Launch your operation with the largest card processor in Latin America

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.