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Tpay

Tpay

Simple payments

VS

dLocal

Emerging Markets

dLocal
Fees from
1.3-2.3% vs 3-7% all-inclusive
Features

0 shared

2 unique to Tpay · 2 unique to dLocal
Regions

0 shared

1 unique to Tpay · 4 unique to dLocal
Pay methods

3 shared

2 unique to Tpay · 7 unique to dLocal
On payment methods

dLocal supports 10 payment methods, 5 more than Tpay. Verify directly with each provider before signing.

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Show full specs
4 features · 12 payment methods · 5 regions. We don't rank these — they're here for reference.
Tpay Tpay
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
1.3-2.3%
3-7% all-inclusive
Settlement
Time to receive funds
1–2 business days
2–7 business days
Founded
2003
2016
Headquarters
Warsaw, Poland
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
dLocal leads (10 vs 5)
Amex Unique
—
✓
Bank Transfer
✓
✓
Blik Unique
✓
—
Boleto Unique
—
✓
Cash Unique
—
✓
Digital Wallet Unique
—
✓
Mastercard
✓
✓
Oxxo Unique
—
✓
Payment Link Unique
✓
—
Pix Unique
—
✓
Pse Unique
—
✓
Visa
✓
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓

Tpay is best when you...

Simple payments
Need Low Fees
Not available with dLocal
Need Startup Friendly
Not available with dLocal
Want coverage in Europe
dLocal doesn't cover this region
View Tpay

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Tpay and dLocal?
They share 3 payment methods and 0 regions. Tpay adds BLIK, Payment Link that dLocal does not list; dLocal adds Amex, Boleto, Cash and 4 more that Tpay does not list; Tpay also covers Europe; dLocal also covers Africa, Asia and 2 more.
Which is cheaper, Tpay or dLocal?
Tpay has published rates from 1.3-2.3%; 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 Tpay and dLocal?
Tpay lists 1 region and 5 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 Tpay and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; Tpay 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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