Brazilian financial platform Barte powers its next phase of growth with Oscilar and Mastercard risk intelligence

PALO ALTO, Calif. & SAO PAULO: #ai--Barte, a leading payments and financial services platform based in São Paulo, Brazil, announced today that it has selected Oscilar’s AI Risk Decisioning™ platform to transform its risk, fraud, and compliance operations.

With Oscilar, Barte is using AI to improve customer approval processes, giving non-technical teams the ability to quickly design, test and deploy fraud and compliance workflows. The shift reduces time to market, improves operational efficiency and supports Barte’s expansion in Brazil’s highly competitive fintech landscape.

Building Trusted Payments Experiences from Day One

Barte supports more than 5,000 businesses across Brazil with infrastructure for payments, credit and receivables, processing hundreds of thousands of transactions each month and is growing rapidly. As volumes scale, the margin for error in fraud decisioning narrows: too much friction slows growth, while missed fraud erodes trust and unit economics.

As demand increased, Barte’s static, rules-based systems and engineering-dependent workflows made it difficult to keep pace with evolving fraud. Policy changes required weeks of development, while fraud patterns shifted daily. Barte needed a decisioning platform that gave its teams full control to experiment, test and deploy strategies in real time, without disrupting existing integrations.

To support its next phase of growth, Barte selected Oscilar as the decisioning layer for its risk operations.

Real-Time Risk Decisioning Unlocked by Oscilar and Mastercard

With Oscilar, Barte will run fraud and compliance decisions through a single, real-time layer that brings together its existing third-party data with Oscilar’s built-in device and behavioral data, powered by bespoke machine-learning models and AI-native risk decisioning.

The rollout allows Barte’s risk and compliance teams to build, adjust, and A/B test decision logic on their own using low-code tools, cutting the time it takes to make changes from weeks to minutes.

As part of the implementation, Barte is integrating Mastercard’s Identity risk transaction data directly into Oscilar, keeping trusted signals in place while making it easier to test new rules and models side by side. Decisions run in parallel to meet the low-latency demands of payments, helping Barte block fraud without adding friction during checkout or onboarding.

“One of Mastercard’s goals is to ensure that security is never an obstacle to innovation. The integration of our Identity solution into Oscilar’s platform enables Barte to make precise risk decisions in milliseconds. This means businesses can enjoy a faster, lower-friction transactional risk analysis process without compromising protection against sophisticated fraud," said Marcelo Tangioni, President of Mastercard Brazil.

Key Benefits of the Partnership

• Faster iteration, less engineering: Risk and compliance teams can build, change and test fraud rules with low-code workflows without relying on engineering.
• A complete view of the customer journey: Seamless integration of best-in-class data and risk signals from Oscilar’s marketplace, including identity, fraud prevention, and enrichment tools.
• Integration with existing solutions: Oscilar’s partnership with Mastercard gives Barte access to advanced transaction risk APIs and joint solution design, enabling faster modernization of decisioning without policy disruption.
• Streamlined operations and compliance: Risk, fraud, credit and compliance workflows managed in a single, auditable platform, reducing manual workload and supporting Barte’s regulatory posture.

“At Barte, our goal is to simplify how businesses access and use financial services, helping them lower costs and operate more efficiently,” said César Gomes, Risk Director at Barte. “That starts with giving our own teams the tools to move faster and make better decisions. With Oscilar, we can put smarter approval decisions directly in the hands of our teams, improving the experience for our customers.”

“Barte is building the kind of financial infrastructure businesses across Brazil need,” said Neha Narkhede, CEO and co-founder of Oscilar. “Our platform gives their teams the independence to move quickly, with connected intelligence that catches what other systems miss. This is what modern risk operations should look like: teams with full control, unified risk intelligence and the speed to match market growth.”

Supporting Sustainable Growth Across Brazil’s Financial Ecosystem

With Oscilar at the core of its risk operations, Barte can continue expanding its footprint across Brazil, supported by a decisioning foundation designed to handle rising transaction volumes, approve legitimate activity more quickly, and manage fraud at scale.

For businesses across Brazil, this translates into faster onboarding, fewer unnecessary declines, and a payments and financial platform that can grow alongside them.

About Oscilar

Oscilar is the AI Risk Decisioning™ platform that unifies fraud, credit, onboarding and AML risk in a single, real-time system. Its no-code architecture empowers risk teams with full ownership of workflows, enabling them to build, test and automate policies without engineering dependency. Powered by agentic AI and bespoke machine-learning models, Oscilar connects signals across the entire customer journey to detect sophisticated threats that rule-based systems miss, delivering fully explainable decisions in under 100 milliseconds. Leading banks, fintechs and digital asset platforms rely on Oscilar to move faster than risk with the control and transparency regulators require.

Learn more at oscilar.com.

About Barte

Barte is the operating layer behind how businesses move, manage, and access money in Brazil. Founded in 2022 and headquartered in São Paulo, the company helps enterprises centralize payables and receivables, automate payments and improve liquidity through data-driven infrastructure. Barte’s platform supports multichannel payments and embedded solutions used by thousands of businesses across the country.

Learn more at barte.com

Fonte: Business Wire