How DECTA White-Label Payment Gateway Simplifies PSP Integration
Payment Service Providers (PSPs) are finding themselves with nowhere to turn in an oversaturated payment market. Attempting to create one's own payment infrastructure isn't the answer. Yet working with a third-party payment gateway can also become complicated when trying to reach a new market or expand upon established capabilities.
April 07, 2025
DECTA White-Label Payment Gateway solves this problem by offering a ready-to-market solution that avoids integration complexity and puts PSPs on the express lane to revenue. This article explains how the DECTA gateway solution simplifies the PSP integration process and provides access to global payment methods and advanced processing capabilities without lengthy development cycles—all under your brand.
DECTA White-Label Payment Gateway: Core Features & Benefits
The DECTA White-Label Payment Gateway provides everything an existing PSP (Payment Service Provider) needs to launch without the time and money to build a full-scale payment infrastructure from scratch.
Fast implementation: Live in two months instead of the typical 6-12 month development cycles.
Complete branding: Your branding and URL for a seamless experience for your merchants.
Cloud-based reliability: 99.99% uptime with scalability as transaction volumes grow.
Robust merchant tools: One of the most robust sets of management applications from onboarding to reporting.
Global payments coverage: Gain access to all major networks (Mastercard, Visa), digital wallets (Apple Pay, PayPal) and multiple acquirers with proper approval.
Ideal for ISOs (Independent Sales Organizations), PSPs or anyone servicing merchants directly needing their own ready-to-market solution, all solutions are PCI DSS compliant and have ongoing support for changing security standards.
PSPs share the ability to have a multi-tier account structure, which means you can control your entire merchant portfolio from one back office without needing to establish separate entities for branding hierarchies and reporting hierarchies. Your operation can expand and remain centralized.
Technical Integration Options for PSPs
Integration with PSPs (Payment Service Providers) is a seamless process with DECTA's payment gateway through various connectivity options:
Quick connection framework: Connecting to payment processors takes days instead of months, and detailed technical paperwork is not required.
Dual-processing capability: Continue using the gateway infrastructure you have now but add DECTA processing capabilities. Transaction flow occurs on both sides simultaneously, which means full migration does not have to happen.
E-commerce solutions: Integrating with many common e-commerce solutions is already pre-built, so there is no dev time needed for standard implementations.
Checkout options: Developers do not have to build code for different merchant-facing payment pages (full page, embedded frames, direct connection) because DECTA has several out of the box.
Single integration: The same integration works with in-store transactions and online transactions, which minimizes technical architecture.
Integration occurs from a commercial, not a technological standpoint. There is one integration for many merchants under one account, which is allowed by the PSPs, automatically creating and configuring the accounts.
A comprehensive testing environment enables all to be validated before production, reducing mistakes in processing and allowing for simultaneous development.
Global Payment Methods & Acquirer Connections
DECTA's White-Label Payment Gateway provides you with immediate access to global payment capabilities without the hassle of negotiating and integrating each provider independently:
Major card networks: Directly process credit cards, debit cards, and commercial cards with Mastercard and Visa.
Digital wallet integrations: Apple Pay, PayPal, Alipay, WeChat Pay and MuchBetter interfaces are out-of-the-box, requiring no additional agreements.
Alternative payment options: Open banking services powered by Volt and Zimpler allow you to accept payments beyond cards.
Acquirer connections: Seamlessly integrated interfaces with DECTA Limited, Novatti, Kiwi, Merchant Warrior, CreditPilot and WinPay provide a range of payment processing providers.
This solution enables PSPs to quickly and easily enter new markets without having to go through prolonged integration efforts in various areas. Your merchants have simple access to what buyers want and need, increasing conversion rates and satisfaction.
The payment ecosystem supports emerging payment solutions as they're developed so that yours is always current without the need for extra development resources on your end. All payment solutions function using one unified reporting and reconciliation system, simplifying any financial worries.
In addition, if you are a merchant who sells internationally, your access to more than 50+ currencies and regional payment preferences helps you meet your customer's needs while still managing everything from a single platform.
Advanced Payment Processing Capabilities
Where other gateways require extensive development, DECTA's gateway infrastructure can offer the following:
Flexible 3D Secure handling: Choose from three implementation options: a) DECTA's MPI Manual Mode for controlling authentication without redirects; b) Your own MPI integration for maintaining full authentication control; c) Delegated authentication to DECTA while keeping transaction flow control
Payment orchestration: Up front transaction routing based on processing speed, cost optimization, and overall risk profile. If the primary processing channel fails, cascading redirects occurs automatically to secondary providers without the customer knowing any different.
COF (Card-on-File) recurring payments: Merchants can take control when it comes to payment credential storage—the issue with gateways is vendor lock-in because they tokenize the information themselves. Raw card data can be directed to DECTA with recurring flags—merchants have the rights to the credential under any circumstance so re-routing is effortless, and portability is easy.
S2S (Server-to-Server) connectivity: Your gateway connects to DECTA's gateway infrastructure. Transactions occur simultaneously within both systems with data synched within both payment environments.
Tokenization solutions: Replace sensitive card information with secure tokens for contactless payments, eCommerce purchases, or in-app transactions—all PCI DSS requirements compliant.
Such options guarantee that PSPs enjoy control and personalization without the need to overtly expend development efforts. Everything else is handled by the payment processing solution on the backend—authorization switching, fraud management, clearing, and settlements—allowing you to focus on merchant relations and growing your business.
Checkout Types & Payment Scenarios
With no Dev Needed on the Merchant Side, PSP can benefit from multiple merchant needs due to DECTA's gateway being device and viewport responsiveness supporting multiple checkout formats and payment scenarios:
Checkout formats that drive higher conversions:
Full page checkout—own the entire experience on your branded page
iFrame implementation—put it on your site, no branding difference
Direct Post—follow your payment process
Direct API—no front-end involvement required
Payment types that can be processed:
One-click payments—easy access to returning customers
Payments by link/invoicing—remote payment ability
MOTO (Mail Order/Telephone Order)—only for sales processed via the phone
Recurring billing/subscription billing—only for subscription-based businesses
Ability to manage all transaction lifecycle management:
Purchase Authorization
Refunds/reversals
Dynamic descriptors
Airline addendum data
Furthermore, because it is device and viewport responsiveness, it's great for mobile app compatibility as well as all web browsers whether a merchant designs their own site or buys a template. Thus any PSP can accommodate any merchant from e-commerce to fintech to travel to food delivery.
All payment methods utilize the same standardized implementation patterns, so developers do not have to relearn, and merchant onboarding gets up and running more quickly. In addition, payment scenario troubleshooting is more accessible across payment methods since all have the same general structure.
Centralized back office: Access all sub-merchant data and account management from one place. Easily access clients' accounts from behind the scenes, change status/permissions, see turnover metrics, and manage currency management.
Timeline feature: Payment tracking houses all payments in one portal—payment completion status, dispute statuses, etc.—with advanced filtering and statement downloads for reporting. Partial refunds? Reversals? A matter of seconds and clicks.
Partner account structure: A partner is a Merchant, PSP, ISO (Independent Sales Organization), Agent, or Marketplace; basically, any financial institution type that makes up the transaction/fulfilment process. Each has a unique structure with custom permissions and views of data. Proper account hierarchies make this easy to navigate.
Role-based access: Access levels and team management invitations can be made for proper efficiency and safety; merchants can access the sandbox environment when rendering their payment functionalities live before going active.
Invoicing tools: Enable international two-click invoice payments. Create and send recurring invoices via email or SMS in minutes, with invoicing templates for repeat clients saving time and multi-currency invoicing.
Subscription management: Enables automatic payment collection automation. Merchants can schedule invoices to go out and payments to be received without customer engagement. An API notification also lets merchants know when a transaction is completed, in real time.
Analytics dashboard: Lets merchants understand important business metrics that assess growth through graphs, tables, and projections. Access can be permissioned, the ability to reporting filters provides more complex reporting, and brand and terminal performance are better assessed for learned best practices.
These features offer an immediate enhancement of operations for PSPs and their merchants as they don't have to establish a separate management system on their own.
Conclusion
All PSPs (Payment Service Providers) need to enter the world of payment processing in no time, and with successful implementation is the White-Label Payment Gateway from DECTA. The benefits include:
Rapid market entry: Get a branded payment gateway up and running in 2 months—building the gateway from scratch takes 6-12 months.
Complete payment ecosystem: A single integration provides access to all major card networks, digital wallets, and alternative payment methods.
Flexible technical architecture: PSPs can integrate however they choose based on business models and strategies while maintaining ownership of the merchant relationships.
Advanced processing capabilities: Devote no time to developing features that can be offered to customers like payment orchestration, 3D Secure, and tokenization.
Comprehensive merchant tools: Provide your merchants with everything they need to be satisfied with payment processing management features and retained.
Scalable infrastructure: Growth is effortless on the processor side as transaction volumes and merchant portfolios increase; the architecture handles it all with no problem.
PSPs can keep their own brand identity throughout the transaction experience with the benefit of DECTA's technical infrastructure and acquiring relationships thanks to the product being white-labelled.
DECTA's gateway lessens technological obstacles and aids in expediting time-to-revenue for payment service providers seeking to augment existing offerings or access untapped verticals. The solution is flexible enough to accommodate any partner structures, whether with merchants or the PSP's own merchants.
Contact DECTA for a tailored assessment to determine how DECTA's White-Label Payment Gateway can accommodate your specific business needs.
