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PagoEfectivo

PagoEfectivo

Peruvian Cash & Bank Payments

VS

dLocal

Emerging Markets

dLocal
Fees from
Per-transaction vs 3-7% all-inclusive
Features

1 shared

1 unique to dLocal
Regions

1 shared

3 unique to dLocal
Pay methods

2 shared

3 unique to PagoEfectivo · 8 unique to dLocal
On fees

PagoEfectivo publishes Per-transaction from. dLocal publishes 3-7% all-inclusive from. Verify directly with each provider before signing.

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Show full specs
2 features · 13 payment methods · 4 regions. We don't rank these — they're here for reference.
PagoEfectivo PagoEfectivo
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Per-transaction
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2008
2016
Headquarters
Lima, Peru
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
dLocal leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Payment Methods
dLocal leads (10 vs 5)
Amex Unique
—
✓
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash
✓
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Mastercard Unique
—
✓
Mobile Wallet Unique
✓
—
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Latin America
✓
✓
Middle East Unique
—
✓

PagoEfectivo is best when you...

Peruvian Cash & Bank Payments
View PagoEfectivo

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between PagoEfectivo and dLocal?
They share 2 payment methods and 1 region. PagoEfectivo adds Credit Card, Debit Card, Mobile Wallet that dLocal does not list; dLocal adds Amex, Boleto, Digital Wallet and 5 more that PagoEfectivo does not list; dLocal also covers Africa, Asia and 1 more; only dLocal offers Enterprise.
Which is cheaper, PagoEfectivo or dLocal?
PagoEfectivo has published rates from Per-transaction; 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 PagoEfectivo and dLocal?
PagoEfectivo lists 1 region and 5 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 PagoEfectivo 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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