The payment infrastructure engineered for high-volume operations.
Connect your operation to a sub-second transaction engine, native settlement split at source, white-label subaccounts, and the regulatory backing of an audited financial hub.
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DOTFY CORE TRANSACTION ENGINE • NODE SP-01
Four pillars integrated into a single unified core
Explore how Dotfy unifies your enterprise transactional layer with cutting-edge latency, fiscal elasticity, and total operational control.
Transparent mobile checkout rendering in record time
Over 80% of digital transactions happen on mobile devices. Sluggish redirects to external hosted checkouts devastate conversion rates. Dotfy tokenizes cards client-side and generates dynamic Pix within the same sub-second window.
- PCI-DSS Level 1 Tokenization: Cardholder data secured at the edge without sensitive credentials ever touching your servers.
- Dynamic Pix with Real-Time WebSockets: Sub-second payment detection directly via banking messaging rails.
- Native Order Bump & 1-Click Upsells: Maximize average order value with zero re-entry of card credentials.
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Checkout
Automated banking split that eliminates double taxation
In co-production, affiliate, and marketplace partnerships, receiving 100% of gross sales into your balance before manual payouts forces your company to pay tax on revenue that isn't yours.
Dotfy executes ledger splits at the exact moment of Central Bank settlement. Each partner receives their net allocation and issues independent invoices, eliminating cascading double taxation.
Transform Dotfy into your own enterprise gateway
Provision programmatic subaccounts for partners, franchises, or software users via API, keeping your brand front and center while monetizing transactional flow.
Custom Statement Descriptor
Your corporate name appears directly on the customer's bank statement, eliminating confusion and chargeback friction.
Automated Margin Capture
Configure custom pricing tiers for your subaccounts and capture net spread automatically during daily settlement.
Segregated Risk KYC
Delinquencies or chargebacks on one subaccount are contained strictly to that unit without contaminating the master account.
Zero tolerance for fraud to protect your operational balance
Unregulated gateways that allow friction-free onboarding without verification suffer judicial asset freezes that lock the balances of every merchant simultaneously.
At Dotfy, rigorous verification guarantees the entire network remains clean and stable, with balances segregated into individual ledger accounts with institutional backing from Verlic Hub.
Segregated Ledger Accounts
Your revenue never commingles with platform operational capital or third-party merchant funds.
Audited Biometric KYC
Biometric liveness checks and corporate cross-referencing prevent bad actors from entering the ecosystem.
Verlic Hub & Sistema Seguro
Operation structured under complete regulatory compliance, contractual clarity, and fiscal oversight.
The Fragile Patchwork vs Unified Infrastructure
The practical difference between depending on legacy monolithic processors and building on a modern transactional engine.
Traditional Fragility
Multiple intermediaries, legacy APIs, and fragile webhooks that collapse during peak sales traffic.
- Slow checkout redirects generating immediate cart abandonment
- Cascading double taxation on manual co-production payouts
- Risk of collective balance freezes from unverified rogue accounts
- Unreliable webhooks failing access provisioning during traffic spikes
Unified Infrastructure
Proprietary BaaS rails with sub-second settlement, automated margin control, and institutional ring-fencing.
- Mobile checkout in < 850ms with direct tokenization
- Native banking split at settlement (shield against double taxation)
- Segregated balances and corporate verification with real KYC
- Contractual 99.99% uptime with redundant clearing interconnects
Why high-scale operations migrate to Dotfy
A point-by-point technical comparison between legacy payment gateways and Dotfy's direct clearing engine.
| Infrastructure Metric | Legacy Gateways | Dotfy Direct Engine |
|---|---|---|
| Average Latency | 1,200ms — 2,400ms (multiple network hops) | 138ms (direct SPI interconnect) |
| Payment Split | Post-settlement transfer (D+15 to D+30 with double taxation) | Atomic at Clearing (at source) |
| Statement Descriptor | Intermediary's corporate name (drives chargebacks & confusion) | Custom Merchant Trade Name |
| Surge Traffic Resilience | Queue degradation, throttled connections, and 504 timeouts | Elastic Autoscaling on K8s Clusters |
| Idempotency Guarantee | Non-existent (duplicate debit risks on network retries) | Native Idempotency-Key Header |
| Custody Governance | Funds pooled into intermediary master operating accounts | Segregated Accounts • Verlic Hub |
Architected for the highest volumes on the internet
- Real-time multi-tier split into sub-ledgers
- Transparent 1-click checkout without redirects
- Low-friction smart retries
- Guaranteed HMAC webhook delivery
- Isolated sub-accounts: complete shield against third-party legal liens
- Custom descriptor on consumer bank statements
Engineered for teams that cannot tolerate downtime
Founders, CFOs, and engineering leaders who migrated their mission-critical payment volume to Dotfy.
“During our major product launch, we hit over 4,000 concurrent Pix payment requests per second. Traditional gateways either degraded into queues or timed out with 504s. Dotfy handled the spike with consistent sub-200ms latency, and the multi-party split settled instantly across our 3 co-creators. It fundamentally elevated our operational scale.”
“Our biggest risk as a nationwide franchise was collective account freezes. With Dotfy, every franchise unit operates within an individual sub-account anchored to the Verlic Hub. When a local unit faced a regional dispute, our master corporate treasury remained 100% untouched. Migrating 45,000 active card vaults took under 36 hours without disturbing a single subscriber.”
“We integrated Dotfy in two business days. The documentation is concise, webhooks come with flawless HMAC SHA-256 signatures, and the sandbox accurately reflects production behavior. When we required custom Central Bank SPI validation, we weren't routed to a bot: we hopped on a shared Slack channel directly with Dotfy's architect in under 5 minutes.”
Dotfy infrastructure team, we just wrapped up our open-cart release surge: \$680k USD cleared in 90 minutes. Zero stuck transactions, average latency held steady at 160ms, and the split settled directly across all 3 partners. Big thanks for the live on-call monitoring! 🚀
Integrate your system in under 10 lines
Standardized RESTful APIs, modern SDKs, isolated environment keys (Sandbox & Production), and HMAC cryptographic webhooks.
# 1. Creating transparent charge with automated split at settlement
curl -X POST "https://api.dotfy.com.br/api/charges" \
-H "Authorization: Bearer vk_live_8a92b3..." \
-H "Content-Type: application/json" \
-d '{
"paymentMethod": "PIX",
"amount": 29700,
"correlationID": "order_88921",
"customer": {
"name": "Guilherme Siqueira",
"email": "guilherme@enterprise.com",
"taxId": "23456789012"
},
"split": [
{ "recipientId": "rec_master_88", "percentage": 70 },
{ "recipientId": "rec_coprod_12", "percentage": 30 }
]
}'Direct answers for operators who scale
Everything your engineering, finance, and legal teams need to know before connecting Dotfy to your operations.
In transactions involving multiple stakeholders (creator, co-producer, and affiliate), Dotfy settles funds directly into each partner's segregated payment account. Gross funds never transit through your balance sheet as primary corporate revenue. Consequently, each entity reports tax strictly on its genuine net fraction, in full compliance with Central Bank directives (Resolution BCB No. 80/2021) and tax authorities.
Dotfy BaaS allows you to leverage our regulatory clearing rails to provision subaccounts programmatically for partners, franchises, or software users (SaaS). You customize the statement descriptor displayed on customer bank statements, configure hidden transactional spread markups on settlements, and track consolidated real-time analytics via API and webhooks.
Yes. Our engineering solutions team provides comprehensive assisted migration for encrypted card vaults (PCI Compliance tokens) from legacy acquirers and gateways (such as Stripe, etc.). Transfer is executed vault-to-vault with PCI-DSS Level 1 compliance, ensuring active recurring subscriptions continue billing smoothly without requiring buyers to re-enter card information.
The single greatest risk facing high-volume digital enterprises is balance freeze due to network contagion: when an intermediary accepts merchants indiscriminately, fraudulent actors enter and trigger mass judicial attachments that lock all funds held under that intermediary. At Dotfy, rigorous biometric and corporate KYC keeps the institutional mesh protected, guaranteeing continuous liquidity and sovereign asset security.
Yes. Dotfy features native compatibility with Telebot and leading conversational sales automation platforms across WhatsApp and Telegram. The transaction engine issues instant Pix with confirmation in under 800ms, dispatching asynchronous webhooks that unlock buyer access immediately without third-party bottlenecks.
Go live without friction, backed by dedicated engineers.
Migrate active recurring subscribers and card vaults vault-to-vault in under 48 business hours, without requiring card re-entry. Dedicated engineering bridge and same-day institutional onboarding.