Decta
Decta is a UK (outside the EU/EEA) fintech-infrastructure provider (Card issuing software, Issuer processing, BIN sponsor, Payment gateway). Verified at source - licence, regulator and registry reference. Active
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Who it's for
Decta is built for teams creating and controlling payment cards via API. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: EEA-wide card issuing passport.
Sovereignty profile
- Data residency (EEA): Partial - partly in the EEA - check the rail
- Company origin: UK (UK / Cyprus / Ireland)
- Ownership / control: no change of control on record
- Card scheme: US scheme - Visa / Mastercard / UnionPay (the elephant in the room)
- Card issuing reach (BIN): EEA; UK - Yes
What Decta does
Capabilities & rails
- Card products: Prepaid; Debit
- Settlement currencies: EUR; GBP; USD
Verified licence profile
Decta (UK; + Cyprus, Ireland) - card acquiring, issuer processing and BIN sponsorship; certified Visa/Mastercard/UnionPay processor. EMI, Central Bank of Cyprus (115.1.3.54) + Central Bank of Ireland + FCA (UK). 50+ settlement currencies.
Verified 2026-06-25. How we verify → · Official website: decta.com · Spotted something out of date? Report a correction.
Official register entries
- E-money institution (EMI) - Central Bank of Cyprus · Ref 115.1.3.54 · Active (EBA PSD2 register, as of 2026-09-18)
- E-money institution (EMI) - Central Bank of Ireland · Ref C491504 · Active (EBA PSD2 register, as of 2026-09-18)
- E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 900592 · Active (FCA Financial Services Register, as of 2026-09-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
European alternatives to Decta
Adyen EU core Bank Netherlands · EEA: YesShared: Payment gateway, Issuer processing, Card issuing software, BIN sponsor, Cards: Prepaid / Debit, Card form: Virtual / Physical
IT Card EU core PI Poland · EEA: YesShared: Issuer processing, BIN sponsor, Card issuing software, Payment gateway, Cards: Prepaid / Debit, Card form: Virtual / Physical
Enfuce EU core EMI Finland · EEA: YesShared: Card issuing software, BIN sponsor, Issuer processing, Cards: Prepaid / Debit, Card form: Virtual / Physical
Wallester EU core EMI Estonia · EEA: YesShared: Card issuing software, BIN sponsor, Issuer processing, Cards: Prepaid / Debit, Card form: Virtual / Physical
Walletto EU core EMI Lithuania · EEA: YesShared: BIN sponsor, Card issuing software, Issuer processing, Cards: Prepaid / Debit, Card form: Virtual / Physical
DiPocket EU core EMI Lithuania / UK · EEA: PartialShared: BIN sponsor, Card issuing software, Issuer processing, Cards: Prepaid / Debit, Card form: Virtual / Physical
FAQ
Is Decta European / EEA-based?
Partly. Decta is UK origin (UK / Cyprus / Ireland); part of its rail or data sits outside the EEA - check the licence profile.
What does Decta do?
Decta covers: Card issuing software, Issuer processing, BIN sponsor, Payment gateway. Verified at source by Fintechnologica.
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