M

M&S Bank

VS

dLocal

Emerging Markets

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

0 shared

2 unique to dLocal
Regions

0 shared

1 unique to M&S Bank · 4 unique to dLocal
Pay methods

1 shared

9 unique to dLocal
On settlement

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

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Show full specs
2 features · 10 payment methods · 5 regions. We don't rank these — they're here for reference.
M&S Bank
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Custom
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
1985
2016
Headquarters
—
Montevideo, Uruguay
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
dLocal leads (2 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Payment Methods
dLocal leads (10 vs 1)
Amex Unique
—
✓
Bank Transfer Unique
—
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard
✓
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓

M&S Bank is best when you...

Want coverage in Europe
dLocal doesn't cover this region
View M&S Bank

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between M&S Bank and dLocal?
They share 1 payment method and 0 regions. dLocal adds Amex, Bank Transfer, Boleto and 6 more that M&S Bank does not list; M&S Bank also covers Europe; dLocal also covers Africa, Asia and 2 more; only dLocal offers Enterprise, Instant Payout.
Which is cheaper, M&S Bank or dLocal?
M&S Bank 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 M&S Bank and dLocal?
M&S Bank lists 1 region and 1 payment method; 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 M&S Bank and dLocal compare on integration and settlement?
dLocal offers a sandbox, M&S Bank does not list one; 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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