dLocal vs Stripe Connect
dLocal
dlocal.com
Stripe Connect
stripe.comSide by side
| Figure | dLocal | Stripe Connect |
|---|---|---|
| Price from | — | $20.25/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 3 |
| Spec score · Embedded Payments Platforms | 7.5 (#15) | 8.7 (#4) |
| Spec score · Marketplace Payment Platforms | 7.4 (#17) | 8.7 (#4) |
| Headquarters | The company identifies its operational headquarters as Montevideo, Uruguay; its principal executive offices are in Grand Cayman, Cayman Islands. | San Francisco and Dublin |
| Integrations | The documentation lists Shopify, Google Pay, and Tiendanube integration options; Tiendanube is available only in Argentina. | Stripe lists Terminal, Tax, Billing, Capital, Issuing, and other Stripe financial products as capabilities platforms can add through its integrated stack. |
| Payouts | Payout requests can be sent individually or in batches through an integration by API, file, or SFTP. | Platforms can send connected accounts funds to bank accounts or debit cards and control payout timing, with Instant Payouts available for an additional fee. |
| 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. | The Connect features page lists PCI DSS Level 1 certification and PSD2 Strong Customer Authentication compliance. |
| Support | Existing merchants are directed to support options in the merchant dashboard and their account manager; prospects can contact sales. | Connect’s features page advertises 24x7 support by phone, chat, and email. |
| What it does | dLocal provides payment solutions for businesses to accept payments, send payouts, and settle funds across emerging markets. | Stripe Connect lets platforms, marketplaces, and other businesses embed payments and coordinate money movement among multiple parties. |
| 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. | Stripe describes Connect as suitable for software platforms, marketplaces, and businesses that need to coordinate payments among multiple parties. |
Plans
Stripe Connect
- Stripe handles pricing for your usersFree
- You handle pricing for your users$20.25 a month
- Stripe handles pricing for your usersPriced on request
In their own words
Stripe Connect
Stripe Connect embeds payments in software platforms and marketplaces and coordinates money movement among multiple parties. Platforms can choose Stripe-hosted, embedded, or custom onboarding, including identity verification and networked onboarding for existing Stripe users. Connect supports payments in 135+ currencies and 40+ payment methods across online, mobile, subscription, invoicing, and point-of-sale flows. Platforms can split payments, route funds across borders, control payout timing, and offer instant payouts. Prebuilt connected-account dashboards include controls for payments, payouts, settings, notifications, and payment methods. Risk and compliance features include KYC and AML checks, sanctions screening, MATCH list checks, and fraud management. Connect can automatically generate US 1099 forms; e-filing and delivery fees vary by pricing model. Its listed security features include PCI DSS Level 1 certification and PSD2 Strong Customer Authentication compliance. Pricing may involve no platform fees when Stripe handles user pricing, or $2 per monthly active account plus 0.25% + 25¢ per payout sent; other usage fees may apply.