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dLocal

dLocal

Emerging Markets

VS

Cielo

Brazilian Payment Acquiring

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

1 shared

1 unique to dLocal
Regions

1 shared

3 unique to dLocal
Pay methods

6 shared

4 unique to dLocal · 4 unique to Cielo
On payment methods

Both support 10 payment methods. Verify directly with each provider before signing.

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Show full specs
2 features · 14 payment methods · 4 regions. We don't rank these — they're here for reference.
dLocal dLocal
Cielo Cielo
Quick Facts
Fees
Standard transaction rate
3-7% all-inclusive
Custom
Settlement
Time to receive funds
2–7 business days
—
Founded
2016
1995
Headquarters
Montevideo, Uruguay
Barueri, Sao Paulo, Brazil
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
dLocal leads (2 vs 1)
Enterprise
✓
✓
Instant Payout Unique
✓
—
Payment Methods
Amex
✓
✓
Bank Transfer Unique
✓
—
Boleto
✓
✓
Cash Unique
✓
—
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet
✓
✓
Elo Unique
—
✓
Mastercard
✓
✓
Oxxo Unique
✓
—
Pix
✓
✓
Pse Unique
✓
—
Qr Code Unique
—
✓
Visa
✓
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Latin America
✓
✓
Middle East Unique
✓
—

dLocal is best when you...

Emerging Markets
Need Instant Payout
Not available with Cielo
Want coverage in Africa, Asia, Middle East
Cielo doesn't cover these regions
View dLocal

Cielo is best when you...

Brazilian Payment Acquiring
View Cielo

Frequently Asked Questions

What is the difference between dLocal and Cielo?
They share 6 payment methods and 1 region. dLocal adds Bank Transfer, Cash, OXXO and 1 more that Cielo does not list; Cielo adds Credit Card, Debit Card, Elo and 1 more that dLocal does not list; dLocal also covers Africa, Asia and 1 more; only dLocal offers Instant Payout.
Which is cheaper, dLocal or Cielo?
dLocal has published rates from 3-7% all-inclusive; Cielo 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 Cielo?
dLocal lists 4 regions and 10 payment methods; Cielo lists 1 and 10. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do dLocal and Cielo compare on integration and settlement?
both offer a sandbox; both support webhooks; dLocal publishes a settlement time of 2–7 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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