Accounts structure

Understand the different types of dLocal accounts you need to start processing payments.

Account types

With the marketplace solution you create and onboard all the related accounts, trigger payments and manage transactions.

There are two types of accounts:

Main AccountMarketplace associate account as principal. The Main Account contains the default configuration that will be applied automatically to the created Sub-Account, such as available payment methods, fees, and settlement period. Each configuration will be identified with a specific Merchant Type.
Sub-AccountAll financial activities happen through accounts. It applies to third parties in your marketplace—sellers, service providers, contractors, and so on. The Main Account can have multiple Sub-Accounts but a single account is sufficient in most use cases.

The Merchant Types are defined with the creation of the Marketplace’s dLocal account (Main Account). It’s possible to define different Merchant Types for each country, industry, or any other Sub-Accounts characteristic if needed. For example, it’s possible to have a different list of payment methods available or settlement fees for each country.

Obtain the Main Account

To obtain the Main Account, we encourage you to contact our Sales team.

They will guide you in the following steps for the Main Account creation.

Create a Sub-Account

Start the onboarding process by creating a Sub-Account. To create a Sub-Account, you need to get the legal entity type, collect the minimum required information, and send the information in an API request.

Sub-Account creation flows

dLocal for Platforms is a white-label solution, that is, dLocal works as a payment provider for the Platform but the Sub-Account doesn’t know about dLocal, only the Platform.

The Sub-Account won’t use the dLocal Merchant Dashboard, so the Platform must manage all Sub-Account settlements and account data changes using the API. It must also implement all communication with the Sub-Account regarding his dLocal payment account (for example, when we need to ask him for more KYC documentation).

ℹ️Sub-Account profile: Business or Person?

dLocal for Platforms API has support for Sub-Accounts that represent a business (company or individual) or a person without a business. The chosen option will depend on the Marketplace business characteristics.

The KYC information needed for each case will vary depending on the Sub-Account profile.