DECTA Payment Gateway: Tailored for Global Businesses

What is DECTA?

DECTA is an FCA-licensed electronic money institution and PCI DSS Level 1 certified payment processor. A principal member of Visa, Mastercard, and UnionPay International, DECTA provides a full-stack payment infrastructure, acquiring, issuing, gateway, and processing, all built in-house. With a network covering over 27 countries, more than 2,000 enterprise clients, and processing more than $1 billion annually, DECTA is known for its reliability, flexibility, and scalability.

Core Capabilities at a Glance

1. White‑Label Payment Gateway

DECTA offers a cloud-based, fully white-label gateway solution. Businesses can customise the checkout experience through various options including full-page checkout, embedded iFrames, direct post, and Host‑to‑Host APIs. This allows complete control over branding and user experience.

2. Global Acquiring and Merchant Processing

As a certified acquirer, DECTA supports Mastercard, Visa, UnionPay, and other major card schemes. Merchants can accept payments in over 50 currencies, access tokenisation, refunds, recurring billing, and enjoy rapid settlement capabilities.

3. Issuing and BIN Sponsorship

DECTA is licensed to operate in the UK, Ireland, and Cyprus. It supports full card issuing solutions, BIN sponsorship, and white-label issuing programs for fintechs, banks, and PSPs.

4. Digital Banking Infrastructure

DECTA provides a full digital banking stack designed for fintech startups and challenger banks. Their solution includes APIs, real-time dashboards, and backend systems that support rapid scaling and compliance.

Integration Options and Checkout Features

Hosted Payment Page

DECTA’s hosted checkout page is optimised for desktop and mobile devices. It supports payments in more than 50 currencies and a wide variety of payment methods, including major cards, e-wallets like PayPal and Apple Pay, and open banking providers.

Embedded iFrame

Merchants can integrate an embeddable iFrame that keeps users on their website during the entire checkout process. This is ideal for maintaining brand consistency and providing a seamless experience.

Host‑to‑Host and Direct API

Advanced businesses can use DECTA’s REST/JSON APIs or Host‑to‑Host interfaces for custom integrations, giving full control over the payment flow and data handling.

Pre-Built E-commerce Plugins

For faster setup, DECTA offers ready-made modules for platforms like Magento, WooCommerce, OpenCart, and PrestaShop. Integration typically takes less than 10 minutes.

Security and Compliance

• Certified under PCI DSS Level 1 and ISO 27001 and ISO 9001

• Compliant with PSD2 and equipped with 3D Secure 2.2 for Strong Customer Authentication

• Built-in fraud detection tools

• Tokenisation and encryption of cardholder data

• Secure support for recurring and one-click payments using Card-on-File technologies

Supported Payment Methods

DECTA supports a wide range of payment methods, including:

• Credit and Debit Cards: Visa, Mastercard, UnionPay

• Digital Wallets: Apple Pay, PayPal, Alipay, WeChat Pay, MuchBetter

• Open Banking Providers: Volt, Zimpler

• Other Flows: Pay-by-link, MOTO transactions, recurring billing, one-click payments, and card payouts

Smart Routing and Payment Orchestration

DECTA enables intelligent routing and payment orchestration features such as:

• Optimised routing based on success rates, geography, and costs

• Cascading logic to retry transactions after soft declines

• Merchant-controlled tokenisation and routing of stored credentials

• Custom rules to prioritise low-cost or high-speed routes

These features ensure high authorisation rates and reduced friction for end users.

Back-Office and Partner Tools

DECTA’s merchant portal provides:

• Real-time dashboards for transaction monitoring

• Dispute and chargeback management

• Sub-merchant onboarding and management for PSPs

• Access control, user permissions, and currency-specific analytics

• Detailed reporting with exportable data sets

PSPs, ISOs, and marketplaces can manage large merchant portfolios via a unified back-office.

Developer Support and Documentation

DECTA is built for developers, offering:

• RESTful API documentation with example calls

• Full sandbox environment for testing

• Webhooks for real-time event notifications

• Host-to-Host guides and authentication flows

• Dedicated account managers and 24/7 technical support

These tools help businesses go live faster and maintain efficient operations.

Use Cases and Target Audiences

DECTA is ideal for:

• Fintech Platforms: Card issuing, digital banking APIs, BIN sponsorship

• Payment Service Providers and ISOs: Managing sub-merchants, routing logic, white-label solutions

• Online Retailers and Marketplaces: Secure and scalable checkout with global reach

• Travel and Booking Services: Multicurrency support, chargeback management, one-click checkout

• Subscription-Based Businesses: Recurring billing, flexible SCA, tokenised payments

Conclusion

DECTA delivers a powerful and modular solution that caters to the evolving needs of global businesses. Whether you’re launching a fintech app, scaling a PSP, or simply seeking a better checkout solution, DECTA combines robust technology, customisation, and compliance to deliver a payment experience that grows with your business.