Dynamic Virtual Accounts (DVA) are account numbers that are issued dynamically per transaction so merchants can accept payments from their retail customers.

They typically have an expiry period depending on what is supported by the bank in the market.

Types of Dynamic Virtual Accounts

In this case we only have the following option:

Merchant Initiated Payments (MIP) using Bank Dynamic Virtual Accounts
- MIP: These are scenarios where the merchant must always send a request to dLocal to process a payment. The payment can only be completed for the amount specified in the merchant's request to dLocal.
- Bank Dynamic Virtual Accounts: Bank account numbers issued dynamically per transaction requested by the merchant. Each payment will be related to a different bank account.

Availability

Pestañas Verticales con Banderas

Mexico

Indonesia

Nigeria

Japan

Mexico

Minimum Amount: 1 MXN

Notification delay: Immediate

Flow: REDIRECT, DIRECT

MIP: Available

"payment_method_id" = "SE"

"payment_method_id" = "IO"

Bank Static Virtual Accounts:Available

"payment_method_id" = "SE"

"payment_method_id" = "IO"

Indonesia

Minimum Amount: 1 IDR

Notification delay: Immediate

Flow: REDIRECT, DIRECT

MIP: Available

"payment_method_id" = "IO"

Bank Static Virtual Accounts:Available

"payment_method_id" = "IO"

Niegeria

Minimum Amount: 1 NGN

Notification delay: Immediate

Flow: REDIRECT, DIRECT

MIP: Available

"payment_method_id" = "IO"

Bank Static Virtual Accounts:Available

"payment_method_id" = "IO"

Japan

Minimum Amount: 1 JPY

Notification delay: Immediate

Flow: REDIRECT, DIRECT

MIP: Available

"payment_method_id" = "IO"

Bank Static Virtual Accounts:Available

"payment_method_id" = "IO"

Overall flow

1. Merchant Initiated Payments using Bank Dynamic Virtual Accounts

This should be repeated for every transaction and the bank account will change each time.

Bank dynamic account creation with payment associated

Example request

{
    "amount": 100,
    "currency": "MXN",
    "country": "MX",
    "payment_method_id": "SE",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "1234567890",
        "phone": "+529848774040",
        "document": "99999999",
        "ip": "179.27.83.210",
        "address": {
            "country": "MX",
            "state": "Mexico DF",
            "city": "Mexico DF",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

Request params

Field	Required	Description
`amount`	Yes	Payment amount.
`currency`	Yes	Payment currency.
`country`	Yes	Payment processing country code. ISO 3166-1 alpha-2 code.
`payment_method_id`	Yes	Payment method code chosen to create the virtual account.
Payer Object	Yes
`payer.name`	Yes	Payer's full name.
`payer.email`	Yes	Payer's email.
`payer.phone`	No	Payer's mobile phone number.
`payer.document`	Yes	Payer's document.
`payer.ip`	No	Payer's IP.
`payer.user_reference`	Yes	Unique user ID at the merchant side.
Address Object	No
`payer.address.country`	No	Payer's address country.
`payer.address.state`	No	Payer's address state.
`payer.address.city`	No	Payer's address city.
`payer.address.zip_code`	No	Payer's address ZIP Code.
`payer.address.street`	No	Payer's address street.
`payer.address.number`	No	Payer's address number.
`order_id`	Yes	ID of the payment given by the merchant in their system. Can retrieve payments based on this ID. (is not mandatory).
`notification_url`	No	URL where dLocal will send notifications associated to changes to this payment.
`callback_url`	No	URL where dLocal does the final redirect. Required only for REDIRECT payment flow.

Synchronous response

{
    "id": "D-4-3e6e6631-2ed6-4444-65tr-b109af0f5a1d",
    "amount": 100,
    "currency": "MXN",
    "payment_method_id": "IO",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "MX",
    "bank_transfer": {
        "bank_account_type": "CHECKING",
        "bank_name": "STP",
        "bank_code": "STP",
        "beneficiary_name": "DEMERGE MEXICO SA DE CV",
        "bank_account": "646180205700879296",
        "bank_account_label": "CLABE",
        "reference": "64618020",
        "redirect_url": "https://pay.dlocal.com/gmf-apm/payments/M-450359a6-b3a6-4415-82a4-7965tr370370",
        "user_payment_amount": 100,
        "payment_instruction": "Ingresa a tu banca en línea y realiza la transferencia a la siguiente cuenta. Recuerda que no se pueden hacer pagos en ventanilla.",
        "expiration_date": "2023-07-06T00:16:02.500+0000"
    },
    "ticket": {},
    "created_date": "2023-07-05T22:16:02.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}

{
   "status": "REJECTED",
   "status_detail": "The payment was rejected",
   "status_code": "300",
  }

Response params

Field	Description
`id`	Payment ID.
`amount`	Payment amount.
`currency`	Payment currency.
`created_date`	Payment's creation date.
`status`	Payment status.
`status_detail`	Description of the status of the payment.
`status_code`	Payment status code.
`payment_method_id`	ID of the selected payment method by the user.
`payment_method_type`	Type can be `BANK_TRANSFER`.
`payment_method_flow`	Payment method flow, can `DIRECT` or `REDIRECT`.
Bank Transfer Object
`bank_transfer.bank_account_type`	The type of ticket can be `CHECKING` or `SAVING`.
`bank_transfer.bank_name`	Name of the bank.
`bank_transfer.bank_code`	Code of the bank.
`bank_transfer.beneficiary_name`	Name of the account holder.
`bank_transfer.bank_account`	Bank account number.
`bank_transfer.bank_account_label`	Label to be displayed related to bank_account.
`bank_transfer.beneficiary_document_type`	Type of document of the account holder.
`bank_transfer.beneficiary_document`	Document number of the account holder.
`bank_transfer.reference`	Reference code for the payer to add on payment.
`bank_transfer.redirect_url`	URL of the full version of the ticket. In case you want to redirect.
`bank_transfer.user_payment_amount`	Amount the user needs to pay.
`bank_transfer.payment_instruction`	Instructions for making the payment.
`order_id`	ID of the payment given by the merchant in their system. Can retrieve payments based on this ID. (is not mandatory)
`notification_url`	URL where dLocal will send notifications associated to changes to this payment.