Market specifications

Take a look of all the payment methods available.

Country reference Cards supported Alternative Payment Method supported

Cards

Find all the information about the card supported capabilities.

Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

Pago Efectivo BCP PayCash Payvalida Yape

Market specifications

Do you want to know more information about Peru's market? Go to the Peru’s economy and eCommerce market article.

Country reference

`country` code	`currency` code	`document` name	`document` format	`document` required?
`PE`	`PEN`	DNI	Between 8 to 9 digits	Yes

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VI`	Visa	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`VD`	Visa Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`MC`	Mastercard	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`MD`	Mastercard Debit	`CARD`	Debit Card	`DIRECT` `REDIRECT`
`CARD`	`AE`	American Express	`CARD`	Credit Card	`DIRECT` `REDIRECT`
`CARD`	`DC`	Diners Club	`CARD`	Credit Card	`DIRECT` `REDIRECT`

ℹ️
To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

`payment_method_id`	Name	`payment_method_type`	Details	Allowed Flows
`EF`	Pago Efectivo	`TICKET`	Cash Payments	`DIRECT` `REDIRECT`
`BC`	BCP	`BANK_TRANSFER`	Bank Transfer	`DIRECT` `REDIRECT`
`CY`	PayCash	`TICKET`	Cash Payments	`DIRECT` `REDIRECT`
`IO`	Payvalida	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`
`YP`	Yape	`WALLET`	eWallet	`REDIRECT`

Cards

Capabilities

	Visa Credit	Visa Debit	Mastercard Credit	Mastercard Debit	American Express	Diners Club
Minimum amount	5 PEN	5 PEN	5 PEN	5 PEN	5 PEN	1 PEN
Refunds	Yes	Yes	Yes	Yes	Yes	Yes
Recurring	Yes	Yes	Yes	Yes	Yes	Yes
Chargeback option	Yes	Yes	Yes	Yes	Yes	Yes
Chargeback Dispute option	Yes	Yes	Yes	Yes	Yes	Yes
Descriptor	Can be personalized, depending on the provider.	Can be personalized, depending on the provider.	Can be personalized, depending on the provider.	Can be personalized, depending on the provider.	Can be personalized, depending on the provider.	Can be personalized, depending on the provider.

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.

Alternative Payment Method

Pago Efectivo

Pago Efectivo was created with the aim to be the payment method to buy online and pay without a card. They created the CIP payment code to have the freedom to choose where and how to pay using the code.

Pago Efectivo is now widely used in Peru to pay their utility bills and purchases online, giving the user the ability to pay in cash, through bank transfers or with eWallets.

Capabilities

	Pago Efectivo
Min. amount	5 PEN
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PEN` Transaction currency in ISO 4217.	Yes
`country`	String	`PE` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`EF` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 1000,
    "currency": "PEN",
    "country": "PE",
    "payment_method_id": "EF",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "address": {
            "country": "PE",
            "state": "Lima",
            "city": "Lima",
            "zip_code": "88058",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "D-4-8f95110c-4fac-43q1-b0b1-8078165a385f",
    "amount": 1000,
    "currency": "PEN",
    "payment_method_id": "EF",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "PE",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "number": "165816703",
        "expiration_date": "2023-06-17T11:59:00.000+0000",
        "id": "EF-144059474",
        "barcode": "",
        "company_name": "DEMERGE PERU SAC",
        "image_url": "https://pay.dlocal.com/gmf-apm/payments/M-76d9d7bb-d3f8-40fb-befc-1cf5609de3fd",
        "amount": 1000,
        "currency": "PEN"
    },
    "created_date": "2023-06-14T15:38:09.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}

Example ticket

Page Efectivo UI built with the information in the example above.

User Interface Tips UI

✅
Provider's voucher
We strongly recommend using the ticket on the ticket.image_url. Peruvian users are very familiar with this ticket (example above) made by the provider itself, for every kind of purchase paid through Pago Efectivo. It includes:

Many payment options instructions.

Capability of sending the payment code through SMS.

Provider’s store locator.

If you still need to design your own ticket and you are using this payment method through a DIRECT integration, follow the tips below in order to make it easier for your customers to complete payments, boosting your conversion rates.

Element	Tip
Ticket Number	Name it as "Código de Pago (CIP)".
Provider's Name	Show the ticket.provider_name, as it is useful at the moment of paying through home banking.
Currency and Amount	Should be relevant elements in the ticket. Users need to have that information very clearly.
Currency Symbol	S/
Expiration date	Display this element clearly and visible enough. In Perú, the date format is DD/MM/YYYY.
Payment instructions	Although most users are familiarized with Pago Efectivo, it is a good practice to help those who are not. In the image above there is an example of instructions, but if needed, our team will be happy to help you with more personalized instructions.
Save button	It helps users to have their tickets always on their phones, making it needless to take notes or keep the browser open.
Print button	It is useful for some users who need to have their tickets printed.

BCP

BCP is the main bank in Peru with almost half of the market share. With this integration we allow users to make transfers with instant release.

Capabilities

	BCP
Min. amount	5 PEN
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PEN` Transaction currency in ISO 4217.	Yes
`country`	String	`PE` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`BC` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples


{
    "amount": 1000,
    "currency": "PEN",
    "country": "PE",
    "payment_method_id": "BC",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "address": {
            "country": "PE",
            "state": "Lima",
            "city": "Lima",
            "zip_code": "88058",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "D-4-192c9fe0-df89-4652-9074-26c4ce246c9f",
    "amount": 1000,
    "currency": "PEN",
    "payment_method_id": "BC",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "PE",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "number": "234592",
        "expiration_date": "2023-06-17T04:59:00.000+0000",
        "provider_logo": "https://static.dlocal.com/images/providers/bcp.png",
        "image_url": "https://pay.dlocal.com/gmf-apm/payments/M-3d6a968f-4432-4a64-8c44-c1947de21ec6",
        "amount": 1000,
        "currency": "PEN"
    },
    "created_date": "2023-06-12T15:39:23.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}

Example ticket

BCP UI built with the information in the example above.

PayCash

PayCash is a payment system enabled in the main commercial chains and banks in Latin America, which allows customers to receive and process cash payments and transfers immediately.

Capabilities

	PayCash
Min. amount	1 PEN
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`DIRECT` `REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PEN` Transaction currency in ISO 4217.	Yes
`country`	String	`PE` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`CY` ID of the selected payment method.	Yes
`payment_method_flow`	String	`DIRECT` or `REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 1000,
    "currency": "PEN",
    "country": "PE",
    "payment_method_id": "CY",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "address": {
            "country": "PE",
            "state": "Lima",
            "city": "Lima",
            "zip_code": "88058",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "D-4-ebb1004e-2235-482d-4re3-9bfaa76329d9",
    "amount": 1000,
    "currency": "PEN",
    "payment_method_id": "CY",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "PE",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "reference": 7041683843228415,
        "expiration_date": "2023-05-16T23:59:59.000+0000",
        "provider_name": "apm-paycash",
        "provider_logo": "logo",
        "image_url": "https://pay.dlocal.com/gmf-apm/payments/M-587ee067-rr43-42ed-a7ee-7221fe382163",
        "amount": 1000,
        "currency": "PEN"
    },
    "created_date": "2023-05-11T22:12:50.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}

Example ticket

PayCash UI built with the information in the example above.

Payvalida

Payvalida is a platform specializing in collections and online payments. It has a wide collection agent network throughout the country.

Capabilities

	Payvalida
Min. amount	5 PEN
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PEN` Transaction currency in ISO 4217.	Yes
`country`	String	`PE` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`IO` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 1000,
    "currency": "PEN",
    "country": "PE",
    "payment_method_id": "IO",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "address": {
            "country": "PE",
            "state": "Lima",
            "city": "Lima",
            "zip_code": "88058",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-50733a71-49fe-494a-556t-60f702e1369b",
    "amount": 1000,
    "currency": "PEN",
    "payment_method_id": "IO",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "PE",
    "created_date": "2023-07-10T19:33:11.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-8a290793-0afb-4946-er32-74f65baab83d"
}

Example ticket

Payvalida UI built with the information in the example above.

Yape

Yape is a mobile application used to transfer money using a mobile phone number.

Capabilities

	Yape
Min. amount	1 PEN
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic Yape redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`PEN` Transaction currency in ISO 4217.	Yes
`country`	String	`PE` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`YP` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 10,
    "currency": "PEN",
    "country": "PE",
    "payment_method_id": "YP",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "address": {
            "country": "PE",
            "state": "Lima",
            "city": "Lima",
            "zip_code": "88058",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-ed6de9d9-ee61-4cc0-6t54-86c2e0dfab99",
    "amount": 10,
    "currency": "PEN",
    "payment_method_id": "YP",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "PE",
    "created_date": "2023-10-24T13:29:55.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-continue/M-eecd4467-7uy6-4e7c-a907-25f7f94582c0"
}