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 or without customer intervention, without requiring the card CVV, and adapt the payment flow to specific business needs.
- Transactions initiated by the seller.
- Requires buyer authorization to make future payments without their intervention.
- Recurring or automatic charges, such as subscriptions or automatic debits.
- Transactions initiated by the customer.
- Requires their participation in each payment.
- Allows selecting the payment method to use in each transaction.
- Offers multiple payment experiences without needing to work with several separate APIs.
- Create and reuse customer profiles for recurring payments and saved cards.
- Offers greater convenience to customers and reduces abandonment rate.
- Automatic card validation, without extra steps.
MIT Payments (Merchant Initiated Transaction)
CIT Payments (Customer Initiated Transaction)
Unified API
Payment conversion and approval
How it works
The person makes a first service purchase or registration on the site, a customer profile is created that validates the card, and then subsequent payments are processed with authorization.
- The buyer makes a first purchase or registration on the site.
- Registers their card, which is saved and tokenized in Mercado Pago.
- Depending on the type of payment (MIT or CIT), they may need to intervene again to confirm subsequent payments.
What differentiates themCompare the features of CVV-free payment types and choose which best fits your business. Check the available payment methods by country.
Transaction type
Transaction type
Initiated by the merchant, who manages the payment cycle without direct customer actionTransaction type
Initiated and authorized directly by the customer in each operation, who has full control.Uses and frequency
Uses and frequency
Recurring charges, subscriptions and automatic or scheduled paymentsUses and frequency
One-time purchases, immediate single payments, or subscriptions that require payer actionImplementation
Implementation
Process associated with a recurrence engine to automate charges.Implementation
One-click payment process.Payment retries
Payment retries
Payment retries
Available payment methods
Available payment methods
Credit, debit and prepaid cards.Available payment methods
Credit, debit and prepaid cards. How to integrate
Learn the steps you need to follow 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 feature.
Integration process
- Create an application from Your integrations.
- Configure the development environment for your integration.
- Register the payment method with an initial payment or for future payments in your system.
flowchart TD
A[Your integrations] --> B[Create an application]
B --> C[Configure development environment]
C --> D[Tokenize payment method]
D --> E[Register payment method]
E --> F[Process payments]
F --> G[Configure notifications]
G --> H[Test your integration]
H --> I{Was the test successful?}
I -- No --> J[Fix configuration] --> H
I -- Yes --> K[Go to production]