Many merchants have never heard of linked2pay and are using it every day. That is the point of a white-label platform: the processor’s logo goes on it and the merchant sees “our gateway.” This page explains what linked2pay is, what it does, and how to evaluate an account that runs on it.
What linked2pay is
From its site as of September 2026, linked2pay offers ISOs and financial institutions a white-labeled payment gateway and CRM:
- Payment types: credit cards, ACH, remote deposit capture.
- Virtual terminal described as a browser-based experience with automation, built-in compliance, flexible billing options and real-time reporting.
- Online payment pages that integrate with existing software and can auto-populate amounts.
- Card-present through wireless Android terminals.
- Invoicing, payment links, text and email payments.
- API and webhooks.
- Partner-side CRM: sales team management, reporting, merchant onboarding, and a white-labeled due-diligence portal for underwriting.
- Scale: 130,000+ merchants managed, 300+ partners, 99.9% uptime stated.
Sold through an ISO partnership program. Merchants do not sign up with linked2pay.
What that means for a merchant
Your relationship is with the ISO. They set the gateway fee, the per-item fee, the processing pricing, the ACH pricing, the contract term and the support experience. linked2pay supplies the software. Three consequences:
- Pricing is whatever your ISO decided. Two merchants on the same platform can pay very different amounts.
- Support quality is the ISO’s. The platform is stable at scale; whether anyone answers the phone is not linked2pay’s doing.
- Migration goes through the ISO. Stored card and ACH data can move to another PCI-compliant gateway, but the export request is made by the ISO on your behalf.
Where it is strong
Businesses that receive a mix of payment types benefit most: cards, ACH and scanned checks in one terminal with one report. Property management, HOAs and associations, professional services, B2B billers and nonprofits are typical. The invoicing and text or email payment tools are competent for those uses.
Evaluating a linked2pay account
Same checklist as any reseller gateway:
| Line | Get in writing |
|---|---|
| Gateway monthly and per-item | Numbers, not “included” |
| Processing model | Interchange-plus with the markup stated, or the flat or tiered rate |
| ACH | Flat per item, or percentage with a cap |
| Remote deposit capture | Per-item and any scanner fee |
| PCI, annual, statement fees | Each one |
| Term | Initial term, auto-renew, early termination fee |
Then total last month’s gateway invoice and processing statement and divide by volume. The method is on the statement guide.
Alternatives with the same shape
NMI and USAePay (partner-sold, cards and ACH, broad integrations), accept.blue (ISO-sold, modern interface, invoicing, Level 3), Fluidpay (partner-only, dual pricing across channels). All white-labeled to some degree; all priced by the reseller. The gateway matters less than the terms and the person you call. Our terms: month to month, gateway and processing on one bill, interchange-plus, and a cell number.