DECTA
DECTA is a European payment infrastructure company offering acquiring, card issuing, BIN sponsorship, white-label gateway, digital banking platform, and processing services to merchants, fintechs, banks, and PSPs via an API-first cloud platform under three EMI licenses.
- Company typePrivate
- Founded1983
- HeadquartersLondon, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What DECTA does
DECTA is a payment processing and infrastructure company headquartered in Riga, Latvia, with regional hubs in London, Nicosia, and Dublin, operating across three Electronic Money Institution licenses (UK FCA, Central Bank of Cyprus, Central Bank of Ireland) and Principal Visa membership. The company provides end-to-end payment infrastructure to merchants, fintechs, banks, and PSPs, spanning global payment acquiring, BIN sponsorship with white-label card issuing, white-label payment gateway, a cloud-based digital banking platform (ledger, accounts, payments, card issuing, FX, onboarding, AML), and both acquirer and issuer processing services with direct scheme connectivity via Mastercard Mastercom and Visa ROL.
The technical foundation is a cloud-based, API-first architecture with documented REST APIs, 99.99% uptime SLA, real-time multi-currency processing, payment orchestration across multiple acquirers, rule-based fraud and risk management, PCI DSS Level 1 / 3DS v2 / tokenization services certified by Mastercard MDES and Visa VTS (covering Apple Pay, Google Pay, Samsung Pay, Garmin Pay), and pre-integrations with KYC, e-signature, general ledger, and crypto infrastructure partners. The company claims 20+ years of industry experience, 2,000+ combined customers and partners, and 1B+ transactions processed annually.
Revenue is generated through four streams: transaction and processing fees (primary), per-card/per-transaction BIN sponsorship fees, white-label licensing of the gateway, digital banking platform, and card issuing solutions, and recurring platform/SaaS fees. Distribution combines direct enterprise sales with dedicated account management, a worldwide Partner Programme for resellers and integrators, white-label OEM distribution, and event-driven demand generation (notably the November 2025 Fintech Fast Track Program launched in APAC at the Singapore FinTech Festival). Pricing is quote-based on transaction volume and is not publicly disclosed, with multi-year contract structures typical for enterprise clients.
DECTA firmographics
Firmographics- Name
- DECTA
- Legal name
- DECTA Limited
- Website
- https://decta.com
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- DECTA is a European payment infrastructure company offering acquiring, card issuing, BIN sponsorship, white-label gateway, digital banking platform, and processing services to merchants, fintechs, banks, and PSPs via an API-first cloud platform under three EMI licenses.
- Ownership category
- akta.pro rank
DECTA industry classification
Industry- Product category
- Payment Processing Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199), Services-Computer Processing & Data Preparation (7374)
- akta.pro primary industry
- Payment Processing & Acquiring Infrastructure (FSAGABAC)
- akta.pro secondary industries
- Payment Reconciliation, Reporting & Settlement Infrastructure (FSAGABAH), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB)
Keywords
Where DECTA is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
DECTA business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Transaction/Processing Fees: DECTA charges transaction fees for payment processing, acquiring, and issuing services. This is the primary revenue stream based on transaction volume processed through the platform.
- BIN Sponsorship Fees: Fees charged for BIN sponsorship services, typically per-transaction or per-card, enabling fintechs to launch card programs under DECTA's principal membership
- White-Label Licensing: Revenue from white-label payment gateway, digital banking platform, and card issuing solutions licensed to fintechs and banks
- Platform/SaaS Fees: Subscription-based fees for access to DECTA's cloud-based processing platform, merchant management tools, and reporting/analytics
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Custom enterprise pricing based on transaction volume and services required |
| Hybrid | Multi-year contract | Fintech Fast Track Program offers financial incentives and integration support for APAC expansion |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
DECTA product offering
Product offeringCore offering
DECTA is a full-stack payment infrastructure provider offering cloud-based processing, payment acquiring, card issuing, BIN sponsorship, and a white-label digital banking platform for merchants, fintechs, and banks. The company enables businesses to accept and process payments globally across online, in-app, and in-store channels, and to launch branded card programs and neobanks without obtaining direct scheme principal membership.
Product overview
DECTA is a full-stack payment infrastructure company offering a platform-plus-modules architecture. The core product suite includes Payment Acquiring for global card acceptance, White Label Payment Gateway for customizable processing, Digital Banking Platform for neobank launches, Acquirer Processing and Issuer Processing for technical payment services, and BIN Sponsorship for card program access. Solutions layer includes Payment Orchestration for multi-acquirer routing, Tokenization Solutions certified by Mastercard MDES and Visa VTS, 3D Secure v2 implementation, Cross-Border Payment Infrastructure, and various integration options (eCommerce, POS, Omnichannel, Host-to-Host). Built-in features include Multi-Currency Processing, Real-Time Processing, Fraud & Risk Management Engine, PCI DSS Level 1 compliance, and Advanced Reporting & Analytics. The platform supports Visa, Mastercard, and UnionPay with EMI licenses in the UK, Cyprus, and Ireland.
Differentiator
Problem solved
Functional benefit
Products and services
- Payment Acquiring Global payment acquiring solution enabling merchants to accept card payments online, in-app, and in-store with cross-border capabilities.
- BIN Sponsorship & White Label Card Issuing Combined BIN sponsorship and white-label card issuing solution allowing fintechs and banks to launch branded card programs under DECTA's BIN range without pursuing direct principal membership.
- White Label Payment Gateway Customizable payment gateway solution that allows businesses to rebrand and white-label DECTA's processing infrastructure under their own brand identity.
- Digital Banking Platform Cloud-based digital banking platform enabling neobanks and fintechs to launch with pre-built infrastructure including ledger, accounts, payments, card issuing, FX, onboarding, and AML compliance.
- Acquirer Processing Technical payment processing service for acquirers covering authorization, clearing file handling, and chargeback processing with Mastercom API and Visa ROL connectivity.
- Issuer Processing Card issuing processing solution covering authorization switching, card lifecycle management, 3D Secure authentication, clearing and settlement, and API-based card and account management.
- Payment Orchestration Intelligent payment routing across multiple acquirers to optimize authorization rates, enable failover, and manage transaction volume distribution.
- DECTA SECURE Application 3DS solution app for Strong Customer Authentication (SCA) that can be installed on Android and iOS devices to authenticate online purchases.
- Fintech Fast Track Program Program offering financial incentives, comprehensive integration support, and access to DECTA's global partner network to accelerate fintech product launches in APAC.
Quantifiable outcome
- 99.99% uptime SLA for payment processing
- +1 more outcomes
Companies that use DECTA
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
DECTA technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature11 records
DECTA partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- FinTech Roadmap ConferenceminorDECTA participates as a speaker at the FinTech Roadmap conference organized by Czech WealthTech Association at the Czech National Bank Congress Centre. The conference covers financial technology innovation, business models, international expansion, and EU regulatory developments.
- Singapore FinTech FestivalcoreDECTA launched its 'Fintech Fast Track Program' in the Asia-Pacific region at the Singapore FinTech Festival 2025. The programme offers financial incentives, comprehensive integration support, and access to DECTA's global partner network to accelerate fintech product launches in APAC.
- Tempo FrancecoreTempo France uses DECTA's digital banking platform for B2B cross-border payment services. DECTA provides accounts, compliance, FX, settlement, and reporting while Tempo builds its own crypto-specific logic and wallet validation. This is a reference customer and technology partnership for crypto-friendly banking.
- KYC, E-signature, Card Scheme, General Ledger, and Crypto Infrastructure PartnerscoreDECTA's digital banking platform is pre-integrated with KYC providers, e-signature platforms, card schemes (Visa, Mastercard, UnionPay), general ledger systems, and crypto infrastructure partners to provide comprehensive fintech infrastructure out of the box.
- Mastercard (Mastercom API)coreDECTA's acquirer processing connects to Mastercard's Mastercom API for chargeback dispute management, enabling direct submission and management of dispute cases through Mastercard's scheme portal.
- Visa (Visa ROL)coreDECTA's acquirer processing connects to Visa Resolve Online (ROL) for chargeback dispute management, enabling direct submission and management of dispute cases through Visa's scheme portal.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
DECTA competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
DECTA social profiles
Digital presenceDECTA compliance and trust
Trust signalCompliance5 records
DECTA financial estimates
Financial estimateRevenue estimate
Valuation estimate
DECTA leadership team
Management profileNumber of profiles
Profiles2 records
DECTA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DECTA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about DECTA
What does DECTA do?
DECTA is a full-stack payment infrastructure provider offering cloud-based processing, payment acquiring, card issuing, BIN sponsorship, and a white-label digital banking platform for merchants, fintechs, and banks. The company enables businesses to accept and process payments globally across online, in-app, and in-store channels, and to launch branded card programs and neobanks without obtaining direct scheme principal membership.
Is DECTA a public or private company?
DECTA is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was DECTA founded?
DECTA was founded in 1983. It employs 101 to 250 people.
Where is DECTA based?
DECTA is headquartered in London, United Kingdom, in the Europe region.
How does DECTA make money?
Four revenue lines are on record. Transaction/Processing Fees are the primary driver. The others are BIN Sponsorship Fees, white-Label Licensing and platform/SaaS Fees.
Does DECTA have an API?
Yes. DECTA offers extensive API functionalities with comprehensive, user-friendly documentation. Their powerful APIs enable smooth integration for tailoring payment systems to exact business needs. The proprietary API supports various integration options for merchants, fintechs, and banks including payment acquiring, card issuing, and processing services. Developer documentation is at www.decta.com/company/decta-documentation.
What industry is DECTA in?
DECTA's product category is Payment Processing Infrastructure. Its primary akta.pro industry code is FSAGABAC, Payment Processing & Acquiring Infrastructure, with a secondary code of FSAGABAH, Payment Reconciliation, Reporting & Settlement Infrastructure. Its NAICS code is 52232 and its SIC code is 6199.