DLocal (NASDAQ:DLO) (NASDAQ: DLO) is a fintech company specializing in cross-border payments for global merchants operating in emerging markets. The company offers a unified payments platform that enables businesses to accept and process local payment methods, such as credit and debit cards, e-wallets, bank transfers and cash-based options, while handling the complexities of regulatory compliance, currency conversion and settlement. By streamlining the payment process, dLocal helps merchants improve authorization rates and expand their customer reach in regions that are traditionally underserved by global payment networks.
The dLocal platform is built on a proprietary technology stack that provides a single API integration, enabling merchants to connect to multiple local payment methods in a single integration point. The solution includes built-in fraud detection and risk management tools, real-time reconciliation, and multi-currency settlement. These capabilities allow merchants to manage transactions, monitor performance and optimize payment routes through a centralized dashboard, reducing operational overhead and accelerating time to market.
Since its founding, dLocal has focused on serving over 30 emerging markets across Latin America, Asia and Africa. Key markets include Brazil, Mexico, India, Indonesia and Nigeria, where the company works closely with local banks and payment networks to secure competitive rates and high authorization rates. Its global footprint is supported by regional offices and local experts who navigate regulatory environments and ensure compliance with anti-money laundering (AML) and Know Your Customer (KYC) requirements.
dLocal was founded in 2016 in Montevideo, Uruguay, by CEO Andrés Bzurovski and COO Sergio Fogel. Under their leadership, the company has grown rapidly, attracting strategic partnerships with major e-commerce, gaming and travel brands. The leadership team draws on deep expertise in financial technology, risk management and emerging market dynamics, positioning dLocal as a key enabler for companies seeking to scale in complex international markets.
