dLocal vs Embed
dLocal
dlocal.comEmbed
embed.coSide by side
| Figure | dLocal | Embed |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 1 |
| Spec score · Embedded Payments Platforms | 7.5 (#15) | 7.9 (#6) |
| Integrations | The documentation lists Shopify, Google Pay, and Tiendanube integration options; Tiendanube is available only in Argentina. | Embed provides APIs and components for payment components, payment links, in-person payments, recurring payments, and balance accounts. |
| Payment methods | dLocal says one integration provides access to over 1,000 local payment methods across more than 60 emerging markets. | The pricing page lists credit and debit cards, Vipps/MobilePay, iDEAL, SEPA instant, SEPA direct debit, and open banking. |
| 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. | Embed says it is PCI-DSS compliant and licensed by the Dutch Central Bank. |
| Support | Existing merchants are directed to support options in the merchant dashboard and their account manager; prospects can contact sales. | The pricing page lists 24/7 payments support, technical support on Slack, implementation, and a low-code components library as free. |
| Who it serves | dLocal lists retail and ecommerce, travel and tourism, marketplaces and platforms, SaaS and subscriptions, fintech, gaming, crypto, remittances, and payroll platforms among the businesses it supports. | Embed describes its audience as software platforms and lists EV charging, field services, proptech, wellness, ticketing, retail, and automotive use cases. |
Plans
In their own words
Embed
Embed provides payment infrastructure for software platforms through one integration covering ecommerce, point-of-sale, and subscription payments. Platforms can configure tiered, blended, or cost-plus pricing by customer segment. Balance accounts, flexible rules, and APIs support moving funds among multiple parties and scheduling or requesting payouts. Embed also offers domestic virtual IBANs across Europe, safeguarded by tier-one banks. Documented payment methods include cards, open banking, SEPA, SEPA Direct Debit, iDEAL, and Vipps. Integration guides cover payment components, links, in-person payments, recurring payments, and balance accounts. A functional sandbox supports integration and payment tests, test-merchant onboarding, credential management, and reconciliation-report downloads. The service provides reports for finance and accounting and support through integration, verification, onboarding, and operations. Embed states PCI-DSS compliance and describes regulatory coverage through Embed B.V. and Embed Pay Ltd. It is paid, has no free plan, and lists a pay-as-you-go option with no monthly fees; transaction pricing is €0.15 gateway fee plus IC+ + 0.50% for cards.