---
updatedAt: 2026-07-27T09:12:27.000Z
agentTools:
  projectIndex: https://docs.dlocal.com/llms.txt
---

# 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](https://docs.dlocal.com/docs/payment-method).

## Example request

```json 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": "thiago@example.com",
        "document": "52463567015"
    },
    "order_id": "623576234",
    "notification_url": "http://merchant.com/notifications"
}
```
```json Example response
{
    "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"
}
```

## Example ticket

[block:image]
{
  "images": [
    {
      "image": [
        "https://files.readme.io/37f0775492b797a686b21b9fe527a3d2b109bc93454da9a3a019a098875b7d6b-APM_-_BN_Servicios.png",
        "dlocal-cixa-bank-transfer.png",
        1924
      ],
      "align": "center",
      "sizing": "80",
      "caption": "Example of redirect page of a Caixa bank transfer."
    }
  ]
}
[/block]

# 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.

```json 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": "ARS",
    "country": "AR",
    "payment_method_flow": "DIRECT",
    "payment_method_id": "IO",
    "payer": {
        "name": "Juan Gómez",
        "email": "jgomez@example.com",
        "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"
}
```
```json Example response
{
    "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"
}
```

## Example ticket

[block:image]
{
  "images": [
    {
      "image": [
        "https://files.readme.io/2c37a124e86ece4fd0cc1c0589edd8f9cbf49a78c4c1f9250c8d7b5865b19c6a-bank_transfer_redirect.png",
        "dlocal-arg-transfer.png",
        969
      ],
      "align": "center",
      "sizing": "80",
      "caption": "Example of UI built with the data above."
    }
  ]
}
[/block]