Pago Unificado

Mercado Pago permite a vendedores que cumplen con las normativas PCI, procesar los pagos Server to Server sin necesidad de tokenizar la tarjeta previamente.

En el caso de tarjetas de crédito en el resumen del usuario aparecerá como: "MERPAG*<brand_name>". Donde <Brand_name> se configura desde la cuenta de Mercado Pago del vendedor: Menu-> Configuración-> Nombre de mi negocio

curl -X POST \
      -H "Content-Type: application/json" \
      -H 'Authorization: Bearer <<ACCESS_TOKEN>>' \
      -d '{
          "transaction_amount": 5,
          "card": {
          "card_number": "4509953566233704",
          "security_code": "123",
          "expiration_month": 12,
          "expiration_year": 2016,
          "cardholder": {
          "name": "APRO",
          "identification": {
          "number": "23456789",
          "type": "DNI"
          }
        }
      },
        "description": "Payment test",
        "installments": 9,
        “issuer_id” 310,
        "payment_method_id": "visa",
        "payer": {
        "email": "testpayer@test.com"
        }
      }' https://api.mercadopago.com/v1/secure_payments

Response

json
{
      "id": 1610,
      "date_created": "2015-04-21T10:27:47.000-04:00",
      "date_approved": "2015-04-21T10:27:47.000-04:00",
      "date_last_updated": "2015-04-21T10:27:47.000-04:00",
      "money_release_date": null,
      "collector_id": 179594975,
      "operation_type": "regular_payment",
      "issuer_id": "310",
      "payment_method_id": "visa",
      "payment_type_id": "credit_card",
      "status": "approved",
      "status_detail": "accredited",
      "currency_id": "COP",
      "description": "Payment test",

      "live_mode": false,
      "payer": {
      "type": "guest",
      "id": null,
      "email": "testpayer@test.com",
      "identification": {
      "type": null,
      "number": null
      }
      },
      "metadata": {},
      "order": {},
      "external_reference": null,
      "transaction_amount": 5,
      "transaction_amount_refunded": 0,
      "coupon_amount": 0,
      "differential_pricing_id": null,
      "transaction_details": {
      "net_received_amount": 4.7,
      "total_paid_amount": 7.13,
      "overpaid_amount": 0,
      "external_resource_url": null,
      "installment_amount": 1,
      "financial_institution": null,
      "payment_method_reference_id": null
      },
      "fee_details": [
      {
      "type": "financing_fee",
      "fee_payer": "payer",
      "amount": 2.13
      },
      {
      "type": "mercadopago_fee",
      "fee_payer": "collector",
      "amount": 0.3
      }
      ],
      "captured": true,
      "binary_mode": false,
      "call_for_authorize_id": null,
      "statement_descriptor": "WWW.MERCADOPAGO.COM",
      "installments": 9,
      "card": {
      "id": null,
      "first_six_digits": "450995",
      "last_four_digits": "3704",
      "expiration_month": 12,

      "expiration_year": 2016,
      "date_created": "2015-04-21T10:27:47.000-04:00",
      "date_last_updated": "2015-04-21T10:27:47.000-04:00",
      "cardholder": {
      "name": "APRO",
      "identification": {
      "number": "23456789",
      "type": "DNI"
      }
      }
      },
      "notification_url": null,
      "refunds": []
      }
      "type": "mercadopago_fee",
      "fee_payer": "collector",
      "amount": 0.3
      }
      ],
      "captured": true,
      "binary_mode": false,
      "call_for_authorize_id": null,
      "statement_descriptor": "WWW.MERCADOPAGO.COM",
      "installments": 9,
      "card": {
      "id": null,
      "first_six_digits": "450995",
      "last_four_digits": "3704",
      "expiration_month": 12,
      "expiration_year": 2016,
      "date_created": "2015-04-21T10:27:47.000-04:00",
      "date_last_updated": "2015-04-21T10:27:47.000-04:00",
      "cardholder": {
      "name": "APRO",
      "identification": {
      "number": "23456789",
      "type": "DNI"
      }
      }
      },
      "notification_url": null,
      "refunds": []
      }

Información adicional para fraude:

Esta información debe ser enviada por el integrador para que la aprobación por el sistema de fraude de Mercado Pago responda a valores normales de aprobación. La documentación correspondiente puedes encontrarla en la siguiente URL: https://www.mercadopago.com.co/developers/es/guides/resources/pci-compliant-merchants/receiving-payment-by-card/