Snapshot
Continue to About ↓- What it does
- Decentro is an API banking platform that lets businesses connect to Indian banking, payments and identity-verification infrastructure through one set of REST APIs and SDKs, instead of integrating separately with multiple banks.
More detail
- It covers collections via virtual accounts, a UPI payment gateway, recurring mandates, payouts, ledgers, KYC and verification APIs, and it operates through an RBI-authorised payment aggregator entity within the Decentro group.
- Best for
- Indian fintechs, lenders, marketplaces and subscription or EMI businesses that want collections, payouts, recurring mandates, ledgers or KYC through a single API integration rather than months of bank-by-bank work.
- Pricing
- Decentro does not publish a price list, fee schedule or rate card, so subscription fees, MDR and per-transaction pricing are unknown.
More detail
- The only public pricing datapoint is a time-bound promotion of 0% MDR for 3 months with an offer end date of Nov 30
- that promotion does not mean the service is free.
- Main limitation
- Businesses outside India needing domestic rails beyond the newer GIFT City cross-border offering, companies that need a licensed bank or deposit-taking, and teams whose throughput needs clearly exceed Decentro's published API rate limits.
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- Structured profile ↗
About
- Decentro is an API banking platform that lets businesses connect to Indian banking, payments and identity-verification infrastructure through one set of REST APIs and SDKs, instead of integrating separately with multiple banks.
- It covers collections via virtual accounts, a UPI payment gateway, recurring mandates, payouts, ledgers, KYC and verification APIs, and it operates through an RBI-authorised payment aggregator entity within the Decentro group.
What it helps with
- Integrating separately with multiple banks to launch a fintech product, which Decentro says can take 5+ months
- Manual payer identification and slow reconciliation when collecting funds
- Handling recurring debits such as EMIs, SIPs, subscriptions and insurance premiums without manual follow-up
- Maintaining a single system of record across balances and transaction types including fiat, cashback and loyalty points
- Centralising KYC, fraud flagging and financial-data pulls instead of stitching together vendors
- Keeping up with ongoing bank API changes without re-integrating each time
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Multi-Collect virtual accounts | Yes | Dedicated virtual accounts for NEFT/IMPS/RTGS/UPI collections with transaction mapping; Decentro claims 100+ virtual accounts created per hour and ₹2 Cr/hour reconciliation capacity |
| UPI payment gateway | Yes | Collect requests, payment links, intent deep links, static and dynamic QR, third-party verification and UPI Reserve conditional payments |
| Recurring payments | Yes | Dual stack of UPI AutoPay and eNACH mandates with custom frequencies, instant refund APIs and retry logic for failed mandates |
| Instant payouts | Yes | 24x7 automated payouts to bank accounts and UPI IDs |
| Ledger as a service | Yes | Configurable ledgers for fiat, cashback, coins, loyalty and BNPL with TDS and fee logic built in |
| KYC and verification APIs | Yes | Automated onboarding plus PAN verification, penny drop, credit bureau, risk score, NetBanking 2.0 prefill and fraud flagging |
| Escrow and split settlements | Yes | Escrow accounts and Settlr for collect-and-split settlement flows |
| Cross-border collections | Limited | Newer Global Suite via a GIFT City PSP licence; described by Decentro as one of the first such final licences, not independently confirmed |
| Published pricing | No | No public price list or fee schedule; only a time-bound 0% MDR for 3 months promotion |
| Published throughput ceiling | Unknown | FAQ cites 10 TPS / 6,000 per hour but is marked updated about 3 years ago, and a product page claims 15,000+ transactions per hour; the conflict is unresolved |
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Evidence
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- Last reviewed
- Primary source
- decentro.tech
Technical profile details
Record ID
cfa3d860-8e7d-4df4-a91c-b211e9c4a001Canonical URLhttps://profiles.scribble.network/listing/decentro-cfa3d860