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DOC

Enhancing Batched Electronic Fund Transfers

DOC, which stands for Documento de Ordem de Crédito, is a payment method used in Brazil for batched electronic fund transfers between bank accounts. It offers users a convenient way to transfer funds in bulk, particularly for scheduled or recurring payments.

Documentation
% of coverage
  • Country

    Brazil

  • Population

    217 million (estimated)

  • Number of Internet users

    188 million (estimated)

  • Popular payment methods

    Pix (instant payments), Credit Cards, Debit Cards, Digital Wallets, Cash​

% of coverage
  • Credit Card

    35%

  • Debit Card

    25%

  • Instant Payments (Pix)

    29%

  • E-Wallets

    5%

  • Cash Payments

    5%

  • Bank Transfers

    1%

Payment Method Overview
  • Type:Electronic payment system
  • Currency:Brazilian Real (BRL)
  • % of coverage: > 90% of Brazilian financial institutions
  • Money transfers to date: 10 billion+ transfers (estimated)
  • Total customers: Around 50 million individuals and businesses
  • Refunds: Yes, with limits and conditions
  • Chargebacks:Yes, with limits and conditions.

About payment system

DOC is designed to streamline the process of batched fund transfers, making it suitable for recurring payments such as salaries, rent, and utility bills. Users can initiate DOC transfers through their banks’ online or mobile banking platforms. Unlike real-time transfers, DOC transfers are typically processed in batches and may take longer to reflect in the recipient’s account.

With DOC, users can schedule transfers for a specific date, and the funds are transferred in bulk along with other transactions processed in the same batch. This method is particularly useful for payments that do not require immediate availability of funds.

The significance of DOC lies in its role in simplifying bulk electronic fund transfers in Brazil. By offering a batched transfer solution, DOC supports scheduled payments and provides an efficient alternative to manual handling of multiple individual transactions.

DOC’s commitment to reliability and efficiency is evident in its secure authentication processes, encryption protocols, and user-friendly interface provided by banks. As DOC continues to be adopted by more banks and users, it contributes to reshaping Brazil’s payment landscape, offering individuals and businesses an organized and efficient way to manage recurring fund transfers.

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Payment flow

The customer selects Visa as their payment option and enters their credit card details to complete the payment.

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Pricing

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