Payment configuration

Get to know the necessary configurations before starting to accept payments.

Depending on your business and defined model, you will need to take actions such as creating a Liable account or setting up payment defaults, as well as defining payment processing rules before starting payments.

Create Liable accounts

Liable accounts are under your Platform account for the purpose of holding funds.

We support opening one or multiple Liable accounts for different purposes:

  • All kinds of fees between the Platform account and dLocal.
  • Commissions or services fees that the Platform account would like to charge from the users or the rewards needed to transfer to the users.
  • Refunds and chargebacks when funds are not enough in user accounts.

Account structure

The account structure could be like this:

Set payment defaults

We offer flexibility for deciding the default rules when processing payments. You have the option to configure which account will take care of the different steps regarding payment fees, refunds, and chargebacks.


You can choose all kinds of fees to be deducted from the User account or the Liable account.

ItemLiable accountUser account
Processing fee
Installment fee
Advancement fee


You can configure the User accounts or Liable accounts to be liable for the refund, as well as the refund fee.

ItemLiable accountUser account
Refund fee

When you choose a User account to be liable for the refund, you can specify the following actions:

  • Reject refund requests when there is an insufficient balance in the User account.
  • Route the charge from a Liable account.

Find more information on the Split refunds and chargebacks page.


ItemUser accountLiable account
Chargeback for full amounts
Chargeback fee


Please note that if the Splits Object has a requests conflicts with the configuration, it will override the account-level configuration.

Process payments

Once you have all the configurations defined, you can start processing payments.


Make a deeper dive into some step-by-step instructions and example to get started.

Split at sales Split at authorizations & captures Split refunds Split chargebacks

API Reference

Understand the technical details of the API and how to interact with it.

Split at sales Split at authorizations and captures