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dLocal

dLocal

Emerging Markets

VS

Chime

US Fee-Free Banking

Chime
Fees from
3-7% all-inclusive vs Custom
Features

1 shared

1 unique to dLocal · 1 unique to Chime
Regions

0 shared

4 unique to dLocal · 1 unique to Chime
Pay methods

1 shared

9 unique to dLocal · 2 unique to Chime
On licensing

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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
Chime Chime
Quick Facts
Fees
Standard transaction rate
3-7% all-inclusive
Custom
Settlement
Time to receive funds
2–7 business days
Same day
Founded
2016
2013
Headquarters
Montevideo, Uruguay
San Francisco, California
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
✓
—
Debit Card Unique
—
✓
Digital Wallet Unique
✓
—
Direct Deposit Unique
—
✓
Mastercard Unique
✓
—
Oxxo Unique
✓
—
Pix Unique
✓
—
Pse Unique
✓
—
Visa Unique
✓
—
Regions
dLocal leads (4 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
—
✓

dLocal is best when you...

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

Chime is best when you...

US Fee-Free Banking
Need Low Fees
Not available with dLocal
Want coverage in North America
dLocal doesn't cover this region
View Chime

Frequently Asked Questions

What is the difference between dLocal and Chime?
They share 1 payment method and 0 regions. dLocal adds Amex, Boleto, Cash and 6 more that Chime does not list; Chime adds Debit Card, Direct Deposit that dLocal does not list; dLocal also covers Africa, Asia and 2 more; Chime also covers North America.
Which is cheaper, dLocal or Chime?
dLocal has published rates from 3-7% all-inclusive; Chime 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 Chime?
dLocal lists 4 regions and 10 payment methods; Chime 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 Chime compare on integration and settlement?
dLocal offers a sandbox, Chime does not list one; dLocal supports webhooks; dLocal settles in 2–7 business days, Chime in Same day.

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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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