Payouts: Facilitate payments and issue refunds effortlessly across borders

Frequently Asked Questions

• International Payment Gateway Solutions
  • How can dLocal enable retailers to sell in other countries?

    dLocal enables retailers to sell in other countries by providing a single API that connects them to over 40 countries across regions in Africa, Asia, and Latin America. As a full-stack payment service provider, dLocal integrates various local and alternative payment methods—credit cards, local bank transfers, eWallets, and more—tailored to each market.

    With features like local processing, Smart Routing for optimal transaction success, and PCI-compliant white-label solutions, dLocal ensures efficient, reliable cross-border payments, making it easier for companies across industries to expand their global reach.

  • What are the benefits of using dLocal's international payment gateway?

    dLocal's international payment gateway provides businesses with seamless access to over 40 countries through a single API integration, enabling easy expansion into new markets. It supports a wide array of local payment methods, including credit cards, bank transfers, and eWallets, allowing businesses to cater to the specific preferences of customers in different regions. 

    With Smart Routing and Smart Chaining, dLocal ensures that payments are processed efficiently and failed transactions are recovered with alternative methods. Additionally, dLocal's local connections with multiple acquirers provide reliable and redundant payment processing, reducing the risk of transaction failures. The platform also offers PCI-compliant, white-label solutions, allowing businesses to securely process payments while maintaining their brand identity.

  • Which countries does dLocal support for international payments?

    dLocal supports international, cross-border payments in over 40 high-growth countries across Africa and the Middle East, Asia, and Latin America.

  • How to set up international payments with dLocal?

    To set up international payments with dLocal, begin by contacting dLocal's Sales team and providing the necessary business details during the onboarding process. Once onboarded, integrate dLocal’s API into your payment system, which will connect you to various countries and local payment methods. 

    Customize the payment options and configurations to meet your business's operational needs. Test the setup to ensure everything works smoothly before going live. Once active, use dLocal’s dashboard to monitor transactions and manage payments.

  • What are the fees and charges for international payments?

    For international payments with dLocal, fees include a percentage of each transaction, a spread on exchange rates, and possible interest on installment payments. Additional costs may include a chargeback protection fee, advanced settlement fees for shorter settlement periods, and a fee for settlements under a certain amount. There are also setup and monthly account management fees, as well as negotiated minimum fees based on expected transaction volumes.

• Cross-Border Payment Facilitation
  • How does dLocal facilitate cross-border payments?

    dLocal facilitates cross-border payments by offering a unified payment platform that connects enterprise merchants to 40 emerging markets and over 900 payment methods. 

    The platform uses local processing to handle transactions efficiently in each country, connecting directly with local acquirers. This setup helps to manage currency exchange rates and optimize payment routing. dLocal employs Smart Routing and Smart Chaining to improve transaction success rates by directing payments to the most effective processors and recovering failed transactions.

  • What settlement options are available for cross-border transactions?

    dLocal provides a fully automated settlement process with flexible options to suit merchants' needs. The platform enables both scheduled and on-demand settlements. Settlements are processed on the same day that funds are sent to the bank, whether they are requested manually or set to occur automatically.

    The standard settlement period is 14 days, but this can be adjusted based on the merchant’s requirements during the agreement phase. dLocal offers three settlement timeframes:

    1. Automated by Timeline: Settlements occur automatically based on a pre-configured schedule.
    2. Automated by Balance: Settlements are triggered when the balance reaches a specified amount.
    3. Manual Request: Merchants can request settlements at any time through the Merchant Panel, regardless of the chosen automated settings.
  • How can dLocal help expand my business to new markets?

    dLocal helps expand your business to new markets by providing a unified payment solution that connects you to over 40 countries through a single API. Receive, disburse, and collect payments globally.

    This integration supports a variety of currencies and alternative payment methods, including mobile money, bank transfers, eWallets, and cash payments, allowing you to meet diverse customer preferences. dLocal handles local processing by connecting with local acquirers and processors, ensuring efficient transaction management and currency conversion while maintaining regulatory compliance in complex markets. 

  • What are the compliance requirements for cross-border payments?

    dLocal handles compliance requirements for cross-border payments by acting as the Merchant of Record in each country it operates in. This simplifies compliance for merchants, as dLocal manages local regulations, tax requirements, currency conversions, and processing through its connections with local acquirers and processors.

  • How to integrate dLocal's cross-border payment solution with existing systems?

    Integration with dLocal is streamlined through a one API for all payment solutions offered. With the help of dLocal's team, the integration process involves setting up the API within your existing payment system, configuring it to support your chosen payment methods and currencies, and testing the setup to ensure smooth operation before going live.

• Local Payment Methods
  • What local payment methods are supported by dLocal?

    dLocal supports a variety of local payment methods including credit and debit cards, local bank transfers, eWallets, cash payments, mobile money, and real-time payment systems. This allows businesses to cater to the payment preferences, and unbanked populations, of consumers in different regions.

  • How to integrate local wallets with dLocal?

    To integrate local wallets with dLocal, merchants need to use the dLocal API, which provides access to 900 payment methods, including eWallets. The integration involves configuring the API to enable wallet payments and testing the setup to ensure seamless operation.

  • Which countries have local payment method options?

    dLocal supports 900 local and alternative payment methods in over 40 countries throughout Africa and the Middle East, Asia, and Latin America.

  • How does dLocal support payment collection capabilities tailored to local preferences?

    dLocal’s platform is designed to handle local processing by connecting directly to local acquirers and processors, offering payment methods familiar to consumers in each market. This approach allows merchants to accept payments in local currencies, manage exchange rates, and optimize transaction routing.

  • What are the advantages of using local payment methods with dLocal?

    Using local payment methods through dLocal allows merchants to offer customers their preferred ways to pay, leading to higher conversion rates and improved customer trust and satisfaction. dLocal's local processing also ensures efficient and compliant transactions in each market.

• Card Acquiring
  • What card acquiring solutions does dLocal offer?

    dLocal provides card acquiring solutions that include support for various credit and debit cards. It offers a white-label solution for PCI-compliant merchants, allowing them to process card payments while maintaining their brand identity.

  • How to set up card acquiring with dLocal?

    To set up card acquiring, merchants integrate dLocal’s API, configure the payment settings to include card payment options, and ensure compliance with required security standards, such as PCI DSS. The setup is then tested before going live to ensure smooth operation.

  • What types of cards are supported?

    dLocal supports a range of credit and debit cards, including major card networks such as VISA and Mastercard, as well as local card schemes like Troy and Verve, allowing for broad coverage across different markets.

  • What are the benefits of using dLocal's card acquiring service?

    Benefits include seamless integration, access to multiple markets through a single platform, and improved transaction success rates through Smart Routing and Smart Chaining technologies. dLocal’s local processing also reduces the complexity of managing cross-border transactions.

  • What are the fees associated with card acquiring?

    Fees for card acquiring with dLocal typically include a small percentage of each approved transaction. Additional fees may apply for services such as chargeback protection, advanced settlement, or for transactions involving currency conversion.

• Alternative Payment Methods
  • What alternative payment methods are available through dLocal?

    dLocal supports alternative payment methods including local real-time payments, bank transfers, eWallets, mobile money, and cash payments, catering to the diverse payment preferences and needs of consumers in different markets.

  • How to enable VISA/Mastercard payout services?

    Enabling VISA/Mastercard payout services with dLocal involves configuring the API to support these card networks and configuring the necessary settings to facilitate outbound payments to these cards.

  • What are the benefits of using alternative payment methods?

    Offering alternative payment methods increases reach, checkout rates, and conversion rates by allowing customers to pay with their preferred methods. It also helps merchants cater to markets where traditional card usage is less accessible, building trust.

  • How to set up alternative payment methods with dLocal?

    To set up alternative payment methods, merchants integrate dLocal’s API, configure the settings for the desired methods and regions, and test the integration to ensure that all payment options are functioning correctly.

  • What markets support these alternative payment methods?

    dLocal supports alternative payment methods in the 40 countries it operates in, with specific options varying by market to align with local payment preferences and practices.