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dLocal vs Razorpay
dLocal and Razorpay are both card processing platforms. On a $1,000 payment you keep about $971 on dLocal and $980 on Razorpay, 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 $980 on Razorpay, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer.
- Razorpay is the older platform — founded in 2014, 2 years before dLocal (2016).
- dLocal is based in Uruguay, Razorpay in India.
Which should you choose?
Choose Razorpay if…
- Keeping more of each payment matters most — its fee is lower.
Side by side
dLocal
A cross-border payments processor connecting global merchants to emerging-market shoppers.
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Razorpay
India leading payment gateway - businesses of any size accept cards, UPI, netbanking, and wallets, with paymen…
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|---|---|---|
| Type | Card processing like Stripe | Card processing like Stripe |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | Yes |
| Fees | Custom pricing ~2.9% average take rate | Around 2% per domestic transaction |
| Minimum payout | No minimum stated | — |
| Payout speed | Settlement cadence such as daily or weekly is agreed per merchant during onboarding | Standard domestic settlement generally T+2 business days, eligible instant settlements available |
| Withdraw via | Cross-border settlement to merchant bank | Bank transfer |
| Availability | 40+ emerging markets | India |
| Local to | — | India |
| Founded | 2016 | 2014 |
| Headquarters | Montevideo, Uruguay | Bengaluru, India |
| Popularity | 44 views · 0 likes | 49 views · 0 likes |
Frequently asked questions
Which is cheaper, dLocal or Razorpay?
On a $1,000 payment you keep about $971 on dLocal and $980 on Razorpay, before withdrawal or currency-conversion costs.
How fast do dLocal and Razorpay pay out?
dLocal: Settlement cadence such as daily or weekly is agreed per merchant during onboarding. Razorpay: Standard domestic settlement generally T+2 business days, eligible instant settlements available.
Where are dLocal and Razorpay available?
dLocal: 40+ emerging markets. Razorpay: India.