# dLocal

**Canonical:** https://apis.io/providers/d-local/  
**Website:** https://dlocal.com/  
**APIs profiled:** 16

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.

## Kin Score — 65.7 / 100 (strong)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 65.7).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 62.9 |
| Governance | 25.0 |
| Contract Governance | 25.0 |
| Operational Transparency | 52.6 |
| Developer Ergonomics | 73.8 |
| Commercial Clarity | 81.6 |
| Access Clarity | 81.6 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 36.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | documented |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Enterprise · Self-serve signup — onboarding: self-serve, pricing: enterprise, trial: no (confidence: high).

## APIs (16)

- **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 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 Accounts API** — Create and manage sub-merchant accounts.
- **dLocal Authorizations API** — Authorize a card transaction and capture or cancel later.
- **dLocal Balance API** — Inspect available merchant balance for payouts.
- **dLocal BankAccounts API** — Manage bank accounts attached to sub-merchant accounts.
- **dLocal Documents API** — Upload and retrieve verification documents.
- **dLocal ExchangeRates API** — Retrieve real-time FX rates.
- **dLocal KYC API** — Submit KYC data and documents for accounts.
- **dLocal Payouts API** — Request, retrieve, release, and cancel payouts.
- **dLocal Quotes API** — Lock in an FX quote before requesting a payout.
- **dLocal Transfers API** — Settle and transfer between accounts.
- **dLocal Verifications API** — Create and inspect KYC verifications.

## Agentic access (1)

- **D Local Agentic Access** — 49 operations · 27 acting · 1 human-in-the-loop

## Security (2)

- **D Local Authentication** — apiKey/http · 2 schemes
- **D Local Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **D Local Plans Pricing**

## Use cases (7)

- **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.

## Tags

Payments, Payouts, Emerging Markets, LatAm, Africa, Asia, FX, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/d-local/). Scores are computed from the provider's own public artifacts under a published rubric.