Real-Time Processing

Every transaction is processed the moment it occurs. DECTA's switching engine handles authorisation requests, reversals, and clearing across card-present and card-not-present environments with no batch delays and no manual touchpoints. Both REST API and ISO 8583 financial authorisation switching are supported, with direct integrations to core banking systems for live balance linking.

DECTA's fraud engine evaluates transactions at the point of authorisation, applying your configured rules before an approval or decline is issued. Monitoring runs automatically around the clock, and each client's fraud strategy is built individually rather than applied as a blanket policy.

• Rule-based controls configurable at both authorisation and transaction level
• Automated case management with real-time flagging
• Automated 24/7 monitoring with no manual intervention required

DECTA's 3DS2 implementation performs strong customer authentication at the moment of transaction across eCommerce, in-app, and contactless in-store flows. SCA exemptions are applied dynamically on low-risk transactions to reduce friction without compromising security. Out-of-band biometric authentication is supported in full compliance with Mastercard mandate requirements.

The DECTA API gives issuers and acquirers real-time control over their payment programmes, with no scheduled processing windows or manual queues.

• Merchant and terminal IDs registered and configured instantly
• Cards ordered, activated, blocked, or tokenised on demand
• SMS and push notifications for OTP and authorisations delivered in real time