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dLocal

dLocal

Emerging Markets

VS

CowPay

Egyptian Payment Splitting

CowPay
Fees from
3-7% all-inclusive vs 0% on select methods
Features

1 shared

1 unique to dLocal · 2 unique to CowPay
Regions

2 shared

2 unique to dLocal
Pay methods

3 shared

7 unique to dLocal · 3 unique to CowPay
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
4 features · 13 payment methods · 4 regions. We don't rank these — they're here for reference.
dLocal dLocal
CowPay CowPay
Quick Facts
Fees
Standard transaction rate
3-7% all-inclusive
0% on select methods
Settlement
Time to receive funds
2–7 business days
—
Founded
2016
2019
Headquarters
Montevideo, Uruguay
Sheikh Zayed, Giza, Egypt
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
CowPay leads (3 vs 2)
Enterprise Unique
✓
—
Instant Payout
✓
✓
Low Fees Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
dLocal leads (10 vs 6)
Amex Unique
✓
—
Bank Transfer Unique
✓
—
Boleto Unique
✓
—
Cash
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
✓
—
Mastercard
✓
✓
Mobile Wallet Unique
—
✓
Oxxo Unique
✓
—
Pix Unique
✓
—
Pse Unique
✓
—
Visa
✓
✓
Regions
dLocal leads (4 vs 2)
Africa
✓
✓
Asia Unique
✓
—
Latin America Unique
✓
—
Middle East
✓
✓

dLocal is best when you...

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

CowPay is best when you...

Egyptian Payment Splitting
Need Low Fees
Not available with dLocal
Need Recurring Payments
Not available with dLocal
View CowPay

Frequently Asked Questions

What is the difference between dLocal and CowPay?
They share 3 payment methods and 2 regions. dLocal adds Amex, Bank Transfer, Boleto and 4 more that CowPay does not list; CowPay adds Credit Card, Debit Card, Mobile Wallet that dLocal does not list; dLocal also covers Asia, Latin America; only dLocal offers Enterprise.
Which is cheaper, dLocal or CowPay?
dLocal has published rates from 3-7% all-inclusive; CowPay has published rates from 0% on select methods. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use dLocal and CowPay?
dLocal lists 4 regions and 10 payment methods; CowPay lists 2 and 6. both cover Africa, Middle East. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do dLocal and CowPay 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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