Decentro vs Dock
Decentro
decentro.techDock
dock.techSide by side
| Figure | Decentro | Dock |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Banking-as-a-Service Platforms | 8.1 (#6) | 7.6 (#13) |
| Integration | Decentro provides a test environment and shares test API credentials after onboarding a platform. | Dock One offers one API as a single integration point for implementation. |
| Product | Decentro describes itself as a full-stack Banking-as-a-Service platform offering financial modules through APIs and SDKs. | Dock provides payments and banking technology and infrastructure that companies can use to create and offer financial services. |
| Security | Decentro says its dashboard uses MFA and its systems use AES256 and RSA4096 encryption standards. | Dock says confidentiality, integrity, and secure availability of information are priorities, and that it follows information-security laws, standards, best practices, and international standards. |
| Support | The escrow page describes 24x7x365 priority support via email, phone, and Slack. | Dock’s developer portal directs users who need help to its Help Center. |
Plans
In their own words
Decentro
Decentro is a Banking-as-a-Service platform that provides financial modules through APIs and SDKs. Its global collection service lets businesses accept international payments in local currencies through a unified API, with payment options including cards, SWIFT, SEPA, domestic transfers, and virtual accounts. The collection page lists 9+ currencies, though available collection and settlement currencies depend on Decentro’s licenses and support as a payment service provider.
Other offerings include multi-currency accounts, escrow, and a ledger for transactions and balances. The multi-currency escrow service supports holding, splitting, and releasing funds, and lists USD, GBP, EUR, AED, AUD, and JPY. Incoming payments can be matched to invoices. A web dashboard shows transaction data and balances, supports payment initiation, and provides reconciliation reports.
Dock
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.