With dLocal, marketplaces can turn that complexity into local, seamless payment experiences in 60+ emerging markets and 1,000+ local and alternative payment methods, while keeping a single payments backbone for payins, payouts, and platform flows.
Use it when you:
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Run multi-sided payments
Run a multi‑sided marketplace (B2C, B2B, C2C, or hybrid) and need to support payins, payouts, and split payments in emerging markets.
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Replace card-only checkout
Want to replace card‑only, cross‑border setups that don’t match mobile‑first user expectations or local buying habits.
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Add local methods and BNPL
Need to increase checkout success by adding Pix in Brazil, GCash in the Philippines, BNPL, and other APMs where they matter.
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Offer flexible seller payouts
Want to fund seller payouts more efficiently using stablecoins or pay crypto-native sellers directly to their wallets, in addition to local-currency rails.
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Simplify settlement and compliance
Must simplify multi‑currency settlements, refunds, and compliance while scaling into new countries.
The challenge for marketplaces in emerging markets
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Your current statusThe challenge for marketplaces in emerging markets: Card-only checkout and missing local methods limit conversion
Without local acquiring, APMs, BNPL or installments where relevant, marketplaces lose buyers and face failed payments or manual workarounds.
Local gaps turn full baskets into failed checkouts
Marketplace SolutionSolutions: Local Payins and payment methods for better checkout
Process buyers’ payments locally with cards, wallets, bank transfers and relevant BNPL options. Local acquiring and Smart Routing support approvals while one platform connects payins and payouts.
Give buyers the checkout they expect locally
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Your current statusThe challenge for marketplaces in emerging markets: Seller payouts and multi-party flows strain operations
Multi-currency settlement and fragmented payout rails delay sellers and complicate reporting. Returns and disputes become harder after funds have moved between platform and sellers.
Fragmented money movement delays sellers and reconciliation
Marketplace SolutionSolutions: Platform splits and flexible Payouts for sellers
dLocal for Platforms tracks balances and splits payments between platform and sellers, including mixed baskets. Payouts sends seller funds through local rails; stablecoin flows may be added where available.
Move money to the right sellers through the right rails
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Your current statusThe challenge for marketplaces in emerging markets: Regulation and disputes vary across markets
FX controls, KYC/AML and tax requirements differ by country. Managing disputes and refunds across buyers, platform and multiple sellers adds risk and manual work.
Every market adds rules and more complex exceptions
Marketplace SolutionSolutions: Security and unified operations across markets
Network Tokenization and Defense Suite support secure repeat payments, fraud controls and dispute handling. One provider brings compliance data and reconciliation together across markets.
See risk and settlement in one operating view
Key solutions for Marketplaces
Explore solutions-
Payins
Local checkout for buyers
Learn more about PayinsOvercome restrictions in international payments with seamless cross‑border transactions and local payment acceptance for buyers in 60+ markets, including the option to accept stablecoins (USDC/USDT) at checkout via Stablecoin Full.
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Payouts
Pay sellers and partners
Learn more about PayoutsPay your sellers, partners, and staff in the currency and method of their choice, enhancing satisfaction and streamlining payout operations.
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dLocal for Platforms
Manage balances and splits
Learn more about dLocal for PlatformsPower multi‑party marketplace flows with user onboarding, balances, and split payments across buyers, sellers, and the platform in a single structure.
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Defense Suite
Control fraud and disputes
Learn more about Defense SuiteIdentify and mitigate fraudulent transactions in real time, manage disputes, and reduce chargebacks while protecting both buyers and sellers.
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Invoice Collection
Collect B2B invoices locally
Learn more about Invoice CollectionGenerate payment links and accept B2B and platform‑level payments in local currencies, addressing regulation and FX complexity.
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Stablecoin Full
Optional stablecoin flows
Through Stablecoin Full, you can fund seller payouts with USDC/USDT instead of pre-funding in hard currency, send stablecoin payouts directly to sellers who hold a wallet, and offer stablecoin checkout to crypto-native buyers—choosing to receive value in fiat or stablecoins. This reduces FX drag and accelerates cross-border seller settlement.
Benefits for your marketplace in emerging markets
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Higher conversion and basket sizes
Supporting local APMs like Pix, GCash, BNPL, and others increases checkout success, especially for first‑time buyers and mobile‑first segments. Local‑to‑local acquiring and Smart Routing help lift approval rates and lower decline costs, not just for single‑seller carts but also for mixed baskets.
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Simpler operations and fewer providers
One integration and one partner for payins, payouts, and platform flows across 60+ emerging markets means fewer PSPs, fewer bank relationships, and less fragmentation. Unified reconciliation and compliance reduce the manual overhead that usually comes with multi‑country, multi‑party flows.
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Stronger seller experience and retention
Instant or faster payouts, in local currencies and preferred methods, make your marketplace more attractive to sellers and partners, improving retention and supply quality. Clear, predictable settlement cycles and accessible reporting build trust and reduce support tickets from sellers chasing payments.
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Reduced regulatory and fraud risk
dLocal's local entities and licenses, combined with dLocal for Platforms for multi-party flows and Merchant-of-Record capabilities where that model applies, help you stay aligned with local tax, FX, and regulatory requirements without setting up separate entities per country. Defense Suite and Network Tokenization help reduce fraud exposure and chargeback risk, protecting margins and brand reputation.
Key payment flows
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Buyer payins and marketplace commissions
For a typical B2C marketplace:
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Buyer selects items (single or mixed basket)
They add items from one or multiple sellers, often across categories and sometimes countries.
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Buyer chooses a local payment method
At checkout, the marketplace offers local cards, BNPL, eWallets, bank transfers, cash, real‑time payments, or mobile money depending on the buyer’s country.
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dLocal processes payment locally
Using local‑to‑local acquiring and Smart Routing, dLocal processes the transaction in the buyer’s country to increase approvals and reduce decline costs.
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Split between platform and sellers
Via dLocal for Platforms, funds can be split between the marketplace (commissions, fees, taxes) and sellers according to your configuration, even for mixed baskets.
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Balances and settlement
Seller balances are updated, and the marketplace’s commission is recorded for later settlement or aggregation. Buyers receive confirmations, and transactions appear in the dLocal dashboard for reporting.
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Seller payouts
For seller or partner settlements:
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Eligible balance calculated per seller
Based on orders, returns, and policies, your platform determines how much each seller should receive per cycle.
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Payout initiated via Payouts
Payouts sends funds to sellers in their local currency and chosen method (bank account, card, wallet, mobile money, etc.), with dLocal managing FX and local rails.
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Treasury flexibility on the funding side
You can fund payouts with USD wires or with stablecoins (USDC/USDT) via Stablecoin Full, depending on your treasury needs.
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Status and reporting
Payout statuses (processing, completed, failed) and FX details are visible in the dashboard and via API so both marketplace and sellers can track settlements more clearly.
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B2B and invoice‑driven flows
For wholesale, B2B marketplaces, or platform‑level contracts:
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Invoice issued in local or agreed currency
The marketplace issues invoices to large buyers or partners under its commercial terms.
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Invoice Collection for local payment
With Invoice Collection, you generate payment links that support local payment methods and currencies, while dLocal handles FX, local regulations, and fund transfer back to your treasury accounts.
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Reconciliation and reporting
Payments are matched to invoices in reporting, helping AR teams reduce manual work and maintain accurate balances for B2B customers.
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Key payment methods for marketplaces
Marketplaces must match how buyers and sellers already transact in each country:
View all payment methods-
Cards
Local and international cards remain central for many categories, especially when combined with local acquiring and tokenization for repeat purchases.
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BNPL and installments
Support bigger baskets and higher‑ticket items by letting buyers split payments over time via BNPL schemes and local installment options.
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eWallets
Critical for mobile‑first users and younger segments, especially in Asia and Latin America.
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Bank transfers and real-time payments
Include domestic bank schemes and instant rails to support faster, lower‑cost payments and higher authorization rates.
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Cash and mobile money
Bring cash‑reliant and underbanked users into digital marketplaces via vouchers, cash points, and mobile money ecosystems.
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Stablecoins (USDC/USDT)
Available as an additional layer via Stablecoin Full for both checkout and seller payouts, useful for crypto-native audiences and for reducing FX/correspondent-banking friction in cross-border seller settlement.
Got questions?
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How does dLocal help increase checkout success for marketplaces?
dLocal combines local acquiring, Smart Routing, and a broad set of local payment methods—from cards and wallets to Pix, BNPL, and instant transfers—to align checkout with local buyer behavior. This improves authorization rates and reduces declines caused by cross‑border processing or unsupported methods.
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Can we use dLocal only for emerging markets while keeping other PSPs elsewhere?
Yes. Many marketplaces use dLocal specifically for emerging markets and keep other PSPs for mature regions. You can route traffic based on geography, vertical, or risk strategy and consolidate reporting and settlements in your existing BI and finance tools.
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How are multi‑seller and mixed baskets handled?
With dLocal for Platforms, you can define how each transaction is split between multiple sellers and the marketplace, including for mixed baskets that span multiple sellers and possibly multiple countries. dLocal manages the underlying payins and payouts, keeping a consistent view of balances and flows.
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Can we pay sellers in stablecoins or fund payouts with stablecoins?
Yes. Through Stablecoin Full, you can fund your dLocal balance with USDC/USDT instead of USD wires, and use Stablecoin Payouts to send funds directly to sellers' wallets where they prefer to receive value on-chain. For sellers who want local currency, dLocal converts and disburses through local rails. Availability of stablecoins, networks, and modules can vary by jurisdiction and is confirmed during onboarding.
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How do refunds work when funds have already been distributed to sellers?
Refunds are processed through dLocal across supported methods; your platform’s logic, combined with dLocal for Platforms and Payouts, then adjusts seller balances and platform commissions accordingly. Defense Suite helps manage resulting disputes or chargebacks, ensuring data and workflows are aligned.
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Do we need local entities in each country to use dLocal?
No. dLocal operates via local entities and licenses, and can act as Merchant‑of‑Record where applicable, so marketplaces can operate in 60+ emerging markets without creating local entities in each one. This accelerates time‑to‑market and reduces regulatory overhead.
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How quickly can we go live with dLocal for Marketplaces?
Timelines depend on scope, but the single API, documentation, and dashboard‑based configuration are designed for fast onboarding. You can start with priority markets and payment methods, then layer in payouts, platform flows, and more payment types as your marketplace scales.
Ready to connect buyers and sellers with local payments?
If you’re ready to connect global buyers and sellers with payments built for growth, talk to dLocal about how our marketplace solutions can support your expansion in emerging markets.
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