Emerging Markets Payments Handbook 2025

Payins

All-in-one payment process for global enterprises, to offer customers in emerging markets a seamless and secure payment experience.
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Payouts

Pay your staff, customers, and partners in the currency of their choice. dLocal's Payouts enhances customer satisfaction and streamlines your payment process.
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dLocal for Platforms

Handling payins and payouts in local currency through a quick integration.
Defense Suite

Real-time monitoring, chargeback management tools, dispute resolution services, and data analytics.
Invoice Collection

Receive payments in your customer's local currency.

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Africa and the Middle East

Customers

Scaling New Markets and Overcoming Challenges
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Success Stories

Impactful Results with dLocal’s Seamless Global Expansion
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Industries

Digital & Subscriptions

Access reliable payment solutions for your digital platform and subscription services, ensuring smooth customer interactions and global reach.
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- eLearning
- Streaming
- Gaming
- SaaS
Travel

Streamline travel payments with integrated solutions for cross-border bookings, refunds, and currency conversions for travelers everywhere.
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- Travel Agencies
- Airlines
- Hotels
- Global Distribution Services (GDS)
Retail

Drive growth for your retail business with payment solutions designed for point-of-sale, e-commerce, and omnichannel experiences.
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- Marketplace
- Retailer
Remittance & Fintech

Transform your remittance and fintech services with advanced payment technology that ensures speed, security, and compliance.
- Remittance
- Fintech
Ride Hailing & Food Delivery

Power mobility and delivery services with fast, reliable payment processing for riders and customers worldwide.
- Ride Hailing
- Food Delivery
Crypto

Connect global payments via one API linking stablecoins, local rails, and 900 methods across emerging markets
Learn more
Other industries

Expand globally with dLocal’s seamless payments tailored for your industry. Effortlessly accept and send payments in emerging markets worldwide.
- Payroll and HR
- Digital Advertising

Digital & Subscriptions

Access reliable payment solutions for your digital platform and subscription services, ensuring smooth customer interactions and global reach.

eLearning

Provide your eLearning platform with payment solutions that support local preferences and reliable transactions for students and teachers worldwide.
Streaming

Simplify payments for your streaming platform with local solutions that ensure smooth transactions and improve customer retention.
Gaming

Boost your gaming platform with secure, real-time payment processing designed to enhance user satisfaction and monetization.
SaaS

Build a payment infrastructure for your SaaS business that simplifies transactions and supports growth across regions.

Streamline travel payments with integrated solutions for cross-border bookings, refunds, and currency conversions for travelers everywhere.

Travel Agencies

The world of travel agencies is fast-paced and dynamic, transforming how people explore by offering seamless booking and unforgettable journeys
Airlines

Transform your airline customer experience with flexible payment methods and efficient solutions for global transactions.
Hotels

Enable cross-border hotel payments with tailored solutions for reservations, pre-authorizations, and on-site transactions.
Global Distribution Services (GDS)

Centralize and simplify travel distribution payments with secure, scalable solutions for your GDS platform.

Drive growth for your retail business with payment solutions designed for point-of-sale, e-commerce, and omnichannel experiences.

Marketplace

Facilitate effortless transactions in your marketplace with solutions for sellers, buyers, and secure multi-party payments.
Retailer

Empower your retail business with payment infrastructure that supports global reach, local currencies, and seamless checkouts.

Remittance & Fintech

Transform your remittance and fintech services with advanced payment technology that ensures speed, security, and compliance.

Remittance

Facilitate cross-border remittances with low-cost, reliable, and instant payment options for global communities.
Fintech

Innovate in the fintech sector with scalable payment solutions that foster growth and secure financial transactions.

Ride Hailing & Food Delivery

Power mobility and delivery services with fast, reliable payment processing for riders and customers worldwide.

Ride Hailing

Simplify transactions for your ride-hailing platform with real-time payments and support for diverse payment methods.
Food Delivery

Improve your food delivery operations with seamless payment solutions for quick, secure, and accurate order payments.

Connect global payments via one API linking stablecoins, local rails, and 900 methods across emerging markets

Other industries

Expand globally with dLocal’s seamless payments tailored for your industry. Effortlessly accept and send payments in emerging markets worldwide.

Payroll and HR

Broaden your partners employee-base throughout emerging markets
Digital Advertising

Tailored payment solutions to overcome unique challenges and drive revenue growth.

About us

dLocal connects global merchants with billions of emerging market consumers
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Events

Check where to meet us next.
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Investors

See our financial updates and upcoming events
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Brand Guidelines

Unveil dLocal’s brand identity and explore our guidelines and assets.
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Press releases

dLocal's latest announcements.
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Newsletter

Get monthly updates on payments in emerging markets.
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Resources

Blog

Your first stop for payment guidance in emerging markets.
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Essentials

Dive into our carefully selected content designed to fast-track your expansion
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Insights Hub

Get insights and market trends.
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dLocal’s Emerging Markets Payments Handbook

Guide to successfully transacting with local and alternative payment methods
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Paymentpedia

A comprehensive online glossary created to clarify payment-related terminology and concepts.
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Dialogues

Discover key insights from industry leaders.
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Want to know more about our Payment methods?

Developers

dLocal Docs

Begin your journey with our intuitive setup guide.
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API Guides

Discover comprehensive tutorials to master our APIs.
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API Reference

Access detailed documentation for precise integration.
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API status page

Monitor real-time performance and service health.
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Kenya

Kenya: Drive Growth in Kenya with dLocal’s Platform

Kenya’s eCommerce is fueled by mobile money and digital payments. dLocal provides local options like M-Pesa, credit cards, and bank transfers. Our solutions help eCommerce and digital services scale effectively with compliance in Kenya’s regulatory landscape.

Contact Sales View Documentation

dLocal's Coverage in Africa and the Middle East

Market Overview

Offering alternative payment methods like mobile money is key to reaching this market

Download Country Payment Handbook

Population: 57.3 M *

With a smartphone penetration of 77% and a banked population of 93.3%

* Source: Worldometers 2024.
eCommerce: 4.81 B *

Kenya's eCommerce market shows a 21% annual growth rate *

* Source: eCommerceDB, 2024 & Datareportal, 2022
eShoppers: 3.96M *

eCommerce users are expected to hit 63.9% of the population by 2027 *

* Source: Datareportal, 2022 & Statista, 2024
Internet users: 56% *

Mobile money account penetration is 60% and 70% of internet use happens via phones *

* Source: Datareportal, beginning of 2024.

Gain insight into Kenya's most relevant payment methods

29% Cash on delivery
48% Mobile Money
16% Debit cards
3% Bank transfer
2% Credit Card
2% Other

Most commonly used options

Mpesa
Mobile Money
Airtel
Mobile Money

Credit and debit cards

Play like a local by offering traditional payment methods.
- Visa
- Mastercard
Mobile Money
Learn more

Tackle all audiences.
- airtel
- Mpesa

View Documentation

Latest about Kenya

July 26, 2023
Utilizing alternative payment methods: succeed in Kenya and Nigeria’s $15 billion eCommerce market

Africa can be an intriguing region for eCommerce markets. Especially countries such as Kenya and Nigeria, two of the biggest economies in the continent.
Learn more

The ultimate Country Payment Handbook to unlocking eCommerce growth in Kenya

The ultimate Country Payment Handbook to unlocking eCommerce growth in Kenya

Dominican Republic

Looking to expand other markets?

Global growth is shifting South

See how people pay—and how to reach them—with dLocal’s Emerging Markets Payments Handbook.

Download your copy

See how people pay—and how to reach them—with dLocal’s Emerging Markets Payments Handbook.

Actualizaciones del aviso de privacidad - Colombia

Le informamos que una versión actualizada del aviso de privacidad entrará en vigor el primero de julio de 2025. Hemos realizado cambios en las siguientes secciones:
4. Cuándo podemos revelar los datos personales;
8. Cookies;
9. Sus derechos;
10. Procedimientos para que los titulares puedan ejercer sus derechos en Colombia;
13. Cambios.

Lea el nuevo aviso de privacidad