dLocal vs DreamPay
dLocal
dlocal.comDreamPay
dreampayments.comSide by side
| Figure | dLocal | DreamPay |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Embedded Payments Platforms | 7.5 (#15) | 7.7 (#10) |
| Headquarters | The company identifies its operational headquarters as Montevideo, Uruguay; its principal executive offices are in Grand Cayman, Cayman Islands. | Dream Payments lists its address as 201-171 East Liberty Street, Toronto, Ontario, M6K 3P6. |
| Security | API requests require a signature for authentication, and dLocal’s PCI guidance says merchants using dLocal generally rely on its PCI Level 1 status while completing the relevant self-assessment questionnaire. | Dream says its platform follows PCI DSS and SOC 2 standards and uses end-to-end encryption for payment transactions and payouts. |
| Support | Existing merchants are directed to support options in the merchant dashboard and their account manager; prospects can contact sales. | The company invites prospective customers to schedule a demo or contact its team for integration support. |
Plans
In their own words
DreamPay
DreamPay provides embedded and private-label payment solutions for merchant acquirers, software platforms, insurers, financial institutions, and marketplaces. Clients can add inbound and outbound digital and mobile payments within their core applications, and the company also offers point-of-sale solutions for in-person payments. Online payments can be one-time or recurring, by credit or debit card or by bank transfer through ACH in the US and EFT in Canada. Checkout options include hosted payment pages, embedded checkout, and one-click payments with stored cards. Payout methods include ACH, EFT, real-time payments, virtual cards, Interac e-Transfer, and cheques. A dashboard tracks transaction volume, success rates, revenue, refunds, and chargebacks. Its APIs support payment data integration and webhook notifications for payment outcomes and status changes. Dream says its platform follows PCI DSS and SOC 2 standards, uses end-to-end encryption for transactions and payouts, and includes KYC and AML tools; its security page also lists GDPR compliance. A zero-fee option passes processing fees to customers using a flat or percentage-based fee. Pricing is on request.