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M-Pesa

M-Pesa

African Mobile Money

VS

dLocal

Emerging Markets

dLocal
Fees from
1-3% vs 3-7% all-inclusive
Features

1 shared

1 unique to M-Pesa · 1 unique to dLocal
Regions

1 shared

3 unique to dLocal
Pay methods

1 shared

4 unique to M-Pesa · 9 unique to dLocal
On licensing

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Show full specs
3 features · 14 payment methods · 4 regions. We don't rank these — they're here for reference.
M-Pesa M-Pesa
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
1-3%
3-7% all-inclusive
Settlement
Time to receive funds
Instant
2–7 business days
Founded
2007
2016
Headquarters
Nairobi, Kenya
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
dLocal leads (10 vs 5)
Amex Unique
—
✓
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
M Pesa Unique
✓
—
Mastercard Unique
—
✓
Mobile Money Unique
✓
—
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Qr Code Unique
✓
—
Ussd Unique
✓
—
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓

M-Pesa is best when you...

African Mobile Money
Need Startup Friendly
Not available with dLocal
View M-Pesa

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between M-Pesa and dLocal?
They share 1 payment method and 1 region. M-Pesa adds M-Pesa, Mobile Money, QR Code and 1 more that dLocal does not list; dLocal adds Amex, Boleto, Cash and 6 more that M-Pesa does not list; dLocal also covers Asia, Latin America and 1 more; only M-Pesa offers Startup Friendly.
Which is cheaper, M-Pesa or dLocal?
M-Pesa has published rates from 1-3%; 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 M-Pesa and dLocal?
M-Pesa lists 1 region and 5 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 M-Pesa and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; M-Pesa settles in Instant, 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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