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dLocal vs Paddle
dLocal and Paddle are both card processing platforms. On a $1,000 payment you keep about $971 on dLocal and $949.50 on Paddle, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $971 on dLocal and $949.50 on Paddle, before withdrawal or currency-conversion costs.
- dLocal has the lower minimum payout (no minimum vs $100).
- Both pay out via Bank transfer. Only Paddle offers PayPal.
- Paddle screens providers before they can join, while dLocal is open to anyone.
- Paddle is the older platform — founded in 2012, 4 years before dLocal (2016).
- dLocal is based in Uruguay, Paddle in United Kingdom.
Which should you choose?
Choose dLocal if…
- Keeping more of each payment matters most — its fee is lower.
- You want to cash out small amounts.
- You are just starting out and want to sign up without a screening.
Choose Paddle if…
- You want to withdraw via PayPal.
- You are an experienced professional ready to pass a screening.
Side by side
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dLocal
A cross-border payments processor connecting global merchants to emerging-market shoppers.
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Paddle
A merchant of record for selling software and SaaS - Paddle handles global payments, sales tax, and invoicing…
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|---|---|---|
| Type | Card processing like Stripe | Card processing like Stripe |
| Category | Payments | Payments |
| Vetted | No | Yes |
| Work from home | Yes | Yes |
| Fees | Custom pricing ~2.9% average take rate | 5% plus 50 cents per transaction |
| Minimum payout | No minimum stated | $100 (or 100 GBP or EUR), adjustable up to $100,000 |
| Payout speed | Settlement cadence such as daily or weekly is agreed per merchant during onboarding | Monthly, sent by the 15th for the balance at the 1st, up to 3 working days to arrive |
| Withdraw via | Cross-border settlement to merchant bank | Bank transfer, PayPal |
| Availability | 40+ emerging markets | Worldwide |
| Founded | 2016 | 2012 |
| Headquarters | Montevideo, Uruguay | London, United Kingdom |
| Popularity | 44 views · 0 likes | 59 views · 0 likes |
Frequently asked questions
Which is cheaper, dLocal or Paddle?
On a $1,000 payment you keep about $971 on dLocal and $949.50 on Paddle, before withdrawal or currency-conversion costs.
How fast do dLocal and Paddle pay out?
dLocal: Settlement cadence such as daily or weekly is agreed per merchant during onboarding. Paddle: Monthly, sent by the 15th for the balance at the 1st, up to 3 working days to arrive.
Where are dLocal and Paddle available?
dLocal: 40+ emerging markets. Paddle: Worldwide.
Which is easier to join, dLocal or Paddle?
dLocal — anyone can sign up, while Paddle screens providers before accepting them.