dLocal, the cross-border payment platform connecting global merchants to emerging markets, has expanded its South African offering by integrating Capitec Pay.

The move enables international merchants to offer real-time account-to-account (A2A) payments, powered by open banking, to South African consumers, enhancing convenience, security, and choice in the country’s fast-growing digital commerce sector.

What Capitec Pay Adds

Developed by Capitec Bank, Capitec Pay allows customers to:

• Make instant, secure payments directly from their bank accounts.
• Authenticate transactions via the Capitec banking app without sharing sensitive financial details online.
• Authorize Variable Recurring Payments (VRP) for subscriptions and digital services, ensuring safe, ongoing transactions.

This seamless in-app process removes the need for cards or third-party platforms, giving consumers more control over their digital payments.

Why It Matters for Merchants and Consumers

The integration of Capitec Pay into dLocal’s payment portfolio brings major benefits:

• Wider consumer reach: Access South African shoppers who prefer direct bank payments.
• Higher conversion rates: Instant settlements and a trusted authorization flow reduce checkout friction.
• Support for recurring payments: Ideal for subscription services, streaming, and other digital models.

As open banking reshapes e-commerce payments in South Africa, Capitec Pay provides a secure, app-based experience that builds trust while driving growth for merchants.

With Capitec Pay now live through One dLocal, we’re giving global merchants a high-conversion, real-time A2A option that consumers trust, and expanding choice alongside cards, Instant EFTs, and BNPL.”
– Carlos Menendez, COO, dLocal

Built for Choice and Conversion

With the addition of Capitec Pay, dLocal continues to broaden its South African payment offering, which now includes:

• Card payments
• Instant EFTs
• Buy Now, Pay Later (BNPL)
• Open banking A2A transfers

This positions dLocal among the first global Payment Service Providers (PSPs) to enable Capitec Pay for cross-border e-commerce, giving consumers access to the world’s most popular international brands.

Availability

Capitec Pay is available to merchants via dLocal’s single API integration, with no local entity required.

Merchants interested in enabling Capitec Pay in South Africa can contact their dLocal representative for setup.