Decentro vs Nexfinera
Decentro
decentro.techNexfinera
nexfinera.comSide by side
| Figure | Decentro | Nexfinera |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| API | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Banking-as-a-Service Platforms | 8.1 (#6) | 6.7 (#31) |
| Compliance | Decentro says it follows ISO 27001 guidelines across its products and periodically undergoes third-party vulnerability assessments by CERT-IN empaneled auditors. | The site states EU compliance alignment with PSD2/PSD3, DORA, and GDPR, and describes a partner bank model with licensed infrastructure. |
| Integrations | Decentro offers APIs and SDKs, detailed documentation, a sandbox for testing, and a dashboard flow for requesting production launch. | Nexfinera says it connects platforms with banks and fintech providers through a single integration point. |
| Product | Decentro describes itself as a full-stack Banking-as-a-Service platform offering financial modules through APIs and SDKs. | Nexfinera describes itself as a financial orchestration layer connecting platforms, banks, and fintech providers. |
| 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. | The homepage describes the service as cloud-native and says it is aligned with PSD2/PSD3, DORA, and GDPR, using a partner-bank model for licensed infrastructure. |
| 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. | The site identifies ERP platforms, marketplaces, SaaS platforms, and corporates as use cases. |
Plans
In their own words
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.