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Zai (formerly Assembly)

Zai (formerly Assembly)

Australian Payment Infrastructure

VS

dLocal

Emerging Markets

dLocal
Fees from
1.5%–2.8% + $0.3 vs 3-7% all-inclusive
Features

1 shared

1 unique to Zai (formerly Assembly) · 1 unique to dLocal
Regions

0 shared

1 unique to Zai (formerly Assembly) · 4 unique to dLocal
Pay methods

3 shared

2 unique to Zai (formerly Assembly) · 7 unique to dLocal
On region

dLocal covers 4 regions; Zai (formerly Assembly) covers 1. Verify directly with each provider before signing.

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Show full specs
3 features · 12 payment methods · 5 regions. We don't rank these — they're here for reference.
Zai (formerly Assembly) Zai (formerly Assembly)
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
1.5%–2.8% + $0.3
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2012
2016
Headquarters
Australia
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise
✓
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
✓
—
Payment Methods
dLocal leads (10 vs 5)
Amex Unique
—
✓
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Mastercard
✓
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Visa
✓
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Oceania Unique
✓
—

Zai (formerly Assembly) is best when you...

Australian Payment Infrastructure
Need Instant Sandbox
Not available with dLocal
Want coverage in Oceania
dLocal doesn't cover this region
View Zai (formerly Assembly)

dLocal is best when you...

Emerging Markets
Need Instant Payout
Not available with Zai (formerly Assembly)
Want coverage in Africa, Asia, Latin America, Middle East
Zai (formerly Assembly) doesn't cover these regions
View dLocal

Frequently Asked Questions

What is the difference between Zai (formerly Assembly) and dLocal?
They share 3 payment methods and 0 regions. Zai (formerly Assembly) adds Credit Card, Debit Card that dLocal does not list; dLocal adds Amex, Boleto, Cash and 4 more that Zai (formerly Assembly) does not list; Zai (formerly Assembly) also covers Oceania; dLocal also covers Africa, Asia and 2 more.
Which is cheaper, Zai (formerly Assembly) or dLocal?
Zai (formerly Assembly) has published rates from 1.5%–2.8% + $0.3; 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 Zai (formerly Assembly) and dLocal?
Zai (formerly Assembly) 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 Zai (formerly Assembly) 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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