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PayNow

PayNow

Singapore transfers

VS

dLocal

Emerging Markets

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

1 shared

1 unique to PayNow · 1 unique to dLocal
Regions

1 shared

1 unique to PayNow · 3 unique to dLocal
Pay methods

1 shared

3 unique to PayNow · 9 unique to dLocal
On licensing

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Show full specs
3 features · 13 payment methods · 5 regions. We don't rank these — they're here for reference.
PayNow PayNow
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Custom
3-7% all-inclusive
Settlement
Time to receive funds
Instant
2–7 business days
Founded
2017
2016
Headquarters
Singapore
Montevideo, Uruguay
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout
✓
✓
Low Fees Unique
✓
—
Payment Methods
dLocal leads (10 vs 4)
Amex Unique
—
✓
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard Unique
—
✓
Oxxo Unique
—
✓
Paynow Unique
✓
—
Pix Unique
—
✓
Pse Unique
—
✓
Qr Code Unique
✓
—
Real Time Payments Unique
✓
—
Visa Unique
—
✓
Regions
dLocal leads (4 vs 2)
Africa Unique
—
✓
Asia
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
✓
—

PayNow is best when you...

Singapore transfers
Need Low Fees
Not available with dLocal
Want coverage in Southeast Asia
dLocal doesn't cover this region
View PayNow

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between PayNow and dLocal?
They share 1 payment method and 1 region. PayNow adds PayNow, QR Code, Real-Time Payments that dLocal does not list; dLocal adds Amex, Boleto, Cash and 6 more that PayNow does not list; PayNow also covers Southeast Asia; dLocal also covers Africa, Latin America and 1 more.
Which is cheaper, PayNow or dLocal?
PayNow 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 PayNow and dLocal?
PayNow lists 2 regions and 4 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 PayNow and dLocal compare on integration and settlement?
dLocal offers a sandbox, PayNow does not list one; both support webhooks; PayNow settles in Instant, dLocal in 2–7 business days.

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