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Ratepay

Ratepay

German BNPL Payments

VS

dLocal

Emerging Markets

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

1 shared

1 unique to Ratepay · 1 unique to dLocal
Regions

0 shared

1 unique to Ratepay · 4 unique to dLocal
Pay methods

0 shared

5 unique to Ratepay · 10 unique to dLocal
On fees

Ratepay uses custom pricing, quoted on engagement. dLocal publishes 3-7% all-inclusive from. Verify directly with each provider before signing.

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3 features · 15 payment methods · 5 regions. We don't rank these — they're here for reference.
Ratepay Ratepay
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Custom
3-7% all-inclusive
Settlement
Time to receive funds
2–3 business days
2–7 business days
Founded
2009
2016
Headquarters
Berlin, Germany
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise
✓
✓
Instant Payout Unique
—
✓
Recurring Payments Unique
✓
—
Payment Methods
dLocal leads (10 vs 5)
Amex Unique
—
✓
Bank Transfer Unique
—
✓
Bnpl Unique
✓
—
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Direct Debit Unique
✓
—
Installments Unique
✓
—
Invoice Unique
✓
—
Mastercard Unique
—
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Sepa Unique
✓
—
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓

Ratepay is best when you...

German BNPL Payments
Need Recurring Payments
Not available with dLocal
Want coverage in Europe
dLocal doesn't cover this region
View Ratepay

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Ratepay and dLocal?
They share 0 payment methods and 0 regions. Ratepay adds Buy Now Pay Later, Direct Debit, Installments and 2 more that dLocal does not list; dLocal adds Amex, Bank Transfer, Boleto and 7 more that Ratepay does not list; Ratepay also covers Europe; dLocal also covers Africa, Asia and 2 more.
Which is cheaper, Ratepay or dLocal?
Ratepay 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 Ratepay and dLocal?
Ratepay lists 1 region and 5 payment methods; dLocal lists 4 and 10. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Ratepay and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; Ratepay settles in 2–3 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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