dLocal

aid: d-local
name: dLocal
url: https://raw.githubusercontent.com/api-evangelist/d-local/refs/heads/main/apis.yml
image: https://avatars.githubusercontent.com/u/22692935
description: |
  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.
created: '2026-05-24'
modified: '2026-05-24'
position: Consuming
specificationVersion: '0.16'
tags:
  - Payments
  - Payouts
  - EmergingMarkets
  - LatAm
  - Africa
  - Asia
  - FX
  - Fintech
apis:
  - aid: d-local:d-local-payments-api
    name: dLocal Payments API
    tags:
      - Payments
      - Payins
      - Cards
    humanURL: https://docs.dlocal.com/reference/create-payment
    baseURL: https://api.dlocal.com
    properties:
      - url: https://docs.dlocal.com/reference/create-payment
        type: Documentation
      - url: https://docs.dlocal.com/reference/retrieve-a-payment
        type: Documentation
      - url: https://docs.dlocal.com/docs/make-payment
        type: GettingStarted
      - url: openapi/d-local-payments-api-openapi.yml
        type: OpenAPI
      - url: json-schema/payments-payment-schema.json
        type: JSONSchema
      - url: json-structure/payments-payment-structure.json
        type: JSONStructure
      - url: examples/payments-create-payment-example.json
        type: Example
      - url: examples/payments-retrieve-payment-example.json
        type: Example
      - url: examples/payments-pix-example.json
        type: Example
      - url: capabilities/payments-payments.yaml
        type: NaftikoCapability
    description: |
      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, wallets, and QR codes across 60+
      countries. Authenticated with V2-HMAC-SHA256 signature.
  - aid: d-local:d-local-refunds-api
    name: dLocal Refunds API
    tags:
      - Refunds
      - Payments
    humanURL: https://docs.dlocal.com/reference/make-a-refund
    baseURL: https://api.dlocal.com
    properties:
      - url: https://docs.dlocal.com/reference/make-a-refund
        type: Documentation
      - url: https://docs.dlocal.com/docs/refunds
        type: Documentation
      - url: openapi/d-local-refunds-api-openapi.yml
        type: OpenAPI
      - url: json-schema/refunds-refund-schema.json
        type: JSONSchema
      - url: examples/refunds-make-refund-example.json
        type: Example
      - url: capabilities/refunds-refunds.yaml
        type: NaftikoCapability
    description: |
      Create, retrieve, and inspect refunds against previously successful
      payments. Refunds may be full or partial and are settled in the
      original payment currency.
  - aid: d-local:d-local-cards-api
    name: dLocal Cards API
    tags:
      - Cards
      - Tokenization
    humanURL: https://docs.dlocal.com/reference/create-a-card
    baseURL: https://api.dlocal.com
    properties:
      - url: https://docs.dlocal.com/reference/create-a-card
        type: Documentation
      - url: https://docs.dlocal.com/docs/saving-cards
        type: Documentation
      - url: openapi/d-local-cards-api-openapi.yml
        type: OpenAPI
      - url: json-schema/cards-card-token-schema.json
        type: JSONSchema
      - url: examples/cards-create-card-example.json
        type: Example
      - url: capabilities/cards-cards.yaml
        type: NaftikoCapability
    description: |
      Securely tokenize cards (server-side) for repeat usage. Returns a
      card_id token consumable by subsequent Payments and Authorizations.
  - aid: d-local:d-local-payouts-v3-api
    name: dLocal Payouts V3 API
    tags:
      - Payouts
      - Disbursements
      - Crossborder
    humanURL: https://docs.dlocal.com/reference/requesting-payout-v3
    baseURL: https://api.dlocal.com
    properties:
      - url: https://docs.dlocal.com/reference/requesting-payout-v3
        type: Documentation
      - url: https://docs.dlocal.com/docs/overview-payouts-v3
        type: Documentation
      - url: https://docs.dlocal.com/reference/security-payouts-v3
        type: Authentication
      - url: openapi/d-local-payouts-v3-api-openapi.yml
        type: OpenAPI
      - url: json-schema/payouts-v3-payout-schema.json
        type: JSONSchema
      - url: json-structure/payouts-v3-payout-structure.json
        type: JSONStructure
      - url: examples/payouts-v3-request-payout-example.json
        type: Example
      - url: examples/payouts-v3-get-balance-example.json
        type: Example
      - url: capabilities/payouts-v3-payouts.yaml
        type: NaftikoCapability
    description: |
      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 cancel operations. Uses
      OAuth2 Bearer authentication.
  - aid: d-local:d-local-platforms-api
    name: dLocal For Platforms API
    tags:
      - Marketplace
      - Platforms
      - Accounts
      - KYC
    humanURL: https://docs.dlocal.com/docs/platforms-overview
    baseURL: https://marketplace-api.dlocal.com
    properties:
      - url: https://docs.dlocal.com/docs/platforms-overview
        type: Documentation
      - url: https://docs.dlocal.com/reference/create-account-v2-platforms-1
        type: Documentation
      - url: https://docs.dlocal.com/reference/notifications-v2-platforms
        type: Documentation
      - url: openapi/d-local-platforms-api-openapi.yml
        type: OpenAPI
      - url: json-schema/platforms-account-schema.json
        type: JSONSchema
      - url: examples/platforms-create-account-example.json
        type: Example
      - url: capabilities/platforms-accounts.yaml
        type: NaftikoCapability
    description: |
      The dLocal for Platforms (marketplace) API onboards sub-merchant
      accounts, manages KYC, attaches bank accounts, settles inter-account
      transfers, and reports balances. Designed for marketplaces and
      platforms that hold funds on behalf of sub-users.
  - aid: d-local:d-local-kyc-verifications-api
    name: dLocal KYC Verifications API
    tags:
      - KYC
      - Compliance
      - Verifications
    humanURL: https://docs.dlocal.com/docs/kyc-verifications-overview
    baseURL: https://api.dlocal.com
    properties:
      - url: https://docs.dlocal.com/docs/kyc-verifications-overview
        type: Documentation
      - url: https://docs.dlocal.com/docs/kyc-verifications-process
        type: Documentation
      - url: https://docs.dlocal.com/reference/create-verification-1
        type: Documentation
      - url: openapi/d-local-kyc-verifications-api-openapi.yml
        type: OpenAPI
      - url: examples/kyc-create-verification-example.json
        type: Example
      - url: capabilities/kyc-verifications.yaml
        type: NaftikoCapability
    description: |
      Create and manage KYC verifications across remittance, payouts-on-hold,
      payins-on-hold, and standalone flows. Receives asynchronous status
      updates via webhook.
  - aid: d-local:d-local-chargebacks-api
    name: dLocal Chargebacks API
    tags:
      - Chargebacks
      - Disputes
      - Payments
    humanURL: https://docs.dlocal.com/reference/retrieve-a-chargeback
    baseURL: https://api.dlocal.com
    properties:
      - url: https://docs.dlocal.com/reference/retrieve-a-chargeback
        type: Documentation
      - url: https://docs.dlocal.com/docs/chargebacks
        type: Documentation
      - url: https://docs.dlocal.com/docs/chargeback-categories
        type: Documentation
      - url: openapi/d-local-chargebacks-api-openapi.yml
        type: OpenAPI
    description: |
      Retrieve chargeback details and status, simulate chargebacks in the
      sandbox, and receive asynchronous chargeback notifications via webhook.
  - aid: d-local:d-local-enrollments-api
    name: dLocal Enrollments API
    tags:
      - Enrollments
      - Recurring
      - Pix
      - Brazil
    humanURL: https://docs.dlocal.com/reference/create-enrollment
    baseURL: https://api.dlocal.com
    properties:
      - url: https://docs.dlocal.com/reference/create-enrollment
        type: Documentation
      - url: https://docs.dlocal.com/docs/brazil-pix-automatico
        type: Documentation
      - url: https://docs.dlocal.com/docs/brazil-pix-biometrics
        type: Documentation
      - url: https://docs.dlocal.com/docs/brazil-smartpix
        type: Documentation
      - url: openapi/d-local-enrollments-api-openapi.yml
        type: OpenAPI
    description: |
      Enroll payers for recurring Pix Automático, Pix Biometrics, and
      SmartPix transactions. Once enrolled, payers can be charged
      repeatedly without re-authorization.
  - aid: d-local:d-local-exchange-rates-api
    name: dLocal Exchange Rates API
    tags:
      - FX
      - ExchangeRates
    humanURL: https://docs.dlocal.com/reference/get-an-exchange-rate
    baseURL: https://api.dlocal.com
    properties:
      - url: https://docs.dlocal.com/reference/get-an-exchange-rate
        type: Documentation
      - url: openapi/d-local-exchange-rates-api-openapi.yml
        type: OpenAPI
      - url: examples/exchange-rates-get-rate-example.json
        type: Example
    description: |
      Retrieve real-time FX rates between settlement currencies and local
      currencies before creating a payment or payout.
common:
  - url: https://dlocal.com/
    type: Portal
  - url: https://docs.dlocal.com/
    type: Documentation
  - url: https://docs.dlocal.com/reference/api
    type: APIReference
  - url: https://docs.dlocal.com/docs/get-started
    type: GettingStarted
  - url: https://docs.dlocal.com/docs/make-a-test-payment
    name: Make a test payment
    type: Quickstart
  - url: https://docs.dlocal.com/docs/enable-live-mode
    type: Documentation
  - url: https://docs.dlocal.com/docs/initial-settings
    type: Documentation
  - url: https://docs.dlocal.com/docs/generate-signature
    type: Authentication
  - url: https://docs.dlocal.com/docs/get-api-credentials-new
    type: Authentication
  - url: https://docs.dlocal.com/docs/pci-compliance
    type: Compliance
  - url: https://docs.dlocal.com/docs/using-llms
    name: Using LLMs with dLocal (MCP Server)
    type: Documentation
  - url: https://docs.dlocal.com/llms.txt
    name: dLocal LLM-friendly docs index
    type: Documentation
  - url: https://docs.dlocal.com/reference/postman-api-collection
    name: dLocal Postman Collection
    type: SDK
  - url: https://dlocal.statuspage.io/
    type: StatusPage
  - url: https://dlocal.com/blog/
    type: Blog
  - url: https://dlocal.com/contact-sales/
    type: SignUp
  - url: https://dlocal.com/careers/
    name: dLocal Careers
    type: Resources
  - url: https://dlocal.com/press-releases/
    name: dLocal Press Releases
    type: Newsletter
  - url: https://investor.dlocal.com/
    name: 'dLocal Investor Relations (NASDAQ: DLO)'
    type: Resources
  - url: https://dlocal.com/terms-and-conditions/
    type: TermsOfService
  - url: https://dlocal.com/privacy-policy/
    type: PrivacyPolicy
  - url: http://intercom.help/end-user-team-faqs/en
    type: Support
  - url: https://github.com/dlocal
    type: GitHubOrganization
  - url: https://github.com/dlocal/dlocal-direct-ios-sdk
    name: dLocal Direct iOS SDK
    type: SDK
  - url: https://github.com/dlocal/dlocal-direct-android-sdk
    name: dLocal Direct Android SDK
    type: SDK
  - url: https://github.com/dlocal/mobile-checkout-sdk-ios
    name: dLocal Mobile Checkout iOS SDK
    type: SDK
  - url: https://github.com/dlocal/mobile-checkout-sdk-android
    name: dLocal Mobile Checkout Android SDK
    type: SDK
  - url: https://github.com/dlocal/web-drop-in-sdk-android
    name: dLocal Web Drop-In Android SDK
    type: SDK
  - url: https://github.com/dlocal/data-collector-sdk-ios
    name: dLocal Data Collector iOS SDK
    type: SDK
  - url: https://github.com/dlocal/data-collector-sdk-android
    name: dLocal Data Collector Android SDK
    type: SDK
  - url: https://github.com/dlocal/dlocal-data-collector-capacitor-plugin
    name: dLocal Data Collector Capacitor Plugin
    type: SDK
  - url: https://github.com/dlocal/dlocal-direct-js-native-integration
    name: dLocal Direct JS-Native Integration
    type: SDK
  - url: https://github.com/dlocal/smart-fields-examples
    name: dLocal SmartFields Examples
    type: CodeExamples
  - url: https://github.com/dlocal/Starter-Code-Examples
    name: dLocal Starter Code Examples
    type: CodeExamples
  - url: https://docs.dlocal.com/reference/including-dlocaljs
    name: dlocal.js (SmartFields)
    type: SDK
  - url: https://docs.dlocal.com/reference/troubleshooting-integration
    type: Troubleshooting
  - url: https://docs.dlocal.com/reference/troubleshooting-signature
    type: Troubleshooting
  - url: https://docs.dlocal.com/reference/payment-status-codes
    type: Documentation
  - url: https://docs.dlocal.com/reference/http-errors-payments
    type: Errors
  - url: https://docs.dlocal.com/reference/http-errors-refunds
    type: Errors
  - url: https://docs.dlocal.com/reference/http-errors-cards
    type: Errors
  - url: https://docs.dlocal.com/reference/error-codes-payouts-v3
    type: Errors
  - url: https://docs.dlocal.com/reference/country-reference
    type: Documentation
  - url: https://docs.dlocal.com/docs/overview-payins
    type: Documentation
  - url: https://docs.dlocal.com/docs/overview-payouts-v3
    type: Documentation
  - url: https://docs.dlocal.com/docs/platforms-overview
    type: Documentation
  - url: https://docs.dlocal.com/docs/overview-smart-fields
    name: SmartFields overview
    type: Documentation
  - url: https://docs.dlocal.com/docs/integrate-checkout
    name: dLocal Go (Hosted Checkout)
    type: Documentation
  - url: https://docs.dlocal.com/docs/payment-links
    type: Documentation
  - url: https://docs.dlocal.com/docs/fraud-prevention
    name: Defense Suite (Fraud Prevention)
    type: Documentation
  - url: rules/d-local-rules.yml
    type: SpectralRules
  - url: vocabulary/d-local-vocabulary.yml
    type: Vocabulary
  - url: json-ld/d-local-context.jsonld
    type: JSONLD
  - url: capabilities/emerging-markets-payments.yaml
    name: dLocal Emerging-Markets Payments Workflow
    type: NaftikoCapability
  - url: plans/d-local-plans-pricing.yml
    type: Plans
  - url: rate-limits/d-local-rate-limits.yml
    type: RateLimits
  - url: finops/d-local-finops.yml
    type: FinOps
  - type: Features
    data:
      - 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
    sources:
      - https://dlocal.com/
      - https://docs.dlocal.com/
      - https://docs.dlocal.com/reference/api
      - https://github.com/dlocal
  - type: UseCases
    data:
      - name: Global subscription billing in emerging markets
        description: Charge LatAm, African, and Asian customers in their preferred local currency and method (Pix, UPI, mobile money) for SaaS, streaming, and gaming subscriptions.
      - name: Cross-border payroll and contractor payouts
        description: Pay employees and contractors in 60+ countries using instant local rails, bank transfers, mobile money, and cash pick-up.
      - name: Marketplace and platform payouts
        description: Onboard sub-merchants via dLocal for Platforms, split payments, and settle balances between accounts.
      - name: Remittances
        description: Power consumer remittance corridors with FX quoting, KYC verification, and local-currency disbursement.
      - name: Travel and ride-hailing
        description: Enable global travel and mobility platforms to collect from local consumers and pay out to local drivers/hosts.
      - name: E-commerce expansion
        description: Help global merchants like Amazon, Shein, and Shopify accept local methods such as Boleto, OXXO, SPEI, and Pix.
      - name: Stablecoin settlement
        description: Use Stablecoin Full for cross-border settlement when fiat rails are slow or expensive.
  - type: Integrations
    data:
      - name: Brazil Pix
        description: Native Pix, Pix Automático (recurring), Pix Biometrics, and SmartPix support.
      - name: India UPI and network tokenization
        description: UPI collect/intent flows plus RBI-compliant network tokenization.
      - name: Africa M-Pesa and Mobile Money
        description: M-Pesa, MTN MoMo, Orange Money, and other Mobile Money rails.
      - name: Mexico SPEI and OXXO
        description: Bank transfer (SPEI) and cash voucher (OXXO) coverage.
      - name: Stablecoins
        description: Stablecoin Full product for crypto-rail settlement.
      - name: Google Pay (Paytm bridge)
        description: Google Pay integration via the Paytm bridge.
      - name: Mercado Pago
        description: Device ID object support for fraud signals on Mercado Pago.
      - name: Postman
        description: Official Postman collection covering the full REST API.
      - name: Model Context Protocol (MCP)
        description: Built-in dLocal MCP server exposes API operations to LLM agents.
  - type: Solutions
    data:
      - name: Payins
        description: Accept local payment methods across 60+ countries.
      - name: Payouts
        description: Disburse funds via local rails to employees, contractors, partners, and consumers.
      - name: dLocal for Platforms
        description: Marketplace and platform multi-merchant payment solution.
      - name: Defense Suite
        description: Fraud-management and chargeback-prevention toolkit.
      - name: Invoice Collection
        description: Local-currency billing and collection.
      - name: Stablecoin Full
        description: Stablecoin payin/payout rails for cross-border settlement.
      - name: dLocal Direct
        description: Mobile SDK product for native iOS and Android in-app checkout.
      - name: SmartFields
        description: Client-side field-level tokenization via dlocal.js.
      - name: dLocal Go
        description: Hosted checkout product.
      - name: Payment Links
        description: Shareable links for one-off collections.
maintainers:
  - FN: Kin Lane
    email: [email protected]
    X: apievangelist
    url: https://apievangelist.com