Authorizations
This endpoint authorizes card’s transactions.
This endpoint must be implemented and exposed in your backend. A request will be sent to your server to approve or reject the transaction.
Authorization endpoints are required to respond in 2500 milliseconds or less. Otherwise, the transaction will be rejected.

Flow

The authorization object

Request Attributes

Authorization Object
Card Acceptor Object
Conversion Object
Property
Type
Description
card_id
String
Card ID provided when the card was created.
account_id
String
Account ID provided when the account was created.
transaction_id
String
Unique identifier for the transaction.
original_transaction_id
String
Unique identifier for the original transaction. It's uses when processing_code is "20 - Cancel" or "06 - Capture"
entry_mode
String
The point of service entry mode. According ISO 8583 specification.
Main possible values -the first 2 digits-:
01 - Manual
05 - Chip
07 - Contactless
10 - Credential on file
80 - Fallback
81 - Ecommerce
90 - Magnetic stripe
Others as defined by the network.
processing_code
String
Processing code for each transaction type.
Main possible values -the first 2 digits-:
00 - Purchase
01 - Withdrawal
02 - Debit adjustment
05 - Authorization
06 - Capture
09 - Cashback
20 - Cancel / Void
21 - Refund
30 - Balance Inquiry
Others as defined by the network.
created_date
String
Date at which the transaction was created.
created_time
String
Time at which the transaction was created.
amount_merchant
Number
Original transaction amount. -Max. 2 decimal numbers-
currency_merchant
String
Original currency at purchase. Three-letter ISO currency code.
amount_compensation
Number
Amount to be authorized in USD (for information purposes only). -Max. 2 decimal numbers-
currency_compensation
String
Three-letter ISO currency code.
amount_billing
Number
Final amount to be authorized in the user's currency. Includes taxes and fees if applicable. -Max. 2 decimal numbers-
currency_billing
String
Cardholder's local currency. Three-letter ISO currency code.
card_acceptor
Object
Seller information.
conversion
Object
Purchase amount in Euros or dollars.
Seller information.
Property
Type
Description
mid
String
Identifier for the seller.
mcc
String
The merchant category code for the seller's business. Merchant category code list.
name
String
Name of the seller.
country
String
Seller's country code.
state
String
State where the seller is located.
city
String
City where the seller is located.
street
String
Street where the seller is located.
zip_code
String
ZIP code where the seller is located.
Property
Type
Description
amount
Number
Amount to be authorized.
currency
String
Destination currency code (ISO-4217)
exchange_rate
Decimal
The exchange rate of the given currency in relation to dollar or Euro.

Response Attributes

Property
Type
Description
status
String
A status that indicates to dLocal whether to approve or reject the transaction. enum('APPROVED', 'REJECTED')
status_detail
String
Detail of the reason for not approving the transaction. Enum: ('APPROVED', 'REJECTED_BLACKLIST', 'REJECTED_HIGH_RISK', 'REJECTED_INVALID_AMOUNT', 'REJECTED_INSUFFICIENT_FUNDS', 'REJECTED_OTHER_REASON')
merchant_reference
String
Merchant reference to identify the authorization.

Status detail explanation

Status Detail
Description
APPROVED
Transaction approved.
REJECTED_BLACKLIST
Blacklisted user account or merchant.
REJECTED_HIGH_RISK
High risk transaction.
REJECTED_INVALID_AMOUNT
Amount different from the original transaction.
REJECTED_INSUFFICIENT_FUNDS
Insufficient balance or limit.
REJECTED_OTHER_REASON
Rejected for other reason.

Example

POST Request
Response
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-118d516d-5978-405b-abd4-83f5f4e157ec",
"original_transaction_id": "",
"entry_mode": "90",
"processing_code": "00",
"created_date_time": "2021-03-09T17:02:28Z",
"amount_merchant": 220,
"currency_merchant": "ARS",
"amount_compensation": 1.84,
"currency_compensation": "USD",
"amount_billing": 220,
"currency_billing": "ARS",
"card_acceptor":
{
"mid": "22546868",
"mcc": "4814",
"name": "PERSONAL FLOW",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 1.86,
"currency": "USD",
"exchange_rate": 118.24}
}
{
"status": "APPROVED",
"status_detail": "APPROVED",
"merchant_reference": "100002"
}
Check payload examples here.

Simulate Authorization

This endpoint allows simulate an authorization in Sandbox. You must have implemented the Webhook "Authorization events".
post
https://sandbox.dlocal.com/issuing/simulate/
authorizations
Simulate Authorization

The fail authorization object

Attributes

Property
Type
Description
card_id
String
Card ID provided when the card was created.
account_id
String
Account ID provided when the account was created.
transaction_id
String
Unique identifier for the transaction.
fail_type
String
Types of fails. enum('TIME_OUT')

Example

{
"card_id" : "ISGC-1111-1111-1111",
"account_id" : "ISGA-1111-1111-1111",
"transaction_id" : "123456",
"fail_type" : "TIME_OUT"
}

Payload Examples

Purchase Request
Purchase Reversal Request
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-118d516d-5978-405b-abd4-83f5f4e157ec",
"original_transaction_id": "",
"entry_mode": "90",
"processing_code": "00",
"created_date_time": "2021-03-09T17:02:28Z",
"amount_merchant": 220,
"currency_merchant": "ARS",
"amount_compensation": 1.84,
"currency_compensation": "USD",
"amount_billing": 220,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "4814",
"name": "PERSONAL FLOW",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 1.86,
"currency": "USD",
"exchange_rate": 118.24}
}
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-118d526d-6078-405b-abd4-84f5f4e167ec",
"Original_transaction_id": “ISGT-118d516d-5978-405b-abd4-83f5f4e157ec",
"entry_mode": "90",
"processing_code": "20",
"created_date_time": "2021-03-09T17:02:28Z",
"amount_merchant": 220,
"currency_merchant": "ARS",
"amount_compensation": 1.84,
"currency_compensation": "USD",
"amount_billing": 200,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "4814",
"name": "PERSONAL FLOW",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 2.52,
"currency": "USD",
"exchange_rate": 118.89}
}
ATM Withdrawals Request
ATM Withdrawals Reverse Request
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-118d516d-5078-405b-bcd4-83f5f4e189es",
"original_transaction_id": "",
"entry_mode": "90",
"processing_code": "01",
"created_date_time": "2022-04-10T10:03:17Z",
"amount_merchant": 300,
"currency_merchant": "ARS",
"amount_compensation": 2.52,
"currency_compensation": "USD",
"amount_billing": 340,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "6010",
"name": "BANCO GALICIA",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 2.52,
"currency": "USD",
"exchange_rate": 118.89}
}
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-134d516d-5078-475s-bcd4-56f5f4e609es",
"original_transaction_id": "ISGT-118d516d-5078-405b-bcd4-83f5f4e189es",
"entry_mode": "90",
"processing_code": "20",
"created_date_time": "2022-04-10T10:03:17Z",
"amount_merchant": 300,
"currency_merchant": "ARS",
"amount_compensation": 2.52,
"currency_compensation": "USD",
"amount_billing": 340,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "6010",
"name": "BANCO GALICIA",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 2.52,
"currency": "USD",
"exchange_rate": 118.89}
}
Cashback Request
Cashback Reversal Request
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-116d817d-5987-405a-abd4-83f5f4e177er",
"original_transaction_id": "",
"entry_mode": "90",
"processing_code": "09",
"created_date_time": "2022-04-10T10:03:17Z",
"amount_merchant": 5000,
"currency_merchant": "ARS",
"amount_compensation": 41.85,
"currency_compensation": "USD",
"amount_billing": 5000,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "5411",
"name": "CARREFOUR ARGENTINA CABA ARG",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 41.84,
"currency": "USD",
"exchange_rate": 119.49}
}
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-906s793d-4597-267b-qse4-78f5f4e188ec",
"original_transaction_id": "ISGT-116d817d-5987-405a-abd4-83f5f4e177er",
"entry_mode": "90",
"processing_code": "20",
"created_date_time": "2022-04-10T10:03:17Z",
"amount_merchant": 5000,
"currency_merchant": "ARS",
"amount_compensation": 41.85,
"currency_compensation": "USD",
"amount_billing": 5000,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "5411",
"name": "CARREFOUR ARGENTINA CABA ARG",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 41.84,
"currency": "USD",
"exchange_rate": 119.49}
}
Debit Adjustment
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-118d516d-5978-405b-abd4-83f5f4e157ec",
"original_transaction_id": "",
"entry_mode": "90",
"processing_code": “02",
"created_date_time": "2022-04-10T10:03:17Z",
"amount_merchant": 50,
"currency_merchant": "ARS",
"amount_compensation": 0.41,
"currency_compensation": "USD",
"amount_billing": 50,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "5411",
"name": "SUPERMERCADO COTO CABA ARG",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 0.41,
"currency": "USD",
"exchange_rate": 123.07}
}
Authorization
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-586g987q-4629-052w-oeu5-92hwn7l9482nt",
"original_transaction_id": "",
"entry_mode": "90",
"processing_code": "05",
"created_date_time": "2022-04-10T10:03:17Z",
"amount_merchant": 12499,
"currency_merchant": "ARS",
"amount_compensation": 104.66,
"currency_compensation": "USD",
"amount_billing": 12499,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "3355",
"name": "HERTZ PAMPPA F430 S.A.",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 104.60,
"currency": "USD",
"exchange_rate": 119.49}
}
Capture
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-586g987q-4629-052w-oeu5-92hwn7l9482nt",
"original_transaction_id": "ISGT-586g987q-4629-052w-oeu5-92hwn7l9482nt",
"entry_mode": "90",
"processing_code": "06",
"created_date_time": "2022-04-10T10:03:17Z",
"amount_merchant": 12499,
"currency_merchant": "ARS",
"amount_compensation": 104.66,
"currency_compensation": "USD",
"amount_billing": 12499,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "3355",
"name": "HERTZ PAMPPA F430 S.A.",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 104.60,
"currency": "USD",
"exchange_rate": 119.49}
}
Cancel
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-586g987q-4629-052w-oeu5-92hwn7l9482nt",
"original_transaction_id": "ISGT-586g987q-4629-052w-oeu5-92hwn7l9482nt",
"entry_mode": "90",
"processing_code": "20",
"created_date_time": "2022-04-10T10:03:17Z",
"amount_merchant": 12499,
"currency_merchant": "ARS",
"amount_compensation": 104.66,
"currency_compensation": "USD",
"amount_billing": 12499,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "3355",
"name": "HERTZ PAMPPA F430 S.A.",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 104.60,
"currency": "USD",
"exchange_rate": 119.49}
}
Refund
{
"card_id": "ISGC-4-6e81610259644f38b7f397d101c9b6bd",
"account_id": "ISGA-4-57ba83dd00c043f8a1bb1bab40d0e197",
"transaction_id": "ISGT-213k628a-6538-382s-nyf9-24yrb365013lo",
"original_transaction_id": "",
"entry_mode": "90",
"processing_code": "21",
"created_date_time": "2022-04-10T10:03:17Z",
"amount_merchant": 12499,
"currency_merchant": "ARS",
"amount_compensation": 104.66,
"currency_compensation": "USD",
"amount_billing": 12499,
"currency_billing": "ARS",
"card_acceptor": {
"mid": "22546868",
"mcc": "3355",
"name": "HERTZ PAMPPA F430 S.A.",
"country": "AR",
"state": "",
"city": "",
"street": "",
"zip_code": "C1107BBA" },
"conversion": {
"amount": 104.60,
"currency": "USD",
"exchange_rate": 119.49}
}