Compare
dLocal vs EBANX
Side by side
Pick where your business is registered. Add up to two more providers.
Pick up to 4.
For a business registered in
Onboards businesses in United States
dLocal
AvailableEBANX
Not confirmedAccept payments
dLocal
One integration for local methods such as Pix, OXXO, UPI and M-Pesa in 40+ emerging markets.EBANX
Pay-ins from customers in 23 countries in Latin America, Africa and Asia through the Direct API, a hosted Payment Page and payment links, with cards, local transfers, cash vouchers, wallets, recurring payments and installments (installments in Argentina, Brazil and Mexico per the 2021 terms).Not confirmed for United States.Pay people abroad
dLocal
Payouts to bank accounts and wallets across emerging markets.EBANX
EBANX Payouts sends money to partners, suppliers, contractors and vendors in emerging markets by bank transfer and e-wallet. Cross-border payouts are funded in USD with no local entity needed; local payouts need local-currency funding and a local entity. Payout country guides exist for Argentina, Brazil, Chile, Colombia, Mexico and Peru.Not confirmed for United States.Multi-currency account
dLocal
Not offeredEBANX
Not offeredBusiness cards
dLocal
Not offeredEBANX
Not offeredStablecoins
dLocal
Not offeredEBANX
Customers can pay in USDC or USDT in Argentina, Brazil, Chile, Costa Rica, Guatemala, Mexico, Paraguay, Peru and Uruguay. Whether the merchant can be settled in stablecoin is not stated.Not confirmed for United States.Yield on idle cash
dLocal
Not offeredEBANX
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
dLocal
No yield offeredEBANX
No yield offeredIs the money protected?
dLocal
–EBANX
–Does the rate change?
dLocal
–EBANX
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
dLocal
dLocal does not publish pricing. It says it provides tailored commercial proposals and asks businesses to contact its team.EBANX
Not yet researchedWhat you can sell
From each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category.
Software and digital goods
dLocal
Not statedEBANX
Not yet researchedCrypto
dLocal
Not statedEBANX
Not yet researchedLending and financial services
dLocal
Not statedEBANX
Not yet researchedGambling
dLocal
Not statedEBANX
Not yet researchedAdult content
dLocal
Not statedEBANX
Not yet researchedDating
dLocal
Not statedEBANX
Not yet researchedFirearms and weapons
dLocal
Not statedEBANX
Not yet researchedCannabis and CBD
dLocal
Not statedEBANX
Not yet researchedSupplements
dLocal
Not statedEBANX
Not yet researchedPharmacy and telemedicine
dLocal
Not statedEBANX
Not yet researchedTravel
dLocal
Not statedEBANX
Not yet researchedMulti-level marketing
dLocal
Not statedEBANX
Not yet researchedFree-trial subscriptions
dLocal
Not statedEBANX
Not yet researchedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
dLocal
YesOnboard sellers, service providers or contractors; dLocal verifies them before paying out.EBANX
Not confirmedNot found in public materials (EBANX docs index, Oct 2026).Split payments and platform fees
dLocal
PartlyMarketplace flows for paying multiple parties.EBANX
Not confirmedNot found in public materials (EBANX docs index, Oct 2026).Embeddable UI
dLocal
Not confirmedNot confirmed.EBANX
Not confirmedEBANX offers a hosted Payment Page and the EBANX.js card-tokenisation library; embeddable white-label components were not found.Pay out to your users
dLocal
YesPayouts to bank accounts and wallets across emerging markets.EBANX
YesPayouts to bank accounts and e-wallets of partners, contractors, influencers and vendors in emerging markets.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
dLocal
NoNot offered.EBANX
Not confirmedNot found in public materials.Cards for your users
dLocal
NoNot offered.EBANX
Not confirmedNot found in public materials.Financing for your users
dLocal
NoNot offered.EBANX
Not confirmedNot found in public materials.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
dLocal
PartlyPayouts to individuals; no accounts held for them.EBANX
Not confirmedNot found in public materials.Consumer wallets or accounts
dLocal
NoNot offered.EBANX
Not confirmedNot found in public materials.Consumer cards
dLocal
NoNot offered.EBANX
Not confirmedNot found in public materials.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
dLocal
Not confirmedNot confirmed.EBANX
YesCustomers can pay in USDC or USDT in nine Latin American countries. The settlement currency for these payments is not stated.Hold stablecoin balances
dLocal
Not confirmedNot confirmed.EBANX
Not confirmedNot found in public materials.Pay out in stablecoins
dLocal
Not confirmedNot confirmed.EBANX
Not confirmedNot found in public materials.Issue your own stablecoin
dLocal
NoNo stablecoin product found in public materials.EBANX
Not confirmedNot found in public materials.Regulatory risk in United States
dLocal
No stablecoin productsEBANX
Not offered in United StatesAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
dLocal
PartlyOfficial MCP server for integration docs inside AI coding tools; payment tools exist only in community servers.EBANX
Not confirmedNo official MCP server found. EBANX publishes an llms.txt docs index, an integration prompt and 'Agent Skills' for AI coding assistants, which are not an MCP server.Checkout for AI agents
dLocal
Not confirmedNo agent checkout protocol support confirmed.EBANX
Not confirmedNot found in public materials.Cards for AI agents
dLocal
NoNot offered.EBANX
Not confirmedNot found in public materials.Working with them
How easy it is to get started.
Self-serve signup
dLocal
NoEnterprise sales.EBANX
Not confirmedNot researched yet.Published pricing
dLocal
NoNegotiated.EBANX
Not confirmedNot researched yet.Public API and sandbox
dLocal
YesPublic docs and sandbox.EBANX
Not confirmedNot researched yet.In short
Countries onboarded
dLocal
17 of 170EBANX
4 of 170Designed for
dLocal
Global companies selling to customers in Latin America, Africa and Asia that cannot set up local entities.EBANX
Merchants based outside EBANX's pay-in countries that want to accept local payment methods in up to 23 emerging markets and be settled abroad.Limitations
dLocal
Works with enterprise merchants, usually alongside a primary processor.EBANX
EBANX does not publish which home countries merchants may be registered in, pricing is negotiated, and domestic (Local model) settlement is offered only in Brazil, Chile, Colombia and Mexico.| dLocal Emerging markets | EBANX Emerging markets | |
|---|---|---|
| Onboards businesses in United States | Available | Not confirmed |
| Accept payments | One integration for local methods such as Pix, OXXO, UPI and M-Pesa in 40+ emerging markets. | Pay-ins from customers in 23 countries in Latin America, Africa and Asia through the Direct API, a hosted Payment Page and payment links, with cards, local transfers, cash vouchers, wallets, recurring payments and installments (installments in Argentina, Brazil and Mexico per the 2021 terms).Not confirmed for United States. |
| Pay people abroad | Payouts to bank accounts and wallets across emerging markets. | EBANX Payouts sends money to partners, suppliers, contractors and vendors in emerging markets by bank transfer and e-wallet. Cross-border payouts are funded in USD with no local entity needed; local payouts need local-currency funding and a local entity. Payout country guides exist for Argentina, Brazil, Chile, Colombia, Mexico and Peru.Not confirmed for United States. |
| Multi-currency account | Not offered | Not offered |
| Business cards | Not offered | Not offered |
| Stablecoins | Not offered | Customers can pay in USDC or USDT in Argentina, Brazil, Chile, Costa Rica, Guatemala, Mexico, Paraguay, Peru and Uruguay. Whether the merchant can be settled in stablecoin is not stated.Not confirmed for United States. |
| 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? | – | – |
| FeesPublished prices only, with the date we read them. Many providers negotiate prices instead. | ||
| How pricing works | dLocal does not publish pricing. It says it provides tailored commercial proposals and asks businesses to contact its team. | Not yet researched |
| Published prices | Pricing (all): Not published: tailored commercial proposals on request | – |
| What you can sellFrom each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category. | ||
| Software and digital goods | Not stated | Not yet researched |
| Crypto | Not stated | Not yet researched |
| Lending and financial services | Not stated | Not yet researched |
| Gambling | Not stated | Not yet researched |
| Adult content | Not stated | Not yet researched |
| Dating | Not stated | Not yet researched |
| Firearms and weapons | Not stated | Not yet researched |
| Cannabis and CBD | Not stated | Not yet researched |
| Supplements | Not stated | Not yet researched |
| Pharmacy and telemedicine | Not stated | Not yet researched |
| Travel | Not stated | Not yet researched |
| Multi-level marketing | Not stated | Not yet researched |
| Free-trial subscriptions | Not stated | Not yet researched |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | YesOnboard sellers, service providers or contractors; dLocal verifies them before paying out. | Not confirmedNot found in public materials (EBANX docs index, Oct 2026). |
| Split payments and platform fees | PartlyMarketplace flows for paying multiple parties. | Not confirmedNot found in public materials (EBANX docs index, Oct 2026). |
| Embeddable UI | Not confirmedNot confirmed. | Not confirmedEBANX offers a hosted Payment Page and the EBANX.js card-tokenisation library; embeddable white-label components were not found. |
| Pay out to your users | YesPayouts to bank accounts and wallets across emerging markets. | YesPayouts to bank accounts and e-wallets of partners, contractors, influencers and vendors in emerging markets. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | NoNot offered. | Not confirmedNot found in public materials. |
| Cards for your users | NoNot offered. | Not confirmedNot found in public materials. |
| Financing for your users | NoNot offered. | Not confirmedNot found in public materials. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | PartlyPayouts to individuals; no accounts held for them. | Not confirmedNot found in public materials. |
| Consumer wallets or accounts | NoNot offered. | Not confirmedNot found in public materials. |
| Consumer cards | NoNot offered. | Not confirmedNot found in public materials. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | Not confirmedNot confirmed. | YesCustomers can pay in USDC or USDT in nine Latin American countries. The settlement currency for these payments is not stated. |
| Hold stablecoin balances | Not confirmedNot confirmed. | Not confirmedNot found in public materials. |
| Pay out in stablecoins | Not confirmedNot confirmed. | Not confirmedNot found in public materials. |
| Issue your own stablecoin | NoNo stablecoin product found in public materials. | Not confirmedNot found in public materials. |
| Regulatory risk in United States | No stablecoin products | Not offered in United States |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | PartlyOfficial MCP server for integration docs inside AI coding tools; payment tools exist only in community servers. | Not confirmedNo official MCP server found. EBANX publishes an llms.txt docs index, an integration prompt and 'Agent Skills' for AI coding assistants, which are not an MCP server. |
| Checkout for AI agents | Not confirmedNo agent checkout protocol support confirmed. | Not confirmedNot found in public materials. |
| Cards for AI agents | NoNot offered. | Not confirmedNot found in public materials. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | NoEnterprise sales. | Not confirmedNot researched yet. |
| Published pricing | NoNegotiated. | Not confirmedNot researched yet. |
| Public API and sandbox | YesPublic docs and sandbox. | Not confirmedNot researched yet. |
| In short | ||
| Countries onboarded | 17 of 170 | 4 of 170 |
| Designed for | Global companies selling to customers in Latin America, Africa and Asia that cannot set up local entities. | Merchants based outside EBANX's pay-in countries that want to accept local payment methods in up to 23 emerging markets and be settled abroad. |
| Limitations | Works with enterprise merchants, usually alongside a primary processor. | EBANX does not publish which home countries merchants may be registered in, pricing is negotiated, and domestic (Local model) settlement is offered only in Brazil, Chile, Colombia and Mexico. |
Common questions
Is dLocal or EBANX available in more countries?
dLocal. Of the 170 countries we track, dLocal onboards businesses in 17 and EBANX in 4. Both serve businesses in 4. Only dLocal: United States, Argentina, Peru, Nigeria, Kenya, Indonesia, Malaysia, Bolivia, Costa Rica, Ecuador, Guatemala, Paraguay and 1 more.
What do dLocal and EBANX offer?
Accept payments: dLocal yes, EBANX yes. Pay people abroad: dLocal yes, EBANX yes. Multi-currency account: dLocal no, EBANX no. Business cards: dLocal no, EBANX no. Stablecoins: dLocal no, EBANX yes. Yield on idle cash: dLocal no, EBANX no.
How do dLocal and EBANX differ for platforms and embedded finance?
Sub-accounts for your users: dLocal yes, EBANX not confirmed. Split payments and platform fees: dLocal partly, EBANX not confirmed. Accounts that hold money: dLocal no, EBANX not confirmed. Cards for your users: dLocal no, EBANX not confirmed. Financing for your users: dLocal no, EBANX not confirmed. End users can be individuals: dLocal partly, EBANX not confirmed. Consumer wallets or accounts: dLocal no, EBANX not confirmed. Consumer cards: dLocal no, EBANX not confirmed. Accept stablecoins: dLocal not confirmed, EBANX yes. Issue your own stablecoin: dLocal no, EBANX not confirmed. Official MCP server: dLocal partly, EBANX not confirmed. Cards for AI agents: dLocal no, EBANX not confirmed.
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.
Who is EBANX designed for?
Merchants based outside EBANX's pay-in countries that want to accept local payment methods in up to 23 emerging markets and be settled abroad. Limitations: EBANX does not publish which home countries merchants may be registered in, pricing is negotiated, and domestic (Local model) settlement is offered only in Brazil, Chile, Colombia and Mexico.