With dLocal, payroll and HR providers can compliantly process workforce payments in 60+ complex countries, paying teams in local currencies via bank transfers, wallets, mobile money, and real‑time schemes, while we handle FX, regulation, and reconciliation behind the scenes.
Use it when you:
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Pay teams across emerging markets
Need to run payroll and payouts in 60+ emerging markets without opening local entities or bank accounts in each country.
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Give workers local payout options
Want to offer multiple payout options (bank, wallet, mobile money, real‑time schemes, sometimes cash‑out) so workers can actually access their earnings.
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Fund payroll in multiple currencies
Must support multi‑currency employer funding and FX‑aware settlements.
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Reconcile by client and entity
Operate a multi‑tenant platform and need clear reconciliation and reporting per client, entity, or sub‑account.
The challenge of payroll payments in emerging markets
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Your current statusThe challenge of payroll payments in emerging markets: Regulation and FX controls change fast
Each country has its own combination of licenses, FX rules, documentation, and reporting obligations for inbound and outbound flows. Employers often fund payroll in USD or EUR, while teams need local currencies; FX risk, spread management, and regulatory approvals are non‑trivial.
Country rules and funding currencies complicate every payroll cycle
Payroll & HR SolutionSolutions: Employer funding and FX through local rails
Collect receivables in over 60 emerging markets via local payment methods and currencies, or receive funding in hard currencies; dLocal manages local acceptance and FX conversion. dLocal collects employer funds and converts between funding and payout currencies, using local FX expertise to comply with country‑specific rules and documentation.
Collect employer funds and manage conversion for local payouts
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Your current statusThe challenge of payroll payments in emerging markets: Local APMs are essential to workers
In many markets, wallets, mobile money, real‑time bank schemes, and other APMs are how people earn, spend, and save—not international cards.
Card-only payouts leave workers behind
Payroll & HR SolutionSolutions: Payroll and contractor payouts via local methods
Simplify global settlements with cross‑border payouts at scale, sending salaries, contractor fees, and bonuses in local currencies via bank transfers, eWallets, mobile money, and other APMs.
Bank accounts, wallets and mobile money help teams access earnings
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Your current statusThe challenge of payroll payments in emerging markets: Reconciliation across sub-accounts is complex
Payroll providers juggle flows by client, country, and worker type; spreadsheet‑based reconciliation across multiple local partners doesn’t scale.
Fragmented local partners slow finance teams
Payroll & HR SolutionSolutions: Multi-sub-account reporting and reconciliation
dLocal’s reporting tools are built for multiple sub‑accounts, so you can reconcile and report by client, region, or entity—rather than stitching together data from fragmented local providers.
Report by client, region or entity in one place
Key solutions for Payroll & HR
Explore solutions-
Invoice Collection
Collect employer funds
Learn more about Invoice CollectionCollect receivables and employer funding in over 60 emerging markets from a single integration, using local methods and currencies while dLocal manages FX and regulatory alignment.
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Payins
Local collection in familiar currencies
Learn more about PayinsAccept local currency payments and deposits, bypassing challenges related to currency fluctuations and cross‑border card limitations.
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Payouts
Pay workers through local rails
Learn more about PayoutsSimplify global settlements with cross‑border payouts at scale, paying teams in local currencies and methods with high delivery reliability.
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Defense Suite
Protect payroll flows from fraud
Learn more about Defense SuiteUse machine‑learning‑based fraud management to adapt quickly to emerging patterns, reducing fraud losses in financial and payroll flows.
Benefits for Payroll & HR payments in emerging markets
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Reliable, scalable global payroll execution
With dLocal, Deel expanded to 30+ new countries—including Vietnam, Kenya, Morocco, Saudi Arabia, and South Africa—while connecting to 700+ local payment methods, reaching teams wherever they are.
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Simpler cross‑border operations and treasury
Invoice Collection and Payins consolidate employer receivables into one process; Payouts centralizes disbursements, helping you avoid juggling multiple local partners.
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Better worker and employer experience
Workers are paid on time, in local currency, via methods they trust, whether that’s bank accounts, wallets, or mobile money.
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Lower risk and compliance overhead
Defense Suite’s ML‑driven protection helps reduce fraud and chargebacks on both inbound and outbound flows.
Key payment flows
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Employer funding and receivables
Employers fund each payroll cycle through invoices or local payment methods.
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Funding requirement calculated per cycle
Your platform aggregates payroll, taxes, fees, and buffers per country and client.
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Funding collected via Invoice Collection / Payins
Employers receive invoices or links via Invoice Collection and/or pay via Payins; they can fund in local currency or settlement currency, using local methods (bank transfer, APMs).
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Balances updated and visible
dLocal credits your payout balances and exposes them via dashboard and APIs for each corridor or client.
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Payroll and contractor payouts
Payouts send salaries and contractor fees through local rails.
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Payout instructions created for each worker
For employees, contractors, and gig workers, your system defines amount, currency, and preferred rail (bank, wallet, mobile money, etc.).
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Payout executed via local rails
With Payouts, dLocal handles FX and disburses via local rails, using the rails and methods best suited to each corridor.
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Status tracking and exception handling
You receive real‑time status updates to power in‑app notifications, support flows, and internal reconciliation.
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Off‑cycle payments, reimbursements, and bonuses
Use the same payout setup for reimbursements, bonuses and corrections.
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Off‑cycle events identified
Your HR or payroll logic defines ad‑hoc payments (reimbursements, bonuses, corrections).
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Payouts triggered using existing setup
These use the same Payouts and rails as standard payroll runs, ensuring consistent handling and reporting.
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Unified reporting
Off‑cycle flows appear alongside scheduled payroll in dLocal’s reports for a complete view of costs and cash flows.
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Industry-relevant payment methods
To reach workers at scale, payroll and HR platforms need broad, reliable access to APMs and traditional rails:
View all payment methods-
Bank transfers
Core for salary and contractor payouts and for many B2B flows.
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eWallets
Widely used among digital‑first and underbanked populations across Latin America and Asia.
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Mobile money
In markets like Kenya, mobile money is the main payment rail; 59% of Kenya’s GDP flowed through M‑PESA in 2023.
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Real-time payments
Instant schemes (including Pix‑like rails) support faster access to earnings and better worker experience.
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Cash on- and off-ramps
Still key for cash‑heavy markets and for workers without bank access.
Got questions?
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Do we need local entities or bank accounts in each country to use dLocal?
No. dLocal operates via local entities and licenses and can act as Merchant‑of‑Record where applicable, so you don’t need to open entities or bank accounts in each market to send or receive payments.
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Can we start with payouts only and add collections later?
Yes. Many payroll and HR customers start with Payouts to solve workforce payments, then add Invoice Collection and Payins to streamline employer funding and receivables once flows are stable.
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How reliable are dLocal’s payout flows for payroll?
Deel’s experience is a benchmark: 99.97% delivery rate, across 30+ new markets and 700+ local methods, with volumes multiplying since rollout in 2022.
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How does dLocal keep up with new APMs and rails?
Through offerings like SmartAPMs‑style coverage, dLocal tracks and integrates the APMs that matter most in emerging markets—27+ APMs across 16+ countries in that suite alone, plus 1,000+ total methods across 60+ markets—so you don’t have to manage individual integrations or negotiations.
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How quickly can we go live?
Timelines vary, but dLocal’s single API, dashboard access, and sandbox‑to‑production process are designed to get you live in weeks, not years, with phased rollouts by market and corridor.
Ready to pay global teams locally?
If you’re ready to make workforce payments in emerging markets as reliable as the rest of your platform, talk to dLocal about how our solutions can support your Payroll & HR roadmap.
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