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Razorpay

Razorpay

Indian Startups

VS

dLocal

Emerging Markets

dLocal
Fees from
2% + GST vs 3-7% all-inclusive
Features

1 shared

3 unique to Razorpay · 1 unique to dLocal
Regions

1 shared

3 unique to dLocal
Pay methods

5 shared

6 unique to Razorpay · 5 unique to dLocal
On licensing

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Show full specs
5 features · 16 payment methods · 4 regions. We don't rank these — they're here for reference.
Razorpay Razorpay
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
2% + GST
3-7% all-inclusive
Settlement
Time to receive funds
Instant to 3 business days
2–7 business days
Founded
2014
2016
Headquarters
Bangalore, India
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Razorpay leads (4 vs 2)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Razorpay leads (11 vs 10)
Amex
✓
✓
Bank Transfer
✓
✓
Bnpl Unique
✓
—
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet
✓
✓
Diners Unique
✓
—
Google Pay Unique
✓
—
Mastercard
✓
✓
Mobile Wallet Unique
✓
—
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Rupay Unique
✓
—
Upi Unique
✓
—
Visa
✓
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓

Razorpay is best when you...

Indian Startups
Need Instant Sandbox
Not available with dLocal
Need Recurring Payments
Not available with dLocal
View Razorpay

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Razorpay and dLocal?
They share 5 payment methods and 1 region. Razorpay adds Buy Now Pay Later, Diners Club, Google Pay and 3 more that dLocal does not list; dLocal adds Boleto, Cash, OXXO and 2 more that Razorpay does not list; dLocal also covers Africa, Latin America and 1 more; only Razorpay offers Instant Sandbox, Recurring Payments and 1 more.
Which is cheaper, Razorpay or dLocal?
Razorpay has published rates from 2% + GST; 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 Razorpay and dLocal?
Razorpay lists 1 region and 11 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 Razorpay and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; Razorpay settles in Instant to 3 business days, dLocal in 2–7 business days.

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