Global payment processing company DECTA is strengthening its collaboration with payment data intelligence pioneer actuary.aero. The partnership is designed to enhance risk management capabilities and drive growth across the travel sector by leveraging advanced data intelligence to tackle the complexities of deferred delivery transactions.
The travel industry has long presented a unique challenge for payment acquirers. Unlike standard retail transactions where goods are exchanged immediately, travel payments often involve a significant time lag between the customer paying for a ticket or holiday and the actual service being delivered. This “deferred delivery” window creates a substantial risk exposure for acquirers, who may be liable for refunds if a merchant fails to deliver the service due to insolvency or operational disruption.
Closing the visibility gap
Traditionally, acquirers have managed this risk by holding significant cash reserves or delaying fund releases to merchants—practices that can strangle cash flow for travel businesses. DECTA’s expanded partnership with actuary.aero aims to solve this by providing granular, real-time visibility into risk exposure.
Through the actuary.aero-powered MPEI platform, DECTA gains comprehensive insight into the true risk profile of its travel merchants. This data-driven approach moves beyond blunt risk assessment tools, allowing for more accurate credit assessments based on actual transaction data and market intelligence.
Scott Dawson, UK CEO at DECTA Limited, commented on the strategic value of the collaboration: “This partnership empowers us to bring a new level of transparency and intelligence to risk management. With actuary.aero, we’re leveraging data-driven insights to assess credit risk more accurately and release funds with greater confidence. This enables our merchants to grow efficiently while unlocking new opportunities for DECTA.”
Optimising cash flow for travel merchants
For travel merchants, the benefits of this “smarter” risk management are tangible. By giving acquirers like DECTA the confidence to release funds more efficiently, businesses can optimise their working capital. In a sector with tight margins and high operational costs, improved cash flow liquidity is often a critical differentiator for growth.
Livia Vité, CEO at actuary.aero, highlighted the operational impact of the solution: “We’re excited to collaborate with DECTA to support their enhanced capabilities in the travel sector and beyond. Together, we deliver a robust solution that helps merchants optimise cash flow, streamline reporting, and minimize risk – giving them greater clarity and control over their payments strategy.”
The collaboration creates a new framework for navigating the high-risk landscape of travel payments. By combining DECTA’s acquiring and processing infrastructure with actuary.aero’s AI-powered dashboards and risk intelligence, the partners are setting a new standard for how deferred delivery risk is managed.
The approach balances the need for robust protection against financial exposure with the agility required by modern travel businesses. This helps to build resilience across the travel payments ecosystem, ensuring that acquirers remain secure while merchants get the liquidity they need to operate and expand.
DECTA, which holds direct licenses with Mastercard and Visa and is certified with UnionPay International, serves a global client base including banks, fintechs, and payment service providers. The partnership with actuary.aero reinforces its commitment to delivering tailored, value-added services to the travel vertical, a sector that demands specialized expertise to navigate its unique financial risks.
The post DECTA and actuary.aero Partner to Drive Smarter Risk Management in Travel Payments appeared first on The Fintech Times.
