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dLocal

dLocal

Emerging Markets

VS

Culqi

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo

Culqi
Fees from
3-7% all-inclusive vs 3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee
Features

0 shared

2 unique to dLocal · 3 unique to Culqi
Regions

1 shared

3 unique to dLocal
Pay methods

4 shared

6 unique to dLocal · 3 unique to Culqi
On fees

dLocal publishes 3-7% all-inclusive from. Culqi publishes 3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee from. Verify directly with each provider before signing.

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Show full specs
5 features · 13 payment methods · 4 regions. We don't rank these — they're here for reference.
dLocal dLocal
Culqi Culqi
Quick Facts
Fees
Standard transaction rate
3-7% all-inclusive
3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee
Settlement
Time to receive funds
2–7 business days
Same day
Founded
2016
2013
Headquarters
Montevideo, Uruguay
Lima, Peru
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Culqi leads (3 vs 2)
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
dLocal leads (10 vs 7)
Amex Unique
✓
—
Bank Transfer
✓
✓
Bnpl Unique
—
✓
Boleto Unique
✓
—
Cash Unique
✓
—
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet
✓
✓
Mastercard
✓
✓
Oxxo Unique
✓
—
Pix Unique
✓
—
Pse 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 Enterprise
Not available with Culqi
Need Instant Payout
Not available with Culqi
Want coverage in Africa, Asia, Middle East
Culqi doesn't cover these regions
View dLocal

Culqi is best when you...

Peruvian startups and SMEs accepting local cards, Yape and PagoEfectivo
Need Instant Sandbox
Not available with dLocal
Need Recurring Payments
Not available with dLocal
View Culqi

Frequently Asked Questions

What is the difference between dLocal and Culqi?
They share 4 payment methods and 1 region. dLocal adds Amex, Boleto, Cash and 3 more that Culqi does not list; Culqi adds Buy Now Pay Later, Credit Card, Debit Card that dLocal does not list; dLocal also covers Africa, Asia and 1 more; only dLocal offers Enterprise, Instant Payout.
Which is cheaper, dLocal or Culqi?
dLocal has published rates from 3-7% all-inclusive; Culqi has published rates from 3.44% + IGV (national cards/Yape); 3.99% + IGV (international cards/digital wallets/PagoEfectivo); online adds $0.20 fixed fee. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use dLocal and Culqi?
dLocal lists 4 regions and 10 payment methods; Culqi lists 1 and 7. 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 Culqi compare on integration and settlement?
both offer a sandbox; both support webhooks; dLocal settles in 2–7 business days, Culqi 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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