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SPECIFICTION
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Dock

dock.tech

WebAPI
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Spec score 7.6 #13 of 31 in Banking-as-a-Service Platforms

What it is

Dock provides payments and banking technology that companies can use to create financial services for customers. Its Dock One platform is intended to support operations across markets, with cloud-native architecture, one API integration point, and configuration by country, currency, and business model. Dock describes its architecture as modular and event-based. The core ledger handles multiple currencies and balances, customizable accounts, transaction rules, approval flows, and reports. Spending Control sets limits by merchant type, time, amount, and period, individually or in groups. Dock lists card issuing, digital accounts, acquiring, and fraud prevention among its services. Its white-label banking includes digital accounts, branded debit cards, Pix transfers, bill payments, and boleto payments. Acquiring supports in-person and online payment acceptance through options including POS, TEF, Pix, Tap On Phone, payment links, APIs, and Pix Checkout. Fraud tools include real-time transaction monitoring and communication by SMS, WhatsApp, and email. Dock says it is regulated by Brazil's Central Bank. Pricing is on request; the listed supported region is Latin America.

Spec sheet

Product
Dock provides payments and banking technology and infrastructure that companies can use to create and offer financial services.Read 3 Oct 2026 · dock.tech
Security
Dock says confidentiality, integrity, and secure availability of information are priorities, and that it follows information-security laws, standards, best practices, and international standards.Read 3 Oct 2026 · dock.tech
Support
Dock’s developer portal directs users who need help to its Help Center.Read 4 Oct 2026 · developers.dock.tech
Headquarters
Barueri, São Paulo, BrazilRead 28 Sep 2026 · dock.tech
Founded
1999Read 28 Sep 2026 · dock.tech
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.Read 4 Oct 2026 · dock.tech
API security
Dock says API communication uses HTTPS with TLS, and integration tokens are delivered using PGP encryption.Read 4 Oct 2026 · developers.dock.tech
Banking
Dock’s white-label banking offering includes digital accounts, branded debit cards, Pix transfers, bill payments, and boleto payments.Read 4 Oct 2026 · dock.tech
Cards
Dock provides card processing and card programs, including transaction authorization, settlement, chargeback management, and reconciliation.Read 4 Oct 2026 · dock.tech
Certifications
Dock’s compliance page lists ISO/IEC 22301, ISO/IEC 27001, ISO/IEC 27701, PCI DSS, PCI PIN Security, and ISAE 3402.Read 4 Oct 2026 · dock.tech
Cloud architecture
Dock One uses cloud-native architecture.Read 3 Oct 2026 · dock.tech
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.Read 3 Oct 2026 · dock.tech
Configurable operations
Dock One lets companies configure operations by country, currency, and business model.Read 4 Oct 2026 · dock.tech
Configuration
Dock One can be configured by country, currency, and business model.Read 3 Oct 2026 · dock.tech
Developer integration
Dock’s developer documentation organizes APIs into platforms for Dock One, Banking, Cards & Credit, and Acquiring.Read 4 Oct 2026 · developers.dock.tech
Dock One
Dock One is a cloud-native, integrated platform with a single API for financial-services operations.Read 4 Oct 2026 · dock.tech
Financial services
Dock lists card issuing, digital accounts, acquiring, and fraud prevention among its financial services solutions.Read 3 Oct 2026 · dock.tech
Fraud communications
Its multichannel communication service can use SMS, WhatsApp, and email to validate transactions and help prevent fraud.Read 4 Oct 2026 · dock.tech
Fraud prevention
Dock says its transaction monitoring uses artificial intelligence to detect suspicious behavior in real time and reduce false positives.Read 4 Oct 2026 · dock.tech
Integration
Dock One offers one API as a single integration point for implementation.Read 3 Oct 2026 · dock.tech
Ledger
Its core ledger supports multiple currencies and balances, customizable accounts, transaction rules, approval flows, and reports.Read 3 Oct 2026 · dock.tech
Payments
Its banking solutions include payment methods such as Pix, boletos, and Open Finance.Read 3 Oct 2026 · dock.tech
Platform modules
Dock One describes a modular, event-based architecture with specialized components.Read 3 Oct 2026 · dock.tech
Regulatory status
Dock says it is a payment institution regulated by Brazil's Central Bank.Read 3 Oct 2026 · dock.tech
Sales and pricing
The site directs businesses to contact its commercial team for information about solutions; it does not state a public product price on the pages reviewed.Read 4 Oct 2026 · dock.tech
Spending controls
Spending Control supports limits by merchant type, time, amount, and period, configured individually or in groups.Read 3 Oct 2026 · dock.tech
What Dock does
Dock provides financial technology infrastructure that lets companies create and offer financial services to their customers.Read 4 Oct 2026 · dock.tech

Strong points and limits

Strong points

  • Dock One offers one API integration point
  • Operations can be configured by country and currency
  • Ledger supports multiple currencies, rules, approvals, and reports
  • White-label banking includes Pix and boleto payments
  • Fraud tools include real-time monitoring and customer messaging

Limits

  • Pricing is available on request
  • Listed supported region is Latin America
  • Dock is regulated by Brazil's Central Bank

Who it suits

Dock suits companies seeking configurable payments or banking infrastructure, including white-label banking, card issuing, acquiring, or fraud prevention. Its listed supported region is Latin America.

Verdict

Dock describes a broad set of banking, card, acquiring, and fraud-prevention capabilities, with configurable Dock One infrastructure. Businesses need to contact its commercial team for pricing.

Where Specifiction places it

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