Dock
Barueri, São Paulo, Brazil
What it is
Dock provides payments and banking infrastructure for companies creating financial services. Dock One supports operations across markets through cloud-native architecture and one API integration point, with configuration by country, currency, and business model. Its modular, event-based platform includes a multi-currency ledger, customizable accounts, transaction rules, approval flows, reports, and spending limits by merchant type, time, amount, or period. Services include card issuing, digital accounts, acquiring, and fraud prevention. White-label banking covers digital accounts, branded debit cards, Pix transfers, bill payments, and boletos. Acquiring supports in-person and online acceptance through POS, TEF, Pix, Tap On Phone, payment links, APIs, and Pix Checkout. Fraud tools monitor transactions in real time and communicate through SMS, WhatsApp, and email. Dock says it is regulated by Brazil’s Central Bank and lists ISO/IEC, PCI DSS, PCI PIN Security, and ISAE 3402 certifications. APIs use HTTPS with TLS, while integration tokens use PGP encryption. Pricing is available on request.
For and against
For
- Single API integration point
- Configurable by country and currency
- Multi-currency ledger with transaction rules
- White-label banking and acquiring options
- Real-time fraud monitoring
Against
- Pricing is available only on request
- Supported region listed as Latin America
- Operations depend on API integration
- Regulatory status is Brazil-specific
The verdict
Dock offers configurable infrastructure spanning accounts, cards, payments, acquiring, and fraud controls. Its regional focus, integration model, and request-based pricing should shape a buyer’s evaluation.
Who it suits
Dock suits companies in Latin America building banking, card, payment, acquiring, or fraud-prevention services. It is intended for businesses needing configurable infrastructure and API-based integration.
On the record
- Acquiring
- Dock offers white-label acquiring with in-person and online payment acceptance, including POS, TEF, Pix, Tap On Phone, payment links, APIs, and Pix Checkout.dock.tech · read 4 Oct 2026
- API security
- Dock says API communication uses HTTPS with TLS, and integration tokens are delivered using PGP encryption.developers.dock.tech · read 4 Oct 2026
- Banking
- Dock’s white-label banking offering includes digital accounts, branded debit cards, Pix transfers, bill payments, and boleto payments.dock.tech · read 4 Oct 2026
- Cards
- Dock provides card processing and card programs, including transaction authorization, settlement, chargeback management, and reconciliation.dock.tech · read 4 Oct 2026
- Certifications
- Dock’s compliance page lists ISO/IEC 22301, ISO/IEC 27001, ISO/IEC 27701, PCI DSS, PCI PIN Security, and ISAE 3402.dock.tech · read 4 Oct 2026
- Cloud architecture
- Dock One uses cloud-native architecture.dock.tech · read 3 Oct 2026
- Company history
- Dock's history page says its journey began in 1999 with the founding of Conductor, and that Dock was formed within Conductor in 2018.dock.tech · read 3 Oct 2026
- Configurable operations
- Dock One lets companies configure operations by country, currency, and business model.dock.tech · read 4 Oct 2026
- Configuration
- Dock One can be configured by country, currency, and business model.dock.tech · read 3 Oct 2026
- Developer integration
- Dock’s developer documentation organizes APIs into platforms for Dock One, Banking, Cards & Credit, and Acquiring.developers.dock.tech · read 4 Oct 2026
- Dock One
- Dock One is a cloud-native, integrated platform with a single API for financial-services operations.dock.tech · read 4 Oct 2026
- Financial services
- Dock lists card issuing, digital accounts, acquiring, and fraud prevention among its financial services solutions.dock.tech · read 3 Oct 2026
- Fraud communications
- Its multichannel communication service can use SMS, WhatsApp, and email to validate transactions and help prevent fraud.dock.tech · read 4 Oct 2026
- Fraud prevention
- Dock says its transaction monitoring uses artificial intelligence to detect suspicious behavior in real time and reduce false positives.dock.tech · read 4 Oct 2026
- Integration
- Dock One offers one API as a single integration point for implementation.dock.tech · read 3 Oct 2026
- Ledger
- Its core ledger supports multiple currencies and balances, customizable accounts, transaction rules, approval flows, and reports.dock.tech · read 3 Oct 2026
- Payments
- Its banking solutions include payment methods such as Pix, boletos, and Open Finance.dock.tech · read 3 Oct 2026
- Platform modules
- Dock One describes a modular, event-based architecture with specialized components.dock.tech · read 3 Oct 2026
