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Lydia

Lydia

French Mobile Payments

VS

dLocal

Emerging Markets

dLocal
Fees from
Free for P2P, merchant fees apply vs 3-7% all-inclusive
Features

1 shared

1 unique to dLocal
Regions

0 shared

1 unique to Lydia · 4 unique to dLocal
Pay methods

1 shared

3 unique to Lydia · 9 unique to dLocal
On settlement

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Show full specs
2 features · 13 payment methods · 5 regions. We don't rank these — they're here for reference.
Lydia Lydia
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Free for P2P, merchant fees apply
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2013
2016
Headquarters
Paris, France
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
dLocal leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Payment Methods
dLocal leads (10 vs 4)
Amex Unique
—
✓
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Mastercard Unique
—
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Qr Code Unique
✓
—
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓

Lydia is best when you...

French Mobile Payments
Want coverage in Europe
dLocal doesn't cover this region
View Lydia

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Lydia and dLocal?
They share 1 payment method and 0 regions. Lydia adds Credit Card, Debit Card, QR Code that dLocal does not list; dLocal adds Amex, Boleto, Cash and 6 more that Lydia does not list; Lydia also covers Europe; dLocal also covers Africa, Asia and 2 more.
Which is cheaper, Lydia or dLocal?
Lydia has published rates from Free for P2P, merchant fees apply; 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 Lydia and dLocal?
Lydia lists 1 region and 4 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 Lydia and dLocal 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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