SimplifyLabs implements a sub-account model where your PSP's master account manages a portfolio of merchant sub-accounts. Each merchant sub-account has its own wallet addresses, transaction history, settlement configuration, and KYC status—fully isolated from other merchants in your portfolio. Your PSP sees all merchant activity at the portfolio level through consolidated reporting, while individual merchants only access their own sub-account data through your white-labeled merchant portal. New merchant sub-accounts can be created programmatically via API as part of your merchant onboarding flow, or manually through the SimplifyLabs partner dashboard.

SimplifyLabs charges your PSP account a wholesale transaction fee based on your portfolio volume. You configure the retail transaction fee you charge your merchants in the sub-account settings—any amount above the wholesale rate is your PSP's margin. For example, if SimplifyLabs charges your platform 0.7% and you charge merchants 1.5%, your margin is 0.8% on every transaction processed through your platform. Margins can be configured differently per merchant category, volume tier, or individual merchant account, giving your PSP complete pricing flexibility. As your portfolio volume grows, SimplifyLabs' wholesale rate improves, allowing you to either improve merchant pricing competitively or increase your margin.

The SimplifyLabs white-label implementation covers the customer-facing payment widget (your logo, colors, domain), the merchant-facing dashboard (your brand identity throughout all pages and reports), email notifications to merchants and their customers (your domain and brand), and API response attributes that expose your PSP's product name rather than SimplifyLabs. The integration is deep enough that your merchants conducting standard due diligence on the payment widget will see your PSP's identity, not SimplifyLabs. Enterprise PSP partners can also request custom domain SSL certificates and advanced brand isolation features.

SimplifyLabs handles KYC/AML compliance at both the PSP platform level and the individual merchant sub-account level. When you onboard a new merchant, SimplifyLabs' KYC API triggers the appropriate verification for the merchant's business type and expected transaction volumes. AML monitoring runs continuously on all transactions across your merchant portfolio, with alerts surfaced to your operations team and, where required, to SimplifyLabs' compliance team for regulatory reporting. As a PSP partner, you also receive access to compliance documentation—our licensing certificates, AML policy summaries, and audit reports—that you can share with your merchants or regulators as part of your due diligence package.

Each merchant sub-account has independently configurable settlement preferences. Merchants can hold received crypto in their sub-account wallet, configure auto-conversion to fiat at the point of payment confirmation, or schedule periodic bank transfer settlements. As the PSP, you can set portfolio-wide default settlement configurations that apply to all new merchants, with per-merchant overrides for merchants who have specific requirements. Settlement reports are available in your white-labeled merchant portal, and your PSP-level reporting shows aggregate settlement totals across the portfolio. SimplifyLabs handles the banking relationships and fiat settlement rails—you and your merchants don't need to manage those independently.

SimplifyLabs supports merchants in several high-risk categories, but eligibility depends on the specific category, the merchant's jurisdiction, and the applicable licenses held. Forex and regulated trading platforms are generally supported for licensed operators. Gambling and iGaming merchants are supported for operators with applicable gambling licenses. Some categories may require additional due diligence or have geographic restrictions. Contact our PSP partnerships team to discuss your merchant portfolio composition and we'll provide a clear assessment of what's supported under your PSP arrangement.

SimplifyLabs provides PSPs with portfolio-level reporting covering: total transaction volume and count across all merchant sub-accounts, fee revenue breakdown showing gross transaction fees collected minus SimplifyLabs wholesale costs, per-merchant performance reports showing transaction volume, settlement totals, and payment method distribution, currency distribution across the portfolio, and time-series trend data for volume growth analysis. All reports are available via the partner dashboard and API, and can be exported in CSV or JSON formats compatible with standard accounting and business intelligence tools. Scheduled report delivery via email or webhook is available for PSPs with regular reporting workflows.

PSPs with existing platform infrastructure typically achieve full launch in 4–8 weeks. The timeline breaks down roughly as follows: account verification and partnership agreement (3–5 days), white-label branding configuration and merchant dashboard setup (1–2 weeks), platform API integration connecting SimplifyLabs merchant management to your existing PSP platform (2–4 weeks depending on your platform's architecture), and merchant onboarding flow testing (1 week). SimplifyLabs provides a dedicated integration engineer for PSP partners throughout the launch process. PSPs with simpler platform architectures or existing REST API integration experience often complete the full process in under four weeks.