Decentro vs MicroBilt SPOT Employment Locator

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.

MicroBilt SPOT Employment Locator identifies a person’s current and past employment by combining consumer lending applications, bank headers, alternative credit-history databases, and compiled third-party data. Reports can cover employment at up to six employers. Listed details include employer names, phone numbers and addresses, a phone-status indicator, and the first and last dates each employer was reported. Access is available through a web interface, batch delivery, and an API. MicroBilt describes the service for collection and recovery professionals locating a workplace, HR and hiring managers conducting employment-history checks, and financial institutions or lenders assessing creditworthiness. The company says its systems use 256-bit encryption with TLS 1.3 and undergo independent third-party audits and vulnerability testing. It also states that consumer credit reports must be used only for permissible purposes and that customers must retain supporting transaction documentation. MicroBilt began in 1978 as Equipment Resources Incorporated and is headquartered in Kennesaw, Georgia. Pricing is on request, with prospective customers directed to a customer success agent.