Decentro
Decentro is a Banking-as-a-Service platform that lets businesses select financial modules and connect them through APIs and SDKs.
What Decentro is
Decentro is a Banking-as-a-Service platform that lets businesses select financial modules and connect them through APIs and SDKs. Its global collection product accepts international payments through a unified API, with options including cards, SWIFT, SEPA, domestic transfers, and virtual accounts. The collection page lists 9+ currencies; available collection and settlement currencies depend on Decentro’s licenses and support as a payment service provider. Other offerings include multi-currency accounts, escrow, and a ledger for recording transactions and balances. Escrow supports automated holding, splitting, and releasing funds, and lists USD, GBP, EUR, AED, AUD, and JPY. Incoming payments can be matched to invoices, while a web dashboard provides transaction data, balances, payment initiation, and reconciliation reports. Integration includes documentation, a sandbox, and test API credentials after onboarding. Businesses begin onboarding with registered business details and must have an entity in a non-sanctioned country. API requests are limited to whitelisted IP addresses. Pricing is on request; setup fees are described as completely free, but no transaction price is shown.
Good
- Accepts several international payment methods.
- Offers multi-currency accounts and escrow.
- Incoming payments can be matched to invoices.
- Dashboard includes transaction and reconciliation data.
- Provides a sandbox and test API credentials after onboarding.
Watch out
- Pricing is on request; transaction prices are not shown.
- API requests are limited to whitelisted IP addresses.
- Available collection and settlement currencies depend on licenses and support.
- Onboarding requires a registered business entity in a non-sanctioned country.
Who it suits
Decentro lists cross-border businesses, marketplaces, financial institutions, consumer platforms, offline payment processors, and payment aggregators as use cases. It may suit platforms seeking API-connected payment and account modules.
Verdict
Decentro combines global payment collection with accounts, escrow, and ledger capabilities through APIs and a dashboard. Eligibility, currency availability, and IP whitelisting are important considerations before integration.
Plans and prices
From Decentro's own pricing page, checked 3 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Decentro Global | Priced on request | Setup fees described as “Completely FREE”; no transaction price shown · Unlimited rollover of unused API hits |
The facts
Each one read from Decentro's own pages, with the date it was checked.
What it does
- Accounts and escrow
- Its global FAQ says onboarded platforms use a multi-currency escrow account for virtual accounts, holding collected funds, and settlements.checked 2 Oct 2026
- API access requirement
- Decentro's global FAQ says API requests are allowed only from IP addresses it has whitelisted.checked 2 Oct 2026
- Compliance
- Decentro says it follows ISO 27001 guidelines across its products and periodically undergoes third-party vulnerability assessments by CERT-IN empaneled auditors.checked 2 Oct 2026
- Currencies and payment methods
- The collection page lists 9+ currencies and cards, SWIFT, SEPA, domestic transfers, and virtual accounts among its payment options.checked 2 Oct 2026
- Dashboard
- Decentro provides a web dashboard for real-time transaction data, account balances, payment initiation, and reconciliation reports.checked 2 Oct 2026
- Eligibility limit
- Platforms may have a registered business entity in any non-sanctioned country, while available collection and settlement currencies depend on Decentro's licenses and support as PSP.checked 2 Oct 2026
- Escrow
- Multi-Currency Escrow supports automated holding, splitting, and releasing of funds, and the page lists USD, GBP, EUR, AED, AUD, and JPY as supported currencies.checked 3 Oct 2026
- Global collections
- Global Payment Collection supports accepting international payments through local currencies, global payment methods, and a unified API.checked 3 Oct 2026
- Global payments security
- The Global Payment Collection FAQ says cross-border payments use regulated rails and that the infrastructure includes data protections.checked 3 Oct 2026
- Integration
- Decentro provides a test environment and shares test API credentials after onboarding a platform.checked 2 Oct 2026
- Integrations
- Decentro offers APIs and SDKs, detailed documentation, a sandbox for testing, and a dashboard flow for requesting production launch.checked 3 Oct 2026
- Ledgers
- The Ledgers product supports multiple ledger types, real-time transaction updates, transaction mapping, reminders, and reconciliation.checked 3 Oct 2026
- Multi-currency accounts
- Multi Currency Accounts let businesses hold, manage, and transact in multiple currencies from one platform, with virtual account details in supported currencies.checked 3 Oct 2026
- Onboarding requirement
- The global payments FAQ says platforms provide their registered business details to begin onboarding into a test environment, after which test API credentials are shared.checked 3 Oct 2026
- Payment methods
- The global collections page lists cards, SWIFT, SEPA, domestic transfers, and virtual accounts as payment methods.checked 3 Oct 2026
- Product
- Decentro describes itself as a full-stack Banking-as-a-Service platform offering financial modules through APIs and SDKs.checked 2 Oct 2026
- Reconciliation
- The global collection product says incoming payments can be automatically matched to invoices using smart matching logic.checked 2 Oct 2026
- Security
- Decentro says its dashboard uses MFA and its systems use AES256 and RSA4096 encryption standards.checked 2 Oct 2026
- Security and compliance
- The escrow page says its operations follow FEMA, AML, and RBI regulations within the GIFT City IFSC framework and use audit trails, KYC checks, and data encryption.checked 3 Oct 2026
- Support
- The escrow page describes 24x7x365 priority support via email, phone, and Slack.checked 3 Oct 2026
- Web dashboard
- The global payments documentation says its web dashboard shows real-time transaction data and balances, supports initiating payments, and provides reconciliation reports.checked 3 Oct 2026
- What it does
- Decentro describes itself as a full-stack Banking-as-a-Service platform that lets businesses select financial modules, test them in a sandbox, and launch using APIs and SDKs.checked 3 Oct 2026
- White-label infrastructure
- Its products page describes the platform as white-label payments infrastructure.checked 3 Oct 2026
The company
- Company locations
- Decentro lists work hubs in Bangalore, Delhi-NCR, Mumbai, and GIFT City.checked 2 Oct 2026
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