Discover the differences between local Latin American payment service providers. Between dLocal vs EBANX, which is right for you?

Merchants looking to make cross-border sales in Latin America need to fully understand the market. 40% of online purchases in Argentina are paid for in cash, only 27% of Brazilian consumers have credit cards and only 37% of the Mexican population have a bank account (McKinsey).

This means you need to offer your global customers a wide array of payment options, especially in Latin America where many consumers are underbanked or prefer alternative payment methods. 

The question is, between dLocal vs EBANX, which of these two local Latin American payment service providers is better for your business? 

What is dLocal?

dLocal is a payment processing platform that offers solutions for payments and payouts. They are based in Uruguay and serve global merchants and consumers in emerging markets primarily in Latin America.

What is EBANX?

EBANX is a Brazilian payment gateway that also serves global merchants of all sizes, connecting them with local consumers in Latin America. They offer a greater array of services than dLocal, providing assistance with payments and payouts and help with recurring payments, billing, and localization consulting.

Cost and Pricing: dLocal vs EBANX

dLocal Pricing

dLocal’s charges for merchants are all-inclusive, and range between 2.7% and 7%. Merchants must be careful and understand exactly how much they will be charged within this wide range to understand whether dLocal’s pricing is affordable for their needs. They do not offer a free or trial version of their product.

EBANX Pricing

EBANX charges a set percentage of 2.7%+ 30¢ per transaction. They have competitive pricing relative to other payment gateways with similar features. They also do not offer a free or trial version of their product.

Merchant Experience: dLocal vs EBANX

In terms of the merchant experience, dlocal and EBANX come close in terms of their payment processing speed. dLocal can take one to two business days to process payments, while EBANX takes three business days or less.

Both EBANX and dlocal offer customizable checkouts. This lets merchants customize the checkout page to fit their own website and business branding, leading to a more seamless checkout experience for customers. EBANX also differentiates itself through their marketing consultancy services to its merchant customers.

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Customer Support: dLocal vs EBANX

Customer support from dLocal consists of a customer service portal with online help documents, plus an email address for US contacts, and phone numbers for users in Brazil, Colombia, Chile, Mexico, and Peru. EBANX also has a comprehensive Online Help Center, as well as telephone and email support from a 24/7 customer support team.

Cross-Border Payments: dLocal vs EBANX

dLocal supports 20 countries (in the LATAM, APAC and EMEA regions). 

What Countries Does dlocal Support?


  • Argentina
  • Bolivia
  • Brazil
  • Chile
  • Colombia
  • Costa Rica
  • Dominican Republic
  • Ecuador
  • Mexico
  • Panama
  • Paraguay
  • Peru
  • Uruguay


  • China
  • Bangladesh
  • India
  • Indonesia
  • Malaysia
  • Turkey
  • Philippines
  • Vietnam


  • Cameroon
  • Egypt
  • Ghana
  • Morocco
  • Nigeria
  • Kenya
  • Senegal
  • South Africa

What Countries Does EBANX Support?

EBANX supports 15 LATAM countries. What countries does EBANX support?

  • Argentina
  • Bolivia
  • Brazil
  • Central America
  • Chile
  • Colombia
  • Ecuador
  • Mexico
  • Paraguay
  • Peru
  • Uruguay

dLocal Pros and Cons 


  • Accepts cash/voucher payments
  • Fast settlement of transactions
  • Many more countries and regions supported


  • Varying transaction charges
  • Pricing affordability depends on which regions and services you choose 

dLocal payments are supported for the following payment methods:

  • Local and International Card Transactions
  • Monthly Installments Payments
  • Internet Bank Transfers
  • Direct Bank Transfers
  • E-Wallets
  • Cash and Voucher Payments

EBANX Pros and Cons


  • Standard charge per transaction
  • Customizable checkout
  • More services for merchants


  • Somewhat slower settlement
  • Fewer supported countries

EBANX payments are supported for the following payment methods:

  • Local and International Credit and Debit Cards
  • Cash/Voucher Payment
  • Digital Wallets
  • Bank Transfer and Online Alternatives

Want a Payment Processing Solution for Latin America that’s Better than EBANX and dLocal? 

Being successful in global ecommerce often means having the right payment processing solution. EBANX and dLocal both offer many features, but why if there’s a better solution for payment processing in Latin America?

With Rapyd Collect, you can access more payment methods globally like cards, eWallets, bank transfers, and cash payments. Rapyd provides next-day settlement and robust fraud protection too. Learn why we’re the world’s largest local payments network.

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McKinsey. The 2020 McKinsey Global Payments Report.

Photo by Kindel Media for Pexels

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