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UnionPay

UnionPay

Chinese customers

VS

dLocal

Emerging Markets

dLocal
Fees from
0.8% vs 3-7% all-inclusive
Features

1 shared

1 unique to dLocal
Regions

1 shared

3 unique to UnionPay · 3 unique to dLocal
Pay methods

3 shared

6 unique to UnionPay · 7 unique to dLocal
On fees

UnionPay publishes 0.8% from. dLocal publishes 3-7% all-inclusive from. Verify directly with each provider before signing.

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Show full specs
2 features · 16 payment methods · 7 regions. We don't rank these — they're here for reference.
UnionPay UnionPay
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
0.8%
3-7% all-inclusive
Settlement
Time to receive funds
1–3 business days
2–7 business days
Founded
2002
2016
Headquarters
Shanghai, China
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
dLocal leads (2 vs 1)
Enterprise
✓
✓
Instant Payout Unique
—
✓
Payment Methods
dLocal leads (10 vs 9)
Amex
✓
✓
Bank Transfer Unique
—
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Contactless Unique
✓
—
Digital Wallet Unique
—
✓
Diners Unique
✓
—
Jcb Unique
✓
—
Mastercard
✓
✓
Mobile Payment Unique
✓
—
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Qr Code Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Regions
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Oceania Unique
✓
—

UnionPay is best when you...

Chinese customers
Want coverage in Europe, North America, Oceania
dLocal doesn't cover these regions
View UnionPay

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between UnionPay and dLocal?
They share 3 payment methods and 1 region. UnionPay adds Contactless, Diners Club, JCB and 3 more that dLocal does not list; dLocal adds Bank Transfer, Boleto, Cash and 4 more that UnionPay does not list; UnionPay also covers Europe, North America and 1 more; dLocal also covers Africa, Latin America and 1 more.
Which is cheaper, UnionPay or dLocal?
UnionPay has published rates from 0.8%; 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 UnionPay and dLocal?
UnionPay lists 4 regions and 9 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 UnionPay and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; UnionPay settles in 1–3 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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