Launch your operation with the largest card processor in Latin America

Take advantage of the most complete and robust payment processing platform to create the best experiences with total flexibility, using Dock's licenses or your own licenses.

Illustration - Launch your operation with the largest card processor in Latin America

For every moment, end-to-end security
Only with Dock!

Customized cards with the brands your customers trust. You focus on relationships, we handle the operations.

A robust framework ready to use

Rely on over 20 years of expertise as a card processor, and simplify the process of structuring and launching your financial operation.

Card Processing

Leverage the most complete and robust processing platform to create the best experiences with total flexibility, using Dock's licenses or your own licenses.

Preparation of files for card printing by embossing facilities.

Real-time and offline (stand-in) validation of transactions and balance/limits, including flexible limit options.

Financial settlement of transactions.
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Management of chargeback processes with card networks.

Financial reconciliation of transactions between merchants, payment processors, and issuing banks.

Manages all transactions, including purchases, fees, adjustments, and payments that impact the account balance.

Brand License

Don’t worry about regulatory matters—Dock takes care of that for you! Enjoy the flexibility of contracting our solution according to your business strategy:

Dock Brand License

  • Obtain more attractive costs with the brand due to Dock's high processing volume.
  • We have the infrastructure to settle transactions without requiring your company to have a settlement bank.
  • We manage the delivery of regulatory files to the Central Bank of Brazil (BCB) related to card issuance and all brand reports.
  • Keep brand incentives and operational remuneration with Dock's BIN Sponsor.

Own Brand License

  • Exclusive BIN Sponsor for your company with your own credit or debit card issuer, fully customized, all made possible with Dock's infrastructure.

Card brands

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*CHECK FLAG AVAILABILITY BY SOLUTION.

Have integration with the main wallets on the market:

Credit Card

Transform your business with your own customized credit card operation, featuring your unique colors and characteristics.
  • White Label or Private Label;
  • Physical and virtual cards;
  • Access to the top brands in the market:  Visa, Mastercard, Amex e Elo.

Make your customers even more yours

Rely on the experience of a company that issued over 100 million cards in the last 12 months. We handle every detail: 

Card issuance and processing

Regulatory scope and licenses

Technology through scalable APIs

Security and fraud prevention

Support in treasury operations and reconciliation

Private-Label Card

Become a private label card issuer, offering your own branded card, which can be either associated with a payment brand or not.
  • Without a brand: usage is restricted to your company's network of establishments, offering special benefits to customers such as exclusive discounts, loyalty programs, or promotional offers.
  • With a brand: accepted at a wider range of establishments, including locations where the brand is accepted beyond your own business.

Advantages of Private Label

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The card can be debit or credit.

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Perfect for retailers, department stores, supermarkets, and major brands that want to limit card usage to specific establishments.

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Strengthens the relationship between the company and its customers.

Multibenefits Card

Optimize your employees' benefits with a multi-balance and white-label card. In addition to the benefits of the Workers' Food Program (PAT), such as meal and food vouchers, offer extra balance options according to your company’s policy: 
  • Mobility
  • Health
  • Home Office
  • Culture
  • Education
  • Flexible Balance
LEARN MORE ABOUT THE DOCK'S MULTI-BENEFITS CARD

Dock is the best choice to operate your Multi-Benefit Card

Rely on the experience of a company that has empowered over 400 businesses in Brazil and Latin America to offer financial services.

Percentage share of interchange revenue

Earnings from brand agenda

Revenue from account balances held by cardholders

Brand licenses through Dock's robust infrastructure

Partners to develop your app and HR portal

Global Card

With our Global Card, you offer convenience and ease, allowing your customers to make foreign currency transactions without complications. Be there for all the important moments in your customer’s life, ensuring a seamless, borderless shopping experience.

What are the benefits of the Dock Global Card?

Benefits for the Issuer

  • Reduction of operational costs (Regulatory, Brand Licenses, AML, KYC, etc.) with the International Bin Sponsor model.
  • Expansion of the portfolio of products and services, increasing revenue.
  • Customer loyalty for those needing payment solutions abroad.
  • Brand enhancement with solutions tailored for high-income clients

Benefits for the Cardholder

  • A cheaper and safer payment option for travel. 
  • Foreign currency purchases and the ability to withdraw cash abroad without unexpected exchange rates and with reduced IOF per transaction. 
  • An international branded card accepted at numerous establishments worldwide.

Prepaid and Debit Card

Discover the ideal solution to build customer loyalty by offering prepaid cards, both physical and virtual, for individuals or businesses! With our integrated platform and robust API, we ensure convenience and security in every transaction.

Imagine your company free from worries about technological infrastructure and bureaucracy! With Dock’s licenses, you can focus on what truly matters: growing your business.

The Dock solution offers you numerous advantages!

  • Provide a practical and safer payment method.
  • Custom-branded cards.
  • Simple and seamless card request experience via API.
  • Gain insights into customer behavior and create loyalty programs through our APIs.

Payroll-Deductible Card

Imagine offering your customers an innovative credit card where the bill payment is automatically deducted from their payroll. With the Dock Payroll-Deductible Card, this becomes a reality!

Offer cardholders a convenient and secure way to manage their expenses while your company benefits from a new revenue stream. 

The Dock solution offers you numerous advantages!

  • Become a sub-issuer and provide your customers with an exclusive credit card option, ensuring financial inclusion for social security beneficiaries or public servants.
  • Simplify settlement and ensure payment to your company as a sub-issuer.
  • Manage agreements, liaise with benefit-paying agencies, and comply with product regulations, all with full support from Dock.

Additional revenue sources

  • Earn a percentage of interchange on the total transaction volume.
  • Be compensated for the amount held as collateral to operate the service.
  • Take advantage of fees and interest to further boost your revenue.

Dock is the card processor with the best solution for your company and your customers

For every need, Dock has a solution for your company and your customers.
Credit Prepaid and Debit Payroll-Deductible Private Label Multi-benefits Global Card
Private Wealth ?Card solution for individuals - B2C check icon check icon check icon check icon check icon check icon
Legal person ?Card solution for companies - B2B check icon check icon check icon check icon
Virtual Card ?Attract and retain customers by offering virtual and no-name cards. check icon check icon check icon check icon check icon check icon
Additional Card ?Create and add physical or virtual cards for your customers' dependents. check icon check icon check icon
Digital Wallets ?Eliminating the need for physical cards and cash on hand. check icon check icon
Dynamic CVV ?Adjust the dynamic CVV to fit your business model (per purchase, time-based). check icon check icon check icon check icon check icon
24-Hour Cash Withdrawal ?A solution for your customers to withdraw cash at ATMs 24/XNUMX. check icon check icon check icon check icon
temporary block ?Temporarily lock and unlock cards whenever you want, all through the app. check icon check icon check icon check icon check icon check icon
Loyalty Program ?Take advantage of promotions from your card brand. check icon check icon check icon check icon
3DS ?Prevent fraud by authenticating the cardholder during online payments. check icon check icon check icon check icon check icon

Who trusts our cards & credit solutions

FAQ

The processing platform is the technological infrastructure behind the execution of financial transactions. It can be offered by processing solution providers like Dock, which has all the necessary technology for companies to accept and process payments with credit cards, debit cards, and other means.

Processing begins when a cardholder makes a purchase and is finalized when the amount is transferred to the creditor. However, despite seeming simple, it is complex and involves different stages. When the card is inserted, the transaction is approved or declined in seconds, but for this to happen, the process involves the merchant, the customer, the issuing bank, the acquiring bank, and the payment networks.

The credit card network is an intermediary between the merchant and the operator responsible for the card. Its function is to take care of the transaction, card regulations, and installments. Therefore, to issue cards, offer credit, and establish limits for cardholders, issuers need to have network licenses.

A company's card can have the network that the company desires – as long as the issuer holds such a license. Dock, for example, works with Mastercard, Visa, American Express, and Elo and has reduced costs due to the high volume of processed transactions. In addition to managing settlements, eliminating the need for an intermediary bank, we take care of the network reports.

BIN Sponsor is a term formed by the acronym for “Banking Identification Number” (the first numbers of the card) and “sponsor,” which means sponsor, in free translation. Thus, BIN Sponsor is an institution that already has a relationship with one or more networks and grants BINs to its clients through this partnership. This simplifies the process for businesses that need a more agile go-to-market and lower costs, without the need to have an exclusive BIN.

To contract a BIN Sponsor, it is necessary to find a provider that has a relationship with the networks, as is the case with Dock, which has the necessary licenses and permissions at both national and international levels to act as an intermediary.

It is possible to create a prepaid card, physical or virtual, for individuals or legal entities, by contracting a partner that is an issuer, holds licenses, and has adequate technological infrastructure. Dock offers personalized cards with your brand and simple and smooth experience in requesting cards via API.

The white label card is a model in which the company personalizes the credit card with its own brand and offers it to its customers through a complete structure provided by a company specializing in technology for financial services, such as Dock.

The advantages of the white label card include strengthening the brand, as the card becomes part of the customer's routine, helping to create a closer connection with the brand. In this way, the business also increases the chances of loyalty and generating more interaction. Furthermore, the company retains control of benefits, being able to define and manage reward programs and other promotions.

The private label card is known as a “store card” and is a line of credit offered by an establishment that can be used in the store itself and its network of partners.

Among the advantages of the private label card is the Customer Loyalty, since the card can only be used on the network, it encourages the consumer to make more purchases in the store. With the possibility of offering better payment conditions and offers, there is a increase in the average ticket. In addition, the company also has greater control over the customer experience, being able to adjust loyalty programs according to each person’s preferences.

To have your own card with the lowest costs and an agile time-to-market, it is necessary to have a provider that can offer a complete and secure experience for your company and your customers. Dock is the largest card processor in Latin America and operates in the complete processing cycle, from receipt to payment of invoices.

The private label card without a network has restricted use within the company's network of establishments and may include benefits such as discounts, exclusive offers, and loyalty programs. The private label card with a network is accepted in a wider network of establishments, that is, in other places where the network is accepted, and not just in your store.

The multi-wallet card is a card model that has wallets with balances separated by category. It is generally used for granting benefits, where it can have balances such as Food, Meal, Mobility, Home Office, Rewards, etc.

It is possible to have your own multi-benefit card by hiring the services of a technology provider for financial services that has a flexible benefits platform that adapts to the needs of your business. Dock has an API-based platform and takes care of everything the company needs, including card issuance and processing, regulatory scope and licenses, and fraud prevention.

The global card is an economical and secure choice for payments abroad, in addition to having benefits for those who offer it. For banks and fintechs, it is an opportunity to explore an expanding market, since the spending of Brazilians abroad has grown in recent years. With this offering, institutions can expand their portfolio, increase revenue, and promote brand reinforcement, improving customers' perception of their ability to provide innovative and adaptable solutions.

Digital wallets allow consumers to make payments more quickly and conveniently and are being used more and more. Dock enables BIN Sponsor clients to integrate with the main wallets in the market, such as Apple Pay, Google Pay, and Samsung Pay.

CONTACT US

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