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Square

Square

Retail & Restaurants

VS

dLocal

Emerging Markets

dLocal
Fees from
2.6% + $0.10 (in-person), 2.9% + $0.30 (online) vs 3-7% all-inclusive
Features

1 shared

3 unique to Square · 1 unique to dLocal
Regions

1 shared

3 unique to Square · 3 unique to dLocal
Pay methods

5 shared

7 unique to Square · 5 unique to dLocal

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5 features · 17 payment methods · 7 regions. We don't rank these — they're here for reference.
Square Square
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
2.6% + $0.10 (in-person), 2.9% + $0.30 (online)
3-7% all-inclusive
Settlement
Time to receive funds
1–2 business days
2–7 business days
Founded
2009
2016
Headquarters
San Francisco, California
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Square leads (4 vs 2)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Square leads (12 vs 10)
Ach Unique
✓
—
Amex
✓
✓
Apple Pay Unique
✓
—
Bank Transfer Unique
—
✓
Boleto Unique
—
✓
Cash
✓
✓
Digital Wallet
✓
✓
Diners Unique
✓
—
Discover Unique
✓
—
Gift Card Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Mastercard
✓
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Visa
✓
✓
Regions
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Oceania Unique
✓
—

Square is best when you...

Retail & Restaurants
Need Instant Sandbox
Not available with dLocal
Need Recurring Payments
Not available with dLocal
Want coverage in Europe, North America, Oceania
dLocal doesn't cover these regions
View Square

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Square and dLocal?
They share 5 payment methods and 1 region. Square adds ACH, Apple Pay, Diners Club and 4 more that dLocal does not list; dLocal adds Bank Transfer, Boleto, OXXO and 2 more that Square does not list; Square also covers Europe, North America and 1 more; dLocal also covers Africa, Latin America and 1 more.
Which is cheaper, Square or dLocal?
Square has published rates from 2.6% + $0.10 (in-person), 2.9% + $0.30 (online); 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 Square and dLocal?
Square lists 4 regions and 12 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 Square and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; Square settles in 1–2 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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