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Mercado Pago - Checkout Pro

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This page presents all information related to the Mercado Pago connection using the Checkout Pro as payment. Use the following buttons to navigate to the desired section.

General Information

Captures

Refunds

Voids

Installments

Chargebacks

Security

Testing Guidelines

Integration Configuration

Production Environment

Connecting with Yuno

Mandatory fields when integrating via Yuno:

first_name
last_name
email
items.id
items.title
items.quantity
items.unit_amount
country(transaction)

General information

Countries:

argentina-flag
Argentina
brazil-flag
Brazil
chile-flag
Chile
colombia-flag
Colombia
mexico-flag
Mexico
peru-flag
Peru
uruguay-flag
Uruguay

Currencies:

ARS, BRL, CLP, COP, MXN, PEN, UYU

Payment methods:

Credit card
Credit card
debit card
Debit card
Mercado Pago
Mercado Pago
Digital Wallet
Digital Wallet
Cash
Cash
PSE
PSE

Minimum amount:

Argentina
Credit card Mastercard, American Express, Naranja, Argencard, Cabal, Cencosud, Nativa Mastercard, Tarjeta Shopping: $ 1,00
Credit card Visa: $ 2,00 *
Pago Fácil y Rapipago: $ 50,00
Provincia NET Pagos: $ 1,00
Carga Virtual: $ 2,00
*Some credit cards don't accept installments of less than $ 1,00.

Brazil
Credit card: R$ 0,50 *
Account balance: R$ 0,01
MercadoPago card: R$ 0,50
Issuance of bank slip: R$4,00
PEC / Lottery Payment: R$4,00
*The minimum value might vary according to the number of selected installments. See that some credit cards don’t accept installments below R$5,00

Chile
Credit card: $ 1.000 *
Debit card Webpay: $ 950
Account balance: $ 1.000
Some credit cards don't accept installments of less than $ 1.000.

Colombia
Credit card Visa, Mastercard, American Express, Diners: $ 1.000
Davivienda: $1.600
Account balance: $1.000
Efecty: $5.000
PSE: $1.600

Mexico
Credit card Banamex, Bancomer, Amex and BanCoppel*:
  • Less than 1 installment: $ 10.00
  • More than 1 installment: $ 5.00
Credit card Banorte, Santander, Ixe, HSBC, Mifel, Inbursa, BanRegio, BanBajío, Invex, Banco Ahorro Famsa, Afirme and others:
  • Between 3 and 6 installments: $ 300
  • Between 9 and 18 installments: $ 500
Debit card (Visa and MasterCard): $ 5.00
Account balance: $ 5.00
Deposit and Bank Transfer: $ 10.00
OXXO: $ 10.00
*BanCoppel only applies 1 installment.

Peru
Credit and Debit Card: S/ 1.00
Account balance: S/ 1.00
Cash payments or by online banking, via PagoEfectivo: S/ 5.00

Uruguay
Debit card: $ 1,00
Credit card: $ 15,00
Account balance: $ 15,00
Cash in collection networks:
  • Redpagos: $ 1,00
  • Abitab: $ 50,00

Maximum amount:

Argentina
Credit card: $ 700.000,00
Pago Fácil y Rapipago: $ 200.000,00
Provincia NET Pagos: $ 29.999,00
Carga Virtual: $ 5.000,00

Brazil
Credit card: R$ 60.000,00
Account balance: R$1 million
MercadoPago card: R$ 60,000.00
Issuance of bank slip: R$100,000.00
PEC / Lottery Payment: R$2,000.00

Chile
Credit card: $ 7.000.000
Debit card Webpay: $ 3.000.000
Account balance: $ 7.000.000

Colombia
Credit card Visa, Mastercard, American Express, Diners: $ 30.000.000
Credit card Crédito Fácil Codensa: $ 5.000.000
Davivienda: $ 150.000.000
Account balance: $ 5.000.000
Efecty: $ 8.000.000

Mexico
Credit card and debit card Visa and MasterCard: $ 200,000.00
Account balance: $ 200,000.00
Deposit and bank transfer: $ 40,000.00
OXXO: $ 10,000.00

Peru
Credit and debit card: S/ 30,000 Account balance: S/ 30,000 Cash payments or by online banking, via PagoEfectivo: S/ 10,000

Uruguay
Credit card and Debit Card: $ 300.000,00
Account balance: $ 300.000,00
Cash in collection networks:
  • Redpagos: $ 150.000,00
  • Abitab: $ 150.000,00

TRX limit:

No, but it is important to report the estimated volume of a new integration to warn the technical teams about the sizing, if necessary.

Support of international BIN:

Yes, compatible with international credit and debit cards. The shopper pays the price of the product in the seller's currency, and the conversion is made by the financial institution responsible for issuing the payment (the seller always receives the financial transaction in the currency registered in his/her Mercado Pago account).

Activation of functionality:

There are many restrictions for international cards due to fraud prevention. Flexibility can be requested for certain merchants. However, payment approval, even with the flex engine, is very low due to bank rejection.

TRX without CVV:

Yes

Purchase TRX in 1-Step:

Supported in all countries.

Purchase TRX in 2-Step:

Supported in Argentina, Brasil, Mexico and Peru.

Support for recurrency:

No

Webhooks:

Yes

Captures

Partial capture:

Fully supported in Brazil, Mexico and Peru.
Supported for Visa, Cabal, Master and American Express in Argentina.
Not supported in other countries.

Multiple captures:

Not supported.

Maximum time to capture an authorization:

Argentina: 7 days.
Brazil: 5 days.
Mexico: 7 days.
Peru: 22 days.

Captures over the amount of authorization:

Not supported.

Refunds

Refund support:

Supported in all countries.

Partial refunds:

Supported in all countries.

Multiple refunds:

Supported in all countries.

Time to request refund:

Within 180 days of its approval date.

Time to process refund:

Argentina: 5-44 working days
Brazil: 7-10 working days
Chile: 10-13 working days
Colombia: 10-13 working days
Mexico: 3-31 working days
Peru: 7-9 working days
Uruguay: 5-44 working days

Voids

Void support:

Supported in all countries.

Void to authorization:

Yes

Void to refund:

No

Installments

Capability to define the installments when creating the payment:

Yes

GET endpoint available for retrieving the permitted BIN for the installments:

Yes, the API is payment_methods/installments.

Possibility to choose who will be responsible for financing of installments:

This configuration is requested in the previous commercial agreement between MercadoPago and the Merchant.

Deferral date availability:

No. The days of liberation of the money can be negotiated with the merchant.

Grace period:

No

Minimum number of installments (#months):

It depends on the configuration based on the commercial agreement between the merchant and Mercado Pago. Independently, each country has its "standard" configuration.

Maximum number of installments (#months):

It depends on the configuration based on the commercial agreement between the merchant and Mercado Pago. Independently, each country has its "standard" configuration.

Chargebacks

Notifications of chargebacks:

Yes

Defined period to make a chargeback:

In general, the buyer has up to 90 days, but there are exceptions.

Endpoint for disputes:

Yes, the chargeback API.

Maximum time to dispute a chargeback (provide evidence):

Argentina: 7 days
Brazil: 10 days
Chile: 7 days
Colombia: 7 days
Mexico: 7 days
Peru: 7 days
Uruguay: 7 days

Security

E3DS v2:

Work in progress.

Testing guidelines for sandbox environment

Necessary fields for testing:

Public Key and Access Token

Requirements to create a sandbox payment:

To create a payment on the sandbox environment you need to use an email ending with @test.user.com, such as [email protected].

Test cards Argentina:

Card Number Security code Expiration date
Mastercard 5031755734530604 123 11/25
Visa 4509953566233704 123 11/25
American Express 371180303257522 1234 11/25

Test cards Brazil:

Card Number Security code Expiration date
Mastercard 5031433215406351 123 11/25
Visa 4235647728025682 123 11/25
American Express 375365153556885 1234 11/25

Test cards Chile:

Card Number Security code Expiration date
Mastercard 5416752602582580 123 11/25
Visa 4168818844447115 123 11/25
American Express 375778174461804 1234 11/25

Test cards Colombia:

Card Number Security code Expiration date
Mastercard 5254133674403564 123 11/25
Visa 4013540682746260 123 11/25
American Express 374378187755283 1234 11/25

Test cards Mexico:

Card Number Security code Expiration date
Visa 4075595716483764 123 11/25

Test cards Peru:

Card Number Security code Expiration date
Mastercard 5031755734530604 123 11/25
Visa 4009175332806176 123 11/25
American Express 371180303257522 1234 11/25

Test cards Uruguay:

Card Number Security code Expiration date
Mastercard 5031755734530604 123 11/25
Visa 4509953566233704 123 11/25

Limitations/ Specifications for testing:

To test different payment results, fill in the desired status in the cardholder's name:
Payment Status Description
APRO Approved payment
OTHE Declined for general error
CONT Pending payment
CALL Declined with validation to authorize
FUND Declined for insufficient amount
SECU Declined for invalid security code
EXPI Declined due to due date issue
FORM Declined due to form error

Identity document for APRO and OTHE payment status:
Argentina: DNI of the test user
Brazil: (CPF) 12345678909
Chile: (otro) 123456789
Colombia: 123456789
Mexico: -
Peru: 123456789
Uruguay: (CI) 12345678 (otro) 123456789

Testing steps

In order to make a payment using Mercado Pago Checkout Pro, you should complete the following steps:

  1. Create Customer
  2. Create Checkout Session
  3. Create One Time Token / Get the token from SDK
  4. Create Payment

The response body of the Create Payment request will provide a redirect URL (payment_method.payment_method_detail.bank_transfer.redirect_url) to the Mercado Pago service. In this service, use your Mercado Pago account to complete the transaction. The following image shows the page the user will be redirected to:

For additional information, refer to the Mercado Pago documentation. However, as a summary, you need to follow the next steps:

  1. Create test users to use as a seller and as a customer while developing the integration. Mercado Pago uses these test users to replicate the production environment, and they can only interact with other test users. If you use a real account to pay a checkout created by a test user, you will receive an error message (invalid_users_involved).

📘

Tips

  • Always check if you are logged in with a real account before completing a payment. You SHOULD NOT use a real account to perform tests.
  • Add account money to the test user account while creating it.
  1. Get your API credentials and set them on Yuno´s dashboard while creating the payment method. If you do not have an application started yet, create one following to get your API keys.
  2. Both for enrollments with MercadoPago Wallet or payments with the Mercado Pago Checkout Pro, use the account money available for the test user or test cards provided by Mercado Pago to make a payment.

After creating your Mercado Pago user and performing the payment, you can use the Retrieve Payment by ID to check the payment status. If everything goes correctly, the Retrieve Payment by ID response will have a SUCCEEDED payment.status and a APPROVED payment.sub_status.

Integration configuration

Credentials and steps to obtain them:

They can be found in the Dashboard or in your Mercado Pago account by accessing to Your Business > Settings > Management and Administration > Credentials.
Test credentials: Public Key, Access Token
Production credentials: Public Key, Access Token, Client ID, Client Secret

Dashboard configuration:

  1. Log in to dashboard.y.uno.
  2. Click Connections and then select Mercado Pago.
  3. Click Connect.
  4. Introduce Name and Country
  5. Select Mercado Pago Checkout Pro as Payment Method
  6. Introduce the Access Token
  7. Configure Settings
  8. Click Connect

Configuration of webhooks in partner:

Via dashboard:
  1. Create an application on the homepage of your Dashboard.
  2. With the application created, go to the Webhook Notifications tab in your Dashboard and configure the production and test URLs from which notifications will be received.
  3. You will also be able to experiment and test if the indicated URL is receiving notifications correctly, being able to check the request, the response given by the server and the description of the event.
  4. If you need to identify multiple accounts, at the end of the indicated URL you can indicate the parameter ?customer=(sellername) endpoint to identify the sellers.
  5. Next, select the events for which you will receive notifications in json format via HTTP POST to the URL specified above. An event is any type of update to the reported object, including state or attribute changes.
Setup while creating payments:
  1. In the notification_url field, indicate the URL from which notifications will be received.
  2. Implement the notifications receiver.
If you want to receive notifications only from Webhook and not from IPN, you can add in the notification_url the parameter source_news=webhook. For example: https://www.yourserver.com/notifications?source_news=webhooks

Note: When you receive a notification on your platform, Mercado Pago expects a response to validate that you received it correctly. To do so, it must return a HTTP STATUS 200 (OK) or 201 (CREADO). If this response is not sent, it will be understood that you have not received the notification and a further attempt to send it will be made until you submit the response.

Production environment

Specific procedure for a merchant to go live:

If the merchant is part of a group of corporations that Mercado Pago follows up on a timely basis, a call should be made to validate the integration, review test payments in the Mercado Pago system, think about a progressive implementation method, etc.


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Updated about 2 months ago