Worker’s Food Program (PAT, in Portuguese):
Food voucher
Meal voucher
Culture Voucher
Health;
Mobility;
Flexible balance;
And much more!
The challenge of market concentration in PAT
With over 300 companies and 23 million registered workers, PAT represents a massive market. However, it is dominated by a few companies that control 90% of the market share.
Offer the management of multiple benefits with Dock's Multi-benefits Card
Multi-benefit card with Your Brand
With Dock's Multi-benefits Card, you get a white-label solution—a card with your brand and full control to manage multiple benefit balances:
Worker’s Food Program (PAT, in Portuguese):- Food voucher
Meal voucher- Culture Voucher
- Health;
- Mobility;
- Flexible balance;
- And much more!
A market worth over
150 billion BRL that keeps
growing
Discover how recent changes in the Worker’s Food Program (PAT) can be a great opportunity for your business.
-
Recent regulatory transformations
The corporate benefits market has undergone significant regulatory changes. 
Opportunities for new players
With the new rules, the benefits market is growing. This is an opportunity for new companies to enter and stand out.
Before
Closed-loop arrangement with a proprietary brand- Requires enabling the (proprietary) brand across all acquirers
the acquirers - Requires negotiating acceptance with all merchants
- Customized remuneration model
- Few players
Closed-loop arrangement with a proprietary brandNow
Open-loop arrangement with major brands- No need to work with acquirers
- Automatically accepted at millions of merchants
- Transaction interchange (2,05%)
- Increased competition
Open-loop arrangement with major brandsDock is the best choice to operate your Multi-benefits Card
Rely on the expertise of a company that has already empowered over 400 businesses in Brazil and Latin America to offer financial services.
- Percentage share of interchange revenue
- Earnings from brand settlement cycles
- Revenue from account balances held by cardholders
- Brand licensing and full regulatory support
- Stability and security through Dock’s robust infrastructure
- Certified partners for developing your app and HR portal
MULTI-BENEFITS CARD SOLUTIONS
Various possibilities for different types of businesses
Fintechs with B2B solutions
Looking to start a multi-benefits business or expand their portfolio in a continuously growing market.
Benefit companies
Looking to rapidly enhance their offerings using cutting-edge technology.
Companies with a large workforce
Seeking a benefits card branded with their own company identity while also creating a new revenue stream.
Banks with B2B solutions
Looking to expand their portfolio of offerings, driving customer loyalty and profitability.
CONTACT US
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In the meantime, how about learning more about the future of the payments ecosystem and banking on our blog?
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