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S

Sepaga

VS

dLocal

Emerging Markets

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

0 shared

2 unique to dLocal
Regions

0 shared

1 unique to Sepaga · 4 unique to dLocal
Pay methods

2 shared

2 unique to Sepaga · 8 unique to dLocal
On payment methods

dLocal supports 10 payment methods, 6 more than Sepaga. Verify directly with each provider before signing.

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2 features · 12 payment methods · 5 regions. We don't rank these — they're here for reference.
Sepaga
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Custom
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
—
2016
Headquarters
Nicosia, Cyprus
Montevideo, Uruguay
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
dLocal leads (2 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Payment Methods
dLocal leads (10 vs 4)
Amex Unique
—
✓
Bank Transfer Unique
—
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard
✓
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Sepa Unique
✓
—
Swift Unique
✓
—
Visa
✓
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓

Sepaga is best when you...

Want coverage in Europe
dLocal doesn't cover this region
View Sepaga

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Sepaga and dLocal?
They share 2 payment methods and 0 regions. Sepaga adds SEPA, SWIFT that dLocal does not list; dLocal adds Amex, Bank Transfer, Boleto and 5 more that Sepaga does not list; Sepaga also covers Europe; dLocal also covers Africa, Asia and 2 more.
Which is cheaper, Sepaga or dLocal?
Sepaga 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 Sepaga and dLocal?
Sepaga lists 1 region and 4 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 Sepaga and dLocal compare on integration and settlement?
dLocal offers a sandbox, Sepaga does not list one; dLocal supports 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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