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ARGENTINA | BRAZIL | BOLIVIA | CHILE | COLOMBIA | MEXICO | PARAGUAY | PERU | URUGUAY | TURKEY | INDIA
CHINA | CZECH REPUBLIC | ESTONIA | HUNGARY | LATVIA | LITHUANIA | POLAND | SLOVAKIA | SLOVENIA
Danielle Gotkis | SVP of Marketing
NEXT GENERATION MONEY:
CHALLENGES & OPPORTUNITIES
FOR GLOBAL MERCHANTS IN
1
PLATFORM / API
20
EMERGING MARKETS
2B
EMERGING CONSUMERS
200
PAYMENT METHODS
450
MERCHANTS
2
ABOUT DLOCAL
360 payment technology for emerging markets
– pay-ins, payouts
and cash collection
Diverse team of
100+ people
Offices
in Uruguay (HQ), US, Brazil, UK, and Israel
Market coverage:
EU e-money license
LATAM: Argentina, Bolivia, Brazil, Chile, Colombia, Mexico, Peru,
Paraguay, Uruguay
APAC: China, India
EMEA: Turkey, Czech Republic, Estonia, Hungary, Latvia,
Lithuania, Poland, Slovakia, Slovenia
5
1
API |
200+
payment methods |
20
emerging markets |
2 B
consumers
Local transactions
Process payments domestically,
ensuring the highest acceptance rate
Cross-border settlement
Expatriate funds to EU or US at
no cost
Simple market entry
Eliminate local market
complexities with dLocal as your
emerging markets expert and
local merchant of record
Enterprise-grade solution
Reliably accept and send payments with our
trusted, PCI DSS compliant platform and
clever fraud detection tools
Source: Tecnocom, emarketer, AMPICI, OMT, CNC, Comscore
CONSUMER PAYMENT PREFERENCES IN LATAM
6
LOCAL
CREDIT &
DEBIT
CARDS
52%
CASH
28%
INTERNATIONAL
CREDIT CARDS
15%
BANK TRANSFERS
5%
E-commerce Payment Mix (2016)
International
credit card
48%
Domestic
credit card
9%
Debit card
2%
Cash
payments
21%
Bank
transfers
17%
Other
3%
International
credit card
48%
Domestic
credit card
2%
Debit card
23%
Cash
payment
methods
19%
Bank
transfer
3%
Other
5%
Brazil
Mexico
Colombia
International
credit card
20%
Domestic
credit card
51%
Debit card
2%
Cash
payments
via Boleto
21%
Bank
transfers
4%
Other
2%
E-commerce Payment Mix (2016)
Argentina
Chile
Peru
International
credit card
21%
Domestic
credit card
56%
Debit card
1%
Cash
payments
18%
Bank
transfers
1%
Other
3%
International
credit card
30%
Domestic
credit card
25%
Debit
card, via
WebPay
28%
Cash
payments
7%
Bank
transfers
8%
Other
2%
International
credit card
47%
Domestic
credit card
9%
Debit card
6%
Cash
payments
21%
Bank
transfers
6%
Cash on
delivery
9%
Other
2%
PAYMENT WITHOUT
CREDIT CARDS
Brazil: Boleto is king
•
#1 cash payment method
•
50M Boletos/month
•
30% of all Boleto online
transactions come from mobile
Mexico: a craze for cash
•
Unbanked population over 60%
•
Banked population still uses cash
•
Withdrawals from ATMs as soon as
salaries are paid, leaving minimum
amount in bank
2/19/2017 AstroPay https://www.astropaycard.com/Boleto/boleto_bb.php 1/2 Corte na linha pontilhada Recibo do Sacado 001900190.00009 02860.239017 05663.792173 7 70790000005489
Cedente Agência / Código do Cedente Espécie Quantidade Nosso número Astropay Brasil LtdaRua Heitor Stockler de França, 396 sala 1809 Centro Civico, Curitiba
PR
30414 / 001246003 R$ 28602390105663792 Número do documento Contrato CPF/CEI/CNPJ Vencimento Valor documento 105663792 16.883.876/000163 19/02/2017 54,89 () Desconto / Abatimento () Outras deduções (+) Mora / Multa (+) Outros acréscimos (=) Valor cobrado
Sacado Unit Streamline CPF/CNPJ : 01676626948 Autenticação mecânica Corte na linha pontilhada 0019
00190.00009 02860.239017 05663.792173 7 70790000005489
Local de pagamento Vencimento QUALQUER BANCO ATÉ O VENCIMENTO 19/02/2017 Cedente Agência/Código cedenteData do documento No. documento Espécie doc. Aceite Data process. Nosso número 19/02/2017 105663792 DS N 19/02/2017 28602390105663792 Uso do banco Carteira Espécie Quantidade x Valor (=) Valor documento
17 027 R$ 54,89 Instruções (Texto de responsabilidade do cedente) * SR. CAIXA, NAO ACEITAR PAGAMENTO EM CHEQUE. ESTE BOLETO SO PODERA SER PAGO EM DINHEIRO. RECEBER ATE 4 DIAS APOS O VENCIMENTO. () Desconto / Abatimento () Outras deduções (+) Mora / Multa (+) Outros Acréscimos (=) Valor cobrado Sacado Unit Streamline CPF/CNPJ : 01676626948 Rua Heitor Stockler de França, 396 sala 1809 Centro Civico CEP : 80530000 Curitiba PR Sacador/Avalista Cód. baixa Autenticação mecânica Ficha de Compensação Corte na linha pontilhada