DECTA payment products

Processing Services for

Top tier technology platform for banks and financial institutions running Mastercard/Visa Acquiring and Issuing programmes

SLA: 99.99% uptime

High-availability payments infrastructure ensures uninterrupted operation of your services 24/7/365

Acquiring API

Convenient data and account management, automated round-the-clock onboarding, business-friendly API documentation portal

Unlimited personalisation

Want to go beyond the standard solution? We can adjust our service to your specifications in a matter of weeks

Faster service launch

Skip unnecessary bureaucracy and delays. We can fast track your market entry so you’re ready in as little as just 2 months

SLA: 99.99% uptime

High-availability payments infrastructure to ensure uninterrupted operation of your services 24/7/365

Issuing API

Automate and control every step in the card issuing workflow, explore our friendly API portal for insights and how-to guides

Standalone 3DS solution

Complete 3D Secure payment authentication tool with customer-facing OOB and biometric authentication app

Card tokenization

PCI DSS compliant EMV payment tokenization to enable innovative services and use cases on any payment-enabled device

Customer confidence means sales and profits

Secure omnichannel processing

Give your customers total payment confidence by accepting and processing every type of transaction securely and reliably with DECTA Acquirer Processing services

Apply today
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 security level

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Solution spotlight

3D Secure payment authentication

You can be confident that your payments are being processed in accordance with the latest 3DS v2.2 protocol and PSD2/SCA requirements.

  • Mitigate fraud risk and add an extra layer of cardholder payment protection
  • Improve payment acceptance, cardholder experience and reduce cart abandonment rate with SCA exemptions
  • Enable merchants to set SCA thresholds on low-risk transactions to minimise customer friction and maximise conversions

One-Stop issuer processing solution

Complete issuer processing services, from easy integration with any card management system to card manufacturing and delivery to cardholders.

  • In-house fraud and risk management
  • Standalone 3DS solution including secure ACS infrastructure and an authentication app with OOB and biometrics (available from AppStore and Google Play)
  • Regular and on-demand reporting

Tokenized payments

Process tokenized payments from popular eWallets, including Apple Pay, Google Pay, Samsung Pay, Garmin Pay and more.

Tokenization ensures a secure and convenient payment flow in-store and online, making it essential  technology for merchants and cardholders.

Point of sale:
  • Contactless (NFC) payments using EMV cards, wearable payment devices, and popular mobile wallets
  • PCI DSS compliant customer data protection through processing of tokenized cardholder information
  • Click-to-pay (Secure Remote Commerce) implementation

Card tokenization

Flexible EMV tokenization enables new payment services and modern use cases on any payment-enabled device.

PCI DSS compliant and certified by the world’s leading tokenization platforms (Mastercard MDES, Visa VTS), our card tokenization services mean digital wallet transaction are always safe and secure.

  • Protect sensitive cardholder data by replacing it with a secure payment token
  • Enable secure and convenient payments in-store and online: contactless (NFC) payments, eCommerce and in-app purchases
  • Token provisioning flow allows cardholders to add your card to partner eWallets: Apple Pay, Google Pay, Samsung Pay, Garmin Pay and other digital wallets

DECTA acquiring API

Create and configure your entire payment acceptance infrastructure with the DECTA API. Tailor our acquirer processing services to your unique business needs and operational goals.

  • Automated 24/7 onboarding
  • Effective and transparent management of merchant and terminal IDs, legal entities, and rate plans
  • Legal entity management

Issuing API

An easy-to use platform for card lifecycle management and payment card processing.

Achieve transparency and control for your card issuing programs with the DECTA Card Issuing API.

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

We have made it with an original design and an emphasis on transaction security and customer data protection

Alexander Peshkov,

Co-owner and Chairman of the Board at Bilderlings

Novatti has been methodically building this new Visa issuing business as part of its strategic plan to become a banking services provider. Partnering with DECTA, a trusted, innovative technology-driven processor, enables Novatti to launch this exciting new business and provide flexible and secure new products to consumers, particularly when there is an increased need during the COVID-19 crisis

Peter Cook,

Managing Director at Novatti

We would like to take this opportunity to thank DECTA team for your intensive work during the implementation process. We valued clear implementation timelines, rational and supportive attitude a lot. The solution enabled CENTIZU to deliver great results - at this point in time, there are more than 25 000 cards in circulation, and more to come. We believe that we will be able to run many interesting programs together, not only in Czech Republic

David Tacl,

CEO at Prepaid Solutions

How to get started?


Sign up and set the requirements

  • Get in touch with us, either directly or by completing our application form. Tell us a little about your business and the solution you’re looking for.
  • NOTE: This product is only available to Mastercard, Visa and UnionPay International Principal or Affiliate Members

Proposal and agreement

  • From your information, we will propose a technical solution, plan implementation steps, and estimate a timeline for you.

Implementation and integration

  • Our implementation team will complete all the necessary forms, solution configuration and integrations.
  • *All DECTA project managers are internationally certified, have 5+ years’ experience in the Payments Industry, and will deliver every project with exceptional quality and within the best possible time frame.


  • As soon as the solution is implemented, tested and approved, you are ready for launch.
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Multiple payment types for acquirers

3D Secure authentication for issuers

To be the go-to acquirer in your market, it is essential to provide business and consumers the most convenient ways to transact. Our acquirer processing service enables a wide range of payment types, helping acquirer banks and fintechs diversity and boost their merchant acquiring service.

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 market changes and offer acquiring solutions that include latest payment options and enable new 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 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 optimise your current payment processing flow? Process any type of transaction supported by major payments networks with DECTA acquirer processing services.

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 sector and segment expertise to anticipate customer interactions. Combine payment types and services to deliver payment solutions that are tailored to your clients’ needs.

Onboard new business customers from across a vast range of 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:
    • 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
  • Complete card Issuing service package with 3D Secure;
  • One service provider, single API integration point (DECTA API);
  • You are not required to have PCI DSS certification
2 3D Secure authentication app with Enrollment API support
  • Suitable for Issuers using other in-house or 3rd party scoring API and card management systems;
  • No need for additional integration with another 3rd party provider;
  • You are not required to have PCI DSS certification;
3 3D Secure authentication app without Enrollment API
  • Recommended for Issuers with no scoring system of their own
  • Fraud prevention rules based on Payment Industry best practices;
  • Quick and simple implementation with a single integration point (DECTA API)
4 ACS services for existing authentication solutions
  • Applies to Issuers with a complete authentication solution, looking to integrate with a certified ACS service provider
  • You are required to be PCI DSS certified


  • Launch your payment processing solution in just four steps with DECTA: 1. Sign up and submit your requirements; 2. DECTA develops an implementation plan and prepares the service agreement; 3. DECTA takes care of integration and set-up, including related paperwork; 4. Your solution is ready to go live.


  • The price includes initial set-up and a recurring monthly maintenance fee. 

    * The set-up cost is calculated individually for each project and depends on your business requirements and the scope of technical work involved.


  • Yes. Quarterly business reporting is provided free-of-charge.

  • DECTA 3rd Party Payment Processing is a fully hosted, Cloud-based solution.

    • Major payment schemes: Mastercard, Visa, UnionPay International
    • Most conventional digital wallets: Apple Pay, Samsung Pay, Google Pay, Paypal, etc.
    • Open banking solutions: Zimpler, Volt
  • 99.99% uptime.

  • Yes. Complete Acquiring and Issuing implementation is available via DECTA open API. 


    *Please visit our documentation portal at for full information.

  • All processed data is stored internally on a DECTA SFTP server.

  • DECTA Mastercard, Visa, and UnionPay International certified TPP services are available in the EEA and APAC regions.

  • Yes. You need to be a licensed financial institution and a member of Mastercard, Visa, or UnionPay International in order to use the DECTA TPP services.

  • This depends on the terms and conditions of a payment network. For example, Mastercard allows 15, and Visa allows 35 chargebacks per card.

  • EUR, GBP, USD and 50+ other international currencies.

  • Yes. DECTA TPP services support a variety of payment channels, including eCommerce, in-store POS, soft POS/mPOS, and vending machines.


  • DECTA TPP services are fully compliant with the latest 3DS v2 protocol. We have our own 3DS payment authentication solution with out-of-band and biometric authentication.