Bank Transfers via dLocal

Accept bank transfer payments with dLocal as the payment service provider (PSP). The customer selects bank transfer, completes the transfer on the dLocal payment page and returns to your site.

Supported workflows

Before you begin

Complete these steps before you send your first bank transfer payment through dLocal:

Set up a dLocal integration in your workspace. Follow the dLocal integration setup guide if you don’t have one yet.
Ask dLocal to enable bank transfer on your dLocal account for each country where you accept it.
In the Payrails Portal, go to Settings → Integrations, open your dLocal integration, select BankTransfer under Payment methods, and save.
Add bank transfer as a payment option in your workflow.

Request fields for dLocal

Send these fields in the authorize request, in addition to the standard authorize fields. Payrails checks Required fields and returns an error when one is missing. Fields required by the PSP pass the Payrails checks but the PSP can decline the payment without them.

Field	Status	Description
`meta.customer.name`	Required	Sent to dLocal as the payer name, together with `meta.customer.lastName` when you send it.
`meta.customer.email`	Required	Sent to dLocal as the payer email.
`meta.customer.country.code`	Required	Sent to dLocal as the payment country, for example `NG` or `ZA`. dLocal offers the bank transfer of that country.
`amount.currency`	Required	Sent to dLocal unchanged. Use the local currency of the customer’s country, for example `NGN` for Nigeria or `ZAR` for South Africa.
`meta.customer.lastName`	Recommended	Added to the payer name.
`meta.clientContext.ipAddress`	Recommended	Sent to dLocal as the payer IP address.
`meta.customer.identityCardNumber`	Optional	Sent to dLocal as the payer document.
`meta.customer.phone`	Optional	Sent to dLocal as the payer phone number.
`meta.customer.reference`	Optional	Sent to dLocal as the payer user reference.
`meta.order.description`	Optional	Sent to dLocal as the payment description.
`meta.order.deliveryAddress` or `meta.order.billingAddress`	Optional	Sent to dLocal as the payer address. The delivery address takes priority.

Authorize a bank transfer payment

Call authorize a payment with bankTransfer as the paymentMethodCode. The response includes the redirect to the dLocal payment page.

Authorize request

{
  "amount": {
    "value": "5000.00",
    "currency": "NGN"
  },
  "paymentComposition": [
    {
      "integrationType": "api",
      "paymentMethodCode": "bankTransfer",
      "amount": {
        "value": "5000.00",
        "currency": "NGN"
      }
    }
  ],
  "meta": {
    "customer": {
      "name": "Chiamaka",
      "lastName": "Okafor",
      "email": "chiamaka.okafor@example.com",
      "country": {
        "code": "NG"
      }
    },
    "clientContext": {
      "ipAddress": "203.0.113.10"
    }
  },
  "returnInfo": {
    "success": "https://example.com/success",
    "error": "https://example.com/error"
  }
}

After the customer completes the transfer, dLocal returns them to your success or error URL. Confirm the result through webhook notifications or the execution status before you fulfill the order.

How dLocal handles bank transfers

Payrails sends bank transfer to dLocal for the country in meta.customer.country.code. The countries available to you depend on your dLocal account.
The payment stays pending until dLocal reports the result. If the customer doesn’t complete the transfer in time, dLocal expires the payment and Payrails marks it as failed.
Payrails records the payment method that dLocal reports in its response. In some countries dLocal processes the request through a local payment method, and the payment then shows that method.

Getting Started

Payment Orchestration

Token Vault

Analytics & Reporting

Fraud Management

Chargebacks

Monitoring

Resources

Use Cases

Bank Transfers via dLocal

Supported workflows

Before you begin

Request fields for dLocal

Authorize a bank transfer payment

How dLocal handles bank transfers

​Supported workflows

​Before you begin

​Request fields for dLocal

​Authorize a bank transfer payment

​How dLocal handles bank transfers

Supported workflows

Before you begin

Request fields for dLocal

Authorize a bank transfer payment

How dLocal handles bank transfers