dLocal
Cross-border payment infrastructure for enterprises in emerging markets.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- DLocal Limited
- Entity type
- COMPANY
- Founded
- 2016
- Headquarters
- Dr. Luis Bonavita 1294, Montevideo, Uruguay 11300
- Company size
- 501–1,000
- Market role
- B2B SaaS Provider
- Ticker
- DLO
- Official website
- dlocal.com
What dLocal does
dLocal operates a B2B payments infrastructure model. It integrates with merchants and platforms via API and provides access to local payment methods, routing, payout rails, settlement, and risk controls across multiple emerging markets. The company creates value by abstracting away fragmented local acquiring, regulatory, currency, and operational complexity, allowing customers to expand internationally with one technical integration rather than building country-by-country payment stacks.
Category differentiation
dLocal is a payment infrastructure provider for businesses, not a consumer wallet or merchant of record brand. It should also not be confused with adtech, martech, or localisation software despite the name.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
dLocal is a publicly listed cross-border payments company that enables global enterprises to accept payments and send payouts across emerging markets through a single API integration. Its core products include payment acceptance, disbursements, marketplace payment flows, invoice collection, fraud and chargeback tooling, and a crypto-to-fiat payments bridge. The company is positioned as infrastructure for merchants and platforms that need local payment methods, local currency settlement, and compliance handling in markets that are operationally complex. The business primarily generates revenue from transaction-based fees charged to merchants and platforms using its payment rails, with additional monetisation from foreign exchange spreads, payout and settlement fees, and risk-related services. Its customers are not end consumers; they are enterprise merchants, SaaS businesses, marketplaces, fintechs, gaming companies, payroll providers, and other global digital businesses expanding into emerging markets.
Company news briefing
Briefing updated:
Building on its FY2025 milestone of $1 billion in revenue, dLocal has formalised its Q1 2026 financial performance through recent SEC filings and earnings disclosures. The firm continues to mitigate margin compression by scaling its 'BNPL Fuse' and 'Stablecoin Full' solutions to stabilise unit economics across emerging markets. These developments, complemented by the recent sponsorship of the Uruguayan national football team, demonstrate a focus on deepening regional visibility while diversifying its payment infrastructure and settlement tools for a global merchant base.
Business model & monetisation
dLocal monetises mainly through transaction-based processing fees charged to merchants and platform customers. Pricing combines merchant discount rates and fixed per-transaction fees that vary by geography and payment method. Additional revenue streams include foreign exchange spreads on cross-border flows, payout and settlement fees, chargeback and fraud-management related fees, and optional advanced settlement services. Large enterprise customers may negotiate lower take rates as volume scales.
- Payment processing fees on merchant transactions
- Percentage take-rate and per-transaction fees
- Foreign exchange spreads on cross-border transactions
- Spread-based monetisation
- Payout and settlement fees
- Transactional API and disbursement fees
- Fraud, chargeback, and dispute-related services
- Service-linked and usage-based fees
- Advanced settlement services
- Optional service fees
Products & capabilities
No products with linked sources are available in this view.
Products & market categories
Competitors & alternatives
- Paymentwall
Cross-border payment infrastructure for global digital merchants.
- Payoneer
Cross-border payments and workforce platform for global businesses.
Side-by-side comparisons
Recent recorded signals
Dates refer to the source publication. Older entries are historical context, not evidence of a new event.
New dLocal Report Finds 71% of Emerging-Market Shoppers Unlikely to Purchase without Local Payment Options
Recorded impact score: 4/5
dLocal published a new report revealing that 71% of emerging-market shoppers are unlikely to purchase without local payment options. Additionally, the Bank of Ghana granted dLocal an EPSP license to expand secure digital payments.
6-K Financial Filing Analysis for dLocal (2026-08-13)
financials · Recorded impact score: 2.5/5
On August 13, 2026, dLocal Limited submitted a Form 6-K filing with the SEC announcing the release of its financial results for the second quarter and six-month period ended June 30, 2026. The submission furnishes key investor materials, including the Q2 2026 earnings press release, unaudited consolidated condensed interim financial statements for Q2 2026 and Q2 2025, the Q2 2026 quarterly report, and the earnings presentation deck. Signed by Chief Financial Officer Guillermo López Pérez, the filing serves as the regulatory vehicle providing market transparency into dLocal's quarterly operational performance and financial position across its emerging market payment corridors.
- Furnished unaudited consolidated interim financial statements for the three- and six-month periods ended June 30, 2026 and June 30, 2025.
- Included the Q2 2026 earnings press release (Exhibit 99.1), quarterly report (Exhibit 99.3), and investor presentation (Exhibit 99.4).
Investor Presentation Released: dLocal
financials · Recorded impact score: 4/5
AI parsed presentation narrative: dLocal maintains a zero-tolerance approach to modern slavery and human trafficking across its global operations. The Group leverages an enhanced risk-based third-party due diligence procedure to identify and mitigate human rights risks within its technology-driven value chain and emerging market footprint. Key tailwinds mentioned: Enhanced Governance Framework, Regulatory Compliance.
Explore company relationships
Questions about dLocal
What is dLocal?
dLocal is a cross-border payment infrastructure company that helps businesses accept payments and send payouts in emerging markets through a single API.
Who uses dLocal?
Its customers are businesses such as enterprise merchants, marketplaces, SaaS firms, gaming companies, fintechs, payroll providers, and platform operators.
How does dLocal make money?
It mainly earns transaction-based processing fees, plus foreign exchange spreads, payout and settlement fees, and some fraud and chargeback-related fees.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
19 publicly documented primary sources and citations linked across the market graph.
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