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PayPay

PayPay

Japanese Mobile Payments

VS

dLocal

Emerging Markets

dLocal
Fees from
From 1.6% per transaction vs 3-7% all-inclusive
Features

1 shared

1 unique to PayPay · 1 unique to dLocal
Regions

1 shared

3 unique to dLocal
Pay methods

1 shared

2 unique to PayPay · 9 unique to dLocal
On settlement

PayPay settles in Next business day; dLocal settles in 2–7 business days. Verify directly with each provider before signing.

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Show full specs
3 features · 12 payment methods · 4 regions. We don't rank these — they're here for reference.
PayPay PayPay
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
From 1.6% per transaction
3-7% all-inclusive
Settlement
Time to receive funds
Next business day
2–7 business days
Founded
2018
2016
Headquarters
Tokyo, Japan
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
dLocal leads (10 vs 3)
Amex Unique
—
✓
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard Unique
—
✓
Mobile Wallet Unique
✓
—
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Qr Code Unique
✓
—
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓

PayPay is best when you...

Japanese Mobile Payments
Need Startup Friendly
Not available with dLocal
View PayPay

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between PayPay and dLocal?
They share 1 payment method and 1 region. PayPay adds Mobile Wallet, QR Code that dLocal does not list; dLocal adds Amex, Boleto, Cash and 6 more that PayPay does not list; dLocal also covers Africa, Latin America and 1 more; only PayPay offers Startup Friendly.
Which is cheaper, PayPay or dLocal?
PayPay has published rates from From 1.6% 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 PayPay and dLocal?
PayPay lists 1 region 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 PayPay and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; PayPay settles in Next business day, 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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