For credit card payments you can use the card information only if you business is Full PCI DSS compliant. Otherwise you need to securely collect the card information using Smart Fields.
For recurring payments, first save the card, and then use the card_id to charge the card.
Important: If you are making a payment with credit card information or aGoogle Payâ„¢ token, you need to use the following endpoint:
https://api.dlocal.com/secure_payments
Card payments with a card_id or token should use the endpoint: https://api.dlocal.com/payments
Authorizing a card payment allows you to reserve funds in a customer's bank account, days before the actual payment occurs – for example when making hotel reservations or booking car rentals.
It's a two-step process. First you need to create an Authorization, and then you need to Capture it.