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M-Pesa Business

M-Pesa Business

Kenyan M-Pesa Merchant

VS

dLocal

Emerging Markets

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

2 shared

1 unique to M-Pesa Business
Regions

1 shared

3 unique to dLocal
Pay methods

1 shared

1 unique to M-Pesa Business · 9 unique to dLocal
On settlement

M-Pesa Business settles in Instant; dLocal settles in 2–7 business days. Verify directly with each provider before signing.

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Show full specs
3 features · 11 payment methods · 4 regions. We don't rank these — they're here for reference.
M-Pesa Business M-Pesa Business
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Custom
3-7% all-inclusive
Settlement
Time to receive funds
Instant
2–7 business days
Founded
2007
2016
Headquarters
Kenya
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
M-Pesa Business leads (3 vs 2)
Enterprise
✓
✓
Instant Payout
✓
✓
Low Fees Unique
✓
—
Payment Methods
dLocal leads (10 vs 2)
Amex Unique
—
✓
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
✓
—
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓

M-Pesa Business is best when you...

Kenyan M-Pesa Merchant
Need Low Fees
Not available with dLocal
View M-Pesa Business

dLocal is best when you...

Emerging Markets
Want coverage in Asia, Latin America, Middle East
M-Pesa Business doesn't cover these regions
View dLocal

Frequently Asked Questions

What is the difference between M-Pesa Business and dLocal?
They share 1 payment method and 1 region. M-Pesa Business adds Mobile Money that dLocal does not list; dLocal adds Amex, Boleto, Cash and 6 more that M-Pesa Business does not list; dLocal also covers Asia, Latin America and 1 more; only M-Pesa Business offers Low Fees.
Which is cheaper, M-Pesa Business or dLocal?
M-Pesa Business 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-Pesa Business and dLocal?
M-Pesa Business lists 1 region and 2 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 Business and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; M-Pesa Business 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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