Delivery model
- SDK.finance
- Source licence, self-hosted
- 7Konto
- Turnkey SaaS
- What it depends on
- Whether you want to operate it
Compare
Licence the source, or run a platform that exists
SDK.finance is a capable enterprise platform sold with a source code licence. That model suits organisations that want to own and operate the stack. If you want a closed-loop programme live this quarter, the trade is a different one.
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At a glance
- SDK.finance
- Source licence, enterprise deployment
- 7Konto
- Turnkey SaaS, operated by us
- Time to live
- 6–12+ months vs 3–5 business days
- Budget shape
- Capital project vs monthly plan
Updated
The question is not features, it is ownership
A source licence is bought by organisations that need to own the code: regulated institutions building a core, or businesses whose payment stack is the product they sell. For them, operating it is the point rather than the cost.
For everyone else, the licence buys an obligation. Somebody has to deploy it, certify the wallet integrations, keep it patched, run it at three in the morning and own the compliance position — and that team is usually more expensive than the licence.
Turnkey SaaS makes the opposite trade: you do not own the code, and you also do not staff a payments operations team. White-label covers the part most buyers actually wanted from ownership, which is that customers see their brand rather than ours.
- Owning the source matters most when the payment stack is the product being sold.
- Where it is a supporting capability, operating it is cost without differentiation.
- White-label gives the brand ownership without the operational one.
Side by side
The same decisions, priced differently.
Time to a live programme
- SDK.finance
- 6–12+ months
- 7Konto
- 3–5 business days
- What it depends on
- How soon it has to exist
Budget shape
- SDK.finance
- Capital project plus team
- 7Konto
- Monthly plan
- What it depends on
- How the spend is funded
Who operates it
- SDK.finance
- You
- 7Konto
- Us
- What it depends on
- Whether you have a payments ops team
Wallet certifications
- SDK.finance
- You obtain and renew
- 7Konto
- Held by us
- What it depends on
- Whether that is work you want
Customisation
- SDK.finance
- Unlimited, at the source
- 7Konto
- Configuration plus API
- What it depends on
- How unusual the programme is
Brand ownership
- SDK.finance
- Complete
- 7Konto
- White-label
- What it depends on
- Whether customers must see your name
Who each one suits
Choose the source licence
When the payment platform is the product you sell, or a regulator requires you to control the code.
Choose turnkey
When closed-loop is a capability your business needs rather than the business itself.
Prove it before you commit either way
A 30-day pilot costs nothing and answers questions no comparison table can.
Questions about this
What is a closed-loop payment platform?
It lets you issue and process payments inside your own ecosystem — gift cards, prepaid balances, employee accounts — without routing every transaction through Visa, Mastercard or a bank. The funds stay in your system, so the fees, the data and the customer experience are yours to set.
How is 7Konto different from PassKit or Badge?
Those are Wallet pass products: they distribute passes, they do not process payments. 7Konto is a closed-loop payment platform with a ledger, transaction processing, POS integration, an online checkout widget and PSP embedding. A card issued here carries a real balance that is charged in real time.
Is this the Starbucks model?
The same economics, without the app. Starbucks built a custom application customers had to install, and holds a very large prepaid float as a result. 7Konto delivers the closed-loop side of that through Apple Wallet and Google Wallet, so there is no app to develop and no install step to lose people at — and through PSP embedding it extends to a whole merchant portfolio rather than one brand.
Run a pilot before committing to a build
A free 30-day pilot, configured and supported by our team.