Projects
Nov 10, 2023

dLocal Payins - Local Payment Method Integrations

Payins integra'ions work at dLocal, connecting global merchants to multiple local payment methods across emerging markets through unified APIs.

FintechPaymentsPayinsAlternative Payment MethodsPayment IntegrationsCross-Border PaymentsEmerging MarketsAPI DesignBackend IntegrationsBank TransfersCard PaymentsTokenization3D Secure

As part of the Payins integrations team at dLocal (dlocal.com), I contributed to the development of local payment method connectors that allow global merchants to accept payments using the ways people actually pay in their countries. My work focused on alternative payment methods (APMs) and card processors in emerging markets, making each local integration fit into dLocal's unified payins flow.

Across different countries, I worked on several integrations, including (among others):

  • In Chile, the integration with Wepa, an alternative cash payment method where users receive a payment code and then pay at physical payment centers. My contribution focused on mapping dLocal's payins lifecycle to Wepa's flow: generating and handling the payment codes, tracking status updates, and ensuring that once the user pays in person, the transaction is correctly reflected back in dLocal's systems.
  • In Malaysia, the integration of 7-Eleven as a payment channel, where users complete their purchase by paying at convenience stores using a barcode-based flow. The connector had to generate barcodes, handle asynchronous confirmation when the user pays at the store, and reconcile those payments with the original orders so merchants could reliably see which invoices had been completed.
  • In Nigeria, the integration with Mono, a fintech enabling direct bank transfers and automatic debit flows. Here the focus was on bank transfer-based payins, handling asynchronous notifications from the banking side and aligning them with dLocal's internal states so that merchants could safely treat those transfers as confirmed funds.

-'In Peru, the integration with Izipay, a card payments processor supporting credit and debit cards. In this connector, we implemented tokenization and 3D Secure (3DS), designing flows to:

  • Create and reuse payment tokens securely.
  • Handle 3DS challenges versus frictionless flows.
  • Map Izipay's response codes and risk signals into the standardized payins API surface used by dLocal's merchants.

These are just a few examples of the broader set of payins integrations I worked on. Across providers and countries, my contribution as an engineer was to help bridge the gap between each local payment method's specifics and dLocal's global platform: understanding each APM's protocol, implementing connector logic, and making sure that states, errors and callbacks fit into a consistent model. This work helps merchants treat a diverse set of local payment options as a single, reliable payins interface, while dLocal handles the complexity of each market behind the scenes.

Crafted by Juan Felipe Arellano • © 2025