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Flutterwave

Flutterwave

Pan-African Payments

VS

dLocal

Emerging Markets

dLocal
Fees from
1.4% (local), 3.8% (international) vs 3-7% all-inclusive
Features

2 shared

2 unique to Flutterwave
Regions

1 shared

3 unique to dLocal
Pay methods

4 shared

12 unique to Flutterwave · 6 unique to dLocal
On licensing

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

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Show full specs
4 features · 22 payment methods · 4 regions. We don't rank these — they're here for reference.
Flutterwave Flutterwave
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
1.4% (local), 3.8% (international)
3-7% all-inclusive
Settlement
Time to receive funds
Next business day
2–7 business days
Founded
2016
2016
Headquarters
San Francisco, California / Lagos, Nigeria
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Flutterwave leads (4 vs 2)
Enterprise
✓
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Flutterwave leads (16 vs 10)
Amex
✓
✓
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Google Pay Unique
✓
—
M Pesa Unique
✓
—
Mastercard
✓
✓
Mobile Money Unique
✓
—
Oxxo Unique
—
✓
Payment Link Unique
✓
—
Pix Unique
—
✓
Pos Unique
✓
—
Pse Unique
—
✓
Qr Code Unique
✓
—
Ussd Unique
✓
—
Verve Unique
✓
—
Virtual Card Unique
✓
—
Visa
✓
✓
Regions
dLocal leads (4 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓

Flutterwave is best when you...

Pan-African Payments
Need Instant Sandbox
Not available with dLocal
Need Startup Friendly
Not available with dLocal
View Flutterwave

dLocal is best when you...

Emerging Markets
Want coverage in Asia, Latin America, Middle East
Flutterwave doesn't cover these regions
View dLocal

Frequently Asked Questions

What is the difference between Flutterwave and dLocal?
They share 4 payment methods and 1 region. Flutterwave adds Apple Pay, Credit Card, Debit Card and 9 more that dLocal does not list; dLocal adds Boleto, Cash, Digital Wallet and 3 more that Flutterwave does not list; dLocal also covers Asia, Latin America and 1 more; only Flutterwave offers Instant Sandbox, Startup Friendly.
Which is cheaper, Flutterwave or dLocal?
Flutterwave has published rates from 1.4% (local), 3.8% (international); dLocal has published rates from 3-7% all-inclusive. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Flutterwave and dLocal?
Flutterwave lists 1 region and 16 payment methods; dLocal lists 4 and 10. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Flutterwave and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; Flutterwave settles in Next business day, dLocal in 2–7 business days.

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