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Nubank

Nubank

Latin American Neobank

VS

dLocal

Emerging Markets

dLocal
Fees from
0% for Pix, 0.89% for debit, 3.09% for credit vs 3-7% all-inclusive
Features

0 shared

2 unique to Nubank · 2 unique to dLocal
Regions

1 shared

3 unique to dLocal
Pay methods

1 shared

2 unique to Nubank · 9 unique to dLocal
On fees

Nubank publishes 0% for Pix, 0.89% for debit, 3.09% for credit from. dLocal publishes 3-7% all-inclusive from. Verify directly with each provider before signing.

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Show full specs
4 features · 12 payment methods · 4 regions. We don't rank these — they're here for reference.
Nubank Nubank
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
0% for Pix, 0.89% for debit, 3.09% for credit
3-7% all-inclusive
Settlement
Time to receive funds
Same day
2–7 business days
Founded
2013
2016
Headquarters
São Paulo, Brazil
Montevideo, Uruguay
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
dLocal leads (10 vs 3)
Amex Unique
—
✓
Bank Transfer Unique
—
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Mastercard Unique
—
✓
Oxxo Unique
—
✓
Pix
✓
✓
Pse Unique
—
✓
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Latin America
✓
✓
Middle East Unique
—
✓

Nubank is best when you...

Latin American Neobank
Need Low Fees
Not available with dLocal
Need Startup Friendly
Not available with dLocal
View Nubank

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Nubank and dLocal?
They share 1 payment method and 1 region. Nubank adds Credit Card, Debit Card that dLocal does not list; dLocal adds Amex, Bank Transfer, Boleto and 6 more that Nubank does not list; dLocal also covers Africa, Asia and 1 more; only Nubank offers Low Fees, Startup Friendly.
Which is cheaper, Nubank or dLocal?
Nubank has published rates from 0% for Pix, 0.89% for debit, 3.09% for credit; 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 Nubank and dLocal?
Nubank lists 1 region and 3 payment methods; dLocal lists 4 and 10. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Nubank and dLocal compare on integration and settlement?
dLocal offers a sandbox, Nubank does not list one; both support webhooks; Nubank settles in Same day, dLocal in 2–7 business days.

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