Brazil
Kenya
Philippines
Mexico
Saudi Arabia
Challenge & Solution
Most global acquirers process from abroad, treating emerging markets as an extension of their home markets rather than markets on their own terms.
dLocal Payins combines local acquiring, local payment methods, and local infrastructure built for the markets where cross-border acquiring loses revenue to declines.
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Cross-border providersChallenge: Processing from abroad
When transactions are processed from outside the market, approval rates drop, fraud flags rise, and soft declines increase compared to what local rails deliver.
Revenue lost at every decline
dLocal PayinsSolution: Local acquiring
We connect directly to local acquirers in each market and route each transaction through the rail most likely to approve it, so more of your customers complete checkout.
Revenue captured at every checkout
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Cross-border providersChallenge: Limited coverage
Each market runs on its own mix of methods. Missing the right local ones at checkout isn't a gap: it's a customer walking away before they pay.
Lost growth across every market
dLocal PayinsSolution: Local payment methods
One integration gives you 1000+ local payment methods across 60+ emerging markets, with the right mix per country.
Every lead converts on the method they trust to pay
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Cross-border providersChallenge: Country-by-country setup
Expanding into each market means new entities, licenses, bank accounts, and approvals to repatriate funds, unless your provider can handle it locally on your behalf.
Expansion slowed by every new market
dLocal PayinsSolution: Local infrastructure
We hold local entities, licenses, and FX access in each market, so you accept payments without building the stack yourself.
New markets, ready to sell in, without the setup
Proven performance
up to +20pp higher conversion*
with local vs. international acquiring
Higher conversion across Latin America, Africa, and Asia
60+ Emerging Markets
1000+ Local payment methods
“dLocal has been a trusted partner for our operation in Latin America over the last couple of years. By offering one of the latest payment innovations in Brazil, such as Pix, we are taking the next step in our partnership to further improve our customer experience and offer localized payment methods focused on consumer preferences and habits.”
Local methods reach the buyers.
Our local expertise helps convert them.
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Local Cards
Debit and credit cards issued by local banks.
Local Cards
Card is still how most buyers pay in emerging markets, but processed from abroad, approval drops. The rail that works everywhere fails quietly when it isn't local.
We connect directly to local acquirers and issuers in each market, with network tokens and 3DS calibrated per country to raise approval on every card transaction.
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Real-time payments
Instant account-to-account payments.
Real-time payments
Instant payment rails like Pix in Brazil and UPI in India now move more volume than cards. Buyers expect immediate confirmation, not multi-day clearing.
Grow with real-time paymentsWe layer bank visibility, one-click flows, and pre-verification on top of native rails like Pix and UPI to raise checkout completion.
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Buy Now, Pay Later
Installment payments with instant credit approval.
Buy Now, Pay Later
Most buyers in emerging markets don't hold a credit card. Local BNPL reaches them where cards can't.
Grow with BNPLWe connect your business to leading 10+ local BNPL providers through a single integration, with eligibility screening and checkout optimization on top.
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Bank transfers
Local payments through domestic banking networks.
Bank transfers
Local bank transfers remain a preferred way to pay from SPEI in Mexico to PSE in Colombia and beyond across emerging markets.
Grow with bank transfersWe connect directly to local banking schemes and handle reconciliation, payment status, and settlement through a single integration.
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Mobile money
Digital wallets payments linked to mobile phone accounts.
Mobile money
Mobile money in Africa is closed-loop by design. M-Pesa users pay M-Pesa, MTN MoMo users pay MTN MoMo. Miss one network, and you miss every customer on it.
Grow with mobile moneyWe connect to the major mobile money networks across Sub-Saharan Africa, including M-Pesa, MTN MoMo, and Wave, so you're not managing five separate closed networks yourself.
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Stablecoins
Blockchain-based payments with stable-value digital currencies.
Stablecoins
In markets with volatile currencies or FX friction, stablecoins are how dollar-exposed buyers want to pay. Cards distort this demand or lose it to spread.
Grow with stablecoinsWe provide a full stablecoin stack for acceptance, conversion, and settlement in eligible markets, orchestrated alongside local rails.
Hundreds more available across every market you grow into
See all local payment methodsBuilt for the way your business earns
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Marketplaces
Buyers span dozens of markets, each with the payment methods they trust. We centralize acceptance on local rails, so every buyer converts through one integration in the currency they know.
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Subscriptions & SaaS
Recurring payments can fail more in emerging markets, where local regulation often blocks foreign processors. We support native recurring on local rails, so subscriptions renew where they otherwise churn.
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Gaming & digital goods
Part of your buyer base won't complete checkout without their local method. Cards alone don't drive conversion. Local cards, wallets, instant payments, and Buy Now Pay Later close the gap.
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Travel
High-value bookings decline more on cross-border processing, and every failed transaction is a lost itinerary. Local acquiring raises approval on tickets, hotels, and packages where drop-off costs the most.
Built for the markets where your business grows
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Latin America
Latin America
Where cards share the checkout with Pix, Bre-B, OXXO, and local wallets, losing any of them means losing part of the market.
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Argentina
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Brasil
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Chile
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Colombia
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Mexico
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Asia
Asia
Where UPI, virtual accounts, and super-app wallets aren't alternatives to cards, but what most buyers use every day.
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India
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Philippines
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Indonesia
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Malaysia
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Africa and the Middle East
Africa and the Middle East
Where mobile money moves more volume than cards in most Sub-Saharan markets, and BNPL helps converting buyers that online cards alone don't reach either.
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Nigeria
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South Africa
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Egypt
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Saudi Arabia
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Kenya
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Argentina
Chile
Colombia
India
Indonesia
Malaysia
Nigeria
South Africa
Egypt
Why choose dLocal Payins
For your business
| dLocal Payins | Other providers | |
|---|---|---|
| Local entities | dLocal Payins Handled by us | Cross-border processing Set up per country |
| Recurring in EM | dLocal Payins Native on local rails | Cross-border processing Blocked in markets like India, Malaysia |
| Settlement currency | dLocal Payins USD, EUR, GBP, stablecoins, or local currencies | Cross-border processing Usually foreign only |
| Reconciliation | dLocal Payins One dashboard, all markets | Cross-border processing Split across providers |
For your customers
| dLocal Payins | Other providers | |
|---|---|---|
| Payment methods shown | dLocal Payins Every local method that matters per market | Cross-border processing Limited local coverage, mostly cards and top wallets |
| Currency at checkout | dLocal Payins Local, familiar, expected | Cross-border processing Often foreign, adds friction |
| Approval rate on cards | dLocal Payins Local acquiring across every market you enter | Cross-border processing Foreign acquiring in most markets, more declines |
| Fraud checks | dLocal Payins Tuned to local behavior | Cross-border processing Global rules, one-size-fits-all |
The local expertise behind every transaction
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Acceptance
Your checkout feels local and converts more
Your customers see the payment methods they know and trust, from local cards and Pix in Brazil to UPI in India and GCash in the Philippines, each presented in local currency. Behind the scenes, we work directly with local providers to optimize APM performance for a smoother experience and lower drop-off.
More customers finish checkout on the first try
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Approval
Payments are optimized automatically
Smart Routing sends each payment to the best-performing acquirer. Auto-Retry recovers failed attempts with the next best option, while our Defense solution applies fraud checks calibrated to local behavior. As you scale, network tokenization, 3DS authentication, and other advanced capabilities further increase approval rates, market by market.
Higher approvals, fewer declines
Settlement
Your business gets paid globally
Receive funds in the currency you choose, on the settlement schedule that works for your business. We take care of local FX, reconciliation, and compliance behind the scenes, so managing payments across markets feels like operating in just one.
Predictable cash flow across markets
Got questions?
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Which countries and payment methods does dLocal Payins support?
dLocal Payins runs across 60+ emerging markets in Latin America, Africa & Middle East, and Asia. You get cards, real-time rails like Pix and UPI, wallets like GCash and Mercado Pago, mobile money, cash vouchers, and local BNPL, the exact mix per country.
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How does dLocal Payins integrate with my existing payment stack?
You integrate once with dLocal by API or hosted checkout, then configure the markets and methods you want to enable. Most enterprise merchants run dLocal alongside their global acquirers, using dLocal specifically for emerging markets where local acquiring matters. Our reports and settlement plug into your BI or treasury tools.
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How does dLocal Payins handle settlement and FX?
Your buyers pay in local currency using local methods. We collect funds locally, manage the FX conversion, and settle to your chosen currency (USD, EUR, GBP, supported stablecoins or selected local currencies) on the cycle you configure.
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Do I need local entities or bank accounts in every country?
dLocal Payins operates through local entities, licenses, and FX access in each market, so you accept payments across 60+ emerging markets without setting up local infrastructure per country. If you need a full Merchant of Record solution, where dLocal owns the sale, tax, and compliance obligations end-to-end, that's what dMoRe delivers. Explore how dMoRe helps you expand faster here.
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How long does it take to go live?
Timelines depend on your commercial model. A dedicated team walks through commercial alignment, technical integration by API or hosted checkout, sandbox testing, and staged market-by-market go-lives.
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How does dLocal Payins pricing work?
Pricing is custom per merchant. It reflects your markets, payment mix, expected volumes, and settlement preferences. Talk to us for a quote.
Your next growth stage dLocal Payins helps you grow revenue across emerging markets
Accepting payments in a new market is one thing.
Converting there is another.
