A payment platform built to scale

DECTA uses Tieto Banktech’s card payment platform to support issuing, acquiring and payment processing as it expands its services across global markets.

Payment processing

DECTA was established to bring a more agile, fintech-like approach to card issuing, acquiring and payment processing. To support rapid growth and continuously develop customer services, DECTA needed a modern payment platform that could scale with its business.

The challenge

Build for continuous growth

DECTA was established by owners of a retail bank to introduce a more agile, fintech-like approach to operations and business development in card issuing, acquiring switching and payment processing.

As a newly launched company, DECTA did not have complex legacy transitions to manage. Instead, it had a clear roadmap and vision for rapid growth.

DECTA needed a payment platform that could support this growth while enabling a continuous cycle of improved customer services.

The solution

One platform for card payments

Based on DECTA’s requirements, Tieto Banktech deployed an on-premises card payment platform with issuing, acquiring and switching and clearing services as the foundation for future development.

A second deployment phase added dispute management, fraud management, peer-to-peer payments and an e-commerce solution.

The platform also supports additional integration layers, API integrations and different payment schemes, enabling DECTA to incorporate new services as its business develops.

Growth at scale

From one market to more than 30

DECTA expanded from a single market to 32 markets in five years, supported by a payment platform designed to scale and enable new service launches.

Markets reached in five years

Transactions handled per month

10+ M

The benefits

Scale payments and add services

The platform gives DECTA the flexibility to expand its payment business, add capabilities and support customers across markets.

1

Scale across markets

A high-availability system and back-end support help DECTA roll out services globally and scale its payment operations.
2

Launch new services

DECTA can build on the platform with capabilities including dispute and fraud management, peer-to-peer payments, tokenization, e-commerce and point-of-sale acquiring.
3

Adapt to market needs

Additional integration layers, APIs and support for different payment schemes help DECTA adapt its services to customer and market requirements.

Tailored capabilities

Adapted to market requirements

The collaboration is built around adapting the solution to DECTA’s current requirements while supporting future development.

One example is a dedicated front-end e-commerce payment gateway developed to manage high transaction volumes. Further capabilities have included high availability, tokenization and point-of-sale acquiring solutions.

This approach allows DECTA to continue adding capabilities as its payment services evolve.

Long-term partnership

Supporting DECTA as it grows

Dedicated account managers from DECTA and Tieto Banktech work closely to support communication, prioritise tasks across projects, and keep deployment and testing aligned with agreed timelines.

Tieto Banktech also provides documentation to support DECTA’s communication with customers using its third-party technical payment card processing services.

The partnership includes back-end support for global service rollouts, licence management and volume extensions, technical and performance audits, staff training, business analytics and consulting to support business growth.

Card payment platform