When integrating with Local Issuing, an 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

🚧
This information is specific to Local Issuing solution. If you require information on the authorization flow of Payins, please refer to the Authorization and capture article.

The Authorization Object

Request Attributes

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

{ 
    "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" }, 
    "settlement": { 
        "amount": 1.86, 
        "currency": "USD", 
        "exchange_rate": 118.24}
 }

{
  "status": "APPROVED",
  "status_detail": "APPROVED",
  "merchant_reference": "100002"
}

Payload examples

Purchase

{ 
    "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

{ 
        "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

{ 
        "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}
 }