Requirements per industry

Find all the required information about your industry and business model.

Products

dLocal offers fraud products which are:

Smart Defense

Smart Defense is an integral solution for fraud prevention. We analyze the risk of each of the transactions by combining ML models, custom rules and a team specialized in fraud in emerging countries, reducing the chargebacks rates of our merchants and increasing conversion.

Chargeback Guarantee

Chargeback Guarantee service combines our fraud prevention intelligence with 100% coverage of all fraud-related chargebacks.

Information types

To ensure fraudulent transactions are stopped while legitimate transactions are correctly identified and allowed for processing, it is always recommended to share as much information as possible related to the transactions.

For some industries, there are some specific data points that are most effective for fraud prevention/identification. We have compiled a list of the required and recommended data points below, using the following criteria:

  • ✅ Required information. This is mandatory information that needs to be detailed in each transaction. Not sharing this information will severely impact the fraud detection capabilities.
  • 🔹 Additional information. This is information that can best enhance the fraud detection capabilities for the industry.

📘

Important

The more information the payment has, the more chargebacks and disputes are reduced and long-term conversion rates are maintained or improved.

Required Information

In order to obtain the best results, it is required that as much information as possible be provided in the Payment API call. Required payment information used for fraud prevention includes the following:

PropertyRequiredDescription
nameUser's full name.
emailUser’s email address.
phoneUser’s phone.
documentUser’s personal indentification number.​
user_referenceUnique user ID at the merchant side.
addressUser’s address.
ipUser's IP address.
device_idUser's unique device identifier, for information on how to obtain the device_id see the Device ID documentation.​
holder_nameCardholder's full name.

Example payment with mandatory information


{
    "amount": 399.80,
    "currency" : "USD",
    "country": "BR",
    "payment_method_id" : "CARD",
    "payment_method_flow" : "DIRECT",
    "payer":{
        "name" : "Thiago Gabriel",
        "email" : "[email protected]",
        "document" : "53033315550",
        "user_reference": "12345",
        "address": {
            "state"  : "Rio de Janeiro",
            "city" : "Volta Redonda",
            "zip_code" : "27275-595",
            "street" : "Servidao B-1",
            "number" : "1106"
        },
    "ip" : "2001:0db8:0000:0000:0000:ff00:0042:8329",
    "device_id" : "2fg3d4gf234"
    },
    "card":{
        "holder_name" : "Thiago Gabriel",
        "number" : "4111111111111111",
        "cvv" : "123",
        "expiration_month" : 10,
        "expiration_year" : 2040
    },
    "order_id": "657434343",
    "notification_url": "http://merchant.com/notifications"
}

Industry requirements

The following lists serve as a guideline indicating the required and recommended fields per industry. In some cases some fields may not apply, depending on your business model.

IndustryRelated industries
​Gaming​Advertising, Ridesharing, Social, Dating, and Transport.
​​Recurring / subscription​​Education, Antivirus, Hosting, Education, Streaming, and Healthcare.
​​Retail​​Marketplace and Delivery.
​​SaaS​​PSP, Wallet, Money remittance, Investing/Financial services, IT Services, Software/Apps, Payroll, Prepaid cards, Donations, and Others.
​​​Travel​​​Travel.

Gaming

Industry related to the development, marketing, and monetization of video games and digital assets.

It also applies to Advertising, Ridesharing, Social, Dating, and Transport.

Example payment

{
    "amount": 120.00,
    "currency": "USD",
    "country": "BR",
    "payment_method_id": "CARD",
    "payment_method_flow": "DIRECT",
    "payer":{
        "name": "Thiago Gabriel",
        "email": "[email protected]",
        "document": "53033315550",
        "user_reference": "12345",
        "phone": "5512345678901",
        "address": {
            "state": "Rio de Janeiro",
            "city": "Volta Redonda",
            "zip_code": "27275-595",
            "street": "Servidao B-1",
            "number": "1106"
        },
        "ip" : "2001:0db8:0000:0000:0000:ff00:0042:8329",
        "device_id" : "2fg3d4gf234"
    },
    "card":{
        "holder_name": "Thiago Gabriel",
        "number": "4111111111111111",
        "cvv": "123",
        "expiration_month": 10,
        "expiration_year": 2040
    },
    "order_id": "657434343",
    "notification_url": "http://merchant.com/notifications",
    "additional_risk_data": {
        "basket": [
            {
                "unit_price": 199.90,
                "brand": "Smoogle",
                "category": "Smartphone",
                "item_reference": "SP-562138",
                "upc": "1758929364928",
                "manufacturer": "Smoogle",
                "product_name": "Pexel 25",
                "quantity": 2,
                "subcategory": "Droid smartphones"
            }
        ],
        "payer" : {
            "email_is_valid": true,
            "phone_is_valid": false,
            "account_creation_date": "20201110",
            "first_purchase_date": "20201110"
        },
        "purchase": {
            "is_retry": false
        },
        "device": {
            "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/86.0.4240.198 Safari/537.36",
            "geolocation" : "-34.8798853,-56.1867859",
            "locale": "en-US",
            "event_uuid": "ab825a72-62c3-4df5-9886-25c75856fac7"
        }
     }
  }

Recurring/Subscription

This industry includes merchants who offer a product or service in exchange for a recurring fee charged at scheduled intervals (monthly, quarterly, or yearly).

It also applies to Education, Antivirus, Hosting, Education, Streaming and, Healthcare.

Example payment

{
    "amount": 399.80,
    "currency": "USD",
    "country": "BR",
    "payment_method_id": "CARD",
    "payment_method_flow": "DIRECT",
    "payer":{
        "name": "Thiago Gabriel",
        "email": "[email protected]",
        "document": "53033315550",
        "user_reference": "12345",
        "phone": "5512345678901",
        "address": {
            "state": "Rio de Janeiro",
            "city": "Volta Redonda",
            "zip_code": "27275-595",
            "street": "Servidao B-1",
            "number": "1106"
        },
        "ip" : "2001:0db8:0000:0000:0000:ff00:0042:8329",
        "device_id" : "2fg3d4gf234"
    },
    "card":{
        "holder_name": "Thiago Gabriel",
        "number": "4111111111111111",
        "cvv": "123",
        "expiration_month": 10,
        "expiration_year": 2040
    },
    "order_id": "657434343",
    "notification_url": "http://merchant.com/notifications",
    "additional_risk_data": {
        "basket": [
            {
                "unit_price": 199.90,
                "brand": "Smoogle",
                "category": "Smartphone",
                "item_reference": "SP-562138",
                "upc": "1758929364928",
                "manufacturer": "Smoogle",
                "product_name": "Pexel 25",
                "quantity": 2,
                "subcategory": "Droid smartphones"
            }
        ],
        "payer" : {
            "email_is_valid": true,
            "phone_is_valid": false,
            "account_creation_date": "20201110",
            "first_purchase_date": "20201110"
        },
        "purchase": {
            "is_retry": false
        },
        "device": {
            "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/86.0.4240.198 Safari/537.36",
            "geolocation" : "-34.8798853,-56.1867859",
            "locale": "en-US",
            "event_uuid": "ab825a72-62c3-4df5-9886-25c75856fac7"
        }
     }
  }

Retail

This industry includes merchants who sell physical goods to end users.

It also applies to Marketplace and Delivery.

LocationPropertyDescription
payername
payeremail
payerphone
payerdocument
payeruser_reference
payeraddress
payerip
payerdevice_id
cardholder_name
​additional_risk_data​submerchant
​additional_risk_data.submerchant​​merchant_reference
​additional_risk_data.submerchant​​name
​additional_risk_data.submerchant​​website🔹
​additional_risk_data.submerchant​​industry🔹
​additional_risk_data.submerchant​​document🔹
​additional_risk_data.submerchant​​nationality🔹
​additional_risk_data.submerchant​​email🔹
​additional_risk_data.submerchant​​username🔹
​additional_risk_data.submerchant​​phone🔹
​additional_risk_data.submerchant​​created_date🔹
​additional_risk_data​shipping
​additional_risk_data.shipping​​address
​additional_risk_data.shipping​​delivery_company
​additional_risk_data.shipping​​geolocation
​additional_risk_data.shipping​​cost🔹
​additional_risk_data.shipping​​method🔹
​additional_risk_data.shipping​​is_forwarding_address🔹
​additional_risk_data​basket
​additional_risk_data​.basket​unit_price
​additional_risk_data​.basket​brand
​additional_risk_data​.basket​category
​additional_risk_data.basket​​item_preference
​additional_risk_data​.basket​product_name
​additional_risk_data.basket​​quantity
​additional_risk_data​.basket​upc🔹
​additional_risk_data.basket​​manufacturer🔹
​additional_risk_data.basket​​published_date🔹
​additional_risk_data.basket​​rating🔹
​additional_risk_data​payer
​additional_risk_data​.payer​email_is_valid
​additional_risk_data​.payer​phone_is_valid
​additional_risk_data​.payer​account_creation_date🔹
​additional_risk_data​.payer​first_purchase_date🔹
​additional_risk_data​.payer​is_positive🔹
​additional_risk_data​.payer​total_order_count🔹
​additional_risk_data​.payer​total_order_amount🔹
​additional_risk_data​device
​additional_risk_data.device​user_agent
​additional_risk_data.device​geolocation
​additional_risk_data.device​event_uuid
​additional_risk_data.device​locale🔹
​additional_risk_data​beneficiary🔹
​additional_risk_data.beneficiary​​email🔹
​additional_risk_data.beneficiary​​name🔹
​additional_risk_data.beneficiary​​phone🔹
​additional_risk_data.beneficiary​​document🔹
​​additional_risk_data.purchase​​is_retry🔹

Example payment

{
    "amount": 399.80,
    "currency": "USD",
    "country": "BR",
    "payment_method_id": "CARD",
    "payment_method_flow": "DIRECT",
    "payer":{
        "name": "Thiago Gabriel",
        "email": "[email protected]",
        "document": "53033315550",
        "user_reference": "12345",
        "phone": "5512345678901",
        "address": {
            "state": "Rio de Janeiro",
            "city": "Volta Redonda",
            "zip_code": "27275-595",
            "street": "Servidao B-1",
            "number": "1106"
        },
        "ip" : "2001:0db8:0000:0000:0000:ff00:0042:8329",
        "device_id" : "2fg3d4gf234"
    },
    "card":{
        "holder_name": "Thiago Gabriel",
        "number": "4111111111111111",
        "cvv": "123",
        "expiration_month": 10,
        "expiration_year": 2040
    },
    "order_id": "657434343",
    "notification_url": "http://merchant.com/notifications",
    "additional_risk_data": {
        "submerchant": {
            "merchant_reference": "12534",
            "name": "Submerchant name",
            "website": "https://www.submerchant.com",
            "industry": 17,
            "document": "15236713521",
            "nationality": "BR",
            "email": "[email protected]",
            "username": "submerchant_username",
            "phone": "123456712345",
            "created_date": "20210311"
        },
        "shipping": {
            "address": {
                "state": "Montevideo",
                "city": "Montevideo",
                "zip_code": "11300",
                "street": "Avda. Brasil",
                "number": "1234 Ap. 501"
            },
            "cost": 12.34,
            "delivery_company": "FadEx",
            "method": "FREE",
            "is_forwarding_address": false,
            "geolocation": "-34.8798853,-56.1867859"
        },
        "beneficiary": {
            "email": "[email protected]",
            "name": "John Doe",
            "phone": "09671268364",
            "document": "513672561"
        },
        "basket": [
            {
                "unit_price": 199.90,
                "brand": "Smoogle",
                "category": "Smartphone",
                "item_reference": "SP-562138",
                "upc": "1758929364928",
                "manufacturer": "Smoogle",
                "product_name": "Pexel 25",
                "quantity": 2,
                "published_date": "20201113",
                "rating": 4.5
            }
        ],
        "payer" : {
            "email_is_valid": true,
            "phone_is_valid": false,
            "account_creation_date": "20201110",
            "first_purchase_date": "20201110",
            "is_positive": false,
            "total_order_count": 12,
            "total_order_amount": 152.03
        },
        "purchase": {
            "is_retry": false
        },
        "device": {
            "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/86.0.4240.198 Safari/537.36",
            "geolocation" : "-34.8798853,-56.1867859",
            "locale": "en-US",
            "event_uuid": "ab825a72-62c3-4df5-9886-25c75856fac7"
        }
     }
  }

SaaS

Industry related to the software distribution model in which a cloud provider hosts applications and makes them available to end users over the internet.

It also applies to PSP, Wallet, Money remittance, Investing/Financial services, IT Services, Software/Apps, Payroll, Prepaid cards, Donations, and Others.

LocationPropertyDescription
payername
payeremail
payerphone
payerdocument
payeruser_reference
payeraddress
payerip
payerdevice_id
cardholder_name
​additional_risk_data​submerchant
​additional_risk_data.submerchant​​merchant_reference
​additional_risk_data.submerchant​​name
​additional_risk_data.submerchant​​website🔹
​additional_risk_data.submerchant​​industry🔹
​additional_risk_data.submerchant​​document🔹
​additional_risk_data.submerchant​​nationality🔹
​additional_risk_data.submerchant​​email🔹
​additional_risk_data.submerchant​​username🔹
​additional_risk_data.submerchant​​phone🔹
​additional_risk_data.submerchant​​created_date🔹
​additional_risk_data​payer
​additional_risk_data​.payer​email_is_valid
​additional_risk_data​.payer​phone_is_valid
​additional_risk_data​.payer​account_creation_date
​additional_risk_data​.payer​first_purchase_date
​additional_risk_data​.payer​is_positive
​additional_risk_data​.payer​last_order_id🔹
​additional_risk_data​.payer​total_order_count🔹
​additional_risk_data​.payer​total_order_amount🔹
​additional_risk_data​.payer​last_updated_date🔹
​additional_risk_data​.payer​reputation🔹
additional_risk_datapurchase🔹
​​additional_risk_data.purchase​​is_retry
​​additional_risk_data.purchase​​channel🔹
​additional_risk_data​device
​additional_risk_data.device​user_agent
​additional_risk_data.device​geolocation
​additional_risk_data.device​event_uuid
​additional_risk_data.device​locale
​additional_risk_data.shipping​​is_physical🔹
​additional_risk_data.shipping​​address🔹
​additional_risk_data.shipping​​cost🔹
​additional_risk_data.shipping​​delivery_company🔹
​additional_risk_data.shipping​​method🔹
​additional_risk_data.shipping​​delivery_date🔹
​additional_risk_data.shipping​​is_forwarding_address🔹
​additional_risk_data.shipping​​geolocation🔹
​additional_risk_data​beneficiary🔹
​additional_risk_data.beneficiary​email🔹
​additional_risk_data.beneficiary​name🔹
​additional_risk_data.beneficiary​phone🔹
​additional_risk_data.beneficiary​document🔹
​additional_risk_data​basket🔹
​additional_risk_data​.basket​unit_price🔹
​additional_risk_data​.basket​brand🔹
​additional_risk_data​.basket​category🔹
​additional_risk_data.basket​​item_reference🔹
​additional_risk_data.basket​​subcategory🔹
​additional_risk_data.basket​​rating🔹
​additional_risk_data.basket​​count_reviews🔹
​additional_risk_data​.basket​subscription
​additional_risk_data​.basket​.subscription​id
​additional_risk_data​.basket​.subscription​period
​additional_risk_data​.basket​.subscription​current_period
​additional_risk_data​.basket​.subscription​end_date
​additional_risk_data.discount_codes​percentage🔹
​additional_risk_data.discount_codes​code🔹
​additional_risk_data.discount_codes​valid_until🔹
​additional_risk_data.discount_codes​description🔹

Example payment

{
    "amount": 399.80,
    "currency": "USD",
    "country": "BR",
    "payment_method_id": "CARD",
    "payment_method_flow": "DIRECT",
    "payer":{
        "name": "Thiago Gabriel",
        "email": "[email protected]",
        "document": "53033315550",
        "user_reference": "12345",
        "phone": "5512345678901",
        "address": {
            "state": "Rio de Janeiro",
            "city": "Volta Redonda",
            "zip_code": "27275-595",
            "street": "Servidao B-1",
            "number": "1106"
        },
        "ip" : "2001:0db8:0000:0000:0000:ff00:0042:8329",
        "device_id" : "2fg3d4gf234"
    },
    "card":{
        "holder_name": "Thiago Gabriel",
        "number": "4111111111111111",
        "cvv": "123",
        "expiration_month": 10,
        "expiration_year": 2040
    },
    "order_id": "657434343",
    "notification_url": "http://merchant.com/notifications",
    "additional_risk_data": {
        "submerchant": {
            "merchant_reference": "12534",
            "name": "Submerchant name",
            "website": "https://www.submerchant.com",
            "industry": 17,
            "document": "15236713521",
            "nationality": "BR",
            "email": "[email protected]",
            "username": "submerchant_username",
            "phone": "123456712345",
            "created_date": "20210311"
        },
        "shipping": {
            "address": {
                "state": "Montevideo",
                "city": "Montevideo",
                "zip_code": "11300",
                "street": "Avda. Brasil",
                "number": "1234 Ap. 501"
            },
            "is_physical": true,
            "cost": 12.34,
            "delivery_company": "FadEx",
            "method": "FREE",
            "delivery_date": "20211020",
            "is_forwarding_address": false,
            "geolocation": "-34.8798853,-56.1867859"
        },
        "beneficiary": {
            "email": "[email protected]",
            "name": "John Doe",
            "phone": "09671268364",
            "document": "513672561"
        },
        "basket": [
            {
                "unit_price": 199.90,
                "brand": "Smoogle",
                "category": "Smartphone",
                "item_reference": "SP-562138",
                "subcategory": "Droid smartphones",
                "rating": 4.5,
                "count_reviews": 13,
                "subscription": {
                    "id": "A15-D267125367",
                    "period": "P1M",
                    "current_period": 3,
                    "end_date": "20220101" 
                }
            }
        ],
        "payer" : {
            "email_is_valid": true,
            "phone_is_valid": false,
            "account_creation_date": "20201110",
            "first_purchase_date": "20201110",
            "is_positive": false,
            "last_order_id": "1525634152634",
            "total_order_count": 12,
            "total_order_amount": 152.03,
            "last_updated_date": "20201020",
            "reputation": 5
        },
        "purchase": {
            "is_retry": false,
            "channel": "WEB"
        },
        "discount_codes": [
            {
                "percentage": 20,
                "code": "PROMO20OFF",
                "valid_until": "20211130",
                "description": "20% off Smoogle products"
            }
        ],
        "device": {
            "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/86.0.4240.198 Safari/537.36",
            "geolocation" : "-34.8798853,-56.1867859",
            "locale": "en-US",
            "event_uuid": "ab825a72-62c3-4df5-9886-25c75856fac7"
        }
     }
  }

Travel

Industry related to providing services associated to travel, such as transport and lodging.

LocationPropertyDescription
payername
payeremail
payerphone
payerdocument
payeruser_reference
payeraddress
payerip
payerdevice_id
cardholder_name
​additional_risk_data.travel​​flight🔹
​additional_risk_data.travel​​.flight​itinerary
​additional_risk_data.travel​​.flight​passengers🔹
​additional_risk_data.travel​​.flight​.itinerary​flight_code
​additional_risk_data.travel​​.flight​.itinerary​departure_time
​additional_risk_data.travel​​.flight​.itinerary​arrival_time
​additional_risk_data.travel​​.flight​.itinerary​reservation_code🔹
​additional_risk_data.travel​​.flight​.itinerary​departure🔹
​additional_risk_data.travel​​.flight​.itinerary​destination🔹
​additional_risk_data.travel​​.flight​.itinerary​amount🔹
​​additional_risk_data.travel​lodging
​​​additional_risk_data.travel.lodging​​country
​​​additional_risk_data.travel.lodging​​city
​​​additional_risk_data.travel.lodging​​check_in_date
​​​additional_risk_data.travel.lodging​​check_out_date
​​​additional_risk_data.travel.lodging​​rooms🔹
​​​additional_risk_data.travel.lodging​​amount🔹
​​​additional_risk_data.travelcar_rental
​​​​additional_risk_data.travel.car_rental​pickup_date
​​​​additional_risk_data.travel.car_rental​return_date
​​​​additional_risk_data.travel.car_rental​return_city
​​​​additional_risk_data.travel.car_rental​return_country
​​​​additional_risk_data.travel.car_rental​pickup_city🔹
​​​​additional_risk_data.travel.car_rental​pickup_country🔹
​​​​additional_risk_data.travel.car_rental​rental_charges🔹
​​​​additional_risk_data.travel.car_rental​merchant_reference🔹

Example payment

{
    "amount": 399.80,
    "currency": "USD",
    "country": "BR",
    "payment_method_id": "CARD",
    "payment_method_flow": "DIRECT",
    "payer":{
        "name": "Thiago Gabriel",
        "email": "[email protected]",
        "document": "53033315550",
        "user_reference": "12345",
        "phone": "5512345678901",
        "address": {
            "state": "Rio de Janeiro",
            "city": "Volta Redonda",
            "zip_code": "27275-595",
            "street": "Servidao B-1",
            "number": "1106"
        },
        "ip" : "2001:0db8:0000:0000:0000:ff00:0042:8329",
        "device_id" : "2fg3d4gf234"
    },
    "card":{
        "holder_name": "Thiago Gabriel",
        "number": "4111111111111111",
        "cvv": "123",
        "expiration_month": 10,
        "expiration_year": 2040
    },
    "order_id": "657434343",
    "notification_url": "http://merchant.com/notifications",
    "additional_risk_data": {
        "submerchant": {
            "merchant_reference": "12534"
            }
        },
        "travel": {
            "car_rental": [
                {
                    "pickup_city": "Montevideo",
                    "pickup_country": "UY",
                    "pickup_date": "20210312",
                    "rental_charges": 15.03,
                    "return_city": "Buenos Aires",
                    "return_country": "AR",
                    "return_date": "20210320"
                }
            ],
            "flight": {
                "itinerary": {
                    "flight_code": "AR138",
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                "passengers": [
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                        "date_of_birth": "19890703",
                        "ffp_ID": "ABC3454",
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                {
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                    "check_in_date": "20210314",
                    "check_out_date": "20210318",
                    "city": "Montevideo",
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                    "rooms": 1
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    }