Barte Taps Oscilar to Power Next Generation of Fraud and Compliance Decisioning

Fast-growing Brazilian financial platform Barte has selected Oscilar’s AI Risk Decisioning™ platform to modernize and scale its fraud, risk, and compliance operations. 

Together with Mastercard Identity risk intelligence, Oscilar is helping Barte unlock faster experimentation, stronger fraud prevention, and sustainable growth across Brazil’s competitive fintech ecosystem.

Supporting trusted payments as Barte scales

Barte supports more than 5,000 businesses across Brazil, providing infrastructure for payments, credit, and receivables. The platform processes hundreds of thousands of transactions every month and continues to grow rapidly.

As transaction volumes increase, the margin for error in risk decisioning narrows. Adding too much friction can slow growth and harm customer experience, while missed fraud directly impacts trust and unit economics. From day one, Barte has focused on building payment experiences that scale without compromising security.

The limits of static, rules-based risk systems

Like many fast-growing fintechs, Barte reached a point where its existing risk stack could no longer keep up with the pace of change. Static, rules-based systems required heavy engineering involvement, and policy updates could take weeks to deploy. Meanwhile, fraud patterns were evolving daily.

Barte needed a modern decisioning layer that would allow its teams to move at the same speed as the business—testing, iterating, and deploying new strategies in real time without disrupting existing integrations or customer flows.

Why Barte selected Oscilar

Barte chose Oscilar to serve as the real-time decisioning layer across its risk operations. With Oscilar, Barte can centralize fraud and compliance decisions into a single, low-latency platform that brings together:

• Barte’s existing third-party data sources

• Oscilar’s built-in device and behavioral intelligence signals

• Bespoke machine-learning models and AI Risk Decisioning™

This unified approach allows Barte to evaluate risk holistically across the customer journey, rather than relying on disconnected tools and siloed rules.

Real-time risk decisioning with Oscilar and Mastercard

With Oscilar, Barte’s risk and compliance teams can design, adjust, and A/B test decision logic on their own using low-code workflows. What once took weeks of engineering effort can now be done in minutes.

As part of the rollout, Barte is integrating Mastercard’s Identity risk transaction data directly into Oscilar. This keeps trusted, high-quality signals in place while making it easier to test new rules and models side by side. Decisions run in parallel through Oscilar’s real-time engine, meeting the low-latency demands of payments without adding friction at checkout or during 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.

What this partnership enables for Barte

By adopting Oscilar’s AI-native decisioning platform, Barte is unlocking several key advantages:

• Faster iteration with less engineering dependency:Risk and compliance teams can build, change, and deploy fraud rules using low-code workflows—without waiting on engineering resources.
  
  

• A complete view of the customer journey: Oscilar’s marketplace makes it easy to combine identity, fraud prevention, and enrichment signals into a single decisioning flow.
  
  

• Seamless integration with existing solutions: Through Oscilar’s partnership with Mastercard, Barte can modernize decisioning while preserving existing policies and trusted data sources.
  
  

• Streamlined operations and compliance Fraud, risk, credit, and compliance workflows are managed in one auditable platform, reducing manual effort and strengthening regulatory posture.

Building modern risk operations in Brazil

“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.”

From our perspective at Oscilar, this partnership reflects what modern risk operations should look like.

“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 look like: full control, unified intelligence, and the speed to match market growth.”

Enabling sustainable growth across Brazil’s financial ecosystem

With Oscilar at the core of its risk operations, Barte is well positioned to continue expanding across Brazil. The platform is designed to handle rising transaction volumes, approve legitimate activity more quickly, and manage fraud at scale.

For businesses using Barte, this means faster onboarding, fewer unnecessary declines, and a payments and financial platform that can grow alongside them.

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