# Boleto

{% hint style="warning" %}
Before using the Boleto payment method, the shopper must attach a tax ID to the cart. See [Best practices](/commerce-api/payments/payments-solutions/digitalriver.js/payment-methods/configuring-boleto.md#best-practices) for instructions.
{% endhint %}

Digital River has partnered with PPRO, a payment aggregator, to provide Boleto Bancário. In Brazil, two-thirds of the 200 million population do not have a credit card; Boleto Bancário is highly popular, generating over 50 million monthly transactions. Local and regional merchants often offer discounts for Boleto Bancário payments as there is no chargeback risk, and payments are made upfront. After the shopper selects products or services, they go to the client's Checkout page to select Boleto Bancário. The client site generates the billing details as a print-optimized voucher. The shopper can pay at various locations with cash or via bank transfer. Once the payment is received, the client ships the purchase order. Boleto Bancário also facilitates online payments via bank transfer or payment card. 

Boleto Bancário provides the following benefits: 

* Boleto Bancário accounts for around 25% of all online payment transactions in Brazil, making this offering a must for business in Brazil. 
* There are thousands of ways a shopper can complete their Boleto payment in Brazil: ATMs, bank branches, online banking, post office, lottery agent, convenience store, or supermarkets. 
* Regarding online purchases, Boleto Bancário is especially popular for high-ticket items because many consumers still do not feel secure providing their payment details online. 

For [refunds](/commerce-api/admin-apis/refunds/managing-a-refund-for-a-delayed-payment-method.md), the shopper who paid for the original transaction will receive the refund amount. The bank account details for the refund must match the shopper's CPF/CNPJ tax ID. The bank account owner must be identical to the bank account owner of the original request.

Contact your Customer Success Manager and sign a Boleto addendum if you want to use Boleto.

## How to configure 

How you configure Bancontact depends on whether you're using [DigitalRiver.js with Elements](/commerce-api/payments/payments-solutions/digitalriver.js.md) or[ Drop-in payments](/commerce-api/payments/payments-solutions/drop-in.md). 

| DigitalRiver.js with Elements                                                                                         | Drop-in payments                                                                                                     |
| --------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------- |
| [Configuring Boleto](/commerce-api/payments/payments-solutions/digitalriver.js/payment-methods/configuring-boleto.md) | [Drop-in Payments Integration Guide](/commerce-api/payments/payments-solutions/drop-in/drop-in-integration-guide.md) |

## How it works

Boleto uses a [delayed payment flow](/commerce-api/payments/building-your-workflows/flows-by-payment-type.md#delayed-payment-flow).


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