AI resources
Integrate Automatic Payments
Make recurring payments, frictionless one-time payments, and one-click payments without requesting the card CVV for each transaction.
Recurring payments without CVV
Automated charges
Advanced integration
Customized recurrence
What it offers
Automate billing processes with stored cards and increase your approval rate with card networks and issuers.
- Transactions processed automatically, without customer intervention.
- Recurring charges, scheduled debits, and subscriptions without buyer action.
- Automatic retries with a higher approval rate with card networks.
- Transactions completed with the payer present in the session.
- One-click purchases with a saved card, without re-entering payment details.
- Support for the first payment in subscriptions and future authorizations.
- Linking between past and present payments for greater card network confidence.
- Differentiation of legitimate charges from fraud attempts.
- Processing recognized by the leading card networks.
- Start billing with cards migrated from other providers without recapturing card data.
- Support for the Card on File flow for card vault migrations.
Merchant-initiated payments (MIT)
Customer-initiated payments (CIT)
Transaction identification with card networks
Card migration and Card on File
How it works
The buyer makes the first payment with the card present. The card is tokenized and securely stored. Subsequent payments can already be processed with the tokenized card, without requiring the CVV again.
- The buyer makes the first payment with the card present in the interface.
- The card is tokenized and securely stored in Mercado Pago.
- Subsequent payments can already be processed with the tokenized card, without requesting the CVV again.
Supported billing typesUnderstand the different automatic payment scenarios and choose the one that best fits your business model.
Transaction initiator
Transaction initiator
Customer — with the payer present in the sessionTransaction initiator
Merchant — without user interventionUse cases
Use cases
First subscription payment, one-click purchases, and future authorizationsUse cases
Recurring charges, automatic debits, and subscriptionsFrequency
Frequency
Recurring or event-basedFrequency
Recurring or event-basedPayment retries
Payment retries
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Payment retries
Available payment methods
Available payment methods
Credit and debit cards.Available payment methods
Credit and debit cards. How to integrate
Learn the steps to integrate Automatic Payments.
Prerequisites
- Mercado Pago accountYou need to have a Mercado Pago or Mercado Libre account. If you don't have one, click here to create one for free.
- Contact with Sales representativeYou need authorization from the Sales team to use this solution.
Integration process
- Check the prerequisites for the integration.
- Process recurring charges with stored cards.
- Configure Automatic Payments Messaging to correctly classify each transaction.
- Recover recurring payments and monitor approval rates.
- Test your integration in the sandbox environment.
flowchart TD
A[Prerequisites] --> B[Recurring charges]
B --> C[Payments messaging]
C --> D[Recover recurring payments]
D --> E[Test integration]
E --> F{Was the test successful?}
F -- No --> G[Fix configuration] --> E
F -- Yes --> H[Go to production]