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Payflex

Payflex

South African BNPL

VS

dLocal

Emerging Markets

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

0 shared

1 unique to Payflex · 2 unique to dLocal
Regions

1 shared

3 unique to dLocal
Pay methods

0 shared

4 unique to Payflex · 10 unique to dLocal
On region

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

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Show full specs
3 features · 14 payment methods · 4 regions. We don't rank these — they're here for reference.
Payflex Payflex
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Custom
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2016
2016
Headquarters
Cape Town, South Africa
Montevideo, Uruguay
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
dLocal leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
✓
—
Payment Methods
dLocal leads (10 vs 4)
Amex Unique
—
✓
Bank Transfer Unique
—
✓
Bnpl Unique
✓
—
Boleto Unique
—
✓
Cash Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Eft Unique
✓
—
Mastercard Unique
—
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓

Payflex is best when you...

South African BNPL
Need Low Fees
Not available with dLocal
View Payflex

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Payflex and dLocal?
They share 0 payment methods and 1 region. Payflex adds Buy Now Pay Later, Credit Card, Debit Card and 1 more that dLocal does not list; dLocal adds Amex, Bank Transfer, Boleto and 7 more that Payflex does not list; dLocal also covers Asia, Latin America and 1 more; only Payflex offers Low Fees.
Which is cheaper, Payflex or dLocal?
Payflex has custom pricing quoted on engagement; 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 Payflex and dLocal?
Payflex lists 1 region and 4 payment methods; dLocal lists 4 and 10. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Payflex and dLocal compare on integration and settlement?
dLocal offers a sandbox, Payflex does not list one; 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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