7 Decta Alternatives to Consider in 2026

Disclosure: This commercial comparison is published by Akurateco. Information about third-party platforms is based on publicly available provider websites and documentation reviewed on October 8, 2026. Products, features, integrations, and availability may change. The descriptions reflect Akurateco’s understanding of the cited materials and should be verified directly with each provider before making a purchasing decision. All third-party names and trademarks are the property of their respective owners, are used for identification purposes only, and do not imply any affiliation or endorsement.

Decta offers a hosted white-label payment gateway with payment orchestration built in, alongside its own acquiring, card issuing and processing services. Below are seven platforms that PSPs, acquiring banks and ISOs can consider alongside Decta.

About Decta

Decta describes itself as a full-stack payment platform. Its website lists payment acquiring, card issuing, acquirer and issuer processing, a digital banking platform and a white-label payment gateway.

Documented capabilities:

• Fully hosted, cloud-based white-label payment gateway with branding options and full-page, iFrame, direct post and direct API checkout
• Transaction, payment flow, provider and channel management
• Connections to DECTA Limited and third-party acquirers
• Payment orchestration inside the gateway: routing by geography, transaction type, cost and success rate, cascading, failover and retries
• Back office for sub-merchant onboarding, permissions, limits and currencies
• Card payments, open banking and digital wallets; transactions in more than 50 currencies
• Invoicing, subscriptions and card-on-file recurring payments
• Fraud and risk management, tokenization and 3D Secure
• Centralized reporting and analytics, including real-time payment tracking

Use cases:

• PSPs launching a branded payment gateway
• ISOs and marketplaces offering payment acceptance under their own brand
• Enterprise merchants managing several payment providers through the gateway
• Companies that need white-label payment infrastructure
• Teams combining gateway operations with provider management

Sources: Decta Official Website

Source information checked October 8, 2026.

7 Decta Alternatives

Akurateco, the publisher of this page, comes first. The other vendors are in alphabetical order, not ranked.

Akurateco

Akurateco is a payment software vendor. Its white-label payment software covers a white-label payment gateway and a payment orchestration platform, for PSPs, acquiring banks and ISOs that want to launch, operate, and scale branded payment infrastructure without building the technology from scratch. Akurateco is not a payment processor, and clients bring their own acquiring.

Akurateco combines white-label gateway infrastructure with merchant management, tokenization, fraud controls, reporting, billing, and payment operations support.

Documented capabilities:

• 700+ connections to global and local payment providers and payment methods, listed on the connectors page
• White-label branding across payment interfaces, dashboards, merchant portals, domains, and applications
• Routing, cascading, retries, and failover rules based on provider performance, geography, and transaction data
• 150+ configurable fraud rules and third-party risk integrations
• SaaS onboarding typically completed within 2-5 business days; additional connectors typically delivered within 10-20 business days
• Tokenization and vaulting, including network tokenization
• Centralized reporting across PSPs, acquirers, payment methods, and transaction flows

Use cases:

• PSPs launching a branded payment gateway under their own name
• Acquiring banks adding merchant-facing payment gateway technology without developing infrastructure from scratch
• ISOs and payment consultants expanding into gateway services
• PSPs that need merchant management, billing, reporting, and fraud tools in one stack

Pricing: Discussed individually.

Sources: Akurateco Official Website

Source information checked October 8, 2026.

ACI Worldwide

ACI Worldwide develops payment technology for banks, financial institutions, merchants and billers; its ACI Payments Orchestration Platform is built for merchants and PSPs.

Documented capabilities:

• Connectivity to 250+ payment APIs; coverage in 160+ countries, with alternative payment methods and partner connections
• Acquirer-independent multi-acquirer setups with local and cross-border acquirers
• Transaction routing by rules or AI models, with soft-decline retries and fallback to another acquirer
• Fraud management with models, rules, lists and strategies adjustable per market, channel and payment method, plus 3D Secure exemptions and Cybersource device fingerprinting
• Tokenization through a token vault for cards and alternative payment methods, including omni-tokens and network tokens
• Unified reporting with transaction and settlement reports and analytics dashboards by merchant, provider, payment method and country
• White-label payments gateway with a PSP-branded back office and white-label payment analytics
• Merchant Portal with a PSP-to-merchant account hierarchy, user roles and inherited processing settings
• Delivery models across ACI’s software portfolio: licensed (run in a private or public cloud), SaaS or hybrid
• Implementation team, always-on help desk and account team for PSPs

Use cases:

• Banks and financial institutions managing payment services
• Large merchants operating across several countries and payment channels
• Merchants working with multiple acquirers and payment methods
• PSPs offering a white-label payments gateway under their own brand
• E-commerce, travel, subscription and marketplace merchants

Sources: ACI Worldwide Official Website

Source information checked October 8, 2026.

See also: ACI Worldwide alternatives.

Ikajo

Ikajo provides a white-label payment gateway for companies that want to accept and manage payments under their own brand.

Documented capabilities:

• Fully brandable white-label payment gateway
• Customizable hosted payment page
• 100+ payment connectors and support for over 150 currencies
• Connector development on request
• Support for card payments, alternative payment methods, and cryptocurrencies
• REST API, SOAP API, and hosted payment page integration options
• Smart routing and cascading
• Integrated anti-fraud and chargeback tools
• Incoming-payment reconciliation
• Payment calendar for reviewing incoming payments
• Customer, integration, and legal support

Use cases:

• PSPs launching branded payment services
• Companies upgrading or replacing their payment processing infrastructure
• Online merchants optimizing payment performance across several payment integrations
• Merchants combining payment processing with gateway branding

Sources: Ikajo Official Website

Source information checked October 8, 2026.

NMI

NMI provides white-label gateway infrastructure for organizations developing branded payment services across e-commerce, in-store, mobile, and self-service channels.

Documented capabilities:

• White-label gateway with partner logos, colors, custom domains and configurable account settings
• APIs, SDKs and developer tools for online, point-of-sale, mobile and self-service payments, with partner training and support
• Merchant onboarding, underwriting, boarding and account administration, with user permissions
• Connections to third-party processors and acquirers, with processors, value-added services and fee schedules assigned to each merchant
• Transaction routing and load balancing across processors and MIDs by volume share, ticket limit or merchant-defined fields
• Fraud rules by transaction value and volume, card-testing detection, 3-D Secure and Kount fraud screening
• Customer Vault and Customer Token Vault, including network tokenization and automatic card updates
• Recurring and subscription billing, plus direct merchant billing with commissions paid to partners and residuals calculation
• Merchant Central portfolio reporting on transactions, settlement, reconciliation and disputes across supported processors, with real-time analytics and dashboards
• Card, ACH, Apple Pay and Google Pay acceptance across digital and physical channels

Use cases:

• Banks, ISOs, payment facilitators and SaaS providers launching payment products under their own brand
• Software companies adding payment functionality to their platforms
• Organizations responsible for onboarding and administering merchant accounts
• Merchants accepting transactions through both online and in-person channels
• Companies managing subscriptions, repeat payments, or stored customer credentials

Sources: NMI Official Website

Source information checked October 8, 2026.

See also: NMI alternatives.

paytech

paytech provides a modular white-label payment gateway and a payment orchestration product for PSPs, acquirers and merchants.

Documented capabilities:

• White-label gateway under the client’s brand, with customizable interfaces and several payment page designs
• Payment orchestration product connecting multiple PSPs and payment methods through one API
• 900+ integrations, with new connections, acquirers included, built on request
• Routing and cascading with failover, connector priorities and deposit-history rules
• Fraud Prevention module with identity and device checks, limits and block lists, plus anti-fraud integrations
• Reporting on success ratios, declines and chargeback ratios, with real-time monitoring and alerts
• Finance Module with invoicing, automatic reconciliation and settlement calculation
• Merchant fees, limits, sub-users and permissions, plus an Onboarding module with screening
• Payment links, recurring payments, Apple Pay, Google Pay and card tokenization
• SaaS delivery with deployment, training, custom development and 24/7 support

Use cases:

• PSPs that want a branded payment gateway
• Acquirers that want their own white-label gateway
• Online merchants connecting several PSPs through one API
• Payment providers moving to a multi-acquirer setup
• Payment providers adding modules to an existing product

Sources: paytech Official Website

Source information checked October 8, 2026.

See also: paytech alternatives.

Tranzzo

Tranzzo provides white-label PSP and payment gateway technology for companies that want to run payment services under their own brand.

Documented capabilities:

• White-label PSP and gateway as SaaS, with a branded merchant portal and client-domain payment pages
• Back-office admin panel and merchant dashboards, with onboarding to the client’s own procedure
• More than 330 ready-made integrations with banks and PSPs, several connectable at once
• 180+ payment methods and 190+ countries
• 30+ routing rules by region, currency and method, with cascading to backup processors
• Configurable anti-fraud rules with real-time checks on every transaction, and 3D Secure 2
• Card and network tokenization, with recurring, split and one-click payments and payment links
• Real-time transaction monitoring, analytics and customized reports
• APIs, plugins and SDKs, with integration support, 24/7 support and an account manager

Use cases:

• PSPs launching payment services under their own brand
• Payment companies managing merchants and transaction flows
• Companies that need a branded merchant portal and checkout
• Companies expanding payment-method and regional coverage

Sources: Tranzzo Official Website

Source information checked October 8, 2026.

UniPay Gateway

UniPay Gateway provides payment gateway software for PayFacs, ISOs, ISVs, SaaS platforms, aggregators and investment companies, as a hosted service or an On-Premises licence.

Documented capabilities:

• 100+ bank integrations, several processors per merchant and retries of soft-declined transactions
• Hosted white-label gateway and Payments as a Service, upgradable to the On-Premises edition
• On-Premises licence with source code, run on the licensee’s servers with its own acquirers
• Branded payment pages, statements, receipts and notifications at system, reseller and merchant level
• Merchant underwriting support, an onboarding API and management of portfolios, resellers, users and roles
• Merchant fee collection with pricing models, plus reseller commissions and residuals
• Card and bank account tokenization, and fraud rules with AVS and CSC checks and a blacklist
• Reporting and reconciliation, with custom reports, exports and merchant statements
• Implementation services and technical and operations support, with documented APIs

Use cases:

• PayFacs and aggregators onboarding merchants and processing payments
• ISOs and ISVs offering payment processing under their own brand
• SaaS platforms adding payment acceptance or becoming PayFacs
• Investment companies consolidating payment processing for portfolio companies
• Companies running the gateway in-house with source-code access

Sources: UniPay Gateway Official Website

Source information checked October 8, 2026.

See also: UniPay Gateway alternatives.

Key Akurateco Capabilities

Akurateco provides the gateway and orchestration layer on top of acquirers and does not process transactions itself. It is a strong fit for PSPs, acquiring banks and ISOs that need white-label payment software to:

• Manage merchants, roles, limits, payment settings, and transaction flows from one system
• Configure merchant billing and invoicing
• Access real-time reporting, analytics, and reconciliation support
• Choose between SaaS, cloud-agnostic, and On-Premises deployment
• Use Payment Team as a Service for implementation and ongoing payment operations support

Akurateco’s infrastructure is PCI DSS v4.0.1 Level 1. The platform is deployed for licensed PSPs and banks under SAMA, QCB and FRA supervision. Client examples are on the case studies page.

How to Evaluate Decta Alternatives

Each question starts from something Decta documents about its own product (decta.com, checked October 8, 2026). Put the same question to every provider on the shortlist, Akurateco included.

• Who provides the acquiring? Decta lists payment acquiring, acquirer processing and issuer processing among its products, and its gateway also connects to third-party acquirers. Ask each provider, Akurateco included, which of these services it performs itself and which ones you bring.
• Who hosts the gateway? Decta describes its white-label gateway as fully hosted and cloud-based. Confirm with each provider, Akurateco included, where the gateway is hosted and which deployment models are available.
• Which acquirers and payment methods are connected? Decta’s product page names the acquirers, card schemes, open banking methods and digital wallets its gateway connects to. Ask every provider, Akurateco included, for a named list of the connections you need in your markets.
• Which currencies are supported? Decta’s product page states the currencies its gateway handles. Ask every provider, Akurateco included, which processing and settlement currencies are available for your markets.

A longer list of criteria is in the provider selection criteria in our white-label gateway guide.

Conclusion

According to its website, Decta sells acquiring, issuing and processing services as well as a hosted white-label gateway with orchestration, which connects to its own and third-party acquirers. The choice between Decta and the platforms above depends on which services you want from one provider, where the gateway must run, and which acquirers and currencies you need.

For PSPs and acquiring banks evaluating white-label gateway and orchestration software, see how Akurateco works for PSPs.

Related comparison: Cardstream alternatives. The full list is on the alternatives page.

FAQ

What is Decta?

Decta is a payment company. Its products range from acquiring and card issuing to processing for acquirers and issuers, and include a hosted white-label gateway with orchestration for PSPs, ISOs, enterprise merchants and marketplaces. Source: decta.com, checked October 8, 2026.

What are the alternatives to Decta?

This guide describes seven: Akurateco, ACI Worldwide, Ikajo, NMI, paytech, Tranzzo and UniPay Gateway. Each profile is based on that vendor’s own website, checked October 8, 2026.

What should I check before choosing a Decta alternative?

Check four things: who provides the acquiring, where the gateway is hosted, which acquirers and payment methods are connected in your markets, and which currencies it processes. Ask every provider on the shortlist, Akurateco included, for written answers that match your setup.