dLocal’s Ghana move signals a new era for digital payments

Source: Pexels.

Its Ghanaian subsidiary has been granted an Enhanced Payment Service Provider (EPSP) licence by the Bank of Ghana, paving the way for the cross-border payments platform to operate directly within Ghana’s regulatory framework.

The move strengthens dLocal’s ability to deliver secure, reliable and efficient digital payment services while connecting local consumers and businesses to the global digital economy. It also signals the company’s growing commitment to expanding its African footprint.

For many Ghanaians, participating in the modern digital economy, such as shopping online, paying bills, or managing business transactions, requires navigating a complex, often fragmented financial landscape. The new license allows dLocal to operate under the full oversight of the Bank of Ghana, ensuring that its payment infrastructure meets rigorous national standards for security and consumer protection, while enabling local consumers to transact confidently.

Additionally, it gives international merchants the confidence to pursue export opportunities to Ghana and provide local consumers with international products that they can pay for with local payment methods.

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“dLocal’s primary goal is to simplify the digital lives of Ghanaians by providing a more reliable and seamless way to transact,” said Oluwademilade Egbeyemi, regional expansion manager (West Africa) for dLocal.

“By operating under the guidance of the Bank of Ghana, we are building an infrastructure that gives people the confidence that their money is moving safely, whether they are a local business owner reaching new customers or a consumer paying for essential services.”

Impact for the Ghanaian ecosystem

The authorisation allows dLocal to offer a comprehensive suite of payment services designed to support broader national goals, including:

• Increased financial inclusion. By streamlining payment collections and payouts, the platform helps make digital commerce more accessible to businesses of all sizes, from small local shops to large enterprises.
• Enhanced transaction security. Operating as a licensed EPSP means all digital payments processed through dLocal’s infrastructure adhere to strict local regulatory standards, fostering a safer environment for consumers.
• Reliable connectivity. The license facilitates a more stable connection between local payment methods, such as mobile money and bank transfers, and the broader digital economy, reducing the friction often experienced during online transactions.
• Support for local growth. By providing businesses with a robust, regulated infrastructure, the company aims to help local merchants scale their operations and generate trust abroad to boost new opportunities.

This development marks a significant commitment to Ghana’s digital-first future, emphasising the company’s role in supporting a secure and inclusive financial ecosystem in the markets in which they operate.