dLocal vs NMI
dLocal
dlocal.comNMI
nmi.comSide by side
| Figure | dLocal | NMI |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| Linux | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Embedded Payments Platforms | 7.5 (#15) | 7.7 (#11) |
| Founded | 2016 | 2001 |
| Headquarters | The company identifies its operational headquarters as Montevideo, Uruguay; its principal executive offices are in Grand Cayman, Cayman Islands. | Schaumburg, Illinois, United States |
| Integrations | The documentation lists Shopify, Google Pay, and Tiendanube integration options; Tiendanube is available only in Argentina. | NMI lists integrations with more than 125 shopping carts and connections to more than 150 processors. |
| Payment methods | dLocal says one integration provides access to over 1,000 local payment methods across more than 60 emerging markets. | The Payment Component captures card, ACH, Apple Pay, and Google Pay details for processing through the NMI REST API. |
| 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. | NMI says it has maintained PCI DSS Level 1 certification since 2005 and undergoes annual independent security assessments. |
| Support | Existing merchants are directed to support options in the merchant dashboard and their account manager; prospects can contact sales. | NMI provides a support portal for answers and support requests, with sales inquiries handled separately by its sales team. |
| What it does | dLocal provides payment solutions for businesses to accept payments, send payouts, and settle funds across emerging markets. | NMI provides an embedded payments platform with payment gateway, merchant onboarding, underwriting, and management tools. |
| 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. | NMI identifies ISOs and software vendors as key audiences for its embedded payments platform. |
Plans
In their own words
NMI
NMI provides an embedded payments platform for accepting and managing payments online, in stores, on mobile devices, and through self-service channels. Its gateway supports recurring billing, batch processing, webhooks, QR code payment links, transaction routing, and a virtual terminal. Checkout options include a customizable Payment Component, hosted payment pages, and a REST API. The Payment Component tokenizes payment details in the browser so sensitive data does not reach the integrator's servers. Supported methods include major card brands, Apple Pay, Google Pay, EMV, and contactless payments; currency availability beyond USD and CAD depends on the processor. NMI describes its customers as ISOs, software companies, and payment facilitators. Merchants generally work through a certified reseller or ISO that configures the gateway and handles the account. Partners can brand the gateway and portals, while Merchant Central combines CRM and underwriting tools for merchant onboarding and lifecycle management. Developer resources include web APIs, hosted pages, and SDKs for iOS, Android, Windows, and Linux. NMI says it has maintained PCI DSS Level 1 certification since 2005 and undergoes annual independent assessments. Pricing is available on request.