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SiTef (Software Express)

SiTef (Software Express)

Brazilian Payment Middleware

VS

dLocal

Emerging Markets

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

1 shared

1 unique to dLocal
Regions

1 shared

3 unique to dLocal
Pay methods

5 shared

1 unique to SiTef (Software Express) · 5 unique to dLocal
On payment methods

dLocal supports 10 payment methods, 4 more than SiTef (Software Express). Verify directly with each provider before signing.

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2 features · 11 payment methods · 4 regions. We don't rank these — they're here for reference.
SiTef (Software Express) SiTef (Software Express)
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Custom
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
1995
2016
Headquarters
Brazil
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
dLocal leads (2 vs 1)
Enterprise
✓
✓
Instant Payout Unique
—
✓
Payment Methods
dLocal leads (10 vs 6)
Amex
✓
✓
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard
✓
✓
Oxxo Unique
—
✓
Pix
✓
✓
Pos Unique
✓
—
Pse Unique
—
✓
Visa
✓
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Latin America
✓
✓
Middle East Unique
—
✓

SiTef (Software Express) is best when you...

Brazilian Payment Middleware
View SiTef (Software Express)

dLocal is best when you...

Emerging Markets
Need Instant Payout
Not available with SiTef (Software Express)
Want coverage in Africa, Asia, Middle East
SiTef (Software Express) doesn't cover these regions
View dLocal

Frequently Asked Questions

What is the difference between SiTef (Software Express) and dLocal?
They share 5 payment methods and 1 region. SiTef (Software Express) adds POS that dLocal does not list; dLocal adds Boleto, Cash, Digital Wallet and 2 more that SiTef (Software Express) does not list; dLocal also covers Africa, Asia and 1 more; only dLocal offers Instant Payout.
Which is cheaper, SiTef (Software Express) or dLocal?
SiTef (Software Express) 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 SiTef (Software Express) and dLocal?
SiTef (Software Express) lists 1 region and 6 payment methods; dLocal lists 4 and 10. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SiTef (Software Express) and dLocal compare on integration and settlement?
both offer a sandbox; both support 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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