DECTA Acquirer Processing services provide full implementation of the latest 3DS v2.2 protocol and compliance with the PSD2/SCA requirements.
DECTA payment products
3rd Party Payment Processing
Top tier technology platform for banks and financial institutions to run Mastercard / Visa / UPI payment card Issuing and Acquiring services
SLA: 99.99% uptime
High-availability payments infrastructure to ensure uninterrupted operation of your services 24/7/365
Multiple payment types
Wide range of payment scenarios to address complexities of various industries and business models
Mix of payment methods
Essential payment methods and services to help you meet the payment preferences of your customers worldwide
Faster service launch
Avoid unnecessary bureaucracy and delays, and break into the market with new payment methods and services
SLA: 99.99% uptime
High-availability payments infrastructure to ensure uninterrupted operation of your services 24/7/365
Payment processing API
Powerful processing capabilities and extensive control over transaction data flow with DECTA API
Secure authentication flow
Full 3DS payment authentication solution with customer-facing OOB and biometric authentication app
Card tokenization
Issuer tokenization services to ensure a variety of modern payment use cases, both online and in-store
Customer certainty as a way to profits
Secure omnichannel processing
DECTA Processing services for Acquirers give you a carte-blanche to accept and process every type of transaction
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Security, connectivity, control
In step with anti-fraud innovation
DECTA Processing services for Issuers include 3D-Secure payment authentication with OOB and biometrics to ensure an industry-leading level of security
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Solution spotlight
3D Secure payment authentication
- Mitigate fraud risk and add an extra layer of cardholder payment protection
- Apply SCA exemptions to improve payment acceptance, cardholder experience and reduce cart abandonment rate
- Enable merchants to set SCA threshold on low-risk transactions to minimize customer friction and drive conversions
3DS authenticator app with OOB and biometrics
DECTA 3D Secure payment authentication solution is a dedicated tool developed to support our Issuer Processing services.
It is designed to promote a more secure card processing flow by verifying cardholder identity online via out-of-band biometric authentication.
- More reliable customer ID verification with biometric 2-factor authentication
- Compliance with Mastercard and Visa requirements to prompt biometric cardholder authentication
- Easy in-app card and smartphone registration using DECTA API
Tokenized payments
DECTA tokenization services for Acquirers enable you to process tokenized payments from a variety of eWallets, including Apple Pay, Google Pay, Samsung Pay, Garmin Pay and more.
A modern must-have for both merchants and cardholders, tokenization ensures secure and convenient Acquirer processing flow in-store and online.
Point of sale:
- Contactless (NFC) payments using EMV cards, wearable payment devices, and popular mobile wallets
eCommerce:
- PCI DSS compliant customer data protection through processing of tokenized cardholder information
- Click-to-pay (Secure Remote Commerce) implementation
Card tokenization
DECTA Issuer tokenization services provide a flexible EMV payment tokenization for a variety of modern payment use cases.
PCI DSS compliant and certified by the world’s leading tokenization platforms (Mastercard MDES, Visa VTS), DECTA card tokenization services offer a safe way to the top of digital wallet.
- Protect sensitive cardholder data by replacing it with a secure payment token
- Enable safe and convenient payments both in-store and online: contactless (NFC) payments, eCommerce and in-app purchases
- Token provisioning flow allowing cardholders to add your card to your existing partner eWallets: Apple Pay, Google Pay, Samsung Pay, Garmin Pay and other digital wallets
Omnichannel
DECTA Acquirer processing services provide a solid foundation for establishing your omnichannel payment solutions.
Become the go-to payment service provider for your merchants by enabling them to develop payment scenarios that match their business model. Deliver seamless cardholder services across multiple sales channels and customer touchpoints.
- In-store point of sale (POS) systems
- Mobile wallets
- Vending machines
Card-present payments
- Multiple eCommerce payment methods
- One-click payments
- Pay-by-link
- Recurring payments
- and more
Card-not-present payments
Issuing API
DECTA Card Issuing API provides an easy-to-use platform for card lifecycle management and payment card processing.
Handle your Card Issuing programs with outstanding freedom, transparency and control. Access all the essential tools for payment card management within a single Issuing API integration.
- Order, activate and block cards
- Manage card information
- Administrate card authorization and transactions
- Transfer funds
- Control spending limits
- View card balance
- Card tokenization
- Assign and remind PIN
- PIN counter
- Detailed reporting
How to get started?
1
Sign up and set the requirements
- Register your interest: get in touch with us, either directly or by filling the application form. Let us know the basic details of your business and the type of solution you are looking to adopt.
- NOTE: This product is only available to Mastercard, Visa and UnionPay International Principal or Affiliate Members
2
Proposal and agreement
Your provided information will help us outline a technical solution, plan implementation steps, and estimate an implementation timeline. We will get back to you with an offer tailored to match your specific business requirements. Once the offer is accepted, we can continue with negotiating and signing the agreement.
3
Implementation and integration
- Depending on your preferred service package, the DECTA project implementation team will proceed with filling-in all the necessary forms, solution configuration and integrations.
- * All of DECTA project managers are internationally certified, have 5+ years experience in the Payments Industry, and are driven to deliver every project with exceptional quality and within the best possible time frame.
4
Go-live
As soon as the solution is implemented, tested and approved, it is ready for production Go-live.
Multiple payment types for Acquirers
3D Secure authentication for Issuers
To be the go-to Acquirer in your segment it is essential that you provide businesses and consumers with the most convenient ways to transact. DECTA Acquirer Processing offering enables a wide range of payment types helping Acquirer Banks and Fintechs to diversify and boost their merchant acquiring services.
Launched as an essential part of our Issuer Processing services, the DECTA 3D Secure payment authentication solution presents a comprehensive payment authentication toolset for Issuer Banks.
Multiple payment types
Stay up to date with the changes in market demand, and equip your acquiring solutions for a variety of payment scenarios.
Add value to your payment chain by enabling your existing and new customers with the types of payments suited for their specific business models.
- Mastercard MoneySend & Visa OCT
- MOTO
- Recurring billing
- One-click payments
- Pay-by-link
- Refunds & Reversals
- Dynamic Descriptor
- Airline Addendum
Features at glance
- Proprietary multi-factor payment authentication mobile app with rebrandable customer-facing GUI
- Out-of-band authentication flow with biometric authentication support
- Powerful modules and APIs for a payment authentication solution fully tailored to your business requirements
- Full compliance with the latest PSD2/SCA regulations and Payment Scheme requirements
Tailored payment authentication
DECTA 3D Secure authentication solution for Issuers is designed to support any type of licensed payments business at any level of your resource availability.
The service comprises a set of powerful modules and APIs:
- Secure ACS server with a customized OpenID Connect (OIDC) authentication plugin
- External authentication server
- OIDC authentication API
- Scoring API
- Enrollment API
- Rebrandable customer-facing mobile authentication app
Any type of transaction
Are you launching a new payment method? Looking to optimize your current payment processing flow? DECTA Acquirer Processing services offer all the tools necessary to process any type of transaction supported by the major payment networks.
Quickly. Securely. Reliably.
DECTA is a fully certified international payment card processor for Mastercard, Visa, UnionPay International, certified Third Party Processor, holder of ISO 9001 and ISO 27001 certificates. In combination with the most up-to-date payment infrastructure and our broad PayTech expertise, this ensures:
- Fail-proof transaction processing for in-store POS and eCommerce merchants
- 99.99% service uptime
- Secure operation at each step of the acquiring processing cycle
Cater to any industry
Use your unique Acquirer expertise to anticipate various customer interactions within your market segment. Adopt a combination of payment types and payment scenarios to tailor your acquiring services to your existing clients, as well as enjoy the freedom to onboard new business across multiple industries:
- Fintech
- PSPs
- Travel
- Mobility
- Delivery
- eCommerce
- Marketplace
- eWallets
- and more
Promoting security and compliance
Online fraud is growing both in volume and level of sophistication. This poses a continuing challenge for the Payments Industry to develop new, more effective fraud prevention solutions. The response is a number of regulatory norms passed internationally in an attempt to standardize and administer online payment security. An example of such regulation in the EU/UK is PSD2 with Strong Customer Authentication (SCA) requirements.
DECTA 3D Secure payment authentication solution helps Issuers to take control of both security and compliance.
- OOB and biometric authentication to effectively prevent the latest types of online fraud
- Full compliance with:
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- International online payment security regulations
- EMVCo 3DS protocol and 3DS-related ICO requirements
- Security specifications of Payment Schemes
4 types of implementation
The four types of implementation offer different combinations of the core modules and APIs to match a variety of business scenarios:
1. Full Issuing and payment authorization solution
1.1. Complete card Issuing service package with 3D Secure support
1.2. One service provider, single API integration point (DECTA API)
1.3. You are not required to have PCI DSS certification
2. 3D Secure authentication app with Enrollment API support
2.1. Suitable for Issuers using other in-house or 3rd party scoring API and card management systems
2.2. No need for additional integration with another 3rd party provider
2.3. You are not required to have PCI DSS certification
3. 3D Secure authentication app without Enrollment API
3.1. Recommended for Issuers with no scoring system of their own
3.2. Fraud prevention rules are managed by DECTA based on Payment Industry best practices
3.3. Quick and simple implementation with a single integration point (DECTA API)
3.4. You are not required to have PCI DSS certification
4. ACS services for existing authentication solutions
4.1. Applies to Issuers with a complete authentication solution, looking to integrate with a certified ACS service provider
4.2. You are required to be PCI DSS certified