Other payment methods - Integration configuration - Mercado Pago Developers
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Other payment methods

With Mercado Pago's Checkout API, it is also possible to offer payments with Efecty.

In addition to the options available in this documentation, it is also possible to integrate other payment methods using the Payment Brick. Check Default rendering documentation of Payment for more details.

To get a detailed list of all payment methods available for integration, send a GET with your Access token to the endpoint /v1/payment_methods and run the request or, if you prefer, make the request using the SDKs below.

  use MercadoPago\MercadoPagoConfig;


  $client = new PaymentMethodClient();
  $payment_method = $client->get();


import { MercadoPagoConfig, PaymentMethods } from 'mercadopago';

const client = new MercadoPagoConfig({ accessToken: 'access_token' });
const paymentMethods = new PaymentMethods(client);

paymentMethods.get().then((result) => console.log(result))
  .catch((error) => console.log(error));


PaymentMethodClient client = new PaymentMethodClient();

require 'mercadopago'
sdk = Mercadopago::SDK.new('ENV_ACCESS_TOKEN')

payment_methods_response = sdk.payment_methods.get()
payment_methods = payment_methods_response[:response]

using MercadoPago.Client.PaymentMethod;
using MercadoPago.Config;
using MercadoPago.Resource;
using MercadoPago.Resource.PaymentMethod;

MercadoPagoConfig.AccessToken = "ENV_ACCESS_TOKEN";

var client = new PaymentMethodClient();
ResourcesList<PaymentMethod> paymentMethods = await client.ListAsync();

import mercadopago
sdk = mercadopago.SDK("ACCESS_TOKEN")

payment_methods_response = sdk.payment_methods().list_all()
payment_methods = payment_methods_response["response"]

curl -X GET \
    -H 'accept: application/json' \
    -H 'content-type: application/json' \
    -H 'Authorization: Bearer ENV_ACCESS_TOKEN' \
    'https://api.mercadopago.com/v1/payment_methods' \


To offer Efecty payments, please follow the steps below.

Import MercadoPago.js

To perform the Checkout API integration, you need to capture the necessary data to process the payment.

This capture is made by including the MercadoPago.js library in your project, followed by the payment form. Use the code below to import the library before adding the payment form.

  <script src="https://sdk.mercadopago.com/js/v2"></script>

npm install @mercadopago/sdk-js


Configure credentials

Credentials are unique passwords with which we identify an integration in your account. They are made to capture payments in virtual stores and other applications securely.

This is the first step of a complete code structure that must be followed for the correct integration of the payment flow. Pay attention to the blocks below to add to the codes as indicated.

  const mp = new MercadoPago("YOUR_PUBLIC_KEY");

import { loadMercadoPago } from "@mercadopago/sdk-js";

await loadMercadoPago();
const mp = new window.MercadoPago("YOUR_PUBLIC_KEY");


Add payment form

With the MercadoPago.js library included, add the payment form below to your project to ensure the secure capture of buyer data. In this step, it is important to use the list you consulted to obtain the available payment methods to create the payment options you want to offer.

  <form id="form-checkout" action="/process_payment" method="post">
        <label for="payerFirstName">Name</label>
        <input id="form-checkout__payerFirstName" name="payerFirstName" type="text">
        <label for="payerLastName">Last name</label>
        <input id="form-checkout__payerLastName" name="payerLastName" type="text">
        <label for="email">E-mail</label>
        <input id="form-checkout__email" name="email" type="text">
        <label for="identificationType">Type of document</label>
        <select id="form-checkout__identificationType" name="identificationType" type="text"></select>
        <label for="identificationNumber">Document number</label>
        <input id="form-checkout__identificationNumber" name="identificationNumber" type="text">

        <input type="hidden" name="transactionAmount" id="transactionAmount" value="100">
        <input type="hidden" name="description" id="description" value="Nome do Produto">
        <button type="submit">Pay</button>


Get document types

After configuring the credential, it is necessary to obtain the types of documents that will be part of filling out the payment form.

By including the element of type select with the id: id = docType that is on the form, it will be possible to automatically fill in the available options when calling the following function:

(async function getIdentificationTypes() {
try {
const identificationTypes = await mp.getIdentificationTypes();
const identificationTypeElement = document.getElementById('form-checkout__identificationType');

createSelectOptions(identificationTypeElement, identificationTypes);
} catch (e) {
return console.error('Error getting identificationTypes: ', e);

function createSelectOptions(elem, options, labelsAndKeys = { label: "name", value: "id" }) {
const { label, value } = labelsAndKeys;

elem.options.length = 0;

const tempOptions = document.createDocumentFragment();

options.forEach(option => {
const optValue = option[value];
const optLabel = option[label];

const opt = document.createElement('option');
opt.value = optValue;
opt.textContent = optLabel;




Send payment

When finalizing the inclusion of the payment form and obtaining the types of documents, it is necessary to forward the buyer's email, type and document number, the payment method used and the details of the amount to be paid using our Payments API or one of our SDKs.

When executing the APIs mentioned in this documentation, you may come across the attribute X-Idempotency-Key. Filling it out is important to ensure the execution and reexecution of requests without undesirable situations, such as duplicate payments, for example.

To configure payments with Efecty, send a POST with the appropriate parameters to the endpoint /v1/payments and execute the request or, if you prefer, use one of our SDKs below.

For this step, when making the request via API or SDKs, it is necessary to send your Private Key - Access token. for more information, go to Credentials .
  use MercadoPago\Client\Payment\PaymentClient;

  $client = new PaymentClient();
  $request_options = new RequestOptions();
  $request_options->setCustomHeaders(["X-Idempotency-Key: <SOME_UNIQUE_VALUE>"]);

  $payment = $client->create([
    "transaction_amount" => (float) $_POST['<TRANSACTION_AMOUNT>'],
    "payment_method_id" => $_POST['<PAYMENT_METHOD_ID>'],
    "payer" => [
      "email" => $_POST['<EMAIL>']
  ], $request_options);
  echo implode($payment);

import { MercadoPagoConfig, Payments } from 'mercadopago';

const client = new MercadoPagoConfig({ accessToken: '<YOUR_ACCESS_TOKEN>' });
const payments = new Payments(client);

body: {
		transaction_amount: '<TRANSACTION_AMOUNT>',
		payment_method_id: '<PAYMENT_METHOD_ID>',
		payer: {
			email: '<EMAIL>'
	requestOptions: { idempotencyKey: '<SOME_UNIQUE_VALUE>' }
	.then((result) => console.log(result))
	.catch((error) => console.log(error));

PaymentCreateRequest paymentCreateRequest = PaymentCreateRequest.builder()
          .transactionAmount(new BigDecimal("<TRANSACTION_AMOUNT>"))

Map<String, String> customHeaders = new HashMap<>();
customHeaders.put("x-idempotency-key", "<SOME_UNIQUE_VALUE>");

MPRequestOptions requestOptions = MPRequestOptions.builder()

PaymentClient client = new PaymentClient();
client.create(paymentCreateRequest, requestOptions);

require 'mercadopago'
sdk = Mercadopago::SDK.new('ENV_ACCESS_TOKEN')

payment_request = {
transaction_amount: 5000,
description: 'Product title',
payment_method_id: 'effect',
payer: {
email: 'test_user_19549678@testuser.com',

payment_response = sdk.payment.create(payment_request)
payment = payment_response[:response]

using MercadoPago.Config;
using MercadoPago.Client.Payment;
using MercadoPago.Resource.Payment;

MercadoPagoConfig.AccessToken = "ENV_ACCESS_TOKEN";

var request = new PaymentCreateRequest
TransactionAmount = 5000,
Description = "Product Title",
PaymentMethodId = "effect",
Payer = new PaymentPayerRequest
Email = "test_user_19549678@testuser.com",

var client = new PaymentClient();
Payment payment = await client.CreateAsync(request);

import market
sdk = Mercadopago.SDK("ENV_ACCESS_TOKEN")

payment_data = {
"transaction_amount": 5000,
"description": "Product title",
"payment_method_id": "effect",
"payer": {
"email": "test_user_19549678@testuser.com"

payment_response = sdk.payment().create(payment_data)
payment = payment_response["response"]

accessToken := "{{ACCESS_TOKEN}}"

cfg, err := config.New(accessToken)
if err != nil {

client := paymentmethod.NewClient(cfg)

resources, err := client.List(context.Background())
if err != nil {

for _, v := range resources {

curl --location 'https://api.mercadopago.com/v1/payments' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer ENV_ACCESS_TOKEN' \
--header 'X-Idempotency-Key: <SOME_UNIQUE_VALUE>' \
--data-raw '{
  "transaction_amount": 10000,
  "description": "Titulo del producto",
  "payment_method_id": "efecty",
  "payer": { "email": "test_user_12345@testuser.com" }


The response will show the pending status until the buyer completes the payment. Also, in the response to the request, the external_resource_url parameter will return a URL that contains instructions for the buyer to make the payment. You can redirect to this same link to complete the payment flow.


"id": 5466310457,
"status": "pending",
"status_detail": "pending_waiting_payment",
"transaction_details": {
"payment_method_reference_id": "24308386",
"verification_code": "24308386",
"net_received_amount": 0,
"total_paid_amount": 5000,
"overpaid_amount": 0,
"external_resource_url": "https://www.mercadopago.com/mco/payments/sandbox/ticket/helper?payment_id=1234&payment_method_reference_id=12345678&caller_id=1234&hash=aaaaaa-bbb-cccc-dddd-eeeeeeee",
"installment_amount": 0,
"financial_institution": "",
"payable_deferral_period": null,
"acquirer_reference": null

Expiration date

It is possible to change the expiration date for cash payments by submitting the date_of_expiration field in the payment creation request. The configured date must be between 1 and 30 days from the issue date. To do this, use one of the codes available below.

The date uses the ISO 8601 format: yyyy-MM-dd'T'HH:mm:ssz


$payment->date_of_expiration = "2020-05-30T23:59:59.000-04:00";


The date uses the ISO 8601 format: yyyy-MM-dd'T'HH:mm:ssz


date_of_expiration: "2020-05-30T23:59:59.000-04:00",


The date uses the ISO 8601 format: yyyy-MM-dd'T'HH:mm:ssz




The date uses the ISO 8601 format: yyyy-MM-dd'T'HH:mm:ssz


date_of_expiration: '2020-05-30T23:59:59.000-04:00',


The date uses the ISO 8601 format: yyyy-MM-dd'T'HH:mm:ssz


paymentCreateRequest.DateOfExpiration = DateTime.Parse("2020-05-30T23:59:59.000-04:00");


The date uses the ISO 8601 format: yyyy-MM-dd'T'HH:mm:ssz


"date_of_expiration": "2020-05-30T23:59:59.000-04:00"


The date uses the ISO 8601 format: yyyy-MM-dd'T'HH:mm:ssz


"date_of_expiration": "2020-05-30T23:59:59.000-04:00",


The crediting period is up to 2 business hours according to the payment method. That's why we recommend that you set the expiration date to a minimum of 3 days to ensure payment is made.

If payment is made after the expiration date, the amount will be refunded to the payer's Mercado Pago account.

Cancel payment

It is important to cancel a payment as soon as it is due to avoid billing issues. Cash payments must be paid between 3 and 5 working days according to the time of each one.

Please note that you can only cancel payments that are pending or in process. If a payment expires after 30 days, the cancellation is automatic and the final status will be canceled or expired.

For details on how to cancel a payment, see the Refunds and Cancellations section.