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White Label Payment Gateway - Flexible & Versatile Solution

White Label Payment Gateway

Empower your brand with our fully customizable White Label Payment Gateway. Handle your entire payment flow and ensure complete and transparent merchant management. Connect globally with popular payment methods, enable omnichannel experiences, and effortlessly scale your business.

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White-label, market-ready

Fully featured cloud-based payment gateway solution, ready for branding that’s completely in step with your corporate style

Popular payment methods

Choose from dozens of payment methods including Mastercard, Visa, PayPal, Apple Pay, and more

Enable omnichannel

Connect your payments using a combination of online and physical payment terminals into a single payment gateway

Go global

Complete freedom to integrate into a global payments ecosystem

No more blind spots in business operations

DECTA White Label Payment Gateway offers a universal toolkit to monitor and manage your payments

Apply today
Solution spotlight

Checkout Types

Incorporate various checkout types to work seamlessly across multiple devices, viewports, and payment engines. Our optimal payment gateway is designed for both custom-built mobile apps and template-based websites.

Increase your conversions and ensure a seamless service by integrating the DECTA payment gateway into any checkout format:

  • Full page checkout

  • iFrame

  • Direct Post

  • Direct API

Explore Payment Checkouts

Payment Methods

Expand your reach and streamline your global operations with a diverse range of payment methods.

Our out-of-the-box payment gateway solution facilitates rapid market entry and efficient scaling of payment workflows. It supports a comprehensive array of options including:

  •  Major payment networks: Mastercard, Visa

  • Open banking: Volt, Zimpler

  • Digital wallets: Apple Pay, PayPal, Alipay, WeChat Pay, Muchbetter

  • Connections to Acquirers: DECTA Limited, Novatti, Kiwi, Merchant Warrior, CreditPilot, WinPay

Explore Payment Methods

Flexible 3DS Handling

DECTA supports Flexible 3DS Handling, giving PSPs control over authentication processes. PSPs can choose between:

  • DECTA’s MPI Manual Mode – Handle 3DS communication without redirects or allow adaptive authentication based on BIN analysis.
  • Own MPI Integration – Send DECTA the raw 3DS result alongside raw card data, maintaining full control over the authentication flow.
  • Delegated Authentication – Offload the 3DS authentication process to DECTA while maintaining control over transaction flow, ensuring compliance without additional integration complexity.
Explore 3D Secure Solution

Payment Orchestration

Payment orchestration transforms how merchants manage transactions by seamlessly integrating multiple payment service providers (PSPs), acquirers, and payment methods through a single, unified platform. At its core, this intelligent system operates through two complementary mechanisms:

Payment Routing

Smart algorithms analyze each transaction in real-time to determine the optimal payment path based on critical factors including processing speed, transaction cost, risk profile, and regulatory compliance requirements. This intelligent routing between banking networks not only accelerates processing times but significantly reduces decline rates by dynamically selecting the most efficient pathway for each unique transaction.

Payment Cascading

When primary payment routes fail, cascading automatically redirects transactions to alternative providers, creating a reliable safety net for handling soft declines. This strategic sequencing of fallback options ensures successful payment processing without disrupting the customer experience.

COF Recurring Payments

DECTA Gate enables COF (Card-on-File) Recurring Payments, ensuring merchants and PSPs maintain full control over stored payment credentials. Unlike traditional gateways that enforce vendor lock-in by requiring proprietary tokenization, DECTA allows businesses to send raw card data with recurring flags. This ensures:

True S2S Connectivity

DECTA Gate enables True S2S Connectivity, allowing PSPs and orchestrators to integrate their own gateway infrastructure while leveraging DECTA's processing capabilities. Transactions processed through DECTA can be simultaneously transmitted to the PSP's gateway, ensuring seamless data synchronization across multiple payment environments. This approach supports greater flexibility and control for PSPs managing interconnected payment flows.

 

  • Full ownership of stored card details, allowing seamless migration or re-routing of transactions.
  • Flexibility in handling recurring billing across different payment acquirers.
  • Improved checkout experience, reducing customer friction in repeat transactions.

Our partnership with DECTA has thrived over the past three years, during which DECTA has consistently demonstrated their technical expertise. We are very pleased with the exceptional services they have provided and eagerly anticipate many more years of successful collaboration.

Hugo Remi,

Chief Executive Officer of CardAq

As a leading payments and services provider, we work closely with our partners to provide high-end solutions within a quick time frame. DECTA is a trustworthy partner that provides an advanced solution to meet our needs. Having a ready-made product with the latest technologies increases the speed of the launch. We are happy with our collaboration with DECTA and looking forward to working closely together on more projects.

Peter Cook,

CEO of Novatti

As a relatively young company, we are looking for solutions that are quick, effective, and offer an immediate advantage. The integration of DECTA Payment Gateway proved super-helpful in supporting our reputation as a reliable payment service provider, as well as helping coordinate our internal business processes.

Sören Jensen,

Director at ff24 Payments

Merchant Features

Explore the merchant features of our payment gateway, designed to streamline your transaction processes and enhance operational efficiency. This suite equips your business with advanced tools that simplify financial management and improve customer interactions, all while supporting your growth in a competitive marketplace.

Timeline

Efficiently manage all your payment information through a single, comprehensive dashboard. Our Timeline feature allows you to oversee payment and dispute statuses effortlessly. Utilize advanced filtering options and download detailed statements in various formats.

  • Track credit and debit payments in real-time.

  • Export data in formats tailored to your needs.

  • Access detailed transaction histories.

  • Personalize your information feed and notifications.

  • Preserve custom filters for streamlined operations.

  • Execute reversals and issue partial refunds with ease.

Invoices

Experience the convenience of two-click invoice payments, accessible globally. Craft and send invoices within minutes via email or SMS, ensuring rapid payment processing.
 

  • Achieve swift invoice payments with two-click functionality.
  • Utilize and modify templates for recurring client use.
  • Issue invoices across diverse currencies.
  • Automate client reminders to ensure timely payments.
  • Customize invoice numbers for enhanced tracking.
Solution Spotight

Subscriptions

Guarantee timely cash flow with our automated subscription management. Send scheduled invoices and collect payments consistently, without manual intervention.

  • Automate invoice scheduling and payment collection.

  • Facilitate refunds directly from your account with a single click.
     

  • Receive real-time notifications via API upon payment completions.

Team Accounts

Empower your teams with tools designed for enhanced sales and operational efficiency. Manage workloads and optimize processes with our robust team account features.

  • Test payment protocols in our secure sandbox environment.

  • Handle a variety of transactions including debit, credit, and recurring.

  • Configure checkouts via full-page, iframe, or direct post options.

  • Support transactions in over 50 currencies for global reach.

Analytics

Leverage detailed analytics to monitor vital business metrics. Our intuitive platform displays data through visually appealing graphs, charts, and tables, enhancing decision-making capabilities.

  • Grant tailored access permissions to analysts.
  • Customize filters and reporting periods for precise analytics.
  • Track performance across various dimensions.
  • Identify top-performing brands and terminals to optimize operations.

Onboarding and Integration

1

Sign up and set the requirements

Tell us about your business and what solution you’re looking to launch. Let us know what customisations you would like to see in the finished product.

2

Proposal and agreement

We will outline a technical solution and strategise implementation steps based on the information you have provided. We’ll get back to you with an offer tailored to match your needs.

3

Implementation and integration

Our technical team will progress the necessary development and integrations: connection to payment schemes, gate window and back office branding, merchant management tool configuration, etc.

4

Go-live

Everything is set and ready to go live. Depending on the specifics, we could have everything ready for a launch in just a few weeks .

Get an offer

Back Office And Partner Accounts

Industries

Our cloud-based payment gateway is versatile and adaptable, serving industries across the board and equipping businesses to tackle digital transformation challenges.

With its robust combination of online and card-present transaction processing, secure payment infrastructure, and advanced merchant management capabilities, our services provide a foundational support system for a variety of industries, including:

  • Fintech
  • eCommerce
  • Mobility
  • Delivery
  • Travel

Back Office

Our back office solution simplifies the onboarding and management of multiple businesses, addressing challenges that extend beyond mere payment processing.

This white-label system provides a centralized access point to all your sub-merchant data and account management tools, enabling:

  • Remote access of your client accounts
  • Update account statuses and permissions
  • View account turnovers and limits
  • Manage currencies

Partner Accounts

Manage partner accounts effectively with any type of financial institution, including Merchants, PSPs, ISOs, Agents, and Marketplaces.

Our white-label back office allows you to create and configure these accounts, set permissions, and oversee both data and payment flows. Equip your customers with the tools they need to seamlessly conduct their business by utilizing our comprehensive back office facilities.

For PSPs
  • Single integration for all sub-merchants
  • eWallet funding and purchase support
  • Centralized reporting
  • Single access point for all data
For Agents / ISOs / Marketplaces
  • Payment timeline for all merchants
  • Easy and accessible reporting
  • Advanced analytics
  • Share access with employees
FAQ

  • Your price includes an initial set-up cost 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.

     

  • DECTA White Label Payment Gateway is a fully hosted, cloud-based solution.

  • Typically, it takes six weeks from receiving project requirements to launching a finished solution.

     

    * The implementation period is subject to change based on business requirements and other project specifics.