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Shine

Shine

Freelancers, very small businesses and SMEs in France that want an online business account with a French IBAN, Mastercard cards, invoicing and bookkeeping tools.

VS

dLocal

Emerging Markets

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

0 shared

2 unique to dLocal
Regions

0 shared

4 unique to dLocal
Pay methods

3 shared

5 unique to Shine · 7 unique to dLocal
On region

dLocal covers 4 regions; Shine covers 0. Verify directly with each provider before signing.

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Show full specs
2 features · 15 payment methods · 4 regions. We don't rank these — they're here for reference.
Shine Shine
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
—
Montevideo, Uruguay
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
dLocal leads (2 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Payment Methods
dLocal leads (10 vs 8)
Amex Unique
—
✓
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash
✓
✓
Check Unique
✓
—
Digital Wallet Unique
—
✓
Mastercard
✓
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Sepa Unique
✓
—
Sepa Instant Unique
✓
—
Swift Unique
✓
—
Visa Unique
—
✓
Wire Transfer Unique
✓
—
Regions
dLocal leads (4 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓

Shine is best when you...

Freelancers, very small businesses and SMEs in France that want an online business account with a French IBAN, Mastercard cards, invoicing and bookkeeping tools.
View Shine

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Shine and dLocal?
They share 3 payment methods and 0 regions. Shine adds Check, SEPA, SEPA Instant and 2 more that dLocal does not list; dLocal adds Amex, Boleto, Digital Wallet and 4 more that Shine does not list; dLocal also covers Africa, Asia and 2 more; only dLocal offers Enterprise, Instant Payout.
Which is cheaper, Shine or dLocal?
Shine 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 Shine and dLocal?
Shine lists 0 regions and 8 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 Shine and dLocal compare on integration and settlement?
dLocal offers a sandbox, Shine 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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