Full-Time
Updated on 9/3/2026
Cross-border payments platform for merchants
No salary listed
Madrid, Spain
Hybrid
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dLocal is a financial technology company that provides cross-border payment solutions for global merchants, especially in emerging markets. It enables pay-ins (accepting online payments) and pay-outs (issuing refunds) through multiple routes using local payment methods and regional compliance. By connecting international businesses with consumers in growing markets, dLocal helps merchants expand globally while meeting local regulations and handling transaction fees. The company differentiates itself by focusing on emerging economies, offering a broad set of local payment options, and ensuring regulatory compliance to enable seamless, borderless transactions. Its goal is to bridge the payments innovation gap between global brands and emerging markets, supporting international growth for its clients.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Montevideo Department, Uruguay
Founded
2016
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Remote Work Options
Flexible Work Hours
Learning & development: get access to a Premium Coursera subscription
Language classes: we provide free English, Spanish, or Portuguese classes
Social budget
dLocal Houses
dLocal and Alternative Airlines partner on flexible payments for travel bookings in emerging markets. Posted On 2 September 2026 dLocal (NASDAQ: DLO), the leading cross-border payment platform connecting global merchants to emerging markets, has partnered with Alternative Airlines, the global flight search and booking site, working with the world's leading airlines, to give travelers in emerging markets the option to book flights now and pay over time. Airfares and travel packages are the kind of high-ticket purchases where installments matter most. In countries like Brazil, that expectation is already built into consumer behavior: parcelado, the country's decades-old habit of splitting purchases into monthly payments, accounts for more than half of all credit card spending. But across emerging markets in general, only around 10-15% of consumers own a credit card at all, so the travelers who most need a way to spread out a fare are often the ones without a card that can do it. For an Online Travel Agency operating across dozens of countries, closing that gap one lender and one contract at a time is neither fast nor easy to repeat. For Alternative Airlines, this partnership is more than a single integration. Their model is built around making travel more accessible by letting customers fly now and pay over time, and BNPL Fuse, dLocal's solution combining leading local BNPL providers via a single integration, brings exactly that flexibility. Travelers can spread the cost of a flight or travel package over time instead of paying it all upfront, while Alternative Airlines collects full payment right away and carries no payment risk. Through Fuse, the company now offers Addi and Pagaleve, leading local Buy Now, Pay Later providers in Colombia and Brazil respectively, via one API integration and one contract. The same setup gives Alternative Airlines a path to BNPL Fuse's wider network, which currently spans eight countries and reaches over 500 million potential buyers, with more markets and local providers to come. Looking ahead, the two businesses plan to build on this foundation and move into markets where the habit to pay in parts is already familiar to consumers: Chile, Pakistan, and countries across Asia and Africa. In each of these markets, outbound travel demand is growing faster than credit card penetration, which is precisely the mismatch BNPL Fuse is designed to close. "Making travel accessible has always meant more than just search and price, it means giving people a real way to afford the trip," said Sam Argyle, Managing Director at Alternative Airlines. "BNPL Fuse lets us bring that same flexibility to markets where a credit card was never part of the equation, without having to build a relationship with every local lender ourselves." "Travel is one of the clearest cases for Buy Now, Pay Later in emerging markets, because the price tag is bigger and the decision takes more thought," said Clarice Leaman, Alternative Payments Operations Lead at dLocal. "Alternative Airlines already thinks about consumer affordability the way we do. Our job is to make sure that mindset works the same way in Bogotá as it does in São Paulo, and eventually everywhere else they fly."
dLocal launches dMoRe to remove operational barriers between global businesses and emerging markets. Posted On 26 August 2026 dLocal (NASDAQ: DLO), the leading cross-border payment platform connecting global enterprise merchants to emerging markets, today announced the launch of dMoRe, its Merchant of Record (MoR) solution designed to redefine how global enterprises scale across emerging economies. With dMore, dLocal expands its role beyond providing payment processing to become an end-to-end growth partner for global businesses tapping into tomorrow's fastest-growing consumer bases. Starting with Gaming and SaaS, where operational barriers in highly regulated markets directly impact customer acquisition and renewals, dMoRe combines dLocal's direct payment rails with a legal framework to operate as the merchant's local seller of record, leveraging established banking partnerships, localized payment methods, and local compliance teams within a single, integrated platform. Global businesses gain a fully compliant, market-ready foundation without relying on fragmented third-party integrations, shortening the market entry timelines from up to a year down to up to 8 weeks. Demand was never the problem Emerging markets added 109 million people to the global consumer class in 2024 alone. In Latin America, 74% of online transactions already cross borders - proving that consumer demand for global brands is overwhelmingly present, even when operational presence is not. What limits expansion is the operational complexity sitting between demand and conversion: managing localized tax compliance, maintaining legal entities, navigating shifting regulations, and mitigating cross-border fraud. According to Deloitte, global enterprises spend up to 70% of their expansion efforts managing regulatory hurdles. Furthermore, entry alone does not guarantee conversion; driving performance requires deep local expertise to optimize checkout experiences and support the payment methods consumers already trust. Closing the infrastructure gap The shift toward direct-to-consumer models, accelerated by recent regulatory changes like the EU's Digital Markets Act, has created a clear opportunity for global merchants, especially in the gaming industry. However, expanding direct channels into high-growth regions like Brazil, Nigeria, or Indonesia presents distinct operational hurdles compared to traditional mature markets. While traditional Merchant of Record providers resolve the legal and administrative setup, they typically do so by layering compliance on top of a third-party payment processor rather than owning the underlying payment infrastructure themselves. dMoRe addresses this challenge natively: it is built directly upon dLocal's proven, fully operational in-market payment infrastructure, removing the need for local entity setup and accelerating market entry. "The opportunity in emerging markets has never been difficult to see. The difficult part has been operating locally," said Pedro Arnt, Chief Executive Officer at dLocal. "We've spent more than a decade building the infrastructure that helps global businesses collect payments across these markets. dMoRe builds on that foundation by adding the legal and tax framework businesses need to sell locally, removing what has traditionally been one of the biggest barriers to expansion." A sale starts before Checkout Beyond core transactional infrastructure, dMoRe leverages dLocal's direct connections with digital wallets, local banks, and financial networks to help merchants drive early consumer adoption. Merchants can tap into established local ecosystem incentives, such as in-app placements, push notifications, and co-funded campaigns, to engage consumers directly within the payment channels they use daily. When customers are ready to buy, transactions route seamlessly through dLocal's network of over 1,000 local payment methods, such as Pix in Brazil and GCash in the Philippines, with merchants seeing conversion uplifts of up to 25% and local processing volume growth exceeding 100%. That advantage continues long after launch. dMoRe is backed by the same in-market teams, local partnerships, and domain expertise that have supported dLocal's merchants for more than a decade, providing ongoing optimization and operational support as businesses scale across emerging markets. "Most merchants think of Merchant of Record as a back-office fix. It's actually a growth lever." said André Canu, VP of Growth at dLocal. "The legal and tax layer removes the barriers to entering a market, but dMoRe goes beyond that. We help merchants reach new users through their own direct channels and launch on infrastructure designed to convert local demand. They don't just enter new markets faster. They enter ready to turn the local demand into revenue, without local operations becoming the price of growth." Emerging markets do not lack consumer demand. What global businesses need is an efficient, fully operational entry path. dMoRe is the way in, built on active infrastructure across markets that are moving forward today. About dLocal dLocal (NASDAQ: DLO) builds financial technology for markets of the future, connecting global enterprises with billions of consumers across high-growth markets in Africa, Asia, the Middle East, and Latin America. Through the "One dLocal" concept (one direct API, one platform, and one contract), global companies can accept payments, send payouts, and settle funds globally without the need to manage multiple local entities and integrations. For more information, visit www.dlocal.com.
dLocal launches dMoRe to remove operational barriers between global businesses and emerging markets. The new Merchant of Record solution combines dLocal's established payment infrastructure with comprehensive legal, tax, and compliance capabilities, enabling merchants to launch in high-growth consumer markets within weeks instead of months. 3 min. read Montevideo, Uruguay, August 26, 2026 - dLocal (NASDAQ: DLO), the leading payments platform for emerging markets, today announced the launch of dMoRe, its Merchant of Record (MoR) solution designed to redefine how global enterprises scale across emerging economies. With dMore, dLocal expands its role beyond providing payment processing to become an end-to-end growth partner for global businesses tapping into tomorrow's fastest-growing consumer bases. Starting with Gaming and SaaS, where operational barriers in highly regulated markets directly impact customer acquisition and renewals, dMoRe combines dLocal's direct payment rails with a legal framework to operate as the merchant's local seller of record, leveraging established banking partnerships, localized payment methods, and local compliance teams within a single, integrated platform. Global businesses gain a fully compliant, market-ready foundation without relying on fragmented third-party integrations, shortening the market entry timelines from up to a year down to up to 8 weeks. Demand was never the problem. Emerging markets added 109 million people to the global consumer class in 2024 alone. In Latin America, 74% of online transactions already cross borders - proving that consumer demand for global brands is overwhelmingly present, even when operational presence is not. What limits expansion is the operational complexity sitting between demand and conversion: managing localized tax compliance, maintaining legal entities, navigating shifting regulations, and mitigating cross-border fraud. According to Deloitte, global enterprises spend up to 70% of their expansion efforts managing regulatory hurdles. Furthermore, entry alone does not guarantee conversion; driving performance requires deep local expertise to optimize checkout experiences and support the payment methods consumers already trust. Closing the infrastructure gap. The shift toward direct-to-consumer models, accelerated by recent regulatory changes like the EU's Digital Markets Act, has created a clear opportunity for global merchants, especially in the gaming industry. However, expanding direct channels into high-growth regions like Brazil, Nigeria, or Indonesia presents distinct operational hurdles compared to traditional mature markets. While traditional Merchant of Record providers resolve the legal and administrative setup, they typically do so by layering compliance on top of a third-party payment processor rather than owning the underlying payment infrastructure themselves. dMoRe addresses this challenge natively: it is built directly upon dLocal's proven, fully operational in-market payment infrastructure, removing the need for local entity setup and accelerating market entry. "The opportunity in emerging markets has never been difficult to see. The difficult part has been operating locally," said Pedro Arnt, Chief Executive Officer at dLocal. "We've spent more than a decade building the infrastructure that helps global businesses collect payments across these markets. dMoRe builds on that foundation by adding the legal and tax framework businesses need to sell locally, removing what has traditionally been one of the biggest barriers to expansion." A sale starts before Checkout. Beyond core transactional infrastructure, dMoRe leverages dLocal's direct connections with digital wallets, local banks, and financial networks to help merchants drive early consumer adoption. Merchants can tap into established local ecosystem incentives, such as in-app placements, push notifications, and co-funded campaigns, to engage consumers directly within the payment channels they use daily. When customers are ready to buy, transactions route seamlessly through dLocal's network of over 1,000 local payment methods, such as Pix in Brazil and GCash in the Philippines, with merchants seeing conversion uplifts of up to 25% and local processing volume growth exceeding 100%. That advantage continues long after launch. dMoRe is backed by the same in-market teams, local partnerships, and domain expertise that have supported dLocal's merchants for more than a decade, providing ongoing optimization and operational support as businesses scale across emerging markets. "Most merchants think of Merchant of Record as a back-office fix. It's actually a growth lever." said André Canu, VP of Growth at dLocal. "The legal and tax layer removes the barriers to entering a market, but dMoRe goes beyond that. We help merchants reach new users through their own direct channels and launch on infrastructure designed to convert local demand. They don't just enter new markets faster. They enter ready to turn the local demand into revenue, without local operations becoming the price of growth." Emerging markets do not lack consumer demand. What global businesses need is an efficient, fully operational entry path. dMoRe is the way in, built on active infrastructure across markets that are moving forward today. About dLocal. dLocal (NASDAQ: DLO) builds financial technology for markets of the future, connecting global enterprises with billions of consumers across high-growth markets in Africa, Asia, the Middle East, and Latin America. Through the "One dLocal" concept (one direct API, one platform, and one contract), global companies can accept payments, send payouts, and settle funds globally without the need to manage multiple local entities and integrations. For more information, visit www.dlocal.com.
Dave and dLocal are both profitable fintech companies with strong growth, but they serve different markets. Dave is a US consumer neobank focused on cash-flow tools, whilst dLocal provides payments infrastructure for emerging markets. Dave's Q2 revenue rose 30% year-over-year to $170.8 million, with adjusted EBITDA up 48% to $75.5 million. New members increased 32% to 951,000. However, the company relies heavily on US consumer credit and faces regulatory considerations. dLocal's Q2 showed faster growth, with payment volume surging 92% to $17.7 billion and revenues up 56% to approximately $400 million. Net revenue retention reached 153%. The company raised its 2026 guidance and operates across multiple emerging markets. dLocal trades at a forward price-to-sales of 2.41 times, below its one-year median, whilst Dave trades at 5.45 times, above its median. Analysts view dLocal as offering a more attractive risk-reward profile currently.
DLocal reported strong second-quarter 2026 results during its earnings call on 13 August. The payment processor's total payment volume reached $17.7 billion, marking 92% year-over-year growth — its highest growth rate since Q1 2022. The company processed more volume in Q2 than throughout all of 2023. Net revenue retention stood at 153%, the fifth consecutive quarter above 140%, indicating deepening merchant relationships. Gross profit reached $127 million, up 29% year-over-year. Chief executive Pedro Arnt highlighted these figures as evidence of the company's continued execution and market traction. The call included presentations from senior executives including chief financial officer Guillermo Lopez Perez and other leadership team members. The company cautioned that forward-looking statements were based on current assumptions and projections.