--- updatedAt: 2026-07-27T09:12:27.000Z agentTools: projectIndex: https://docs.dlocal.com/llms.txt --- # Virtual Accounts Learn how to start receiving virtual account payments. Virtual Accounts solutions are a modern and efficient way for merchants to streamline payment collection and reconciliation. A virtual account is a unique identifier, often resembling a bank account number, assigned to specific customers or sub-merchants. These accounts enable precise tracking of incoming payments, simplifying the process of matching funds with the correct virtual account holder. # Bank Virtual Accounts Fixed account numbers that are issued to specific merchants or customers and associated with a bank. The use cases for the bank virtual accounts are merchants with business customers, marketplace/platform merchants with sub-merchants, and merchants with retail customers.
[block:html] { "html": "\n\n \n \n Pestañas Verticales con Banderas\n \n\n\n\n
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Brazil


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Minimum Amount: 1 BRL

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Notification delay: Immediate

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Flow: REDIRECT, DIRECT

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Payment Method Type: BANK_TRANSFER

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Payment Method ID: FC

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Mexico


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Minimum Amount: 1 MXN

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Notification delay: Immediate

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Flow: REDIRECT, DIRECT

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Payment Method Type: BANK_TRANSFER

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Payment Method ID: FC

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Indonesia


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Minimum Amount: 1 IDR

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Notification delay: Immediate

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Flow: REDIRECT, DIRECT

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Payment Method Type: BANK_TRANSFER

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Payment Method ID: FC

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Philippines


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Minimum Amount: 1 PHP

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Notification delay: Immediate

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Flow: REDIRECT, DIRECT

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Payment Method Type: BANK_TRANSFER

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Payment Method ID: FC

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Nigeria


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Minimum Amount: 51 NGN

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Notification delay: Immediate

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Flow: REDIRECT, DIRECT

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Payment Method Type: BANK_TRANSFER

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Payment Method ID: FC

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Vietnam


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Minimum Amount: 1 VND

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Notification delay: Immediate

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Flow: REDIRECT, DIRECT

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Payment Method Type: BANK_TRANSFER

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Payment Method ID: FC

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\n\n\n\n" } [/block] # Cash Virtual Accounts Specialized account solutions that allow merchants to receive and reconcile payments made via cash deposits. These accounts are ideal for cash-driven markets where digital banking penetration may be limited and cash remains a primary payment method. By providing a unique reference for each sub-merchant or customer, these accounts enable efficient tracking and reconciliation of cash payments.
| `country` code | `currency` code | Flow | `payment_method_type` | `payment_method_id` | Minimum amount | | :------------: | :-------------: | :------------------: | :-------------------: | :-----------------: | :------------: | | `MX` | `MXN` | `DIRECT`/ `REDIRECT` | `TICKET` | OU | 1 MXN |
# Virtual accounts flows Learn about the account creation and payment flows.
## Account creation flow The flow consists of two steps. First, the account creation process: [block:image] { "images": [ { "image": [ "https://files.readme.io/562b9529b289b8c83a89a2e8c0ca52f2d821221259da4d02a2d644d5e4ad5620-Screenshot_2026-04-18_at_09.50.35.png", null, "" ], "align": "center" } ] } [/block]
### Request parameters [block:parameters] { "data": { "h-0": "Field", "h-1": "Type", "h-2": "Description", "h-3": "Required", "0-0": "`country`", "0-1": "String", "0-2": "Payment processing country code. ISO 3166-1 alpha-2 code.", "0-3": "Yes", "1-0": "`payment_method_id`", "1-1": "String", "1-2": "`FC`

ID of the selected payment method.", "1-3": "Yes", "2-0": "**Payer Object**", "2-1": "", "2-2": "", "2-3": "", "3-0": "`payer.name`", "3-1": "String", "3-2": "Name of the payer.", "3-3": "Yes", "4-0": "`payer.email`", "4-1": "String", "4-2": "Email of the payer.", "4-3": "Yes", "5-0": "`payer.phone`", "5-1": "String", "5-2": "Mobile phone number of the payer.", "5-3": "No", "6-0": "`payer.document`", "6-1": "String", "6-2": "Document of the payer.", "6-3": "Yes", "7-0": "`payer.ip`", "7-1": "String", "7-2": "IP of the payer.", "7-3": "No", "8-0": "`user_reference`", "8-1": "String", "8-2": "Unique user ID at the merchant side.", "8-3": "Ye" }, "cols": 4, "rows": 9, "align": [ "left", "left", "left", "left" ] } [/block]
### Example
Send a `POST` request to `https://api.dlocal.com/virtual-accounts` with the following body: ```json Account creation request example { "country": "MX", "payment_method_id": "FC", "payment_method_flow": "DIRECT", "payer": { "name": "Jane Doe", "user_reference": "301371669", "email": "jdoe@example.com", "phone": "+529848774040", "document": "99999999" } } ``` ```json Synchronous response example { "id": "75c7473a-ab86-4e43-bd39-c840268747d3", "country": "MX", "created_date": "2018-12-26T20:37:20.000+0000", "status": "CREATED", "status_detail": "The virtual account has been created", "status_code": "200", "virtual_bank_account": { "bank_code": "Arcus", "branch_code": "Arcus", "bank_account":"706180323360518000" }, "payer": { "name": "Jane Doe", "user_reference": "301371669", "email": "jdoe@example.com", "phone": "+529848774040", "document": "99999999" } } ```
## Payments flow Second, the notifications of payment accreditations: [block:image] { "images": [ { "image": [ "https://files.readme.io/7492bfadd4be3cb9e8e22a6096faaa11c16266b28d6c98ae3d61a3541f8b1fd5-Screenshot_2026-04-18_at_09.50.47.png", null, "" ], "align": "center" } ] } [/block]
### Notification example ```json VA Notification example { "id": "D-50217-6753b14d-9463-4833-ac47-b37ff42c1635", "amount": 300, "status": "PAID", "status_detail": "The payment was paid.", "status_code": "200", "currency": "MXN", "country": "MX", "payment_method_id": "FC", "payment_method_type": "BANK_TRANSFER", "payment_method_flow": "DIRECT", "payer": { "name": "Jane Doe", "user_reference": "301371669", "email": "jdoe@example.com", "document": "1634874961" }, "order_id": "56952682", "notification_url": "http://merchantsite.com/notification/new", "created_date": "2022-12-20T19:26:5yo t0.000+0000" } ```