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JCB

JCB

Japanese customers

VS

dLocal

Emerging Markets

dLocal
Fees from
2.95-3.5% vs 3-7% all-inclusive
Features

1 shared

1 unique to dLocal
Regions

1 shared

2 unique to JCB · 3 unique to dLocal
Pay methods

3 shared

7 unique to JCB · 7 unique to dLocal
On region

dLocal covers 4 regions; JCB covers 3. Verify directly with each provider before signing.

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Show full specs
2 features · 17 payment methods · 6 regions. We don't rank these — they're here for reference.
JCB JCB
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
2.95-3.5%
3-7% all-inclusive
Settlement
Time to receive funds
2–3 business days
2–7 business days
Founded
1961
2016
Headquarters
Tokyo, Japan
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
dLocal leads (2 vs 1)
Enterprise
✓
✓
Instant Payout Unique
—
✓
Payment Methods
Amex
✓
✓
Apple Pay Unique
✓
—
Bank Transfer Unique
—
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Contactless Unique
✓
—
Digital Wallet Unique
—
✓
Diners Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Mastercard
✓
✓
Mobile Payment Unique
✓
—
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Unionpay Unique
✓
—
Visa
✓
✓
Regions
dLocal leads (4 vs 3)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—

JCB is best when you...

Japanese customers
Want coverage in Europe, North America
dLocal doesn't cover these regions
View JCB

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between JCB and dLocal?
They share 3 payment methods and 1 region. JCB adds Apple Pay, Contactless, Diners Club and 4 more that dLocal does not list; dLocal adds Bank Transfer, Boleto, Cash and 4 more that JCB does not list; JCB also covers Europe, North America; dLocal also covers Africa, Latin America and 1 more.
Which is cheaper, JCB or dLocal?
JCB has published rates from 2.95-3.5%; 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 JCB and dLocal?
JCB lists 3 regions and 10 payment methods; dLocal lists 4 and 10. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do JCB and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; JCB settles in 2–3 business days, dLocal in 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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