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Zettle

Zettle

EU retail

VS

DECTA

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

DECTA
Fees from
1.75% per transaction (EU) vs —
Features

0 shared

2 unique to Zettle · 2 unique to DECTA
Regions

2 shared

6 unique to DECTA
Pay methods

5 shared

3 unique to Zettle · 7 unique to DECTA
On fees

Not enough published data on fees for a fair verdict — open the full specs below for reference.

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Show full specs
4 features · 15 payment methods · 8 regions. We don't rank these — they're here for reference.
Zettle Zettle
DECTA DECTA
Quick Facts
Fees
Standard transaction rate
1.75% per transaction (EU)
—
Settlement
Time to receive funds
Next business day
Next business day
Founded
2010
2015
Headquarters
Stockholm, Sweden
London, GB
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Enterprise Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
DECTA leads (12 vs 8)
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Diners Unique
✓
—
Google Pay
✓
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Open Banking Unique
—
✓
Paypal Unique
—
✓
Samsung Pay Unique
—
✓
Swish Unique
✓
—
Unionpay Unique
—
✓
Visa
✓
✓
Regions
DECTA leads (8 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Zettle is best when you...

EU retail
Need Low Fees
Not available with DECTA
Need Startup Friendly
Not available with DECTA
View Zettle

DECTA is best when you...

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

Frequently Asked Questions

What is the difference between Zettle and DECTA?
They share 5 payment methods and 2 regions. Zettle adds Contactless, Diners Club, Swish that DECTA does not list; DECTA adds Alipay, Bank Transfer, Klarna and 4 more that Zettle does not list; DECTA also covers Africa, Asia and 4 more; only Zettle offers Low Fees, Startup Friendly.
Which is cheaper, Zettle or DECTA?
Zettle has published rates from 1.75% per transaction (EU); 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 Zettle and DECTA?
Zettle lists 2 regions and 8 payment methods; DECTA lists 8 and 12. both cover Europe, Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zettle and DECTA compare on integration and settlement?
Zettle offers a sandbox, DECTA does not list one; Zettle supports webhooks; Zettle settles in Next business day, 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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