Dock vs Railsr

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.

Railsr is an embedded finance platform for companies adding financial services to digital products. Its capabilities include wallets and accounts, debit, prepaid, credit and virtual cards, money transfers and reward programmes. Railsr says its APIs place these services within a brand’s digital journey, with the platform operating behind the scenes. It packages close to 100 integrations under a single API and commercial agreement. Developers can use the Play Sandbox API, a functional coding environment that uses fake money. The platform is offered through API and web and lists fintechs, sports clubs, retailers and brands among its intended customers. A free plan and trial are listed, while other pricing is available on request. For regulated services, customers contract with PayrNet, Railsr’s wholly owned subsidiary; Railsr provides technology services. Railsr says new agents or distributors cannot be onboarded without prior written FCA consent.