Question 1

Why do businesses look for dLocal alternatives?

Accepted Answer

Many teams consider dLocal alternatives to optimize total payment costs, improve approval rates, or expand into additional markets. Others need different payout workflows, more configurable risk controls, or better reporting and reconciliation. Support responsiveness and onboarding timelines can also be deciding factors.

Question 2

What features should I look for in a dLocal alternative for cross-border payments?

Accepted Answer

Prioritize country coverage, local payment methods, and predictable settlement times. Review multi-currency pricing, FX transparency, and support for refunds, partial captures, and chargebacks. Strong APIs, webhooks, and clear reconciliation reports are essential for scaling operations.

Question 3

How can I compare pricing across dLocal alternatives?

Accepted Answer

Compare more than headline processing rates by modeling your real mix of countries, currencies, and payment methods. Include FX markups, payout fees, chargeback fees, minimums, and any setup or monthly platform charges. Ask for a full fee schedule and sample invoices for your expected volume.

Question 4

Do dLocal alternatives support payouts as well as payment acceptance?

Accepted Answer

Some providers focus on collections, while others offer both acceptance and payouts in one platform. Confirm payout destinations, speed options, and required compliance checks for recipients. Also verify whether payouts support bulk files, API-initiated transfers, and detailed payout reconciliation.

Question 5

What integration and developer considerations matter when switching from dLocal?

Accepted Answer

Check API completeness, SDK availability, webhook reliability, idempotency support, and sandbox quality. Make sure you can replicate key flows like tokenization, recurring billing, and refunds without major rework. Review monitoring tools, status pages, and migration support for a smooth cutover.

Question 6

How do I evaluate reliability and authorization rates when choosing dLocal alternatives?

Accepted Answer

Ask for corridor-specific performance data, including authorization rates by payment method and issuer, plus historical uptime. Evaluate how retries, routing, and fallbacks are handled for local rails. Running a pilot with your real traffic is often the best way to validate results.

Question 7

What compliance and security checks should I review for dLocal alternatives?

Accepted Answer

Confirm PCI scope, data encryption practices, and access controls, plus how KYC, KYB, and AML requirements are handled. Review dispute processes, fraud tooling, and audit logs. Ensure the provider can support your regulatory obligations in each target market.

Question 8

Are dLocal alternatives suitable for Pan-African businesses?

Accepted Answer

Yes, but suitability depends on which African countries you operate in and which local payment methods you must support. Validate settlement currencies, local rails coverage, and support for local cards, bank transfers, and mobile money where relevant. Also consider local support hours and compliance expertise for your footprint.

Top 149 Best dLocal Alternatives & Competitors (2026)

Alternatives to dLocal

AZA Finance

Crisscross

Verto

Klasha

CodeLnPay

Xente

Withcapera

Localpayment

Pilot Finance

Reasy

Plumter

Lync

Zilla

Zillawire

Fincra

Graph

Chimoney

Cedar Money

Cadanapay

Africhange

Juicyway

Multigate

Zynta

Startbutton

Frequently Asked Questions

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