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Pagsmile

Pagsmile

LATAM Cross-Border Payments

VS

dLocal

Emerging Markets

dLocal
Fees from
From 3.5% per transaction vs 3-7% all-inclusive
Features

1 shared

1 unique to dLocal
Regions

1 shared

3 unique to dLocal
Pay methods

5 shared

2 unique to Pagsmile · 5 unique to dLocal
On payment methods

dLocal supports 10 payment methods, 3 more than Pagsmile. Verify directly with each provider before signing.

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Show full specs
2 features · 12 payment methods · 4 regions. We don't rank these — they're here for reference.
Pagsmile Pagsmile
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
From 3.5% per transaction
3-7% all-inclusive
Settlement
Time to receive funds
2–5 business days
2–7 business days
Founded
2018
2016
Headquarters
Hong Kong
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
dLocal leads (2 vs 1)
Enterprise
✓
✓
Instant Payout Unique
—
✓
Payment Methods
dLocal leads (10 vs 7)
Amex Unique
—
✓
Bank Transfer
✓
✓
Boleto
✓
✓
Cash Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet
✓
✓
Mastercard Unique
—
✓
Oxxo
✓
✓
Pix
✓
✓
Pse Unique
—
✓
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Latin America
✓
✓
Middle East Unique
—
✓

Pagsmile is best when you...

LATAM Cross-Border Payments
View Pagsmile

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Pagsmile and dLocal?
They share 5 payment methods and 1 region. Pagsmile adds Credit Card, Debit Card that dLocal does not list; dLocal adds Amex, Cash, Mastercard and 2 more that Pagsmile does not list; dLocal also covers Africa, Asia and 1 more; only dLocal offers Instant Payout.
Which is cheaper, Pagsmile or dLocal?
Pagsmile has published rates from From 3.5% 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 Pagsmile and dLocal?
Pagsmile lists 1 region and 7 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 Pagsmile and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; Pagsmile settles in 2–5 business days, 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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