---
title: "Card Processing"
description: "Stark Infra is one of the most robust card processors, delivering a modern, secure infrastructure built to handle high transaction volumes with low latency and high availability."
language: en
locale: en-US
canonical: "https://starkinfra.com/card-processing"
section: "Products"
type: "Products"
publisher: "Stark Infra"
last_updated: 2026-10-16
alternates:
  pt-BR: "https://starkinfra.com/br/card-processing.md"
  zh-CN: "https://starkinfra.com/cn/card-processing.md"
---

# Card Processing

Stark Infra is one of the most robust card processors, delivering a modern, secure infrastructure built to handle high transaction volumes with low latency and high availability.

> **About Stark Infra:** Stark Infra provides financial infrastructure APIs so companies can operate in the Brazilian financial market: become a direct or indirect Pix participant, issue cards under your own brand (BIN sponsorship and card processing), originate credit notes (CCB) without being a financial institution, and initiate payments via Open Finance (ITP).

#### Robust and scalable infrastructure for financial institutions

## Use your card network licenses to issue cards and rely on our processing infrastructure

## The right infrastructure to process your card transactions

Modern, scalable infrastructure designed to process high volumes of card transactions with low latency, even during demand peaks.

A secure environment designed to ensure data protection and compliance with Central Bank regulations and card network requirements.

A platform that allows you to integrate card processing into your company’s systems. Stark Infra handles the processing complexity so you can focus on strategy.

## Freedom and control to build card products

Stark Infra enables your company to build and scale card products autonomously, while maintaining full control over rules, flows, and the end-customer experience.

##### Authorization engine

Real-time processing and authorization of credit and prepaid transactions.

##### Credit core

A central structure for defining rules, policies, and full management of card operations.

##### Dispute management

Management of disputes and chargebacks with Mastercard and Visa card networks.

##### Proprietary technology

Continuous transaction analysis to identify and mitigate risks in real time.

## Stability and security in processing

Our platform is built to serve banks, Payment Institutions (PIs), SCDs, and companies licensed by the Central Bank, which require a reliable, stable, and compliant card operation aligned with regulatory and card network requirements.

Embossing

Preparation of embossing files, along with partnerships for card printing, personalization, and delivery.

Approval rules definition

Define flexible rules to manage card usage, including spending limits by period, merchant category restrictions, country blocks, and more.

Authorization

Real-time transaction validation, including balance checks, spending limits, and usage rules.

Flexible collateral

Use only the amount of collateral you actually need, improving capital efficiency without locking excess funds.

Settlement

Execution and financial posting of approved transactions.

Reconciliation

Accurate and transparent reconciliation of transactions between merchants, processors, and issuing banks.

Chargeback

End-to-end dispute management, including monitoring and specialized support.

Tokenization

Support for trusted digital wallets, including Apple Pay and Google Pay.

## Spending control

Set multiple financial control rules, including spending limits by time period, merchant category restrictions, and country-based controls. Configure limits in both Brazilian Reais (BRL) and US Dollars (USD). Greater control reduces the risk of fraud and misuse.

## Why choose Stark Infra?

A robust processing infrastructure built for large-scale financial operations

##### Card processing specialists

##### Modern, highly scalable infrastructure

##### Low latency and high availability

##### Security and regulatory compliance

### Ready to build your card operation?

Talk to Stark Infra and discover how our card processing infrastructure supports financial operations that demand maximum reliability. The infrastructure that keeps card operations running at all times.

## Developer First

Embrace simplicity with Stark Infra's game-changing banking API. Our reliable, secure, and scalable solution seamlessly integrates within minutes, enabling your company to effortlessly overcome financial operation challenges once and for all.

---

## Related pages

- [Direct Participant in Pix](https://starkinfra.com/direct-participant.md)
- [Pix Indirect Participant](https://starkinfra.com/indirect-participant.md)
- [BIN Sponsor](https://starkinfra.com/bin-sponsor.md)
- [Stark Infra connects you to the infrastructure needed to issue and manage Credit Notes (CCBs)](https://starkinfra.com/credit-note.md)
- [Ledger](https://starkinfra.com/ledger.md)
- [Payment Initiator](https://starkinfra.com/payment-initiator.md)

## Other languages

- [Português (pt-BR)](https://starkinfra.com/br/card-processing.md)
- [中文 (zh-CN)](https://starkinfra.com/cn/card-processing.md)
- [Home](https://starkinfra.com/index.md)

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- **Canonical URL:** https://starkinfra.com/card-processing
- **Language:** English (`en-US`)
- **Section:** Products
- **Last updated:** 2026-10-16

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