Mercado Pago Wallet and Installments without card - Payments submission - Mercado Pago Developers
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Mercado Pago Wallet and Installments without card

Server-Side

Payments with Mercado Pago Wallet and Installments without card, the option to pay in installments without a credit card, do not need to be sent via the backend.

If the user selects this option as a means of payment, the preferenceId sent at the initialization of the Brick is responsible for redirecting the buyer to the Mercado Pago website, where the payment will be made directly on our website.

To redirect the buyer back to your site, you can configure the back_urls as described in this article.

Marketplace

Marketplace is an e-commerce website/platform that connects sellers and buyers in a single sales environment, allowing the sale of products and services online with greater scope and potential for conversion.

In addition to the necessary structure for conducting sales, some marketplaces take care of product arrangement, payment methods, and shipping, optimizing the sales process and facilitating business management.

The division of values between the seller and the marketplace is automatically done through payment split, without the need for any action from the seller.

Important
Mercado Pago's commission is deducted from the amount received by the seller. In other words, Mercado Pago's commission is deducted first, and then the commission from the marketplace is deducted from the remaining amount.

To configure the marketplace on Checkout Bricks, follow the steps listed below.

  1. Create an access_token for each seller following the documentation on OAuth.
  2. In the initialization configuration of Bricks, add marketplace: true.

javascript

const settings = {
  initialization : {
    amount: 100,
    preferenceId: "<PREFERENCE_ID>",
    marketplace: true,
  },
};
  1. Use the public_key from your integrator account on the frontend and insert the seller's access_token, obtained in step 1, in the backend or request header.
  2. To determine the marketplace commission percentage, fill the marketplace_fee parameter with a value in the local currency (its default is 0) to be charged for each preference created in the API /checkout/preferences. Remember to add the preference ID in the Brick initialization.

After completing these steps, Checkout Bricks will have been integrated into the marketplace and will be ready to process payments.

Attention
In the marketplace flow, it is not possible to enable installment payments without a credit card.