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dLocal

dLocal

Emerging Markets

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
3-7% all-inclusive vs Custom
Features

0 shared

2 unique to dLocal · 5 unique to A-Pay
Regions

4 shared

2 unique to A-Pay
Pay methods

5 shared

5 unique to dLocal · 14 unique to A-Pay
On payment methods

A-Pay supports 19 payment methods, 9 more than dLocal. Verify directly with each provider before signing.

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Show full specs
7 features · 24 payment methods · 6 regions. We don't rank these — they're here for reference.
dLocal dLocal
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
3-7% all-inclusive
Custom
Settlement
Time to receive funds
2–7 business days
1–2 business days
Founded
2016
2021
Headquarters
Montevideo, Uruguay
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
✓
—
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 10)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Boleto Unique
✓
—
Cash Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Digital Wallet Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Oxxo Unique
✓
—
Paypal Unique
—
✓
Pix
✓
✓
Pse Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 4)
Africa
✓
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America
✓
✓
Middle East
✓
✓
Southeast Asia Unique
—
✓

dLocal is best when you...

Emerging Markets
Need Enterprise
Not available with A-Pay
Need Instant Payout
Not available with A-Pay
View dLocal

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with dLocal
Need High Risk Accepted
Not available with dLocal
Want coverage in Europe, Southeast Asia
dLocal doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between dLocal and A-Pay?
They share 5 payment methods and 4 regions. dLocal adds Boleto, Cash, Digital Wallet and 2 more that A-Pay does not list; A-Pay adds ACH, Alipay, Apple Pay and 11 more that dLocal does not list; A-Pay also covers Europe, Southeast Asia; only dLocal offers Enterprise, Instant Payout.
Which is cheaper, dLocal or A-Pay?
dLocal has published rates from 3-7% all-inclusive; A-Pay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use dLocal and A-Pay?
dLocal lists 4 regions and 10 payment methods; A-Pay lists 6 and 19. both cover Africa, Asia, Latin America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do dLocal and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; dLocal settles in 2–7 business days, A-Pay in 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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