Ibrahim Busari
Ibrahim Busari
Ibrahim is a fintech writer at AskWallet

DECTA — a global payment service provider

Being the principal member of Visa and Mastercard and a licensed financial institution, DECTA serves more than 2000 online merchants, banks and payment service providers across 32 countries.

5 min read 20.10.2021

What is DECTA?

DECTA is an EMI that focuses on providing flexible payment processes for businesses. DECTA is the ultimate payment processing platform with some of its services, including merchant acquiring services, white-label card issuing for fintech companies, and many more! The payment service has put together a combination of features to improve the financial dealings of growing businesses. 

As you can see, DECTA is a bastion in the payment gateway and technical processing niche. The payment service is available in over 32 countries and is being used by over 2000 customers at the moment of writing. The UK-based company prides itself on adapting to their customers' needs and giving them all the tools they need to succeed. 

Is DECTA a secure payment provider?

If you are familiar with fintech companies in the UK, you would know that the safest ones are considered to be registered and approved by the FCA (Financial Conduct Authority). So is DECTA; the company is authorised to act as an electronic money institution by the FCA (FRN: 900592). 

DECTA Services

DECTA Online Acquiring

DECTA provides online payment acquiring for both merchants and iPSPs. This account allows businesses and PSPs to accept Visa and Mastercard payments online for their eCommerce business

The product includes features such as recurring billing, MOTO(mail order and telephone order payments), multi-currency processing, powerful in-house API, fraud and risk management, chargeback processing and many more! Additionally, DECTA now provides various alternative payment methods such as PayPal, Apple Pay, Volt and many more. 
To see the complete list of features this product has to offer, click here.

DECTA White Label Payment Gateway

Choose a market-ready payment gateway under your own brand, which can be launched in a few weeks. Every aspect of DECTA White Label Payment Gateway can be configured to match the specifics of your business. DECTA provides the entire payment gateway solution with all the necessary customisation and integrations. They make sure their clients can run their business smoothly and handle any unexpected situations in due time. Thus, DECTA is dedicated to delivering complete technical maintenance and 24/7 support services. Moreover, DECTA White Label Payment Gateway can be integrated with any external system or service. This includes eCommerce platforms, custom payment scenarios, various API integrations and more.

DECTA White Label Card Issuing

The company offers financial institutions a White Label Card Issuing programme. This allows you to launch your own co-branded cards without having to worry about much. DECTA provides full package service starting from comprehensive API, registration of co-brand as a program manager at Mastercard, integration to the card management system into the customer's platform, and card personalisation and delivery to cardholders within the EEA. 

DECTA Third Party Processing

DECTA provides a secure platform for payment card processing for banks and financial institutions - Visa and Mastercard members. With the DECTA processing centre, you can easily manage daily authorisations and transactions and ensure a continuous payment life cycle. 

Pros & Cons

  • Accepting online payment and mobile payments
  • Secure end-to-end encryption
  • Processing of Mastercard and Visa cards
  • Tokenization
  • Customer support is available 24/7 via live chat and email
  • Do not accept merchants from non-EU countries
  • Do not provide settlement/bank accounts

Conclusion

Following a thorough examination of DECTA and the services it provides. Its target audiences can be indeed identified as online merchants, payment service providers, financial institutions and banks. The fintech firm has gone above and beyond to ensure that its services are among the best available.

DECTA appears to be the ideal payment infrastructure for merchants and enterprises, with its robust API and cost-effective payment processing in-house.
If you are a business or a financial institution searching for an all-in-one payment solution to make business payments or international transfers, you have come to the right place. Then DECTA might be an option to examine.

FAQ

How to get a card-issuing program for your fintech company?

To obtain a card-issuing program for your business, simply execute the instructions below:

  • Fill in the application on DECTA's website 
  • Choose the option "White Label Cards for Fintechs."
  • Fill in your company's data and your contact information
  • Click "Send" and await a message from the company.
If you don't get a reply from DECTA

Feel free to contact:

For general inquiries: info@decta.com; 

Sales inquiries: sales@decta.com.

How to open a merchant or PSP account to accept payments?

To open a merchant or PSP account to accept payments:

  • Go to DECTA's website
  • Click "Get Started" on the top right corner
  • Fill in your company's data and your contact information 
  • Then you have to fill in an application about your business
  • Click "send" and wait for confirmation
How to get a card-issuing program for your fintech company?

To obtain a card-issuing program for your business, simply execute the instructions below:

  • Fill in the application on DECTA's website 
  • Choose the option "White Label Cards for Fintechs."
  • Fill in your company's data and your contact information
  • Click "Send" and await a message from the company.
How to open a merchant or PSP account to accept payments?

To open a merchant or PSP account to accept payments:

  • Go to DECTA's website
  • Click "Get Started" on the top right corner
  • Fill in your company's data and your contact information 
  • Then you have to fill in an application about your business
  • Click "send" and wait for confirmation
If you don't get a reply from DECTA

Feel free to contact:

For general inquiries: info@decta.com; 

Sales inquiries: sales@decta.com.

Questions & answers

Ibrahim Busari

Is DECTA a secure payment provider? Would you please tell us how you ensure security for your customers?

Alekseys Kruglovs, Senior BDM

DECTA is a financially regulated institution, and all of the processes are compliant with all UK and EU regulations. We are certified under the highest PCI DSS Level 1 standard, and we are also following the latest PSD2 directive.

Ibrahim Busari

What is the idea behind DECTA?

Alekseys Kruglovs, Senior BDM

DECTA is to catalyse the evolution of the payment and fintech industry to make it more secure, reliable, user friendly and accessible.

Ibrahim Busari

What is the target audience for DECTA?

Alekseys Kruglovs, Senior BDM

DECTA targets online merchants from various sectors (EEA), Payment Service Providers (EEA), Gateway Service Providers (Worldwide), Visa/Mastercard acquirers and issuers (EEA and the Asia Pacific).

Ibrahim Busari

Are there any upcoming features or updates?

Alekseys Kruglovs, Senior BDM

Continuous support and integration to new alternative payment methods in Europe and Asia, POS and mPOS acquiring support, IBAN account issuing for merchants, gateway functionality developments and much more.

Ibrahim Busari

What makes DECTA a preferred payment solution for users? What is your unique selling proposition?

Alekseys Kruglovs, Senior BDM

DECTA is a group of companies offering a complete line of payment card issuing and acquiring services. DECTA provides the technological infrastructure for Visa/Mastercard members as a certified 3rd party processor offering the latest payment processing technology to Banks and Fintechs in Europe.

As a direct Visa/Mastercard Acquirer and Issuer, DECTA offers its merchants the best possible service level and optimised fees through complete control over each payment, starting with technical connection to Visa/Mastercard networks, technical payment processing, payment gateway and ending with funds settlement between Visa/Mastercard and the Merchant.
 

Ibrahim Busari

Name the top 3 killer features of DECTA?

Alekseys Kruglovs, Senior BDM

A whole stack of payment technologies and a single point of contact.

  • Principal membership of Visa and Mastercard for acquiring and issuing
  • Own processing centre 
  • Own Payment Gateway
  • Inhouse IT infrastructure
  • Plentitude of modern payment functions and alternative payment methods
  • Outstanding service up-time 99.98%
4.60 How do we count the overall star...
Visit DECTA
Ibrahim Busari
Ibrahim Busari
As a fintech writer at AskWallet, he uses his metaphorical pen to guide you through the world of EMIs. He has been working in the financial and iGaming industry since 2016.