Payments technology pioneer ACI Worldwide and the new markets cross-border payments platform dLocal have come together for a strategic collaboration to enhance cross-border solutions throughout Latin America. This partnership allows dLocal’s wide range of non-traditional payment options to be directly available at the ACI Payments Orchestration Platform, so global businesses and technology finance companies can, using a single connection, provide consumers the opportunity to make payments in their native currencies by accepting the most popular local payment systems.
Initial deployment enables instant payments for merchants in Brazil and Mexico, followed by the second-wave expansion phase that will cover Argentina Chile Colombia and Peru.
Unlocking Local Payment Methods in Fast-Growing Latin American Markets
Despite robust digital commerce expansion, Latin America’s financial ecosystem remains heavily fragmented. While internet penetration exceeds 75% and smartphone usage tops 80% among the region’s 638 million consumers, traditional credit card adoption varies widely. Alternative payment methods-including instant account-to-account (A2A) transfers, digital e-wallets, and cash voucher networks-now account for approximately half of all online transactions across Latin America.
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Relying exclusively on international card networks limits market conversion for multinational businesses. The joint solution overcomes this barrier by granting enterprise merchants instant connectivity to high-volume regional payment methods:
Brazil: Integration of Pix-which maintains over 170 million active users-alongside leading digital wallets PicPay, Mercado Pago, and NuPay.
Mexico: Support for instant bank transfers via SPEI, digital payments through Mercado Pago, and cash-based digital vouchers via OXXO.
Key Operational Focus Areas for Global Enterprise Merchants
By combining dLocal’s localized financial connections with ACI’s enterprise payments orchestration, risk management, and fraud detection engines, the partnership removes key technical friction points associated with cross-border market entry:
Frictionless Market Onboarding: Eliminates the need to establish separate legal entities or individual technical integrations in every country.
Optimized Authorization and Conversion Rates: Routes transactions through preferred local rails, mitigating bank declination rates common in cross-border processing.
Integrated Fraud & Risk Controls: Protects transaction flows using ACI’s machine-learning fraud prevention capabilities without introducing checkout friction.
Centralized Routing and Visibility: Preserves unified reporting, risk analytics, and settlement control within a single orchestration layer.
“As merchants expand into high-growth regions like Latin America, the challenge is no longer simply accepting payments, it’s managing growing complexity while maintaining performance, flexibility and control,” said Vlademir Santos, head of sales Brazil, ACI Worldwide. “Through our partnership with dLocal, merchants can access the payment methods consumers trust in each market while continuing to orchestrate payments on their own terms. That means better customer experiences, stronger conversion rates and a payments strategy that can scale with their business.”
“Payments are the front door to Latin America’s digital economy, and getting them right requires genuine local expertise, not just connectivity,” said Horacio Raviolo, head of commercial partnerships at dLocal. “By combining our deep local payments coverage and regional knowledge with ACI’s world-class orchestration infrastructure, we give merchants the best of both: the reach to win locally and the control to scale globally.”
Streamlining Global Scale with Localized Execution
The integration addresses a critical challenge in cross-border commerce: delivering localized checkout experiences while maintaining centralized back-office control. By enabling merchants to customize payment options by market without losing visibility over routing and settlement logic, the partnership offers a scalable blueprint for entering high-growth emerging markets.
Global merchants, payment service providers, and enterprise software platforms can explore integration specifications and regional onboarding documentation by visiting ACI Worldwide or dLocal online.
