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FIS

FIS

Enterprise banking and capital markets technology

VS

DECTA

Fintechs, banks and ISVs needing EMI-licensed white-label acquiring and issuer processing in Europe

DECTA
Fees from
Custom vs —
Features

1 shared

1 unique to DECTA
Regions

6 shared

2 unique to DECTA
Pay methods

6 shared

8 unique to FIS · 6 unique to DECTA

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2 features · 20 payment methods · 8 regions. We don't rank these — they're here for reference.
FIS FIS
DECTA DECTA
Quick Facts
Fees
Standard transaction rate
Custom
—
Settlement
Time to receive funds
1–2 business days
Next business day
Founded
1968
2015
Headquarters
Jacksonville, Florida, United States
London, GB
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
DECTA leads (2 vs 1)
Enterprise
✓
✓
Recurring Payments Unique
—
✓
Payment Methods
FIS leads (14 vs 12)
Ach Unique
✓
—
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer
✓
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay
✓
✓
Jcb Unique
✓
—
Klarna Unique
—
✓
Mastercard
✓
✓
Open Banking Unique
—
✓
Paypal Unique
—
✓
Samsung Pay Unique
—
✓
Unionpay Unique
—
✓
Virtual Card Unique
✓
—
Visa
✓
✓
Regions
DECTA leads (8 vs 6)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania
✓
✓
Southeast Asia
✓
✓

FIS is best when you...

Enterprise banking and capital markets technology
View FIS

DECTA is best when you...

Fintechs, banks and ISVs needing EMI-licensed white-label acquiring and issuer processing in Europe
Need Recurring Payments
Not available with FIS
Want coverage in Africa, Middle East
FIS doesn't cover these regions
View DECTA

Frequently Asked Questions

What is the difference between FIS and DECTA?
They share 6 payment methods and 6 regions. FIS adds ACH, Contactless, Credit Card and 5 more that DECTA does not list; DECTA adds Alipay, Klarna, Open Banking and 3 more that FIS does not list; DECTA also covers Africa, Middle East; only DECTA offers Recurring Payments.
Which is cheaper, FIS or DECTA?
FIS has custom pricing quoted on engagement; DECTA has no published rate. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use FIS and DECTA?
FIS lists 6 regions and 14 payment methods; DECTA lists 8 and 12. both cover Asia, Europe, Latin America and 3 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do FIS and DECTA compare on integration and settlement?
FIS offers a sandbox, DECTA does not list one; FIS supports webhooks; FIS settles in 1–2 business days, DECTA in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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