Decta is an Irish EMI that delivers a suite of payment services to businesses operating across Europe. Their offering includes payment gateway solutions, merchant accounts, and card services.

When Decta received its authorisation in 2024, regulatory obligations kicked in immediately - but with a tight deadline, they needed a fast, reliable solution that could support reporting and help them hit key compliance milestones from day one.

The Challenge

Decta needed to submit its first regulatory return shortly after authorisation. The team had to move quickly to get the right systems in place, deliver accurate reports, and meet technical XML/XBRL formatting requirements without missing deadlines.

They also needed to ensure finance and compliance could work together on the process, even as the business was ramping up operations.

Our Solution

Decta had to move fast. Complyfirst onboarded the team within 24 hours, giving them everything they needed to prepare, validate, and submit their return on time — no errors, no delays.

Key features included:

• Guided onboarding for first return
• Built-in XBRL output and CBI-ready formatting
• Rapid turnaround with real-time validation
• Collaborative workflow between finance and compliance

The Results

Partnering with Complyfirst enabled Decta to:

1. Achieve day-one compliance: Live and reporting within 24 hours — an outcome that would take much longer at legacy institutions
2. Submit error-free returns: Despite being early in their operational setup, Decta filed clean reports.
3. Establish audit-ready governance from the start: The platform aligned finance and compliance teams from day one, creating a reliable and repeatable reporting process.

What's Next

With day-one compliance, Decta can scale fast, confident their reporting is accurate and audit-ready. Partnering with Complyfirst lets them enter new markets and launch products without compliance getting in the way.