D24

What D24 does

D24 (legally Directa24 LLP, registered in England and Wales) is a London-headquartered cross-border payment service provider founded in 2018/2019. The company operates a single-API platform exposing 250+ APIs that give merchants access to 300+ local and global payment methods across 30+ countries spanning LATAM, Asia, and Africa & Middle East. Core products are organized into Payins (payment acceptance including credit cards, bank transfers, e-wallets, and cash vouchers), Payouts (24/7 bulk and instant disbursements in multiple currencies), and KYC Tools (identity verification including document validation, biometric checks, PEP screening, and sanction list monitoring). Around these core products sit modular add-ons such as QuickPay, Payment Links, Tailored Plans (installments/recurring/split payments), Native Checkout (PCI-compliant card capture), Platform Booster for marketplaces, Control and Alerts for cashout management, and Biometric Verification. The AI layer — branded as "Deep Payments" — applies proprietary models to payment routing, fraud detection, payer behavior prediction, and customer service automation, with publicly cited outcomes including an 8% to 1% fraud reduction in Colombia and a 23-minute to 1-minute reduction in median customer service resolution time for a Brazilian retailer. Distribution is hybrid: enterprise merchants are served through dedicated account managers and technical onboarding from sandbox to launch, while SMB and mid-market merchants self-onboard via certified plugins for Shopify, WooCommerce, and Magento, plus PHP and Java SDKs.

The company monetizes primarily through transaction fees on payins and payouts, with professional services revenue tied to KYC/compliance work. Pricing is quote-based and not publicly disclosed, consistent with a B2B enterprise motion, and all pricing inquiries route through a Contact Sales CTA. D24 reports no disclosed funding rounds, no parent company, and no M&A activity, indicating either organic profitability or founder-funded growth. It serves 500+ clients and processes 260M+ monthly transactions, with no downtime reported in over 18 months. Customer segments are horizontal — e-commerce, digital marketplaces, fintech, gaming/iGaming, cross-border commerce, and retail/subscription services — with a particular emphasis on emerging-market merchants who need local payment methods (PIX in Brazil, SPEI in Mexico, PSE in Colombia, UPI in India), regulatory compliance, and FX stability solutions. The company explicitly excludes the UK and US from its operating geographies, focusing instead on higher-friction emerging-market corridors where local payment expertise and bank relationships constitute the primary competitive moat.

Name

D24

Legal name

Directa24 LLP

Website

https://d24.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

D24 is a London-headquartered cross-border payment processor that enables merchants to accept 300+ local and global payment methods across 30+ emerging-market countries in LATAM, Asia, and Africa & Middle East through a single API. It serves 500+ e-commerce, marketplace, fintech, gaming, and retail clients with AI-powered routing, fraud detection, and KYC.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Payment Gateways & API Connectivity (FSAGABAB), SME & Business Cross-Border Payments (B2B) (FSAMAIAB), Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

Keywords

• Cross-border payments
• Payment processing platform
• Merchant payment gateway
• KYC identity verification
• Payout orchestration

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Payment Processing Fees: D24 charges transaction fees for processing payins and payouts across its global payment network. Bank transfers completed in under 2 hours, 7 days a week. The company processes 260M+ monthly transactions across 500+ clients in 30+ countries.
2. Tailored Payment Plans: Revenue from installment plans, recurring payments, and split payment solutions. Offers flexible payment options like installments, recurring, and split payments to boost sales and meet diverse market needs.
3. Payout Services: Secure, 24/7 global payouts in multiple currencies with instant transfers and real-time systems. Bulk payment capabilities for thousands of transactions (payroll, vendor payments, refunds) in a few clicks.
4. KYC and Compliance Services: Identity verification services including document validation, biometric verification, PEP screening, sanction list checking, and fraud verification using Central Bank data in Brazil.

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

D24 (Directa24 LLP) operates an API-first cross-border payment platform that enables merchants to accept online payments (payins), disburse funds (payouts), and verify user identities (KYC) across 30+ countries in LATAM, Asia, and Africa & the Middle East. A single API integration exposes 250+ APIs supporting 300+ local and global payment methods, with embedded AI-powered fraud detection, route optimization, and compliance tooling.

Product overview

D24 is a cross-border payment service provider offering a unified platform with multiple integrated modules for global payment processing. The core offering includes Payins (payment acceptance) and Payouts (fund disbursement), supported by KYC Tools for identity verification. Additional modules include QuickPay, Payment Links, and Tailored Plans (installment/recurring/split payments) under the Boost Payments umbrella. Platform-specific solutions include Platform Booster for marketplaces and Native Checkout for PCI-compliant card processing. The company serves merchants in 30+ countries across LATAM, Asia, and Africa via a single API integration with 250+ APIs, supported by e-commerce plugins for Shopify, WooCommerce, and Magento.

Differentiator

Problem solved

Functional benefit

Products and services

• Payins Accept online payments worldwide via credit cards, bank transfers, e-wallets, and cash vouchers across 30+ countries, supporting local currencies and cross-border transactions.
• Payouts Secure 24/7 global payouts in multiple currencies with instant transfers and real-time systems; enables bulk payments like payroll, vendor payments, and refunds in a few clicks.
• KYC Tools Automated user identity verification with multi-factor authentication for secure onboarding and fraud prevention; includes document validation, PEP screening, and sanction list checks.
• QuickPay Enables instant payments for customers without registration forms via QR codes or bank transfers; eliminates friction, boosts conversions, and provides instant KYC data to merchants.
• Payment Links Collect payments without a website by sending customized secure links through any communication method; create and dispatch links in seconds for fast transactions.

Quantifiable outcome

• Reduced fraudulent transactions in Colombia from 8% to 1% of daily transactions in one month using AI-powered fraud detection
• +6 more outcomes

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability7 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core.

• SolumizecoreTechnology or IntegrationSolumize provides the intelligent interface layer for D24's payment AI solutions. Through optimized SEO architecture and support bots, Solumize ensures intuitive user flows while D24's Deep Payment engines secure transactions in the backend. The partnership enables customized AI bots and front-end interfaces that adapt to specific search and purchasing behaviors across Latin America.
• ShopifycoreTechnology or IntegrationCertified Shopify partner allowing merchants to integrate D24 into Shopify stores without code. D24's solution adapts to Shopify's native checkout, boosting conversions with real-time local payment methods. The plugin enables frictionless payments for Latin American markets.
• WooCommercecoreTechnology or IntegrationOfficial WooCommerce plugin partner. D24's plugin supercharges WooCommerce stores with local payment methods, reduces cart abandonment, and allows customization of checkout flow to match user experience - all in a few clicks.
• MagentocoreTechnology or IntegrationOfficial Magento partner plugin enabling merchants to accept local payment methods through D24's payment gateway. Provides seamless integration for Magento e-commerce stores targeting LATAM and other emerging markets.
• YunocoreTechnology or IntegrationD24 and Yuno partnership announced in Tech Radar for driving next-level payment innovation. The partnership aims to transform digital payments for global scalability and ease, combining D24's cross-border payment expertise with Yuno's payment orchestration capabilities.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Stripe: Global payment platform with API-first payment gateway, payouts, fraud, and KYC capabilities. Competes head-on with D24 for cross-border merchants, though Stripe's coverage in LATAM and Africa is less deep than D24's specialized focus.
• Adyen: Unified global payments platform offering gateway, processing, and acquiring through a single API. Targets large enterprise merchants with multi-country needs, similar to D24's enterprise motion, but with broader geographic and vertical coverage.
• Checkout.com: Global payment gateway and processor offering unified APIs for card acceptance, alternative payment methods, and payouts. Competes with D24 for enterprise cross-border merchants in LATAM and Asia.

Direct peers

• dLocal: Cross-border payment processor specializing in emerging markets (LATAM, Africa, Asia) with payin and payout capabilities via single API. The closest publicly traded comparable to D24's emerging-market-focused, one-stop-platform model.
• EBANX: LATAM-focused cross-border payments company offering local payment method acceptance and payouts across Brazil, Mexico, and other emerging markets. Direct overlap with D24's core LATAM payin franchise.
• Rapyd: Fintech-as-a-service and payment orchestration platform with deep emerging-market coverage, including payins, payouts, and local payment methods. Closely mirrors D24's single-API, multi-country model and vertical breadth.

Emerging players

• Yuno: Payment orchestration platform with emerging-market focus and a strategic partnership already announced with D24. Competes in the same LATAM-centric merchant base but at the orchestration layer rather than direct acquiring.
• Pismo: Cloud-native core banking and payment processing platform serving LATAM banks and fintechs with API-based issuing and account services. Overlaps with D24 in regional payment infrastructure targeting emerging-market financial institutions.
• Payoneer: Cross-border payments platform serving SMBs, marketplaces, and freelancers with multi-currency receiving, payouts, and FX. Comparable to D24's payout and cross-border settlement capabilities for SMB and platform customers.

Regional players

• PagSeguro / PagBank: Brazilian acquirer and digital payments platform offering card processing, PIX, and merchant accounts. Strong domestic overlap with D24's Brazil payin business but limited international cross-border relevance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/directa24
• Instagraminstagram.com/d24teams/?hl=en

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about D24