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Decentro

decentro.tech

WebAPI
Visit decentro.tech
Spec score 8.1 #3 of 28 in Employment Verification Software

What it is

Decentro is a Banking-as-a-Service platform that provides financial modules through APIs and SDKs. Its global collection service lets businesses accept international payments in local currencies through a unified API, with payment options including cards, SWIFT, SEPA, domestic transfers, and virtual accounts. The collection page lists 9+ currencies, though 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 transactions and balances. The multi-currency escrow service supports holding, splitting, and releasing funds, and lists USD, GBP, EUR, AED, AUD, and JPY. Incoming payments can be matched to invoices. A web dashboard shows transaction data and balances, supports payment initiation, and provides reconciliation reports.

Onboarding begins with registered business details and a test environment; Decentro then shares test API credentials. A platform may have a registered entity in any non-sanctioned country, and API requests are allowed only from whitelisted IP addresses. Setup fees are described as “Completely FREE,” but no transaction price is shown; pricing is otherwise on request.

Spec sheet

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.Read 3 Oct 2026 · decentro.tech
Product
Decentro describes itself as a full-stack Banking-as-a-Service platform offering financial modules through APIs and SDKs.Read 2 Oct 2026 · decentro.tech
Integrations
Decentro offers APIs and SDKs, detailed documentation, a sandbox for testing, and a dashboard flow for requesting production launch.Read 3 Oct 2026 · decentro.tech
Security
Decentro says its dashboard uses MFA and its systems use AES256 and RSA4096 encryption standards.Read 2 Oct 2026 · decentro.tech
Compliance
Decentro says it follows ISO 27001 guidelines across its products and periodically undergoes third-party vulnerability assessments by CERT-IN empaneled auditors.Read 2 Oct 2026 · decentro.tech
Support
The escrow page describes 24x7x365 priority support via email, phone, and Slack.Read 3 Oct 2026 · decentro.tech
Accounts and escrow
Its global FAQ says onboarded platforms use a multi-currency escrow account for virtual accounts, holding collected funds, and settlements.Read 2 Oct 2026 · global.docs.decentro.tech
API access requirement
Decentro's global FAQ says API requests are allowed only from IP addresses it has whitelisted.Read 2 Oct 2026 · global.docs.decentro.tech
Company locations
Decentro lists work hubs in Bangalore, Delhi-NCR, Mumbai, and GIFT City.Read 2 Oct 2026 · decentro.tech
Currencies and payment methods
The collection page lists 9+ currencies and cards, SWIFT, SEPA, domestic transfers, and virtual accounts among its payment options.Read 2 Oct 2026 · decentro.tech
Dashboard
Decentro provides a web dashboard for real-time transaction data, account balances, payment initiation, and reconciliation reports.Read 2 Oct 2026 · global.docs.decentro.tech
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.Read 2 Oct 2026 · global.docs.decentro.tech
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.Read 3 Oct 2026 · decentro.tech
Global collections
Global Payment Collection supports accepting international payments through local currencies, global payment methods, and a unified API.Read 3 Oct 2026 · decentro.tech
Global payments security
The Global Payment Collection FAQ says cross-border payments use regulated rails and that the infrastructure includes data protections.Read 3 Oct 2026 · decentro.tech
Integration
Decentro provides a test environment and shares test API credentials after onboarding a platform.Read 2 Oct 2026 · global.docs.decentro.tech
Ledgers
The Ledgers product supports multiple ledger types, real-time transaction updates, transaction mapping, reminders, and reconciliation.Read 3 Oct 2026 · decentro.tech
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.Read 3 Oct 2026 · decentro.tech
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.Read 3 Oct 2026 · global.docs.decentro.tech
Payment methods
The global collections page lists cards, SWIFT, SEPA, domestic transfers, and virtual accounts as payment methods.Read 3 Oct 2026 · decentro.tech
Reconciliation
The global collection product says incoming payments can be automatically matched to invoices using smart matching logic.Read 2 Oct 2026 · decentro.tech
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.Read 3 Oct 2026 · decentro.tech
Web dashboard
The global payments documentation says its web dashboard shows real-time transaction data and balances, supports initiating payments, and provides reconciliation reports.Read 3 Oct 2026 · global.docs.decentro.tech
White-label infrastructure
Its products page describes the platform as white-label payments infrastructure.Read 3 Oct 2026 · decentro.tech
Who it is for
The global collections page lists cross-border businesses, marketplaces, financial institutions, consumer platforms, offline payment processors, and payment aggregators as use cases.Read 3 Oct 2026 · decentro.tech

Plans and prices

Decentro Global Priced on request Setup fees described as “Completely FREE”; no transaction price shown · Unlimited rollover of unused API hits Read 3 Oct 2026 · decentro.tech

Every Decentro plan and price →

Strong points and limits

Strong points

  • Supports cards, SWIFT, SEPA, transfers, and virtual accounts.
  • Includes multi-currency accounts, escrow, and a ledger.
  • Dashboard provides balances and reconciliation reports.
  • Sandbox and test API credentials are available after onboarding.

Limits

  • No transaction price is shown.
  • Available currencies depend on Decentro’s licenses and support.
  • API requests are limited to whitelisted IP addresses.
  • Onboarding requires registered business details.

Who it suits

Decentro suits businesses and platforms handling cross-border collections, multi-currency accounts, escrow, or payment reconciliation. Prospective users need a registered business in a non-sanctioned country and must work within Decentro’s supported currencies and IP-whitelisting requirements.

Verdict

Decentro combines payment collection with accounts, escrow, ledger, and reconciliation capabilities through APIs and a dashboard. Confirm currency eligibility, onboarding requirements, and transaction pricing before planning a launch.

Where Specifiction places it

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