dLocal website screenshot

dLocal

dLocal (NASDAQ: DLO) is a Uruguay-headquartered emerging-markets payment infrastructure platform connecting global merchants with billions of consumers across 60+ countries in Latin America, Africa, the Middle East, and Asia. dLocal exposes a unified set of REST APIs for accepting payments (Payins) via 1,000+ local methods, disbursing funds (Payouts V3) to beneficiaries via local rails, tokenizing cards, managing marketplace sub-merchants (dLocal for Platforms), performing KYC verifications, handling chargebacks, enrolling users for recurring Pix flows, and pulling real-time exchange rates. Native iOS and Android SDKs are published as open source on GitHub.

9 APIs 23 Features
PaymentsPayoutsEmergingMarketsLatAmAfricaAsiaFXFintech

APIs

dLocal Payments API

Create, retrieve, cancel, and authorize payments using 1,000+ local payment methods including cards, Pix, UPI, M-Pesa, Boleto, OXXO, SPEI, mobile money, cash vouchers, BNPL, wal...

dLocal Refunds API

Create, retrieve, and inspect refunds against previously successful payments. Refunds may be full or partial and are settled in the original payment currency.

dLocal Cards API

Securely tokenize cards (server-side) for repeat usage. Returns a card_id token consumable by subsequent Payments and Authorizations.

dLocal Payouts V3 API

Disburse funds to beneficiaries across 60+ countries via local bank transfers, instant payments, cards, mobile money, and cash pick-up. Includes balance, quoting, release, and c...

dLocal For Platforms API

The dLocal for Platforms (marketplace) API onboards sub-merchant accounts, manages KYC, attaches bank accounts, settles inter-account transfers, and reports balances. Designed f...

dLocal KYC Verifications API

Create and manage KYC verifications across remittance, payouts-on-hold, payins-on-hold, and standalone flows. Receives asynchronous status updates via webhook.

dLocal Chargebacks API

Retrieve chargeback details and status, simulate chargebacks in the sandbox, and receive asynchronous chargeback notifications via webhook.

dLocal Enrollments API

Enroll payers for recurring Pix Automático, Pix Biometrics, and SmartPix transactions. Once enrolled, payers can be charged repeatedly without re-authorization.

dLocal Exchange Rates API

Retrieve real-time FX rates between settlement currencies and local currencies before creating a payment or payout.

Collections

Arazzo Workflows

dLocal Authorize and Capture Payment

Authorize a card transaction, confirm the authorization, then capture the funds.

ARAZZO

dLocal Cancel Pending Payment

Create an alternative payment, check its status, and cancel it while it is still PENDING.

ARAZZO

dLocal Create and Resolve KYC Verification

Create a KYC verification, confirm it persisted, then branch on its status to update state or list documents.

ARAZZO

dLocal Create Payment and Confirm Status

Discover a supported payment method, create a payment, then poll its status until it settles.

ARAZZO

dLocal Enroll and Charge Recurring

Enroll a payer for Pix Automatico, confirm the enrollment is ACTIVE, then place the first recurring charge.

ARAZZO

dLocal FX Preview and Pay

Preview the exchange rate for a corridor, then create a payment in the local currency.

ARAZZO

dLocal Hold and Release Payout

Request a payout on hold, review it, then release or cancel based on the review.

ARAZZO

dLocal List and Inspect Payment Refunds

Confirm a payment, list all refunds raised against it, then retrieve one refund in detail.

ARAZZO

dLocal Manage Account Bank Accounts

Add a bank account to a sub-merchant, list the account's bank accounts, retrieve one, then disable it.

ARAZZO

dLocal Onboard Sub-Merchant Account

Create a platform sub-merchant account, attach a bank account, then confirm KYC and balance.

ARAZZO

dLocal Quote and Request Payout

Check balance, lock an FX quote, request a payout against the quote, then confirm its status.

ARAZZO

dLocal Refund Payment and Confirm

Confirm a payment is PAID, issue a refund against it, then verify the refund status.

ARAZZO

dLocal Settle Transfer Between Accounts

Check the source account balance, transfer funds to another account, then confirm the transfer.

ARAZZO

dLocal Simulate and Inspect Chargeback

Create a payment, simulate a chargeback against it in sandbox, then inspect the chargeback and its status.

ARAZZO

dLocal Tokenize Card and Charge

Tokenize a card, verify the stored token, then charge it in a card payment.

ARAZZO

Pricing Plans

D Local Plans Pricing

5 plans

PLANS

Rate Limits

D Local Rate Limits

4 limits

RATE LIMITS

FinOps

Features

1,000+ local payment methods across 60+ countries in Latin America, Africa, the Middle East, and Asia
Single REST API for Payins, Payouts, Refunds, Cards, Chargebacks, Enrollments, and Exchange Rates
Payments API authenticated with V2-HMAC-SHA256 signature (X-Login, X-Trans-Key, X-Date)
Payouts V3 API with OAuth2 Bearer tokens, quotes for FX lock-in, on-hold release, and explicit fee breakdown
dLocal for Platforms (marketplace) API for sub-merchant onboarding, KYC, bank accounts, balances, and inter-account transfers
KYC Verifications API for remitter, beneficiary, and standalone identity checks
Brazilian Pix support including Pix Automático recurring, Pix Biometrics, and SmartPix
India network tokenization for RBI-compliant card storage
African Mobile Money (M-Pesa and equivalents) and Africa-specific instant payment rails
Authorization and capture flow for delayed-capture card transactions
3D Secure 2.x authentication and card network token support
SmartFields client-side field-level tokenization via dlocal.js
SmartPix native and redirect flows for Brazilian recurring on-demand payments
Defense Suite for fraud management and chargeback prevention
Virtual Accounts for bank-transfer reconciliation
Hosted Checkout (dLocal Go) and Payment Links
dLocal Direct, Mobile Checkout, Web Drop-In, and Data Collector SDKs for iOS, Android, and Capacitor
Postman Collection and llms.txt index of OpenAPI operations
Built-in dLocal MCP Server for LLM-assisted integration
Sandbox environment at sandbox.dlocal.com (and marketplace-api.dlocal-sbox.com) with chargeback simulation
Webhook notifications for payments, refunds, chargebacks, payouts, verifications, and platform accounts
Real-time exchange rate endpoint for quoting before payin/payout
IP allow-list enforcement on production endpoints

Use Cases

Global subscription billing in emerging markets

Charge LatAm, African, and Asian customers in their preferred local currency and method (Pix, UPI, mobile money) for SaaS, streaming, and gaming subscriptions.

Cross-border payroll and contractor payouts

Pay employees and contractors in 60+ countries using instant local rails, bank transfers, mobile money, and cash pick-up.

Marketplace and platform payouts

Onboard sub-merchants via dLocal for Platforms, split payments, and settle balances between accounts.

Remittances

Power consumer remittance corridors with FX quoting, KYC verification, and local-currency disbursement.

Travel and ride-hailing

Enable global travel and mobility platforms to collect from local consumers and pay out to local drivers/hosts.

E-commerce expansion

Help global merchants like Amazon, Shein, and Shopify accept local methods such as Boleto, OXXO, SPEI, and Pix.

Stablecoin settlement

Use Stablecoin Full for cross-border settlement when fiat rails are slow or expensive.

Integrations

Brazil Pix

Native Pix, Pix Automático (recurring), Pix Biometrics, and SmartPix support.

India UPI and network tokenization

UPI collect/intent flows plus RBI-compliant network tokenization.

Africa M-Pesa and Mobile Money

M-Pesa, MTN MoMo, Orange Money, and other Mobile Money rails.

Mexico SPEI and OXXO

Bank transfer (SPEI) and cash voucher (OXXO) coverage.

Stablecoins

Stablecoin Full product for crypto-rail settlement.

Google Pay (Paytm bridge)

Google Pay integration via the Paytm bridge.

Mercado Pago

Device ID object support for fraud signals on Mercado Pago.

Postman

Official Postman collection covering the full REST API.

Model Context Protocol (MCP)

Built-in dLocal MCP server exposes API operations to LLM agents.

Solutions

Payins

Accept local payment methods across 60+ countries.

Payouts

Disburse funds via local rails to employees, contractors, partners, and consumers.

dLocal for Platforms

Marketplace and platform multi-merchant payment solution.

Defense Suite

Fraud-management and chargeback-prevention toolkit.

Invoice Collection

Local-currency billing and collection.

Stablecoin Full

Stablecoin payin/payout rails for cross-border settlement.

dLocal Direct

Mobile SDK product for native iOS and Android in-app checkout.

SmartFields

Client-side field-level tokenization via dlocal.js.

dLocal Go

Hosted checkout product.

Payment Links

Shareable links for one-off collections.

Semantic Vocabularies

D Local Context

40 classes · 7 properties

JSON-LD

API Governance Rules

dLocal API Rules

6 rules · 4 warnings

SPECTRAL

JSON Structure

Payments Payment Structure

0 properties

JSON STRUCTURE

Payouts V3 Payout Structure

0 properties

JSON STRUCTURE

Example Payloads

Cards Create Card Example

2 fields

EXAMPLE

Payments Pix Example

2 fields

EXAMPLE

Refunds Make Refund Example

2 fields

EXAMPLE

Resources

🔗
PostmanWorkspace
PostmanWorkspace
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🔗
Arazzo
Arazzo
🌐
Portal
Portal
🔗
Documentation
Documentation
🔗
APIReference
APIReference
🚀
GettingStarted
GettingStarted
🚀
GettingStarted
GettingStarted
🔗
Documentation
Documentation
🔗
Documentation
Documentation
🔑
Authentication
Authentication
🔑
Authentication
Authentication
🔗
Compliance
Compliance
🔗
Documentation
Documentation
🔗
Documentation
Documentation
📦
SDKs
SDKs
🟢
StatusPage
StatusPage
📰
Blog
Blog
📝
Signup
Signup
🔗
Resources
Resources
📰
Newsletter
Newsletter
🔗
Resources
Resources
📜
TermsOfService
TermsOfService
📜
PrivacyPolicy
PrivacyPolicy
💬
Support
Support
👥
GitHubOrganization
GitHubOrganization
📦
SDKs
SDKs
📦
SDKs
SDKs
📦
SDKs
SDKs
📦
SDKs
SDKs
📦
SDKs
SDKs
📦
SDKs
SDKs
📦
SDKs
SDKs
📦
SDKs
SDKs
📦
SDKs
SDKs
💻
CodeExamples
CodeExamples
💻
CodeExamples
CodeExamples
📦
SDKs
SDKs
🔗
Troubleshooting
Troubleshooting
🔗
Troubleshooting
Troubleshooting
🔗
Documentation
Documentation
💻
ErrorCodes
ErrorCodes
💻
ErrorCodes
ErrorCodes
💻
ErrorCodes
ErrorCodes
💻
ErrorCodes
ErrorCodes
🔗
Documentation
Documentation
🔗
Documentation
Documentation
🔗
Documentation
Documentation
🔗
Documentation
Documentation
🔗
Documentation
Documentation
🔗
Documentation
Documentation
🔗
Documentation
Documentation
🔗
Documentation
Documentation
🔗
SpectralRules
SpectralRules
🔗
Vocabulary
Vocabulary
🔗
JSONLD
JSONLD
🔗
Plans
Plans
🔗
RateLimits
RateLimits
🔗
FinOps
FinOps

Sources

Raw ↑
opencollection: 1.0.0
info:
  name: dLocal Refunds API
  version: '2.1'
request:
  auth:
    type: apikey
    key: Authorization
    value: '{{Authorization}}'
    placement: header
items:
- info:
    name: Refunds
    type: folder
  items:
  - info:
      name: Make A Refund
      type: http
    http:
      method: POST
      url: https://api.dlocal.com/refunds
      body:
        type: json
        data: '{}'
    docs: Initiate a refund for a previous payment. Omit `amount` to refund the full payment.
  - info:
      name: Retrieve A Refund
      type: http
    http:
      method: GET
      url: https://api.dlocal.com/refunds/:refund_id
      params:
      - name: refund_id
        value: ''
        type: path
    docs: Retrieve a refund by ID.
  - info:
      name: Retrieve A Refund Status
      type: http
    http:
      method: GET
      url: https://api.dlocal.com/refunds/:refund_id/status
      params:
      - name: refund_id
        value: ''
        type: path
    docs: Retrieve just the status of a refund.
  - info:
      name: Retrieve Order Refund
      type: http
    http:
      method: GET
      url: https://api.dlocal.com/payments/:payment_id/refunds
      params:
      - name: payment_id
        value: ''
        type: path
    docs: List all refunds for a given payment.
bundled: true