Freedom251 › Banking-as-a-Service Platforms

Decentro

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What Decentro is

Decentro is a Banking-as-a-Service platform that lets businesses select financial modules and connect them through APIs and SDKs. Its global collection service accepts international payments through one API, with options including cards, SWIFT, SEPA, domestic transfers, and virtual accounts; the collection page lists 9+ currencies. Available collection and settlement currencies depend on Decentro’s licenses and support as a payment service provider. The platform also offers multi-currency accounts, escrow, and a ledger for recording transactions and balances. Escrow supports automated holding, splitting, and release of funds, with USD, GBP, EUR, AED, AUD, and JPY listed. Incoming payments can be matched to invoices, while a web dashboard shows transaction data and balances, supports payment initiation, and provides reconciliation reports. Integration includes documentation, a sandbox, and test API credentials after onboarding. Businesses start onboarding with registered details and may have an entity in a non-sanctioned country. API requests are limited to whitelisted IP addresses. Pricing is on request; setup fees are described as “Completely FREE,” but no transaction price is shown.

Who it suits

Decentro suits cross-border businesses, marketplaces, financial institutions, consumer platforms, offline payment processors, and payment aggregators seeking financial modules through APIs and SDKs. It requires onboarding with registered business details and an entity in a non-sanctioned country.

What it does well

Offers cards, SWIFT, SEPA, transfers, and virtual accounts.
Provides multi-currency accounts and escrow.
Includes a transaction and balance ledger.
Dashboard supports payment initiation and reconciliation reports.
Sandbox and test API credentials follow onboarding.

What to know first

Pricing is on request; no transaction price is shown.
API requests must come from whitelisted IP addresses.
Currencies depend on licenses and provider support.
Onboarding requires a non-sanctioned-country business entity.

Limits

The Decentro Global plan describes setup fees as “Completely FREE,” but no transaction price is shown. Collection and settlement currency availability depends on Decentro’s licenses and support as a payment service provider.

Plans

Plan	Billed and limits	Price
Decentro Global	Setup fees described as “Completely FREE”; no transaction price shown · Unlimited rollover of unused API hits	On request

As decentro.tech lists them, read 3 Oct 2026. The maker's own page has the final word.

Getting started

Visit Decentro's global website.
Provide registered business details to begin onboarding to the test environment.
Receive test API credentials after onboarding.
Use the sandbox, API documentation, and SDKs to build an integration.
Whitelist the IP addresses that will make API requests.
Request production launch through the dashboard flow.

Verdict

Decentro combines payment collection, accounts, escrow, and ledger capabilities behind APIs and a web dashboard. Check eligibility, currency availability, IP requirements, and transaction pricing during onboarding.

Questions

How is Decentro priced?

Pricing is on request. The Decentro Global plan describes setup fees as “Completely FREE,” and no transaction price is shown.

Is there a free plan?

No free plan is listed. The Decentro Global plan describes setup fees as “Completely FREE,” but does not show a transaction price.

What platforms does Decentro support?

Its listed platforms are API and web. The platform provides APIs and SDKs, a sandbox, and a web dashboard.

What payment methods and currencies are available?

The collection page lists 9+ currencies and options including cards, SWIFT, SEPA, domestic transfers, and virtual accounts. Available collection and settlement currencies depend on Decentro’s licenses and PSP support.

What is required to start integrating?

Platforms provide registered business details to begin test-environment onboarding, then receive test API credentials. API requests are allowed only from whitelisted IP addresses.

Who can onboard?

Platforms may have a registered business entity in any non-sanctioned country.

Facts from Decentro's own pages

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

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