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Open Financial

Open Financial

Indian SME Neo-Banking

VS

dLocal

Emerging Markets

dLocal
Fees from
Free banking; payment fees vary vs 3-7% all-inclusive
Features

1 shared

1 unique to Open Financial · 1 unique to dLocal
Regions

1 shared

3 unique to dLocal
Pay methods

1 shared

1 unique to Open Financial · 9 unique to dLocal
On region

dLocal covers 4 regions; Open Financial covers 1. Verify directly with each provider before signing.

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3 features · 11 payment methods · 4 regions. We don't rank these — they're here for reference.
Open Financial Open Financial
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Free banking; payment fees vary
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2017
2016
Headquarters
Bengaluru, India
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
dLocal leads (10 vs 2)
Amex Unique
—
✓
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard Unique
—
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Upi Unique
✓
—
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓

Open Financial is best when you...

Indian SME Neo-Banking
Need Startup Friendly
Not available with dLocal
View Open Financial

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Open Financial and dLocal?
They share 1 payment method and 1 region. Open Financial adds UPI that dLocal does not list; dLocal adds Amex, Boleto, Cash and 6 more that Open Financial does not list; dLocal also covers Africa, Latin America and 1 more; only Open Financial offers Startup Friendly.
Which is cheaper, Open Financial or dLocal?
Open Financial has published rates from Free banking; payment fees vary; 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 Open Financial and dLocal?
Open Financial lists 1 region and 2 payment methods; dLocal lists 4 and 10. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Open Financial 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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