Question 1

What is the difference between dLocal and Mercado Pago?

Accepted Answer

dLocal covers 54 countries and Mercado Pago covers 7; they overlap in 7, with 47 served only by dLocal and 0 only by Mercado Pago. dLocal supports 99 payment methods and Mercado Pago 3, 3 of them in common. Neither publishes standard pricing — both quote fees per merchant.

Question 2

Which covers more countries, dLocal or Mercado Pago?

Accepted Answer

dLocal has more: dLocal covers 54 countries and Mercado Pago covers 7. Only dLocal serves Bahrain, Bangladesh, Bolivia, Cameroon, Chad, Congo (DRC) and 41 more.

Question 3

Does dLocal or Mercado Pago support more payment methods?

Accepted Answer

dLocal has more: 99 for dLocal against 3 for Mercado Pago, with 3 in common. Only dLocal offers 7-Eleven, AU Pay, Abitab, Airtel Money, AirtelTigo, Alipay and 90 more.

Question 4

Is dLocal cheaper than Mercado Pago?

Accepted Answer

dLocal quotes fees per merchant. Mercado Pago quotes fees per merchant. Which is cheaper depends on your payment methods, countries, volumes and risk profile, so compare quotes from both for your own mix.

Question 5

Can you use dLocal and Mercado Pago together?

Accepted Answer

Yes. Many merchants use more than one payment provider — to cover countries or payment methods only one of them offers, or as a backup if one has an outage. A payment orchestration platform can route each payment to whichever provider suits it best.

	dLocal	Mercado Pago
Type	Provider	Provider & method
Headquarters	Uruguay
Founded	2016
Part of
Countries covered	54	7
Payment methods	99	3
Currencies	47 — AED, ARS, BDT, BHD, BOB, BRL…	8 — AAVE, ARS, BRL, CLP, COP, MXN…
Pricing	On request	On request
Settlement	Configurable per merchant: automatic on a schedule or balance threshold, or on request
Regulators	Malta Financial Services Authority (MFSA), Financial Conduct Authority (FCA), FinCEN, Central Bank of Nigeria, Banco Central do Brasil, Banco de México / CNBV, Banco Central de la República Argentina (BCRA), South African Reserve Bank / PASA, Superintendencia de Banca, Seguros y AFP (SBS), Bangko Sentral ng Pilipinas, UAE financial regulator (authority not named in the announcement), Central Bank of the Republic of Türkiye
Categories	BNPL, Bank Transfer, Cards, Cash, Cross Border, Direct Debit, Gateway, Mobile / USSD, Voucher, Wallet	Bank Transfer, Cards
Industries	Crypto, Fintech, Gaming, Marketplace, Retail, SaaS, Travel, eCommerce	Cosmetics, Food & Drink, Healthcare, SaaS, eCommerce

dLocal vs Mercado Pago

dLocal and Mercado Pago at a glance

Countries

Only dLocal

Only Mercado Pago

Payment methods