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P

PanPay

VS

dLocal

Emerging Markets

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

0 shared

2 unique to dLocal
Regions

1 shared

2 unique to PanPay · 3 unique to dLocal
Pay methods

0 shared

3 unique to PanPay · 10 unique to dLocal

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2 features · 13 payment methods · 6 regions. We don't rank these — they're here for reference.
PanPay
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
—
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2017
2016
Headquarters
Shanghai, China
Montevideo, Uruguay
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
dLocal leads (2 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Payment Methods
dLocal leads (10 vs 3)
Ach Unique
✓
—
Amex Unique
—
✓
Bank Transfer Unique
—
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard Unique
—
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Sepa Unique
✓
—
Swift Unique
✓
—
Visa Unique
—
✓
Regions
dLocal leads (4 vs 3)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—

PanPay is best when you...

Want coverage in Europe, North America
dLocal doesn't cover these regions
View PanPay

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between PanPay and dLocal?
They share 0 payment methods and 1 region. PanPay adds ACH, SEPA, SWIFT that dLocal does not list; dLocal adds Amex, Bank Transfer, Boleto and 7 more that PanPay does not list; PanPay also covers Europe, North America; dLocal also covers Africa, Latin America and 1 more.
Which is cheaper, PanPay or dLocal?
PanPay has no published rate; 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 PanPay and dLocal?
PanPay lists 3 regions and 3 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 PanPay and dLocal compare on integration and settlement?
dLocal offers a sandbox, PanPay does not list one; dLocal supports 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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