Probably just the interface - function calls become RPC. You accept some overhead for some benefits of treating components individually (patching!)
What is the difference between distributed microservices v.s. co-located microservices?
Deployment is more complex, but you get to intelligently assign processes to more optimal hardware. Number of failure modes increases, but you get to be more fault tolerant.
There's no blanket answer here. If you need the benefits, you pay the costs. I think a lot of these microservice v.s. monolith arguments come from poor application of one pattern or the other, or using inadequate tooling to make your life easier, or mostly - if your software system is 10 years old and you haven't been refactoring and re-architecting as you go, it sucks to work on no matter the initial architecture.