Column vs Decentro
Column
column.com
Decentro
decentro.techSide by side
| Figure | Column | Decentro |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 0 | 1 |
| Spec score · Banking-as-a-Service Platforms | 7.7 (#12) | 8.1 (#6) |
| Compliance | Column’s card-program guide says it performs BSA/AML transaction monitoring and OFAC/Sanctions screening with program partners. | Decentro says it follows ISO 27001 guidelines across its products and periodically undergoes third-party vulnerability assessments by CERT-IN empaneled auditors. |
| Integrations | Column says its card issuing connects to Visa and Mastercard and supports mobile wallets including Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. | Decentro offers APIs and SDKs, detailed documentation, a sandbox for testing, and a dashboard flow for requesting production launch. |
| Security | Column says its security program follows guidance from NIST and FFIEC and is subject to governmental audits and independent third-party assessments. | Decentro says its dashboard uses MFA and its systems use AES256 and RSA4096 encryption standards. |
| Support | Column’s developer documentation lists [email protected] for feedback and [email protected] for technical support. | The escrow page describes 24x7x365 priority support via email, phone, and Slack. |
| What it does | Column provides banking infrastructure and APIs for companies building financial products, including payment processing and lending platforms. | 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. |
| Who it is for | Column describes its intended customers as technology companies, U.S. banks, international banks, and real estate businesses building financial products. | The global collections page lists cross-border businesses, marketplaces, financial institutions, consumer platforms, offline payment processors, and payment aggregators as use cases. |
Plans
In their own words
Column
Column is a nationally chartered bank providing banking infrastructure and APIs for companies building financial products. Its payment connections include the Federal Reserve, The Clearing House, SWIFT and card networks, for moving money in the United States and globally. APIs support checking, savings, trust, subledger, clearing and sweep accounts, including multiple account numbers for a single account. Column says its programmatically created bank accounts are FDIC-insured.
Companies can launch debit, credit, unsecured, charge or secured card programs, using their own balance sheet or Column’s. Lending offerings include credit origination, warehouse and forward flow facilities, with dedicated funding for lending programs. Column also describes support for USDC and USDT, accounts and cards for verified customers globally, and foreign-currency accounts with conversion to and from U.S. dollars. Its card issuing connects to Visa and Mastercard and supports Apple Pay, Google Pay, Samsung Pay and Garmin Pay. Developers can use API documentation, a sandbox and payment workflow guides. Column says its security program follows NIST and FFIEC guidance and is subject to governmental audits and independent third-party assessments. Pricing is on request; prospective customers are directed to contact sales.
Decentro
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.