MMPA & White Labeling

How It Works

PapiPay operates as a Mobile Payment Processing Application (MPPA), enabling Mobile Payment Apps (MPAs) to connect with merchants and provide safe and compliant financial transactions. Our MPAs offer touchless and secure ACH, debit, and credit transactions at the pump and in store. By connecting through a single POS system, PapiPay’s MPPA provides solutions to merchants across multiple applications, including loyalty, financial, and existing merchant apps. PapiPay’s MPPA is a part of a white-labeling community that shares the consumers, stores, and cash rewards within the integrated app.

White Label

The PapiPay MPPA utilizes API standards for gas station and C-store systems connections. The MPPA and MPA solutions are designed to serve brick-and-mortar merchants across many industries, from gas stations, c-stores, QSRs, retail, and service-originated operations.

PapiPay’s white labeling allows merchants to brand the payment processor as their own while remaining secure in the knowledge that their clientele’s information is safe and protected. The White Label Admin Portal is a low-cost solution that provides merchants with the ability to build brand loyalty whether they are single-store or multi-store operators.

Multiple Payment

PapiPay MPPA and White Label Delivery Models


PapiPay MPA connected to PapiPay MPPA


Integrated MPA connected to PapiPay MPPA


White Labeled PapiPay MPA connected to PapiPay MPPA


Integrated App connected to PapiPay’s White Labeled Community


White Labeled PapiPay App connected to White Labeled PapiPay Community

The Ecosystem

Shared Community Defined:


  • Stores
  • Consumers
  • Cash rewards



  • PapiPay MPPA – PapiPay Microservices
  • Company White Label MPPA: Company-integrated app shared with the White Labeled Community
  • MPPA GDS – Master connector between company stores, app stores, and consumers that includes microservices
  • Velocity – Loyalty microservices
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