dLocal

We started dLocal to bridge the payment gap between international businesses and customers in emerging economies. We act as a payment infrastructure, letting global merchants accept local payment methods and settle funds across borders. This helps our merchants reach billions of consumers in high-growth markets across Africa, Asia, and Latin America.

We offer five main products through a single API integration:

• Payins: This lets merchants accept local payment methods, with dynamic FX conversion, cross-border transactions, no transfer limits, and various alternative and instant payment options.
• Payouts: We help businesses send funds compliantly across borders to staff, customers, and partners in their preferred currency.
• Defense Suite: This is our fraud management solution designed to reduce financial losses and protect the customer reputation of global eCommerce companies.
• dLocal for Platforms: This unifies payment solutions for global marketplaces and platforms, helping them onboard users and manage funds between multiple users in high-growth markets.
• Invoice Collection: We streamline payment collection, supporting local currency payments and handling local regulations and currency fluctuations.

In 2024, we processed $25.6 billion in payments for over 700 merchants. We support over 900 payment methods in more than 40 countries. dLocal is a Nasdaq-listed company (DLO).

We support various payment types, including cash (e.g., Fawry, Oxxo, Boleto), digital wallets (e.g., Alipay, WeChat, Yape), bank transfers (e.g., Capitec Pay, PSE, Khipu), mobile money (e.g., M-Pesa, MTN Mobile Money, Paga), real-time payments (e.g., PIX, UPI, DuitNow), Buy Now, Pay Later options, and Interoperable QR codes.

Industries we serve include:

• Digital & Subscriptions (Streaming, Gaming, SaaS, eLearning)
• Travel (Travel Agencies, Travel Tech, Travel Supply, Travel Aggregators & Enablers)
• Retail (Marketplace, Retailer)
• Remittance & Fintech (Remittance, Fintech)
• Ride Hailing & Food Delivery (Ride Hailing, Food Delivery)
• Other industries like Crypto, Payroll and HR, and Digital Advertising.

Our founding goal was to bridge the payment gap between international businesses and emerging economies. We aim to make it simple for both merchants and their customers to make or receive payments within emerging economies.

We operate with a mindset we call the ‘dLocal Drive’, which guides our work and values:

• Focus on customers: We listen to and solve customer needs first.
• Own it: We act, deliver, and always look for ways to improve.
• Deal with ambiguity: We take chances, adapt fast, and create new solutions.
• Play as a professional team: We embrace our differences and win together.

Other principles include being customer-driven, always evolving, using global talent with local expertise, offering a wide range of payment options, and viewing difficult problems as chances for innovation.

We have over 1000 team members globally. Our culture is young, ambitious, and constantly adapts to new challenges, opportunities, and client needs. Our international team has experience in the markets we serve.

Our work environment prioritizes flexibility, learning, and cross-functional collaboration. We are a remote-first company and offer a “Work From Anywhere” policy, letting employees work from various locations. We have 19 offices worldwide, including Barcelona, Bogotá, Buenos Aires, Casablanca, Cape Town, Johannesburg, Lagos, London, Montevideo, Mosta, Mumbai, Nairobi, New Delhi, San Francisco, São Paulo, Shanghai, Shenzhen, Singapore, and Mexico. For Montevideo-based non-IT roles, we require 55% monthly office attendance.

We offer global benefits and perks to our employees:

• Flexibility: Our employees benefit from flexible schedules and a culture that focuses on performance.
• Work From Anywhere: We have a “Work From Anywhere” policy, allowing employees to choose their work location for up to 12 consecutive months while keeping their current payroll.
• Referral bonus program: We give a USD 500 bonus for successful referrals (if the candidate is hired and completes three months). This increases to USD 1000 for referrals from Africa or Asia.
• Learning & development: Employees get access to many courses and language lessons through a Premium Coursera subscription.
• Language classes: We offer free English, Spanish, or Portuguese classes.
• Social budget: Employees receive a monthly budget for team socialization, which can be used for both in-person and remote activities.
• dLocal Houses: Employees can rent a house for one week anywhere in the world to co-work with their team.