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Adyen vs dLocal
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Onboards businesses in United States
Adyen
AvailabledLocal
AvailableAccept payments
Adyen
Enterprise acquiring with local payment methods across most major markets, online and in person.dLocal
One integration for local methods such as Pix, OXXO, UPI and M-Pesa in 40+ emerging markets.Pay people abroad
Adyen
Pay out to sellers and users through Adyen for Platforms.dLocal
Payouts to bank accounts and wallets across emerging markets.Multi-currency account
Adyen
Business accounts for platform users in selected markets.dLocal
Not offeredBusiness cards
Adyen
Card issuing for platforms and businesses.dLocal
Not offeredStablecoins
Adyen
Not offereddLocal
Not offeredYield on idle cash
Adyen
Not offereddLocal
Not offeredYield on idle cash
A return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.
Where the return comes from
Adyen
No yield offereddLocal
No yield offeredIs the money protected?
Adyen
–dLocal
–Does the rate change?
Adyen
–dLocal
–Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Adyen
YesAdyen for Platforms: account holders and legal entities, with hosted or API onboarding and Adyen doing KYC.dLocal
YesOnboard sellers, service providers or contractors; dLocal verifies them before paying out.Split payments and platform fees
Adyen
YesSplit each payment between users and take platform commission.dLocal
PartlyMarketplace flows for paying multiple parties.Embeddable UI
Adyen
YesHosted onboarding and embeddable components for users.dLocal
Not confirmedNot confirmed.Pay out to your users
Adyen
YesPayouts to users’ bank accounts, or into Adyen business accounts.dLocal
YesPayouts to bank accounts and wallets across emerging markets.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Adyen
PartlyBusiness accounts with account numbers in BE, DE, ES, FR, GB, NL and the US. Adyen says the feature is still in development.dLocal
NoNot offered.Cards for your users
Adyen
YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US.dLocal
NoNot offered.Financing for your users
Adyen
YesCapital for platform users in Europe, the UK, Australia and the US.dLocal
NoNot offered.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Adyen
NoAccount holders are organisations and sole proprietors, not consumers.dLocal
PartlyPayouts to individuals; no accounts held for them.Consumer wallets or accounts
Adyen
NoBusiness accounts only.dLocal
NoNot offered.Consumer cards
Adyen
NoCards serve platforms and their business users, for example payout cards for marketplace sellers.dLocal
NoNot offered.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Adyen
NoNo stablecoin product found in public materials.dLocal
Not confirmedNot confirmed.Hold stablecoin balances
Adyen
NoNo stablecoin product found in public materials.dLocal
Not confirmedNot confirmed.Pay out in stablecoins
Adyen
NoNo stablecoin product found in public materials.dLocal
Not confirmedNot confirmed.Issue your own stablecoin
Adyen
NoNo stablecoin product found in public materials.dLocal
NoNo stablecoin product found in public materials.Regulatory risk in United States
Adyen
No stablecoin productsdLocal
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Adyen
Not confirmedNo official MCP server found; only community-built ones.dLocal
PartlyOfficial MCP server for integration docs inside AI coding tools; payment tools exist only in community servers.Checkout for AI agents
Adyen
YesWorks as the payment provider behind Agentic Commerce Protocol checkouts, with gaps for CVC re-entry and network tokens. Also backs Google’s AP2 and the Universal Commerce Protocol.dLocal
Not confirmedNo agent checkout protocol support confirmed.Cards for AI agents
Adyen
Not confirmedNot found in public materials.dLocal
NoNot offered.Working with them
How easy it is to get started.
Self-serve signup
Adyen
PartlyMost businesses go through Adyen’s sales team.dLocal
NoEnterprise sales.Published pricing
Adyen
PartlyPer-transaction fees by payment method are published; overall terms are negotiated.dLocal
NoNegotiated.Public API and sandbox
Adyen
YesPublic API and test environment.dLocal
YesPublic docs and sandbox.In short
Countries onboarded
Adyen
43 of 170dLocal
65 of 170Designed for
Adyen
High-volume merchants that want local acquiring and one contract across many regions.dLocal
Global companies selling to customers in Latin America, Africa and Asia that cannot set up local entities.Limitations
Adyen
Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.dLocal
Works with enterprise merchants, usually alongside a primary processor.| Adyen Payment processor | dLocal Emerging markets | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Enterprise acquiring with local payment methods across most major markets, online and in person. | One integration for local methods such as Pix, OXXO, UPI and M-Pesa in 40+ emerging markets. |
| Pay people abroad | Pay out to sellers and users through Adyen for Platforms. | Payouts to bank accounts and wallets across emerging markets. |
| Multi-currency account | Business accounts for platform users in selected markets. | Not offered |
| Business cards | Card issuing for platforms and businesses. | Not offered |
| Stablecoins | Not offered | Not offered |
| Yield on idle cash | Not offered | Not offered |
| Yield on idle cashA return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is. | ||
| Where the return comes from | No yield offered | No yield offered |
| Is the money protected? | – | – |
| Does the rate change? | – | – |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | YesAdyen for Platforms: account holders and legal entities, with hosted or API onboarding and Adyen doing KYC. | YesOnboard sellers, service providers or contractors; dLocal verifies them before paying out. |
| Split payments and platform fees | YesSplit each payment between users and take platform commission. | PartlyMarketplace flows for paying multiple parties. |
| Embeddable UI | YesHosted onboarding and embeddable components for users. | Not confirmedNot confirmed. |
| Pay out to your users | YesPayouts to users’ bank accounts, or into Adyen business accounts. | YesPayouts to bank accounts and wallets across emerging markets. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | PartlyBusiness accounts with account numbers in BE, DE, ES, FR, GB, NL and the US. Adyen says the feature is still in development. | NoNot offered. |
| Cards for your users | YesVirtual and physical Visa and Mastercard cards for platform users in Europe, the UK and the US. | NoNot offered. |
| Financing for your users | YesCapital for platform users in Europe, the UK, Australia and the US. | NoNot offered. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | NoAccount holders are organisations and sole proprietors, not consumers. | PartlyPayouts to individuals; no accounts held for them. |
| Consumer wallets or accounts | NoBusiness accounts only. | NoNot offered. |
| Consumer cards | NoCards serve platforms and their business users, for example payout cards for marketplace sellers. | NoNot offered. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | NoNo stablecoin product found in public materials. | Not confirmedNot confirmed. |
| Hold stablecoin balances | NoNo stablecoin product found in public materials. | Not confirmedNot confirmed. |
| Pay out in stablecoins | NoNo stablecoin product found in public materials. | Not confirmedNot confirmed. |
| Issue your own stablecoin | NoNo stablecoin product found in public materials. | NoNo stablecoin product found in public materials. |
| Regulatory risk in United States | No stablecoin products | No stablecoin products |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | Not confirmedNo official MCP server found; only community-built ones. | PartlyOfficial MCP server for integration docs inside AI coding tools; payment tools exist only in community servers. |
| Checkout for AI agents | YesWorks as the payment provider behind Agentic Commerce Protocol checkouts, with gaps for CVC re-entry and network tokens. Also backs Google’s AP2 and the Universal Commerce Protocol. | Not confirmedNo agent checkout protocol support confirmed. |
| Cards for AI agents | Not confirmedNot found in public materials. | NoNot offered. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | PartlyMost businesses go through Adyen’s sales team. | NoEnterprise sales. |
| Published pricing | PartlyPer-transaction fees by payment method are published; overall terms are negotiated. | NoNegotiated. |
| Public API and sandbox | YesPublic API and test environment. | YesPublic docs and sandbox. |
| In short | ||
| Countries onboarded | 43 of 170 | 65 of 170 |
| Designed for | High-volume merchants that want local acquiring and one contract across many regions. | Global companies selling to customers in Latin America, Africa and Asia that cannot set up local entities. |
| Limitations | Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses. | Works with enterprise merchants, usually alongside a primary processor. |
Common questions
Is Adyen or dLocal available in more countries?
dLocal. Of the 170 countries we track, Adyen onboards businesses in 43 and dLocal in 65. Both serve businesses in 43. Only dLocal: Argentina, Colombia, Chile, Peru, Saudi Arabia, Israel, Turkey, Egypt, Nigeria, Kenya, South Africa, Ghana and 10 more.
What do Adyen and dLocal offer?
Accept payments: Adyen yes, dLocal yes. Pay people abroad: Adyen yes, dLocal yes. Multi-currency account: Adyen yes, dLocal no. Business cards: Adyen yes, dLocal no. Stablecoins: Adyen no, dLocal no. Yield on idle cash: Adyen no, dLocal no.
How do Adyen and dLocal differ for platforms and embedded finance?
Split payments and platform fees: Adyen yes, dLocal partly. Embeddable UI: Adyen yes, dLocal not confirmed. Accounts that hold money: Adyen partly, dLocal no. Cards for your users: Adyen yes, dLocal no. Financing for your users: Adyen yes, dLocal no. End users can be individuals: Adyen no, dLocal partly. Accept stablecoins: Adyen no, dLocal not confirmed. Hold stablecoin balances: Adyen no, dLocal not confirmed. Pay out in stablecoins: Adyen no, dLocal not confirmed. Official MCP server: Adyen not confirmed, dLocal partly. Checkout for AI agents: Adyen yes, dLocal not confirmed. Cards for AI agents: Adyen not confirmed, dLocal no.
Who is Adyen designed for?
High-volume merchants that want local acquiring and one contract across many regions. Limitations: Onboarding goes through Adyen’s sales team, and the service is aimed at larger businesses.
Who is dLocal designed for?
Global companies selling to customers in Latin America, Africa and Asia that cannot set up local entities. Limitations: Works with enterprise merchants, usually alongside a primary processor.
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