Mercado Pago
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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
Looking for development-free options? Explore other solutions.
What it offers Automate billing processes with stored cards and increase your approval rate with card networks and issuers.
    Merchant-initiated payments (MIT)
    • Transactions processed automatically, without customer intervention.
    • Recurring charges, scheduled debits, and subscriptions without buyer action.
    • Automatic retries with a higher approval rate with card networks.
    Customer-initiated payments (CIT)
    • Transactions completed with the payer present in the session.
    • One-click purchases with a saved card, without re-entering payment details.
    • Support for the first payment in subscriptions and future authorizations.
    Transaction identification with card networks
    • Linking between past and present payments for greater card network confidence.
    • Differentiation of legitimate charges from fraud attempts.
    • Processing recognized by the leading card networks.
    Card migration and Card on File
    • Start billing with cards migrated from other providers without recapturing card data.
    • Support for the Card on File flow for card vault migrations.
How it works
The buyer makes the first payment with the card present. The card is tokenized and securely stored. Subsequent payments can already be processed with the tokenized card, without requiring the CVV again.
How to integrate
Payment flow
  1. The buyer makes the first payment with the card present in the interface.
  2. The card is tokenized and securely stored in Mercado Pago.
  3. Subsequent payments can already be processed with the tokenized card, without requesting the CVV again.
How to integrate
Supported billing typesUnderstand the different automatic payment scenarios and choose the one that best fits your business model.
CIT Payments
MIT Payments
Transaction initiator
Transaction initiator
Customer — with the payer present in the session
Transaction initiator
Merchant — without user intervention
Use cases
Use cases
First subscription payment, one-click purchases, and future authorizations
Use cases
Recurring charges, automatic debits, and subscriptions
Frequency
Frequency
Recurring or event-based
Frequency
Recurring or event-based
Payment retries
Payment retries
-
Payment retries
Available payment methods
Available payment methods
Credit and debit cards.
Available payment methods
Credit and debit cards.
How to integrate
Learn the steps to integrate Automatic Payments.
Prerequisites
  • Mercado Pago account
    You 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 representative
    You need authorization from the Sales team to use this solution.
    Integration process
    1. Check the prerequisites for the integration.
    2. Process recurring charges with stored cards.
    3. Configure Automatic Payments Messaging to correctly classify each transaction.
    4. Recover recurring payments and monitor approval rates.
    5. Test your integration in the sandbox environment.
    I want to start integrating 
    flowchart TD
    A[Prerequisites] --> B[Recurring charges]
    B --> C[Payments messaging]
    C --> D[Recover recurring payments]
    D --> E[Test integration]
    E --> F{Was the test successful?}
    F -- No --> G[Fix configuration] --> E
    F -- Yes --> H[Go to production]