Stark Bank
- Company typePrivate
- Founded2018
- HeadquartersSão Paulo, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
Stark Bank firmographics
Firmographics- Name
- Stark Bank
- Legal name
- Stark Bank S.A.
- Website
- https://starkbank.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Stark Bank industry classification
Industry- Product category
- Banking-as-a-Service API
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211), Commercial Banking (522110)
- SIC
- Finance Services (6199), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM)
Keywords
Where Stark Bank is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Stark Bank business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Others
Revenue model
- Transaction and Payment Processing Fees: Fees charged on payment and receiving transactions including card payments (debit 3.5%, credit rates), boleto processing and settlement (R$ 2.00 each), invoice settlement (R$ 0.50), split payments (0.20% TPV), and crypto trading (0.4% flat fee).
- Corporate Card and Credit Services: Credit line services with limits 10-20x higher than traditional banks, corporate cards with 1.5% cashback (no earnings cap), and credit with collateral backed by Digital Fixed Income investments.
- Account Services: Monthly account maintenance fees (R$ 1.00/month after initial free period), late payment fees (2% + 1% monthly interest), and international transaction fees (PTAX + 2% + IOF).
- Value-Added Services: Fees for Boleto Holmes searches (R$ 0.25 per search), Pix key searches, and potentially premium features for large-volume enterprise clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Business Account - Free tier with basic functionality |
| Transaction based/ take rate | Pay-as-you-go | Card Payment Processing |
| Freemium | Pay-as-you-go | Transfer Services |
| Transaction based/ take rate | Pay-as-you-go | Card Acquiring |
| Transaction based/ take rate | Pay-as-you-go | International Transactions |
| Transaction based/ take rate | Pay-as-you-go | Crypto Trading |
| Hybrid | Pay-as-you-go | Enterprise Volume Discounts |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Stark Bank product offering
Product offeringCore offering
Stark Bank provides a Banking-as-a-Service API platform for Brazilian companies, combining a programmable business account with Pix, Boleto, Invoice, and card payment processing, corporate cards, credit lines, fixed income, and crypto. Customers integrate the platform via REST APIs and SDKs to automate cash management, receivables, bill payment, and treasury operations at scale. The offering targets high-growth enterprises and is sold with a free self-serve tier plus enterprise committed-use contracts.
Product overview
Stark Bank operates as a B2B fintech platform offering an integrated suite of financial services for Brazilian companies. The platform is organized around a core Business Account with modular add-ons including Card Payments (card acquiring), Bank Domicile, Pix Subscription (automated recurring payments), Corporate Card with cashback, Invoices & Receivables, Bill Payment, Credit Limit, Digital Fixed Income, and Crypto trading. Additional value-added services include Automatic Floating (automated yield on balances) and Boleto Holmes (payment verification). The entire product suite is accessible via a RESTful API, enabling enterprise customers to integrate banking operations directly into their systems.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Account Cash management business account for companies to centralize working capital, create multiple sub-accounts (administrative, payroll), access credit lines, and run batch operations through native Google Sheets and Excel integrations.
- Card Payments (Card Acquiring) Payment processing solution for receiving online sales via credit and debit cards with automatic reconciliation, authorization rates over 90%, 3DS 2.0 chargeback protection, and card tokenization for recurring purchases.
- Bank Domicile Centralized account for concentrating card-machine receivables from multiple acquirers into a single Stark Bank account, simplifying cashflow visibility and reconciliation.
- Pix Subscription Automated recurring Pix payment collection with single-customer authorization, supporting subscriptions, fixed fees, free trial conversions, and usage-based billing for Brazilian businesses.
- Corporate Card Unlimited physical and virtual corporate cards with 1.5% unlimited cashback, per-cardholder spending controls, real-time dashboards, and Apple Pay / Google Pay integration on Mastercard Corporate Black.
- Invoices & Receivables Real-time invoice management and receivables platform supporting Pix, Boleto, and QR Codes with automatic reconciliation, fines, interest, discounts, partial payments, and dunning management.
- Bill Payment Multi-payment platform for payroll, suppliers, taxes, utilities, and refunds with MailBox email-to-payment conversion, Vision PDF processing, cost center segmentation, approval flows, and Excel / Google Sheets batch operations.
- Credit Limit Business credit lines with limits 10–20x higher than traditional banks, dynamic limit adjustment, and credit backed by Digital Fixed Income collateral.
- Digital Fixed Income Fixed income investment product yielding 100% of CDI with daily liquidity, backed by government bonds and usable as collateral for corporate card credit limits.
- Crypto Institutional digital asset trading for Bitcoin and stablecoins (USDT, USDC) with 0.4% flat fee, 24/7 availability, real-time pricing, and full integration into the Stark Bank workspace.
- Boleto Holmes Boleto payment verification service that confirms payment status within minutes by checking the CIP (Central Bank payment system) registry, accelerating order processing and logistics operations.
Quantifiable outcome
- 30% increased conversion rate when using Invoice instead of Boleto
- +6 more outcomes
Companies that use Stark Bank
Customer profileNamed customers15 records
Segments3 records
Ideal customer profiles1 record
Stark Bank technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature8 records
Stark Bank partnerships and signals
Strategic signalScale indicators9 records
Recent moves4 records
Expansion highlights5 records
Stark Bank competitors and assessment
Company assessmentEmerging players
- Belvo: Latin American Open Banking and financial data API platform enabling account aggregation and A2A payments. Adjacent to Stark Bank's API-first infrastructure with overlap in developer tooling and open-finance use cases.
Direct peers
- dlocal: LatAm-focused payments processor serving global merchants with local payment methods including Pix and Boleto. Comparable to Stark Bank in cross-border payments infrastructure and Pix processing at scale (also a Stark Bank customer).
- Bitso: Latin American crypto and fintech platform offering business and treasury services, with a customer base overlapping Stark Bank's (Bitso appears on Stark Bank's logo wall). Comparable in Brazilian digital asset and treasury offerings.
- Cora: Brazilian digital business banking platform serving SMBs with accounts, payments, invoicing, and credit. Directly comparable to Stark Bank's SME-focused business account and receivables offering in Brazil.
- Dock: Brazilian payments technology company providing card issuing, acquiring, and banking-as-a-service infrastructure to fintechs and corporates. Comparable to Stark Bank's API-first payments and card acquiring stack.
- Conta Simples: Brazilian corporate B2B banking and expense management platform offering business accounts, cards, and financial automation for SMEs. Competes with Stark Bank in Brazilian SMB digital banking and corporate cards.
- Pomelo: Latin American Banking-as-a-Service platform offering card issuing, accounts, and payments infrastructure via API to fintechs and corporates. Directly comparable to Stark Bank in API-first B2B banking infrastructure across LatAm.
- Cloudwalk: Brazilian fintech operating an IP-based payments and banking platform with acquirer, banking, and credit products for SMEs and enterprises. Competes with Stark Bank in Brazilian B2B banking, digital acquiring, and developer-first infrastructure.
Broad incumbents
- Brex: US-based corporate card and business banking platform serving startups and enterprises. Comparable to Stark Bank's Corporate Card, Credit Limit, and integrated treasury stack for growth-stage companies.
- Mercury: US-based business banking platform targeting startups and tech companies with API-first accounts, cards, and treasury. Comparable to Stark Bank's developer-centric business account and API banking model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Stark Bank social profiles
Digital presenceStark Bank compliance and trust
Trust signalCompliance8 records
Stark Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stark Bank leadership team
Management profileNumber of profiles
Profiles1 record
Stark Bank funding detail
Funding detailFunding overview
Funding rounds5 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stark Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stark Bank
What does Stark Bank do?
Stark Bank provides a Banking-as-a-Service API platform for Brazilian companies, combining a programmable business account with Pix, Boleto, Invoice, and card payment processing, corporate cards, credit lines, fixed income, and crypto. Customers integrate the platform via REST APIs and SDKs to automate cash management, receivables, bill payment, and treasury operations at scale. The offering targets high-growth enterprises and is sold with a free self-serve tier plus enterprise committed-use contracts.
Is Stark Bank a public or private company?
Stark Bank is a private company. It is classified as venture growth investor backed and is currently operating.
When was Stark Bank founded?
Stark Bank was founded in 2018. It employs 51 to 100 people.
Where is Stark Bank based?
Stark Bank is headquartered in São Paulo, Brazil, in the Latin America region.
How does Stark Bank make money?
Four revenue lines are on record. Transaction and Payment Processing Fees are the primary driver. The others are corporate Card and Credit Services, account Services and value-Added Services.
Who are Stark Bank's main competitors?
Belvo is listed as an emerging player. Direct peers are dlocal, Bitso, Cora, Dock, Conta Simples, Pomelo and Cloudwalk. Broad incumbents are Brex and Mercury.
Does Stark Bank have an API?
Yes. Stark Bank offers a RESTful API (v2) that enables developers to build banking operations programmatically. The API supports JSON format and provides endpoints for business accounts, transactions, receivables (Invoice, Pix, Boleto, Dynamic Brcode), card payments, bill payments, and credit services. Authentication uses ECDSA (Elliptic Curve Digital Signature Algorithm) with SECP256k1 curve and SHA256 digest for enhanced security. The API is available in both production and sandbox environments, with support for multiple programming languages through official SDKs (Python, Node, PHP, Java, Ruby, Elixir, C#, Go, Clojure). Developers can access comprehensive API documentation, OpenAPI 3.0 specification, and Postman collections. Developer documentation is at starkbank.com/docs/api.
What industry is Stark Bank in?
Stark Bank's product category is Banking-as-a-Service API. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions. Its NAICS code is 5221 and its SIC code is 6199.