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Zevoy

Zevoy

Companies in Finland and other served European markets that want employee Visa company cards, subscription cards and benefit cards with expense automation, plus Finnish benefit service providers that want to accept Zevoy Benefit cards without paying Zevoy fees.

VS

dLocal

Emerging Markets

dLocal
Fees from
Monthly fees: Cardholder fee €10; Subscription card (per card) €2.50; Active claims user fee €5; Minimum service fee €10. Card and transaction fees: Cash withdrawal fee €5; Replacement of physical card fee €25; Currency exchange fee 2.25%; Zevoy Lunch 1.5%; Zevoy Culture & Exercise 3.9%; Zevoy Transport 3.9%; Zevoy Wellness 3.9%; Zevoy Massage 3.9% (benefit fees starting 1.1.2026). Administrative fees: Onboarding fee (one-time) €500; Personal invoice (per invoice) €1; Chargeback processing €25; Transaction investigation €50; Non-domestic card delivery €20; Inactivity fee €100; Redemption fee for prepaid funds €20; Credit increase €100. Merchants accepting Zevoy Benefit cards: Zevoy does not charge any fees on payments you receive from Zevoy Benefit cards. vs 3-7% all-inclusive
Features

0 shared

2 unique to dLocal
Regions

0 shared

4 unique to dLocal
Pay methods

1 shared

5 unique to Zevoy · 9 unique to dLocal
On fees

Zevoy publishes Monthly fees: Cardholder fee €10; Subscription card (per card) €2.50; Active claims user fee €5; Minimum service fee €10. Card and transaction fees: Cash withdrawal fee €5; Replacement of physical card fee €25; Currency exchange fee 2.25%; Zevoy Lunch 1.5%; Zevoy Culture & Exercise 3.9%; Zevoy Transport 3.9%; Zevoy Wellness 3.9%; Zevoy Massage 3.9% (benefit fees starting 1.1.2026). Administrative fees: Onboarding fee (one-time) €500; Personal invoice (per invoice) €1; Chargeback processing €25; Transaction investigation €50; Non-domestic card delivery €20; Inactivity fee €100; Redemption fee for prepaid funds €20; Credit increase €100. Merchants accepting Zevoy Benefit cards: Zevoy does not charge any fees on payments you receive from Zevoy Benefit cards. from. dLocal publishes 3-7% all-inclusive from. Verify directly with each provider before signing.

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Show full specs
2 features · 15 payment methods · 4 regions. We don't rank these — they're here for reference.
Zevoy Zevoy
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Monthly fees: Cardholder fee €10; Subscription card (per card) €2.50; Active claims user fee €5; Minimum service fee €10. Card and transaction fees: Cash withdrawal fee €5; Replacement of physical card fee €25; Currency exchange fee 2.25%; Zevoy Lunch 1.5%; Zevoy Culture & Exercise 3.9%; Zevoy Transport 3.9%; Zevoy Wellness 3.9%; Zevoy Massage 3.9% (benefit fees starting 1.1.2026). Administrative fees: Onboarding fee (one-time) €500; Personal invoice (per invoice) €1; Chargeback processing €25; Transaction investigation €50; Non-domestic card delivery €20; Inactivity fee €100; Redemption fee for prepaid funds €20; Credit increase €100. Merchants accepting Zevoy Benefit cards: Zevoy does not charge any fees on payments you receive from Zevoy Benefit cards.
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
—
2016
Headquarters
—
Montevideo, Uruguay
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
dLocal leads (2 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Payment Methods
dLocal leads (10 vs 6)
Amex Unique
—
✓
Apple Pay Unique
✓
—
Bank Transfer Unique
—
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Corporate Card Unique
✓
—
Digital Wallet Unique
—
✓
Google Pay Unique
✓
—
Mastercard Unique
—
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Prepaid Card Unique
✓
—
Pse Unique
—
✓
Virtual Card Unique
✓
—
Visa
✓
✓
Regions
dLocal leads (4 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓

Zevoy is best when you...

Companies in Finland and other served European markets that want employee Visa company cards, subscription cards and benefit cards with expense automation, plus Finnish benefit service providers that want to accept Zevoy Benefit cards without paying Zevoy fees.
View Zevoy

dLocal is best when you...

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

Frequently Asked Questions

What is the difference between Zevoy and dLocal?
They share 1 payment method and 0 regions. Zevoy adds Apple Pay, Corporate Card, Google Pay and 2 more that dLocal does not list; dLocal adds Amex, Bank Transfer, Boleto and 6 more that Zevoy does not list; dLocal also covers Africa, Asia and 2 more; only dLocal offers Enterprise, Instant Payout.
Which is cheaper, Zevoy or dLocal?
Zevoy has published rates from Monthly fees: Cardholder fee €10; Subscription card (per card) €2.50; Active claims user fee €5; Minimum service fee €10. Card and transaction fees: Cash withdrawal fee €5; Replacement of physical card fee €25; Currency exchange fee 2.25%; Zevoy Lunch 1.5%; Zevoy Culture & Exercise 3.9%; Zevoy Transport 3.9%; Zevoy Wellness 3.9%; Zevoy Massage 3.9% (benefit fees starting 1.1.2026). Administrative fees: Onboarding fee (one-time) €500; Personal invoice (per invoice) €1; Chargeback processing €25; Transaction investigation €50; Non-domestic card delivery €20; Inactivity fee €100; Redemption fee for prepaid funds €20; Credit increase €100. Merchants accepting Zevoy Benefit cards: Zevoy does not charge any fees on payments you receive from Zevoy Benefit cards.; 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 Zevoy and dLocal?
Zevoy lists 0 regions and 6 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 Zevoy and dLocal compare on integration and settlement?
dLocal offers a sandbox, Zevoy does not list one; dLocal supports webhooks; dLocal publishes a settlement time of 2–7 business days.

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