Dock
Dock is a Brazil-headquartered, BACEN-regulated payment institution operating the Dock One cloud-native platform for card issuance, acquiring, Banking as a Service, and fraud prevention across 11 Latin American countries, serving 400+ banks, fintechs, retailers, and enterprises.
- Company typePrivate
- Founded1999
- HeadquartersSão Paulo, Brazil
- Headcount1,001–5,000
- GTM typeB2B
- OfferingSoftware
What Dock does
Dock is a Latin American financial technology infrastructure provider that operates a cloud-native, API-first platform—branded Dock One—delivering Banking as a Service, card issuance and processing, acquiring, fraud prevention, and instant payment connectivity to banks, fintechs, retailers, marketplaces, and large enterprises. The company is regulated as a Payment Institution by the Central Bank of Brazil with direct Pix participation (bank code #301), holds BIN sponsorship arrangements with 30+ card networks including Visa, Mastercard, Elo, and Amex, and maintains deep integrations into LATAM payment rails such as Pix, SPEI, CoDi, DiMo, and Colombia's Bre-B. Dock reports processing R$1.4 trillion annually across 70 million active accounts, 1.3 billion Pix transactions per year, and 400+ enterprise clients in 11 Latin American countries, with operational scale reaching 56 financial operations per second.
The company's product portfolio is modular: Dock One provides the unified API layer; Dock Core and Dock BaaS offer customization and Banking-as-a-Service deployment; and discrete modules cover Cards & Credit (credit, debit, prepaid, private label, multibenefits, global, consignado), Banking (digital account, Pix, boletos, Open Finance), Acquiring (white-label POS and e-commerce), and Fraud Prevention (biometric, behavioral, transactional). Dock earns revenue through a mix of transaction-based fees on card processing and acquiring, subscription and platform fees for BaaS and fraud services, and licensing-style revenue from BIN sponsorship. Pricing is quote-based under multi-year enterprise contracts, with no public pricing.
Dock was founded over 25 years ago and is led by CEO Antonio Soares. It is venture-backed—reaching unicorn status (>$1.5B) in a May 2022 $110M round led by Lightrock and Silver Lake Waterman following an earlier ~$170M round in October 2020—and has executed acquisitions including Muxi (2020), BPP (2021, pending Central Bank approval), and CacaoPaycard (2021) to extend its BaaS, processing, and card capabilities. The company operates from Barueri (São Paulo) with offices in Mexico City and Colombia, and is expanding through partnerships such as the Ant International AI-credit collaboration and infrastructure roles on Colombia's Bre-B instant payment system.
Dock firmographics
Firmographics- Name
- Dock
- Legal name
- Dock
- Website
- https://dock.tech
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Dock is a Brazil-headquartered, BACEN-regulated payment institution operating the Dock One cloud-native platform for card issuance, acquiring, Banking as a Service, and fraud prevention across 11 Latin American countries, serving 400+ banks, fintechs, retailers, and enterprises.
- Ownership category
- akta.pro rank
Dock industry classification
Industry- Product category
- Banking-as-a-Service / Payment Infrastructure
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Card Issuing Platforms (Issuer Processing) (FSAGABAD)
- akta.pro secondary industry
- Embedded Card Issuing & Card-as-a-Service (FSAGALAC)
Keywords
Where Dock is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices3 records
Markets served
Dock business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Card Processing and Transaction Fees: Revenue from processing credit, debit, and prepaid card transactions. Fees are charged per transaction processed through the platform, including authorization, clearing, and settlement services.
- Banking as a Service Platform Fees: Subscription and platform fees for access to Dock One infrastructure including digital accounts, Pix, TED, boleto processing, and other banking services. Modular pricing allows companies to pay for specific modules used.
- BIN Sponsorship Services: Revenue from providing regulatory infrastructure and BIN sponsorship enabling companies to issue cards without obtaining their own banking license.
- Fraud Prevention Services: Fees for real-time fraud monitoring, biometric authentication, background checks, and transactional fraud detection services.
- Acquiring Services: Revenue from white-label acquiring solutions enabling companies to process card payments at point-of-sale and e-commerce.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Quote-based enterprise pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Dock product offering
Product offeringCore offering
Dock provides a cloud-native, full-stack financial infrastructure platform (Dock One) that enables banks, fintechs, retailers, and enterprises to launch and operate card programs (credit, debit, prepaid), digital accounts, payment processing (Pix, SPEI, cards), acquiring, BIN sponsorship, and AI-driven fraud prevention through modular APIs. The company is a regulated Payment Institution under the Brazilian Central Bank with direct Pix participation, serving 400+ clients across 11 Latin American countries and processing R$1.4 trillion annually.
Product overview
Dock is a Latin American payments infrastructure and digital banking platform providing a comprehensive full stack of financial services solutions. The flagship Dock One platform integrates all core modules—Cards & Credit, Banking, Acquiring, and Fraud Prevention—into a single modular, API-based environment, supplemented by Dock Core for customization and Dock BaaS for Banking-as-a-Service deployment. The company operates as a licensed Payment Institution in Brazil (with direct Pix participation) and provides infrastructure across 11 Latin American countries, processing over R$1.4 trillion annually with 70 million active accounts and serving over 400 enterprise clients including banks, fintechs, retailers, and marketplaces.
Differentiator
Problem solved
Functional benefit
Brands
- Dock One: Cloud native financial services platform, the largest and most complete in Latin America, offering modular APIs for payments and banking infrastructure.
- Dock Core
- Dock BaaS
- Dock Colombia
- Dock México
Products and services
- Dock One Cloud-native, full-stack financial services platform integrating all technology layers — banking, cards, credit, fraud prevention, and acquiring — in a single modular API-based environment for companies to build, operate, and scale financial services. Designed for banks, fintechs, and enterprises across Latin America.
- Dock Core Core infrastructure layer providing customization, flexibility, and agility for businesses to differentiate their financial services offerings with personalization capabilities and modular components.
- Dock BaaS Banking as a Service infrastructure enabling companies to leverage their core business and unlock financial services capabilities without becoming a licensed financial institution.
- Cards & Credit End-to-end card issuance and credit processing solution covering the complete lifecycle from application intake to invoice payment, supporting credit, debit, prepaid, private label, multibenefits, global, and consignado cards across Visa, Mastercard, Elo, and Amex networks.
- Banking Digital banking infrastructure providing payment solutions including Pix instant payments, boleto processing, Open Finance connectivity, and digital account capabilities for issuing banks and fintechs.
- Acquiring End-to-end white-label acquiring solution enabling businesses to transform into payment acceptors with POS processing, real-time software updates, and transaction monitoring capabilities.
- Fraud Prevention AI-powered fraud detection and prevention platform combining technology, data intelligence, and rapid implementation with biometric authentication, background checks, transactional antifraud, and behavioral analysis for the customer journey.
- BIN Sponsor Bank Identification Number sponsorship service enabling non-financial institutions to issue cards under Dock's licensed relationships with card networks, providing regulatory compliance without requiring own banking licenses.
- Dock Colombia Country-specific Dock operations and solutions for Colombia, including support for Bre-B instant payments and local payment infrastructure.
- Dock México Country-specific Dock operations for Mexico with solutions integrating SPEI, CoDi, DiMo, and local card processing capabilities.
Quantifiable outcome
- R$1.4 trillion processed annually
- +6 more outcomes
Companies that use Dock
Customer profileNamed customers19 records
Segments5 records
Ideal customer profiles3 records
Dock technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
AI capability3 records
Feature7 records
Dock partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- Ant InternationalcoreStrategic partnership to introduce AI-driven credit technology solutions in Brazil aimed at increasing financial inclusion for underserved market segments. Collaboration optimizes credit decision processes, improves risk assessments, and expands access to credit for micro, small, and medium-sized enterprises (MSMEs), fostering broader economic development.
- CredibancocoreOne of the main payment processing networks in Colombia. In the Bre-B context, Credibanco acts as infrastructure enabling transaction capture and processing, especially in retail, ensuring merchants are able to accept the new instant payment method at point-of-sale and online.
- ACH ColombiacoreColombia's ACH network operator with Transfiya instant payment solution. Partnered to adapt infrastructure to comply with new interoperability standards for Bre-B instant payments system.
- RedebancoreMajor Colombian payment network adapting its infrastructure to support Bre-B instant payment interoperability standards, enabling cross-network transactions.
- MastercardcoreParticipated in live agentic payment transactions across Latin America and the Caribbean using Mastercard Agent Pay infrastructure. Dock was one of multiple banks and processors demonstrating real-world issuer and processor adoption of AI-driven payment capabilities.
- Banco de la República de ColombiacoreCentral Bank of Colombia managing Bre-B instant payments system. Dock providing infrastructure for the system launched in October 2025, working with a team of 20 specialists dedicated to development and operationalization.
- VisacoreMajor card brand with licensed partnership for card issuance and processing. Dock processes cards with Visa brand among approved brands including Visa, Mastercard, Elo, Amex and 30+ total brands.
- MastercardcoreMajor card brand with licensed partnership for card issuance and processing. Dock processes cards with Mastercard brand among approved brands.
- ElocoreBrazilian card brand with licensed partnership. Dock processes cards with Elo brand as part of 30+ approved card brands.
- BPP (Banco Postal Profissional)coreAcquired regulated Payment Institution specializing in Banking as a Service (BaaS). Pending Central Bank of Brazil approval, the acquisition would allow Dock to directly integrate into the Brazilian National Financial System, expanding transaction options and client portfolio.
Scale indicators11 records
Recent moves6 records
Expansion highlights6 records
Dock competitors and assessment
Company assessmentMarket position
Competitive moat7 records
Key risks5 records
Key highlights7 records
Customer concentration
Dock social profiles
Digital presenceDock compliance and trust
Trust signalCompliance6 records
Dock financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dock leadership team
Management profileNumber of profiles
Profiles7 records
Dock subsidiaries and ownership
Company hierarchySubsidiaries3 records
Dock funding detail
Funding detailFunding overview
Funding rounds4 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dock M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Dock
What does Dock do?
Dock provides a cloud-native, full-stack financial infrastructure platform (Dock One) that enables banks, fintechs, retailers, and enterprises to launch and operate card programs (credit, debit, prepaid), digital accounts, payment processing (Pix, SPEI, cards), acquiring, BIN sponsorship, and AI-driven fraud prevention through modular APIs. The company is a regulated Payment Institution under the Brazilian Central Bank with direct Pix participation, serving 400+ clients across 11 Latin American countries and processing R$1.4 trillion annually.
Is Dock a public or private company?
Dock is a private company. It is classified as venture growth investor backed and is currently operating.
When was Dock founded?
Dock was founded in 1999. It employs 1,001 to 5,000 people.
Where is Dock based?
Dock is headquartered in São Paulo, Brazil, in the Latin America region.
How does Dock make money?
Five revenue lines are on record. Card Processing and Transaction Fees are the primary driver. The others are banking as a Service Platform Fees, BIN Sponsorship Services, fraud Prevention Services and acquiring Services.
Does Dock have an API?
Yes. Dock offers a modular API-based platform enabling companies to launch and operate financial services including card issuance, digital accounts, Pix payments, fraud prevention, and acquiring. The platform supports white label deployment and provides integration through open, standardized APIs for card processing, tokenization, 3DS authentication, credit management, and payment orchestration. Developer documentation is at developers.dock.tech.
What industry is Dock in?
Dock's product category is Banking-as-a-Service / Payment Infrastructure. Its primary akta.pro industry code is FSAGABAD, Card Issuing Platforms (Issuer Processing), with a secondary code of FSAGALAC, Embedded Card Issuing & Card-as-a-Service. Its NAICS code is 51821 and its SIC code is 6141.