Bank transfer payment

Learn how to start receiving bank transfer payments.

Redirect Bank Transfer Payments

All Bank Transfer (BANK_TRANSFER) payment methods offer a redirect solution (payment_method_flow = REDIRECT). The API returns a redirect_URL, which is used to redirect the user to a dLocal-hosted page. The user will be able to see the details in order to complete the transfer via their home banking.

Using the Redirect method, the payment will have the PENDING status until the user completes the transfer, and dLocal gets notified.

The usage of the redirect_url must be with a GET operation.

The example below belongs to payment using Caixa in Brazil. For a full list of BANK_TRANSFER payment methods available, visit the Payment method page.

Example request

curl -X POST \
    -H 'X-Date: 2018-02-20T15:44:42.310Z' \
    -H 'X-Login: sak223k2wdksdl2' \
    -H 'X-Trans-Key: fm12O7G9' \
    -H 'Content-Type: application/json' \
    -H 'X-Version: 2.1' \
    -H 'User-Agent: MerchantTest / 1.0 ' \
    -H 'Authorization: V2-HMAC-SHA256, Signature: 1bd227f9d892a7f4581b998c21e353b1686a6bdad5940e7bb6aa596c96e0a6ec' \
    -d '{body}'
    https://api.dlocal.com/payments

{
    "amount": 100,
    "currency": "BRL",
    "country": "BR",
    "payment_method_id": "CA",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Thiago Gabriel",
        "email": "[email protected]",
        "document": "52463567015"
    },
    "order_id": "623576234",
    "notification_url": "http://merchant.com/notifications"
}
{
    "id": "D-4-82f1d728-6966-41f8-8fea-fc9ee0e7cded",
    "amount": 100,
    "currency": "BRL",
    "payment_method_id": "CA",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "BR",
    "created_date": "2018-12-26T21:19:02.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending",
    "status_code": "100",
    "order_id": "623576234",
    "notification_url": "http://merchant.com/notifications",
    "redirect_url": "https://pay.dlocal.com/collect/pay/pay/M-de20ae10-0953-11e9-b88f-39144191f925?xtid=CATH-ST-1545859142-2123845504"
}
19241924

Example of redirect page of a Caixa bank transfer.

Direct Bank Transfer Payments

Some Bank Transfer payments are available via our Direct Bank Transfer solution (payment_method_flow = DIRECT). The important parameters of the Bank Transfer ticket are returned via API, so the merchant can build their own UI.

The example below belongs to direct payment using Banco Industrial in Argentina.

curl -X POST \
    -H 'X-Date: 2018-02-20T15:44:42.310Z' \
    -H 'X-Login: sak223k2wdksdl2' \
    -H 'X-Trans-Key: fm12O7G9' \
    -H 'Content-Type: application/json' \
    -H 'X-Version: 2.1' \
    -H 'User-Agent: MerchantTest / 1.0 ' \
    -H 'Authorization: V2-HMAC-SHA256, Signature: 1bd227f9d892a7f4581b998c21e353b1686a6bdad5940e7bb6aa596c96e0a6ec' \
    -d '{body}'
    https://api.dlocal.com/payments

{
    "amount": 100,
    "currency": "ARS",
    "country": "AR",
    "payment_method_flow": "DIRECT",
    "payment_method_id": "IO",
    "payer": {
        "name": "Juan Gómez",
        "email": "[email protected]",
        "phone": "4832695335",
        "document": "27183121",
        "address": {
            "country": "AR",
            "state": "Santa Fe",
            "city": "Rosario",
            "zip_code": "2341",
            "street": "Av. de las Acacias",
            "number": "5940"
        }
    },
    "order_id": "5346523564",
    "notification_url": "http://google.com"
}
{
    "id": "D-4-c36158e8-cf6b-4195-8cea-721d56ebb9b5",
    "amount": 100,
    "currency": "ARS",
    "payment_method_id": "IO",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "AR",
    "bank_transfer": {
        "bank_account_type": "CHECKING",
        "bank_name": "Banco Industrial S.A.",
        "bank_code": "BIND",
        "beneficiary_name": "Dlocal Argentina S.A.",
        "bank_account": "3220001805006588350028",
        "bank_account2": "1-658835/2",
        "bank_account_label": "CBU",
        "bank_account2_label": "Número de cuenta",
        "beneficiary_document_type": "CUIT",
        "beneficiary_document": "30715778722",
        "reference": "1000000000013",
        "redirect_url": "https://pay.dlocal.com/gmf-apm/payments/M-a4a6b0a4-59eb-4389-8a69-139b17a38b7a",
        "bank_branch": "1",
        "user_payment_amount": 100
        "payment_instruction": "A través de tu home banking, o desde el banco desde el que prefieras operar, utilizando la referencia y el resto de los datos detallados más arriba."
    },
    "ticket": {},
    "created_date": "2020-07-03T20:56:56.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "5346523564",
    "notification_url": "http://google.com"
}
969969

Example of UI built with the data above.