Decta

What is DECTA and what do they do?

DECTA is a global payment processing and digital banking solutions provider that serves merchants, banks, and payment service providers worldwide. Founded in 2015 and headquartered in Riga, Latvia, the company combines deep fintech expertise with scalable technology to deliver a wide range of payment and issuing solutions.

DECTA operates as a Principal Member of Visa and Mastercard, offering end-to-end services including payment acquiring, white-label card issuing, BIN sponsorship, and digital banking infrastructure. Its unified platform supports multi-currency processing, recurring billing, and white-label payment gateways, enabling businesses to launch or expand their financial operations quickly and securely.

Through its robust infrastructure and API-driven architecture, DECTA empowers companies to accept and process card payments, issue branded payment cards, and integrate advanced financial technologies into their platforms. The company’s solutions are designed to help businesses scale globally while maintaining compliance and operational efficiency.

Who is it for?

DECTA’s solutions are designed for a broad spectrum of financial and commercial enterprises, including:

• Merchants and e-commerce businesses seeking seamless global payment acceptance.
• Banks and financial institutions looking to expand their acquiring or issuing capabilities.
• Payment service providers (PSPs) and fintechs in need of scalable infrastructure or white-label solutions.

Its flexible architecture and multi-currency support make DECTA particularly valuable for online retailers, subscription platforms, and cross-border businesses that require reliable, high-volume transaction processing.

Why do businesses choose DECTA?

Businesses choose DECTA for its proven reliability, security, and adaptability across a wide range of payment and issuing use cases. The key benefits include:

• Comprehensive fintech ecosystem: A single platform covering acquiring, issuing, BIN sponsorship, and digital banking.
• High reliability and uptime: Infrastructure with 99.99% availability, ensuring uninterrupted transaction processing.
• Regulatory credibility: Fully licensed by the UK Financial Conduct Authority (FCA) and compliant with European e-money regulations.
• Customisation and scalability: Modular solutions and white-label options tailored to specific business needs.
• Multi-currency and recurring billing: Supports international transactions, subscriptions, and flexible payment flows.
• Certified security standards: Adheres to PCI DSS, ISO 27001, and ISO 9001:2015 certifications, ensuring data integrity and protection.

Businesses using Corefy can link their DECTA MID directly to Corefy’s dashboard, activating unified routing, cascading, and reporting in just a few clicks—without additional development work.

Is DECTA trustworthy?

DECTA is widely recognised as a reputable and compliant payment provider within the fintech industry. As a Principal Member of Visa and Mastercard and a certified UnionPay International processor, the company adheres to strict global standards for security and operational excellence.

It operates under FCA supervision as an Authorised Electronic Money Institution, demonstrating a strong regulatory foundation and financial transparency. Its PCI DSS and ISO certifications confirm that all cardholder and transaction data are processed under stringent security protocols.

Serving thousands of clients worldwide, DECTA’s reputation for reliability, innovation, and compliance positions it as a trusted partner for businesses and financial institutions seeking a robust, secure, and scalable payments infrastructure.