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Laybuy

Laybuy

ANZ Buy Now Pay Later

VS

dLocal

Emerging Markets

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

0 shared

1 unique to Laybuy · 2 unique to dLocal
Regions

0 shared

1 unique to Laybuy · 4 unique to dLocal
Pay methods

2 shared

8 unique to dLocal
On payment methods

dLocal supports 10 payment methods, 8 more than Laybuy. Verify directly with each provider before signing.

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3 features · 10 payment methods · 5 regions. We don't rank these — they're here for reference.
Laybuy Laybuy
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Custom
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2017
2016
Headquarters
New Zealand
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
—
✓
Features
dLocal leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
dLocal leads (10 vs 2)
Amex Unique
—
✓
Bank Transfer Unique
—
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard
✓
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Visa
✓
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Oceania Unique
✓
—

Laybuy is best when you...

ANZ Buy Now Pay Later
Need Startup Friendly
Not available with dLocal
Want coverage in Oceania
dLocal doesn't cover this region
View Laybuy

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Laybuy and dLocal?
They share 2 payment methods and 0 regions. dLocal adds Amex, Bank Transfer, Boleto and 5 more that Laybuy does not list; Laybuy also covers Oceania; dLocal also covers Africa, Asia and 2 more; only Laybuy offers Startup Friendly.
Which is cheaper, Laybuy or dLocal?
Laybuy has custom pricing quoted on engagement; 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 Laybuy and dLocal?
Laybuy lists 1 region and 2 payment methods; dLocal lists 4 and 10. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Laybuy and dLocal compare on integration and settlement?
both offer a sandbox; dLocal supports 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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