay Plus at £19.99 monthly or BinaxPay Black at £39.99 monthly) based on their FX and payment volume
  • 1.Document the full configuration as a reusable agency playbook for the next client in the same vertical
  • 2.Review resale margin against actual transaction volume and add-on activation (SWIFT, ATM withdrawal, chargeback handling)
  • 3.Schedule the first monthly transaction summary review and set the retainer cadence
USD 470 to USD 1,200 per client engagement for agency delivery time, plus pass-through BinaxPay costs: £19.99 monthly for BinaxPay Plus or £39.99 monthly for BinaxPay Black, and a one-time £15 personal verification fee per account holder7-10 days
ROI Logic

The agency charges a setup fee plus a monthly retainer (the productized BinaxPay Local Payments Setup runs at $470/mo with 16h setup and 3h/mo maintenance), while the underlying BinaxPay plan costs the client £19.99 or £39.99 monthly plus a one-time £15 verification fee. Margin comes from the gap between the retainer and the tool cost, and it widens as the client activates higher-volume add-ons like SWIFT, ATM withdrawal, and chargeback handling. Agencies that resell the full white-label stack rather than a single module capture more of the client's transaction volume and justify a higher retainer.

Deliverables
  • White-labeled BinaxPay account configured with client branding, multi-currency wallet (GBP, EUR, USD, or TRY), and card issuance enabled
  • Documented KYC/KYB onboarding workflow the agency can reuse for the next client in the same vertical
  • Monthly transaction summary report template with anomaly flagging criteria and escalation path
  • Client-facing admin walkthrough covering account management, card spending controls, and FX conversion
  • Reusable agency playbook mapping BinaxPay modules (accounts, cards, payments, FX, crypto on/off-ramp) to client vertical requirements
Definition of Done

The client's white-labeled BinaxPay account is live with at least one successful domestic payment, one cross-border payment with FX conversion, and one issued virtual card, and the agency has a signed monthly retainer covering transaction summary review and anomaly flagging.

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