Alignet is a Latin America–focused payments technology provider that delivers authentication (EMV 3DS 2.x), payment gateway and processing infrastructure for banks, acquirers, processors, and merchants, and operates the Pay-me merchant payments suite in Peru.
Published Sep 3, 2026
| Aspect | Alignet (Pay-me / Alignet stack) | dLocal | Stripe |
|---|---|---|---|
| Starting Price | Not fully standardized publicly; Pay-me shows segment-based rate ranges; contract-driven | Quotation-based (enterprise-oriented); pricing often bespoke | Published standard pricing in many markets (varies by country) |
| Best For | Peru merchants requiring a local gateway and 3DS capabilities; banks/acquirers in LATAM needing authentication infrastructure | Global enterprise merchants entering emerging markets needing local methods + a unified integration | Companies seeking a developer-focused global API and extensive tooling |
| Key Strength | Regional payments and authentication focus with local market positioning in Peru and emphasis on 3DS | Wide emerging-market coverage and local method access via a single contract/integration | Developer experience, documentation maturity, and global reach |
| Key Weakness | Limited publicly visible independent review coverage and limited publicly documented compliance artifacts; country-by-country complexity | Typically enterprise-focused; pricing opacity for smaller merchants | May not be available or cost-efficient for all local entity setups in every country |
Direct competitors and their key differentiators
Feature comparison: where Alignet/Pay-me likely excels vs lags
Pricing comparison: value proposition vs alternatives
Market share and adoption trends