Split refunds and chargebacks

Learn how to handle split refunds and chargebacks.

Split refunds

Refunds rules

You can choose the account that will be liable for the refund.

  • It is a common practice to hold User accounts responsible for any refunds. We will withdraw the funds from the accounts that are specified in the Splits Object. Full-amount refunds and partial refunds are both supported.
  • Alternatively, you can choose the Liable account to be charged for the refund. We will perform an automatic transfer from the User account to the Liable account. The funds will eventually be charged from the Liable account.

Make sure the Splits Object is included in the API request.

Example request

$ curl -X POST \
    -H 'X-Date: 2018-02-20T15:44:42.310Z' \
    -H 'X-Login: sak223k2wdksdl2' \
    -H 'X-Trans-Key: fm12O7G9' \
    -H 'X-Version: 2.1' \
    -H 'User-Agent: MerchantTest / 1.0 ' \
    -H 'Content-Type: application/json' \
    -H 'Authorization: V2-HMAC-SHA256, Signature: 1bd227f9d892a7f4581b998c21e353b1686a6bdad5940e7bb6aa596c96e0a6ec' \

    "payment_id" : "D-4-80ca7fbd-67ad-444a-aa88-791ca4a0c2b2",
    "amount": 45.00,
    "currency": "BRL",
            "account_id": "d907f733-5e17-4470-b963-165ktbkdkrk23",
            "amount": 20.00
            "account_id": "d8977365-5e17-4470-b963-c2ac2c11a440",
            "amount": 20.00        
            "account_id": "afg89902-5e17-4470-b963-452ac2c11a477",
            "amount": 5.00       
    "notification_url": "http://merchantsite.com/notification"


All about refunds

Refunds is a service of the Payins solutions. For more payment information, visit the Refunds page.

Split chargebacks

In the event of a chargeback, we offer you various options:

  • We recommended setting up a Liable account for both full and partial chargebacks by default.
  • You can still choose User accounts to be liable:
    • If it's a full amount chargeback, we will debit the original amount from the User accounts sent in the payment requests.
    • If it's a partial chargeback, we will have to debit the Liable account as we can't know which accounts should be liable for it.

Once dLocal receives the chargebacks from the card scheme, we will notify you with the information about the split.


When we receive a chargeback from the bank, we will charge the accounts immediately. Please follow the standard procedures to handle the chargebacks. If you win the chargeback, we will credit the amount back to the accounts.