Column vs Dock

Column is a nationally chartered bank providing banking infrastructure and APIs for companies building financial products. Its payment connections include the Federal Reserve, The Clearing House, SWIFT and card networks, for moving money in the United States and globally. APIs support checking, savings, trust, subledger, clearing and sweep accounts, including multiple account numbers for a single account. Column says its programmatically created bank accounts are FDIC-insured.

Companies can launch debit, credit, unsecured, charge or secured card programs, using their own balance sheet or Column’s. Lending offerings include credit origination, warehouse and forward flow facilities, with dedicated funding for lending programs. Column also describes support for USDC and USDT, accounts and cards for verified customers globally, and foreign-currency accounts with conversion to and from U.S. dollars. Its card issuing connects to Visa and Mastercard and supports Apple Pay, Google Pay, Samsung Pay and Garmin Pay. Developers can use API documentation, a sandbox and payment workflow guides. Column says its security program follows NIST and FFIEC guidance and is subject to governmental audits and independent third-party assessments. Pricing is on request; prospective customers are directed to contact sales.

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.