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dLocal

dLocal

Emerging Markets

VS

Bizum

Spanish Mobile Payments

Bizum
Fees from
3-7% all-inclusive vs Free for P2P, merchant fees vary
Features

1 shared

1 unique to dLocal · 1 unique to Bizum
Regions

0 shared

4 unique to dLocal · 1 unique to Bizum
Pay methods

1 shared

9 unique to dLocal · 2 unique to Bizum
On region

dLocal covers 4 regions; Bizum covers 1. Verify directly with each provider before signing.

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Show full specs
3 features · 12 payment methods · 5 regions. We don't rank these — they're here for reference.
dLocal dLocal
Bizum Bizum
Quick Facts
Fees
Standard transaction rate
3-7% all-inclusive
Free for P2P, merchant fees vary
Settlement
Time to receive funds
2–7 business days
Instant
Founded
2016
2016
Headquarters
Montevideo, Uruguay
Madrid, Spain
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
✓
—
Instant Payout
✓
✓
Low Fees Unique
—
✓
Payment Methods
dLocal leads (10 vs 3)
Amex Unique
✓
—
Bank Transfer
✓
✓
Boleto Unique
✓
—
Cash Unique
✓
—
Digital Wallet Unique
✓
—
Mastercard Unique
✓
—
Mobile Wallet Unique
—
✓
Oxxo Unique
✓
—
P2p Transfer Unique
—
✓
Pix Unique
✓
—
Pse Unique
✓
—
Visa Unique
✓
—
Regions
dLocal leads (4 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
—
✓
Latin America Unique
✓
—
Middle East Unique
✓
—

dLocal is best when you...

Emerging Markets
Need Enterprise
Not available with Bizum
Want coverage in Africa, Asia, Latin America, Middle East
Bizum doesn't cover these regions
View dLocal

Bizum is best when you...

Spanish Mobile Payments
Need Low Fees
Not available with dLocal
Want coverage in Europe
dLocal doesn't cover this region
View Bizum

Frequently Asked Questions

What is the difference between dLocal and Bizum?
They share 1 payment method and 0 regions. dLocal adds Amex, Boleto, Cash and 6 more that Bizum does not list; Bizum adds Mobile Wallet, P2P Transfer that dLocal does not list; dLocal also covers Africa, Asia and 2 more; Bizum also covers Europe.
Which is cheaper, dLocal or Bizum?
dLocal has published rates from 3-7% all-inclusive; Bizum has published rates from Free for P2P, merchant fees vary. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use dLocal and Bizum?
dLocal lists 4 regions and 10 payment methods; Bizum lists 1 and 3. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do dLocal and Bizum compare on integration and settlement?
both offer a sandbox; both support webhooks; dLocal settles in 2–7 business days, Bizum in Instant.

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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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