DECTA

About Company

DECTA is a global payment processing and financial technology company providing end-to-end digital payment solutions for online merchants, financial institutions, and enterprise businesses. As an official Principal Member of both Visa and Mastercard, DECTA delivers direct card acquiring, multi-currency processing, and tailored checkout solutions designed to streamline cross-border transactions and boost conversion rates.

Through its scalable API-driven architecture, DECTA enables merchants to accept payments in over 50 currencies, offer localized alternative payment methods (APMs), and ensure full compliance with European PSD2 SCA (Strong Customer Authentication) and 3D Secure 2 protocols. From direct payment gateway integration to risk management and payout automation, DECTA empowers cross-border sellers to expand globally without payment friction.

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Areas of Expertise

Merchant Acquiring & Payment Gateway

  • Provides direct Visa and Mastercard acquiring services with optimized authorization rates.

  • Delivers API-driven payment gateway integration for web, mobile, and custom e-commerce platforms.

  • Offers flexible checkout customization to reduce abandoned carts and boost overall conversion rates.

Cross-Border & Multi-Currency Settlement

  • Supports processing in over 50 currencies with localized settlement options.

  • Applies a transparent cross-border pricing model designed to optimize interchange and scheme fees.

  • Helps minimize FX risk and currency conversion costs for international merchants.

Alternative Payment Methods (APMs) & Digital Wallets

  • Integrates global digital wallets including Apple Pay and Google Pay.

  • Supports localized alternative payment methods (APMs) across European and international markets.

  • Enables single-integration access to diverse payment methods expected by local consumers.

3D Secure 2 & PSD2 Compliance

  • Delivers fully compliant 3D Secure v2 friction-free authentication workflows.

  • Supports Strong Customer Authentication (SCA) exemptions to improve checkout conversion rates.

  • Operates on a PCI DSS Level 1 certified security infrastructure.

Fraud Prevention & Risk Management

  • Provides automated risk screening engines and fraud detection tools.

  • Delivers chargeback management systems and dispute resolution support.

  • Conducts real-time transaction monitoring to protect merchant margins.

Ecosystem & Platform Integrations

  • Integrates with major e-commerce platforms including Magento, WooCommerce, Shopify, OpenCart, and custom H2H (Host-to-Host) APIs.

  • Operates as a Principal Member of Visa and Mastercard networks across global regions.

Payouts & Mass Disbursements

  • Enables global payouts to card accounts, bank accounts, and alternative financial channels.

  • Automates mass disbursement routines for marketplaces, gig platforms, and affiliate networks.

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