Cepta is a secure, global payment gateway and financial technology platform. We provide a comprehensive suite of solutions, including B2B payments, cross-border remittance, Stable Coin On/Off-Ramp, and Bank-as-a-service (BaaS).
Cepta simplifies B2B payments by enabling businesses to seamlessly accept payments from all channels; online, mobile, and in-person while providing a unified dashboard for reconciliation and management.
We enable cost-efficient and faster cross-border remittances by using local payment rails like FPS (UK), SEPA (EU), and Wire (US), which are a significant improvement over traditional SWIFT-only models.
Yes, security is our top priority. We are a FINTRAC MSB regulated business in Canada and are a PCI-DSS compliant gateway to protect cardholder data. We also have built-in AML/CTF and fraud monitoring.
Our integrated multi-currency accounts allow you to collect, hold, and transact in multiple currencies (USD, GBP, EUR, NGN, and more), improving cash flow and reducing currency conversion costs.
Our Stable Coin On/Off-Ramp allows your business to quickly convert fiat currency to stablecoins (like USDC/USDT) and back again. This is ideal for near-instant cross-border settlements, especially for Web3 businesses and suppliers.
Our BaaS solution provides a plug-and-play banking infrastructure via API, allowing businesses like marketplaces and neobanks to offer financial services such as white-label sub-accounts and virtual IBANs to their users.
Our payment gateway offers multi-channel acceptance through various methods, including credit cards (Visa, Mastercard, Amex), mobile wallets, and bank transfers, all through a single integration.
Yes, Cepta’s unified dashboard gives you a live, real-time overview of all your gateway transactions, enabling easy reconciliation and providing valuable insights into your business’s financial health.
By offering competitive acquiring rates and transparent FX conversion, our platform helps you lower operational costs and improve profitability, especially for businesses with high remittance volumes.
Cepta is used across a range of industries, including Airlines & Travel, Marketplaces, Retail & eCommerce, and Digital Services for use cases such as ticketing, seller payouts, and subscriptions.
We offer seamless integration via an Embedded API, a hosted checkout page, or a mobile SDK, allowing you to choose the best option to fit your technical and business needs.
The OTC & FX Desk provides businesses with high remittance and FX volumes access to institutional-grade liquidity for bulk remittances, treasury FX, and crypto-fiat conversions.
Yes, our platform is scalable and built to serve businesses from SMEs to large enterprises with millions in transaction volume.
A cardholder initiates a payment, the funds are routed through Cepta’s secure gateway, and the net proceeds are settled directly into your Cepta account for easy access.
Our platform offers instant settlement, meaning net proceeds from your transactions flow into your Cepta account immediately, which significantly improves your cash flow.
Cepta has a global presence with local rails in the United Kingdom, Canada, Nigeria, Tanzania, Ghana, and Kenya, giving you access to a wide range of international markets.
Cepta’s BaaS solution and ledger for fund allocation allow marketplaces to give sellers instant payouts to virtual IBANs and manage internal funds seamlessly.
Know Your Customer (KYC) is a mandatory global regulation. It verifies the identity of all users and businesses to prevent financial crime and fraud. We handle this entire process for you.
We use bank-grade security, including end-to-end encryption and Multi-Factor Authentication (MFA). We are PCI-DSS certified, meaning your card data is protected at the highest level.
We use advanced AI and Machine Learning to monitor every transaction in real-time. Our system flags unusual behavior immediately to stop fraudulent activity before it causes losses.
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- 1975 McCallum Rd, Unit 115 Abbotsford, BC V2S 3N3, Canada