Mercado Pago

Get Started with Mercado Pago

This page provides a comprehensive guide to integrate Mercado Pago with DEUNA.

How it works

Mercado Pago allows you to offer your customers the option to save their card to facilitate future purchases.

Mercado Pago tokenizes cards through API or widget. DEUNA uses this solution to tokenize and store cards in the vault.

It validates that the card is operational before storing the card in Mercado Pago.

You can perform validation in two ways:

• Zero dollar auth
• Charge with minimum amount

Zero dollar auth

The zero dollar auth validation consists of performing a validation charge with zero amount.

This operation is only available with Visa and Mastercard for Argentina and Brazil.

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Mercado Pago will expand this operation to include more sites and franchises.

Charge with minimum amount

The charge with minimum amount validation consists of performing a validation charge with a low amount, which is refunded immediately.

This operation is available for franchises and countries where Zero dollar auth is not available.

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Minimum amounts are defined by country and card franchise, but can also be decided by the merchant.

Requirements

The requirement to integrate Mercado Pago is to have a seller account in Mercado Pago or Mercado Libre.

Integrate Mercado Pago

Now that the technical requirements have been established, you can begin the integration.

1. Activate the Mercado Pago webhook

To activate tokenization with Mercado Pago, we must first activate the Mercado Pago webhook validation.

What is the Webhook

A webhook is a tool that facilitates receiving real-time notifications every time a specific event occurs.

To certify that Mercado Pago is the origin of these notifications, a validation of the requests that arrive at our webhook has been implemented.

2. Validate the webhook

Mercado Pago will always send us a secret key in the requests they send to our webhook, which will allow us to validate the origin of it.

3. Get the webhook URL

Contact the DEUNA team to request the Mercado Pago webhook URL.

4. Configure the webhook:

Configure the webhook from the Mercado Pago developer panel. To do this you must do the following:

1. Enter the developer panel and select your integration.

   

   
   

2. In the left menu, select Webhooks.

   

   
   

3. Click on Configure notifications.

   

4. In Production mode, enter the url we provided you.

5. Select the events Payments and Fraud alerts

6. Click on save configuration.

5. Get the secret key

In the webhooks section, you must obtain your secret key to operate.

1. Get the secret key by clicking the password button.

2. Send the obtained secret key to the DEUNA team.

3. We will take care of making the necessary configurations.

   

6. Activate tokenization in PSP

Once the DEUNA team confirms that all necessary configurations have been completed successfully, we must activate tokenization in PSP.

1. Enter the ADMIN
2. Go to Connections and look for the Mercado Pago configuration
3. Activate the save cards in PSP checkbox
4. Click on edit.

7. Verify the validation

When tokenization with Mercado Pago is performed correctly:

1. Response arrives from the Create a card endpoint.
2. The vault.provider attribute has the value Mercadopago.

"vault": {
	"provider": "Mercadopago",
	"id": "id of the vault provider"
}

3. The verified_by attribute contains the possible validation methods.

"data": {
  "verified_by": "mercadopago_minimum_amount" or "mercadopago_zero_dollar_auth"
}

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Once the card has been successfully tokenized and the ID has been received in response from Create a Card, the merchant can make charges by sending the card_id without needing to send the CVV to complete the transaction. Review examples in Purchase V1 and Purchase V2.