United Kingdom · Payments & e-money
Decta Limited
DECTA Limited is a private limited company registered in England and Wales, with its office in the City of London. The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011 (FRN 900592). Its audited 2025 accounts describe it as a wholly owned subsidiary of AS Rietumu Holding of Latvia. The firm provides card acquiring, payment gateway and card-issuing services to merchants and financial institutions. It describes itself as a principal member of Visa and Mastercard.
Licences and registrations
Held by Decta Limited (LEI 254900UARDFAWF7ZBF81). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - E-Money InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 900592 | United Kingdom | Active | 2018-04-18 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- DCTTGB22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of DCTTGB22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2017-06-03
- Last updated
- 2023-01-05
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% AS Rietumu Holding
Firm type
Merchant acquiring and processing
Trades as DECTA
- Ownership
- According to its audited accounts for 2025, the firm is a wholly owned subsidiary of AS Rietumu Holding, a company registered in Latvia.
- Direct parent
- AS Rietumu Holding, Latvia 100%
- Head office
- 1 King William Street, EC4N 7AF London, United Kingdom
- Company register
- Companies House 09926210
- Incorporated
- 22 Dec 2015
Online
- Websites & references
- decta.com ↗
gate.decta.com ↗ merchant portal login - Official social accounts
- LinkedIn ↗ · Facebook ↗
Sources · 14 pages consulted
- find-and-update.company-information.service.gov.uk/company/09926210/filing-history/MzUxOTc5ODUzMWFkaXF6a2N4/document?format=pdf&download=0
- find-and-update.company-information.service.gov.uk/company/09926210/officers
- find-and-update.company-information.service.gov.uk/company/09926210/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/09926210/filing-history
- find-and-update.company-information.service.gov.uk/company/09926210
- register.fca.org.uk/s/firm?id=001b000003JgscoAAB
- decta.com/
- decta.com/contact
- decta.com/company/about-us
- decta.com/company/safeguarding-of-client-funds
- decta.com/documents/terms-and-conditions
- decta.com/documents/privacy-policy
- decta.com/company/media/decta-partners-with-sapi
- retailtechinnovationhub.com/home/2024/8/20/scott-dawson-takes-on-ceo-role-at-payments-specialist-decta-as-company-exp
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011 (FRN 900592). Separate group companies, also named DECTA Limited, hold electronic money licences from the Central Bank of Cyprus and the Central Bank of Ireland.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 900592 | In its own name | Active | register.fca.org.uk ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that it keeps client funds apart from its own money, in segregated safeguarding accounts with authorised credit institutions in the United Kingdom and the European Union.
- Payment schemes and card networks
- Visa Direct decta.com ↗
Mastercard Direct decta.com ↗
Swift Direct find-and-update.company-information.service.gov.uk ↗
SEPA Credit Transfer Access not stated find-and-update.company-information.service.gov.uk ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm's 2025 accounts describe its main activity as card acquiring for merchants, alongside white-label card issuing. Processing technology is supplied by its Latvian sister company DECTA SIA.
According to its 2025 accounts, 71% of the firm's turnover came from the United Kingdom and the rest from Europe.
- Revenue
- GBP 45.4m
- Sells to
- Enterprises · Small businesses · Financial institutions
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Scott Dawson Chief Executive Officer and Director
- Executive
- Jevgenijs Godunovs Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
DECTA announced a partnership with SAPI to offer UK merchants working capital, with SAPI handling underwriting, servicing and compliance.
decta.com ↗ -
Other
The firm told Companies House that it has no registrable person with significant control. It recorded Rietumu Holding's cessation as at 6 April 2016.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
DECTA promoted Scott Dawson, previously Head of Sales and Strategic Partnerships, to Chief Executive Officer.
retailtechinnovationhub.com ↗ -
Leadership
Scott Dawson became a director on 1 April 2024, the date on which Marks Andrejevs resigned as a director.
find-and-update.company-information.service.gov.uk ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- DCTTGB22XXX
- How the BIC breaks down
- DCTTBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 254900UARDFAWF7ZBF81
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900592
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate on the UK company number the register gives.
- Register-entry ID
- 9db0bad04330
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- E-money / stored value
- Licensed in
- United Kingdom
- Website (register)
- www.decta.com ↗
- Country · region
- United Kingdom · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 1 KING WILLIAM STREET LONDON EC4N 7AF UNITED KINGDOM
- Operational address
- 1 KING WILLIAM STREET LONDON LONDON EC4N 7AF UNITED KINGDOM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>DCTTGB22XXX</BICFI>
<LEI>254900UARDFAWF7ZBF81</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>DCTTGB22XXX</BICFI>
<LEI>254900UARDFAWF7ZBF81</LEI>
<Nm>DECTA LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>1 KING WILLIAM STREET LONDON EC4N 7AF</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2017-08-07 | Head office | — |
SEPA dates are when the institution became ready for the scheme.
An institution missing from T2 may still be reachable through an indirect participant.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
Claim this profile
Work at Decta Limited?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
- FCA Financial Services Register - E-Money Institutions—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: decta.com (official website) · original.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
Book a demo