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Acceptor flow
QR Code interoperability allows external digital wallets to process credit card payments on QR codes generated by Mercado Pago. In the acceptor flow, users of the external wallet scan a Mercado Pago QR Code to complete a credit card payment directly from their wallet.
This flow is available exclusively in Argentina (MLA), applies only to credit card payments, and requires prior onboarding to the Mercado Pago interoperability program.
The QR interoperability feature can only be configured by digital wallets external to Mercado Pago and requires prior onboarding to the interoperability program. If you are not a representative of a digital wallet, see the available integration options.
How it works
To integrate the acceptor flow, follow these steps:
- Create an application and contact Support to request onboarding to the program.
- Obtain OAuth credentials and configure webhook notifications.
- Connect the payment endpoints to the Mercado Pago API.
- Run the homologation tests and go to production.
The following diagram illustrates the sequence of calls between the external wallet and Mercado Pago:
sequenceDiagram
participant B as External wallet
participant MP as Mercado Pago
B->>MP: POST /oauth/token
MP-->>B: access_token (valid 6 h)
B->>MP: GET /resolve?data={qr_raw}
MP-->>B: order_id, payment methods
B->>MP: PATCH /orders/{order_id}/plans
MP-->>B: available installment plans
B->>MP: POST /orders/{order_id}/payments
MP-->>B: payment_id, status
B->>MP: GET /payments/{payment_id}
MP-->>B: payment status
MP->>B: Webhook: payment result notification
Prerequisites
Before starting the integration, complete the following steps:
| Requirement | Description |
| Mercado Pago business account | Register an account with your digital wallet's details. |
| Registered application | Create an application in Your integrations with solution "In-person payments" and product "QR Code". |
| Approved onboarding | Contact the Support Center providing identifier, application_id, and user_business_id. |
| OAuth credentials | Obtain the Client ID and Client Secret from "Production credentials" in your application. |
| Configured webhook URL | Register your notification URL for the event "Payments (credit card interoperability)" under Notifications > Webhooks. |