Title: Simplifying Cross-Border Payments

In the web development industry, we often encounter similar challenges and rely on others' solutions as guidance to our work. In this post, we'll share our experience integrating the
D-Local payment platform for a client's website, enabling them to accept cross-border payments.

Background

D-Local is a financial technology company that specializes in providing cross-border payment processing services for businesses. The company's platform allows businesses to accept payments from customers in emerging markets, including Latin America, Asia, Africa, and the Middle East. In our case this was very useful because our client wanted to sell their product across Latin American markets.

Until this point, we did not communicate with D-Local in any way. This was all an internal workflow.

After the customer confirmed their details and clicked "continue," we sent a request to D-Local's API with the customer and payment information. D-Local generated the actual payment link, and the customer was redirected to the D-Local payment gateway.

Upon successful payment, the customer was redirected to a success message on the company's website. If the transaction failed, they were redirected to an error page.

Below is a diagram summarizing each of the steps involved in this development:

This is the structure of the function we have in our API that receives the request with the ID, payment information, DNI number and country and after sends the request to D-local API asking for the payment link.

1const axios = require("axios");
2const CryptoJS = require("crypto-js");
3
4const _getDLocalPaymentLink = async (uuid, payment, document, country) => {
5  const { student, course, amount, currency } = payment;
6  const { firstname, lastname, email } = student;
7
8  const xdate = new Date().toISOString();
9
10  // Get DLocal credentials for given country
11  const { DLOCAL_XLOGIN, DLOCAL_SECRET_KEY, DLOCAL_TRANS_KEY, DLOCAL_REDIRECT, DLOCAL_API_DOMAIN } =
12    process.env;
13
14  /** Generate order id based on environment */
15  const order_id = `TEST-ORDER-${Math.floor(Math.random() * 100000)}`;
16
17  /** Generate request payload */
18  const body = {
19    amount: amount,
20    currency: currency,
21    country,
22    payment_method_flow: 'REDIRECT',
23    payer: {
24      name: `${firstname} ${lastname}`,
25      email,
26      document,
27    },
28    order_id,
29    callback_url: DLOCAL_REDIRECT,
30    description: `Course: ${course.name}`,
31  };
32
33  /** Generate signature */
34  const signature = CryptoJS.HmacSHA256(
35    `${DLOCAL_XLOGIN}${xdate}${JSON.stringify(body)}`,
36    String(DLOCAL_SECRET_KEY)
37  );
38
39  /** Generate headers */
40  const headers = {
41    'Content-Type': 'application/json',
42    'X-Date': xdate,
43    'X-Login': DLOCAL_XLOGIN,
44    'X-Trans-Key': DLOCAL_TRANS_KEY,
45    'X-Version': '2.1',
46    'Authorization': `V2-HMAC-SHA256, Signature: ${signature.toString()}`,
47  };
48
49  try {
50    const response = await axios({
51      method: 'POST',
52      url: `https://${DLOCAL_API_DOMAIN}/payments`,
53      headers,
54      data: body,
55    });
56
57    return response.data;
58  } catch (error) {
59    return error.response.data;
60  }
61};