Compare
Stripe vs dLocal
Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and dLocal in 17. Both serve businesses in 5.
Only Stripe · 39
🇨🇦 Canada🇬🇧 United Kingdom🇮🇪 Ireland🇩🇪 Germany🇫🇷 France🇳🇱 Netherlands🇧🇪 Belgium🇱🇺 Luxembourg🇦🇹 Austria🇪🇸 Spain🇵🇹 Portugal🇮🇹 Italy🇬🇷 Greece🇨🇾 Cyprus🇲🇹 Malta🇸🇪 Sweden🇩🇰 Denmark🇳🇴 Norway🇫🇮 Finland🇵🇱 Poland🇨🇿 Czechia🇸🇰 Slovakia🇭🇺 Hungary🇷🇴 Romania🇧🇬 Bulgaria🇭🇷 Croatia🇸🇮 Slovenia🇪🇪 Estonia🇱🇻 Latvia🇱🇹 Lithuaniaand 9 more →
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Onboards businesses in United States
Stripe
AvailabledLocal
AvailableAccept payments
Stripe
Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country.dLocal
One integration for local methods such as Pix, OXXO, UPI and M-Pesa in 40+ emerging markets.Pay people abroad
Stripe
Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries.dLocal
Payouts to bank accounts and wallets across emerging markets.Multi-currency account
Stripe
Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses.dLocal
Not offeredBusiness cards
Stripe
Issue physical and virtual cards for your business or your users.dLocal
Not offeredStablecoins
Stripe
US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries.dLocal
Not offeredYield on idle cash
Stripe
Stripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances.dLocal
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
Stripe
Low risk, not insuredCredits against feesdLocal
No yield offeredIs the money protected?
Stripe
Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash.dLocal
–Does the rate change?
Stripe
Set by the provider, and only worth as much as the fees you pay.Last seen: 1% a year, as fee creditsdLocal
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Stripe
Stripe publishes per-country rates. US: 2.9% + 30¢ per domestic card payment, +1.5% for international cards, +1% for currency conversion. UK and Ireland: 1.5% + 20p / €0.25 for standard domestic-area cards, 2.8% for premium cards, 2.5% for EEA/UK cards, 3.15% for international cards and +2% conversion. No setup or monthly fees.dLocal
dLocal does not publish pricing. It says it provides tailored commercial proposals and asks businesses to contact its team.Published prices
Stripe
Domestic card payment (US): 2.9% + 30¢ per successful transaction for domestic cardsInternational card surcharge (US): +1.5%Currency conversion (US): +1% if currency conversion is requiredManually entered cards (US): +0.5%Setup / monthly fees (US, UK, Ireland): None on standard pricingStandard payout to bank (all): No fee to initiate normal payouts (a settlement fee can apply when settling in a non-primary currency)dLocal
Pricing (all): Not published: tailored commercial proposals on requestWhat 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
Stripe
Not stateddLocal
Not statedCrypto
Stripe
RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited.dLocal
Not statedLending and financial services
Stripe
RestrictedInvestment, lending, BNPL, money transmitters, remittance and currency exchange are restricted (contact sales). Peer-to-peer money transmission, check cashing, money orders and debt relief are prohibited.dLocal
Not statedGambling
Stripe
Not allowedGames of chance, games of skill with prizes, sports forecasting, lotteries and bidding-fee auctions are listed as prohibited. Stripe's FAQ says some listed businesses can be supported with explicit prior approval.dLocal
Not statedAdult content
Stripe
Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited.dLocal
Not statedDating
Stripe
RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand.dLocal
Not statedFirearms and weapons
Stripe
RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited.dLocal
Not statedCannabis and CBD
Stripe
Not allowedCannabis products and dispensaries are prohibited. CBD with only negligible THC within local limits is restricted; CBD over the local THC limit is prohibited. The FAQ says CBD is supported only for limited sale to licensed users in specific countries, which matches the list.dLocal
Not statedSupplements
Stripe
RestrictedStripe's list never says supplements are permitted. It prohibits nutraceuticals and pseudo-pharmaceuticals 'that are not safe or make harmful claims', which is a judgement Stripe makes. Its country-specific lists also prohibit vitamins in Thailand and HCG weight-loss products and ephedrine in Mexico. Part of the category is barred, so the status is restricted. Nutraceuticals are not on the general Restricted (approval) list.dLocal
Not statedPharmacy and telemedicine
Stripe
RestrictedOnline pharmacies, card-not-present prescription products, regulated medical devices and telemedicine are restricted. FAQ: pharmacies are approved only for merchants in the US, Canada, the EU, Australia, the UK and Japan.dLocal
Not statedTravel
Stripe
RestrictedConflict between Stripe pages. The legal list puts travel reservation services and clubs under Restricted (approval possible), and commercial airlines, cruises, cross-border charter and timeshares under Prohibited. Stripe's FAQ says it does not support travel reservation services and clubs at all.dLocal
Not statedMulti-level marketing
Stripe
Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited.dLocal
Not statedFree-trial subscriptions
Stripe
Not allowedNegative option marketing and membership clubs, and reduced-price trials with unclear or hidden pricing, are prohibited. Clearly disclosed subscriptions are not covered by this line.dLocal
Not statedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Stripe
YesConnect creates and verifies accounts through hosted onboarding, embedded components or the API. Accounts v2 lets one account be a merchant, customer and payout recipient at once.dLocal
YesOnboard sellers, service providers or contractors; dLocal verifies them before paying out.Split payments and platform fees
Stripe
YesDestination charges, separate charges and transfers, and application fees.dLocal
PartlyMarketplace flows for paying multiple parties.Embeddable UI
Stripe
YesConnect embedded components for onboarding, payments, payouts and account management.dLocal
Not confirmedNot confirmed.Pay out to your users
Stripe
YesPayouts to connected accounts, including instant payouts in some markets. Global Payouts sends fiat to 100+ markets and stablecoins to 160.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoinsdLocal
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
Stripe
PartlyFinancial accounts for platforms (formerly Treasury) give US business users routing numbers and FDIC pass-through eligibility. US only.Announced, not yet live: Financial accounts for platforms’ users in the eurozonedLocal
NoNot offered.Cards for your users
Stripe
YesIssuing for connected accounts: virtual and physical cards via the API. Cardholders can be individuals or companies.Announced, not yet live: Stablecoin-backed cards in 100 countriesdLocal
NoNot offered.Financing for your users
Stripe
YesCapital for platforms offers financing to connected accounts in selected markets.dLocal
NoNot offered.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Stripe
PartlyStripe’s own account products are built for businesses. Consumer apps (wallets, stablecoin cards) go through its subsidiary Bridge.dLocal
PartlyPayouts to individuals; no accounts held for them.Consumer wallets or accounts
Stripe
PartlyThrough Bridge custodial wallets, not Stripe accounts.dLocal
NoNot offered.Consumer cards
Stripe
PartlyStablecoin-linked consumer cards through Bridge and Stripe Issuing, rolling out by country (65+ countries, targeting 100 by end of 2026).Announced, not yet live: Stablecoin-backed cards in 100 countriesdLocal
NoNot offered.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Stripe
YesStablecoin payments at checkout, settled to the business in fiat.dLocal
Not confirmedNot confirmed.Hold stablecoin balances
Stripe
YesStablecoin financial accounts in 101 countries: USDC balances with USD (ACH, wire) and EUR (SEPA) rails.Announced, not yet live: Stablecoin financial accounts in 50 more countriesAnnounced, not yet live: Move stablecoin balances to and from local bank accountsdLocal
Not confirmedNot confirmed.Pay out in stablecoins
Stripe
YesInstant stablecoin payouts to recipients in 160 markets through Global Payouts.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoinsdLocal
Not confirmedNot confirmed.Issue your own stablecoin
Stripe
YesThrough Bridge Open Issuance.dLocal
NoNo stablecoin product found in public materials.Regulatory risk in United States
Stripe
Low riskdLocal
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Stripe
YesHosted MCP server at mcp.stripe.com with OAuth, plus an agent toolkit for the major agent frameworks.dLocal
PartlyOfficial MCP server for integration docs inside AI coding tools; payment tools exist only in community servers.Checkout for AI agents
Stripe
YesCo-developed the Agentic Commerce Protocol with OpenAI, which powers Instant Checkout in ChatGPT. Shared payment tokens let an agent pay a seller without seeing card numbers.dLocal
Not confirmedNo agent checkout protocol support confirmed.Cards for AI agents
Stripe
YesIssuing can create single-use virtual cards for agents buying online.dLocal
NoNot offered.Working with them
How easy it is to get started.
Self-serve signup
Stripe
YesSign up online and go live without sales in supported countries.dLocal
NoEnterprise sales.Published pricing
Stripe
YesStandard rates are on the pricing page; volume discounts are negotiated.dLocal
NoNegotiated.Public API and sandbox
Stripe
YesPublic API, test mode and sandboxes.dLocal
YesPublic docs and sandbox.Coming soon
Announced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship.
Announced, not yet live
Stripe
Preview or betaStablecoin-backed cards in 100 countriesExpected by the end of 2026
AnnouncedStablecoin financial accounts in 50 more countriesExpected Q4 2026
Preview or betaMove stablecoin balances to and from local bank accountsExpected Q4 2026
3 more and details →dLocal
Nothing announcedIn short
Countries onboarded
Stripe
42 of 170dLocal
17 of 170Designed for
Stripe
Online businesses that want one integration for checkout, subscriptions and marketplaces.dLocal
Global companies selling to customers in Latin America, Africa and Asia that cannot set up local entities.Limitations
Stripe
Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.dLocal
Works with enterprise merchants, usually alongside a primary processor.| Stripe Payment processor | dLocal Emerging markets | |
|---|---|---|
| Onboards businesses in United States | Available | Available |
| Accept payments | Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country. | One integration for local methods such as Pix, OXXO, UPI and M-Pesa in 40+ emerging markets. |
| Pay people abroad | Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries. | Payouts to bank accounts and wallets across emerging markets. |
| Multi-currency account | Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses. | Not offered |
| Business cards | Issue physical and virtual cards for your business or your users. | Not offered |
| Stablecoins | US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries. | Not offered |
| Yield on idle cash | Stripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances. | 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 | Low risk, not insuredCredits against fees | No yield offered |
| Is the money protected? | Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash. | – |
| Does the rate change? | Set by the provider, and only worth as much as the fees you pay.Last seen: 1% a year, as fee credits | – |
| FeesPublished prices only, with the date we read them. Many providers negotiate prices instead. | ||
| How pricing works | Stripe publishes per-country rates. US: 2.9% + 30¢ per domestic card payment, +1.5% for international cards, +1% for currency conversion. UK and Ireland: 1.5% + 20p / €0.25 for standard domestic-area cards, 2.8% for premium cards, 2.5% for EEA/UK cards, 3.15% for international cards and +2% conversion. No setup or monthly fees. | dLocal does not publish pricing. It says it provides tailored commercial proposals and asks businesses to contact its team. |
| Published prices | Domestic card payment (US): 2.9% + 30¢ per successful transaction for domestic cardsInternational card surcharge (US): +1.5%Currency conversion (US): +1% if currency conversion is requiredManually entered cards (US): +0.5%Setup / monthly fees (US, UK, Ireland): None on standard pricingStandard payout to bank (all): No fee to initiate normal payouts (a settlement fee can apply when settling in a non-primary currency) | 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 stated |
| Crypto | RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited. | Not stated |
| Lending and financial services | RestrictedInvestment, lending, BNPL, money transmitters, remittance and currency exchange are restricted (contact sales). Peer-to-peer money transmission, check cashing, money orders and debt relief are prohibited. | Not stated |
| Gambling | Not allowedGames of chance, games of skill with prizes, sports forecasting, lotteries and bidding-fee auctions are listed as prohibited. Stripe's FAQ says some listed businesses can be supported with explicit prior approval. | Not stated |
| Adult content | Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited. | Not stated |
| Dating | RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand. | Not stated |
| Firearms and weapons | RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited. | Not stated |
| Cannabis and CBD | Not allowedCannabis products and dispensaries are prohibited. CBD with only negligible THC within local limits is restricted; CBD over the local THC limit is prohibited. The FAQ says CBD is supported only for limited sale to licensed users in specific countries, which matches the list. | Not stated |
| Supplements | RestrictedStripe's list never says supplements are permitted. It prohibits nutraceuticals and pseudo-pharmaceuticals 'that are not safe or make harmful claims', which is a judgement Stripe makes. Its country-specific lists also prohibit vitamins in Thailand and HCG weight-loss products and ephedrine in Mexico. Part of the category is barred, so the status is restricted. Nutraceuticals are not on the general Restricted (approval) list. | Not stated |
| Pharmacy and telemedicine | RestrictedOnline pharmacies, card-not-present prescription products, regulated medical devices and telemedicine are restricted. FAQ: pharmacies are approved only for merchants in the US, Canada, the EU, Australia, the UK and Japan. | Not stated |
| Travel | RestrictedConflict between Stripe pages. The legal list puts travel reservation services and clubs under Restricted (approval possible), and commercial airlines, cruises, cross-border charter and timeshares under Prohibited. Stripe's FAQ says it does not support travel reservation services and clubs at all. | Not stated |
| Multi-level marketing | Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited. | Not stated |
| Free-trial subscriptions | Not allowedNegative option marketing and membership clubs, and reduced-price trials with unclear or hidden pricing, are prohibited. Clearly disclosed subscriptions are not covered by this line. | Not stated |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | YesConnect creates and verifies accounts through hosted onboarding, embedded components or the API. Accounts v2 lets one account be a merchant, customer and payout recipient at once. | YesOnboard sellers, service providers or contractors; dLocal verifies them before paying out. |
| Split payments and platform fees | YesDestination charges, separate charges and transfers, and application fees. | PartlyMarketplace flows for paying multiple parties. |
| Embeddable UI | YesConnect embedded components for onboarding, payments, payouts and account management. | Not confirmedNot confirmed. |
| Pay out to your users | YesPayouts to connected accounts, including instant payouts in some markets. Global Payouts sends fiat to 100+ markets and stablecoins to 160.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins | 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 | PartlyFinancial accounts for platforms (formerly Treasury) give US business users routing numbers and FDIC pass-through eligibility. US only.Announced, not yet live: Financial accounts for platforms’ users in the eurozone | NoNot offered. |
| Cards for your users | YesIssuing for connected accounts: virtual and physical cards via the API. Cardholders can be individuals or companies.Announced, not yet live: Stablecoin-backed cards in 100 countries | NoNot offered. |
| Financing for your users | YesCapital for platforms offers financing to connected accounts in selected markets. | NoNot offered. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | PartlyStripe’s own account products are built for businesses. Consumer apps (wallets, stablecoin cards) go through its subsidiary Bridge. | PartlyPayouts to individuals; no accounts held for them. |
| Consumer wallets or accounts | PartlyThrough Bridge custodial wallets, not Stripe accounts. | NoNot offered. |
| Consumer cards | PartlyStablecoin-linked consumer cards through Bridge and Stripe Issuing, rolling out by country (65+ countries, targeting 100 by end of 2026).Announced, not yet live: Stablecoin-backed cards in 100 countries | NoNot offered. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | YesStablecoin payments at checkout, settled to the business in fiat. | Not confirmedNot confirmed. |
| Hold stablecoin balances | YesStablecoin financial accounts in 101 countries: USDC balances with USD (ACH, wire) and EUR (SEPA) rails.Announced, not yet live: Stablecoin financial accounts in 50 more countriesAnnounced, not yet live: Move stablecoin balances to and from local bank accounts | Not confirmedNot confirmed. |
| Pay out in stablecoins | YesInstant stablecoin payouts to recipients in 160 markets through Global Payouts.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins | Not confirmedNot confirmed. |
| Issue your own stablecoin | YesThrough Bridge Open Issuance. | NoNo stablecoin product found in public materials. |
| Regulatory risk in United States | Low risk | No stablecoin products |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | YesHosted MCP server at mcp.stripe.com with OAuth, plus an agent toolkit for the major agent frameworks. | PartlyOfficial MCP server for integration docs inside AI coding tools; payment tools exist only in community servers. |
| Checkout for AI agents | YesCo-developed the Agentic Commerce Protocol with OpenAI, which powers Instant Checkout in ChatGPT. Shared payment tokens let an agent pay a seller without seeing card numbers. | Not confirmedNo agent checkout protocol support confirmed. |
| Cards for AI agents | YesIssuing can create single-use virtual cards for agents buying online. | NoNot offered. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | YesSign up online and go live without sales in supported countries. | NoEnterprise sales. |
| Published pricing | YesStandard rates are on the pricing page; volume discounts are negotiated. | NoNegotiated. |
| Public API and sandbox | YesPublic API, test mode and sandboxes. | YesPublic docs and sandbox. |
| Coming soonAnnounced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship. | ||
| Announced, not yet live | Preview or betaStablecoin-backed cards in 100 countriesExpected by the end of 2026 AnnouncedStablecoin financial accounts in 50 more countriesExpected Q4 2026 Preview or betaMove stablecoin balances to and from local bank accountsExpected Q4 2026 3 more and details → | Nothing announced |
| In short | ||
| Countries onboarded | 42 of 170 | 17 of 170 |
| Designed for | Online businesses that want one integration for checkout, subscriptions and marketplaces. | Global companies selling to customers in Latin America, Africa and Asia that cannot set up local entities. |
| Limitations | Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it. | Works with enterprise merchants, usually alongside a primary processor. |
Common questions
Is Stripe or dLocal available in more countries?
Stripe. Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and dLocal in 17. Both serve businesses in 5. Only Stripe: Canada, United Kingdom, Ireland, Germany, France, Netherlands, Belgium, Luxembourg, Austria, Spain, Portugal, Italy and 27 more. Only dLocal: Argentina, Colombia, Chile, Peru, Nigeria, Kenya, Bolivia, Costa Rica, Ecuador, Guatemala, Paraguay and Uruguay.
What do Stripe and dLocal offer?
Accept payments: Stripe yes, dLocal yes. Pay people abroad: Stripe yes, dLocal yes. Multi-currency account: Stripe yes, dLocal no. Business cards: Stripe yes, dLocal no. Stablecoins: Stripe yes, dLocal no. Yield on idle cash: Stripe yes, dLocal no.
How do Stripe and dLocal differ for platforms and embedded finance?
Split payments and platform fees: Stripe yes, dLocal partly. Embeddable UI: Stripe yes, dLocal not confirmed. Accounts that hold money: Stripe partly, dLocal no. Cards for your users: Stripe yes, dLocal no. Financing for your users: Stripe yes, dLocal no. Consumer wallets or accounts: Stripe partly, dLocal no. Consumer cards: Stripe partly, dLocal no. Accept stablecoins: Stripe yes, dLocal not confirmed. Hold stablecoin balances: Stripe yes, dLocal not confirmed. Pay out in stablecoins: Stripe yes, dLocal not confirmed. Issue your own stablecoin: Stripe yes, dLocal no. Official MCP server: Stripe yes, dLocal partly. Checkout for AI agents: Stripe yes, dLocal not confirmed. Cards for AI agents: Stripe yes, dLocal no.
Who is Stripe designed for?
Online businesses that want one integration for checkout, subscriptions and marketplaces. Limitations: Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.
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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