Reservar fondos - Gestión de pagos - Mercado Pago Developers
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Reserva fondos

Una reserva de fondos ocurre cuando se realiza una compra y se reserva su monto del límite total de la tarjeta, asegurando que el valor se mantenga hasta la finalización del procesamiento.

Para realizar una autorización de reserva, envíe un POST con todos los atributos necesarios y agregue el atributo capture=false al endpoint /v1/payments y ejecute la solicitud o, si lo prefiere, use uno de los SDK a continuación.

          
<?php
  use MercadoPago\Client\Payment\PaymentClient;


  MercadoPagoConfig::setAccessToken("YOUR_ACCESS_TOKEN");

  $client = new PaymentClient();
  $request_options = new RequestOptions();
  $request_options->setCustomHeaders(["X-Idempotency-Key: <SOME_UNIQUE_VALUE>"]);

  $payment = $client->create([
    "transaction_amount" => 100,
    "token" => "123456",
    "description" => "My product",
    "installments" => 1,
    "payment_method_id" => "visa",
    "payer" => [
      "email" => "my.user@example.com",
    ],
    "capture" => false
  ], $request_options);
  echo implode($payment);
?>

        
          
MercadoPagoConfig.setAccessToken("ENV_ACCESS_TOKEN");

Map<String, String> customHeaders = new HashMap<>();
    customHeaders.put("x-idempotency-key", <SOME_UNIQUE_VALUE>);
 
MPRequestOptions requestOptions = MPRequestOptions.builder()
    .customHeaders(customHeaders)
    .build();

PaymentClient client = new PaymentClient();

PaymentCreateRequest request =
PaymentCreateRequest.builder()
.transactionAmount(new BigDecimal("100"))
.token("ff8080814c11e237014c1ff593b57b4d")
.description("Product Title")
.installments(1)
.paymentMethodId("visa")
.payer(PaymentPayerRequest.builder().email("test_user_19653727@testuser.com").build())
.capture(false)
.build();

client.create(request, requestOptions);


        
          
import { MercadoPagoConfig, Payment } from 'mercadopago';

const client = new MercadoPagoConfig({ accessToken: 'YOUR_ACCESS_TOKEN' });
const payment = new Payment(client);

const body = {
transaction_amount: 100,
token: '123456',
description: 'My product',
installments: 1,
payment_method_id: 'visa',
payer: {
email: 'my.user@example.com',
},
capture: false
};

payment.create({ body: body, requestOptions: { idempotencyKey: '<SOME_UNIQUE_VALUE>' } }).then(console.log).catch(console.log);

        
          
require 'mercadopago'

sdk = Mercadopago::SDK.new('ENV_ACCESS_TOKEN')

custom_headers = {
 'x-idempotency-key': '<SOME_UNIQUE_VALUE>'
}

custom_request_options = Mercadopago::RequestOptions.new(custom_headers: custom_headers)

payment_request = {
transaction_amount: 100,
token: 'ff8080814c11e237014c1ff593b57b4d',
description: 'Product title',
installments: 1,
payment_method_id: 'visa',
payer: {
email: 'test_user_19653727@testuser.com'
},
capture: false
}

payment_response = sdk.payment.create(payment_request, custom_request_options)
payment = payment[:response]

        
          
using MercadoPago.Client.Payment;
using MercadoPago.Config;
using MercadoPago.Resource.Payment;

MercadoPagoConfig.AccessToken = "ENV_ACCESS_TOKEN";

var requestOptions = new RequestOptions();
requestOptions.CustomHeaders.Add("x-idempotency-key", "<SOME_UNIQUE_VALUE>");

var paymentRequest = new PaymentCreateRequest
{
TransactionAmount = 100,
Token = "ff8080814c11e237014c1ff593b57b4d",
Description = "Product Title",
Installments = 1,
PaymentMethodId = "visa",
Payer = new PaymentPayerRequest
{
Email = "test_user_19653727@testuser.com",
},
capture = false,
};

var client = new PaymentClient();
Payment payment = await client.CreateAsync(paymentRequest, requestOptions);

        
          
import market
sdk = Mercadopago.SDK("ENV_ACCESS_TOKEN")

request_options = mercadopago.config.RequestOptions()
request_options.custom_headers = {
    'x-idempotency-key': '<SOME_UNIQUE_VALUE>'
}

payment_data = {
"transaction_amount": 100,
"token": 'ff8080814c11e237014c1ff593b57b4d',
"description": "Title of what you are paying for",
"installations": 1,
"payment_method_id": "visa",
"payer": {
"email": "test_user_19653727@testuser.com"
},
"capture": False
}
payment_response = sdk.payment().create(payment_data, request_options)
payment = payment_response["response"]

        
          
curl -X POST \
-H 'accept: application/json' \
-H 'content-type: application/json' \
-H 'Authorization: Bearer ENV_ACCESS_TOKEN' \
-H 'X-Idempotency-Key: SOME_UNIQUE_VALUE' \
'https://api.mercadopago.com/v1/payments' \
-d '{
"transaction_amount": 100,
"token": "ff8080814c11e237014c1ff593b57b4d",
"description": "Product title",
"installations": 1,
"payment_method_id": "visa",
"payer": {
"email": "test_user_19653727@testuser.com"
},
"capture": "false"
}'

        

La respuesta indica que el pago se encuentra autorizado y pendiente de captura.

json

{
  "id": PAYMENT_ID,
  ...
  "status": "authorized",
  "status_detail": "pending_capture",
  ...
  "captured": false,
  ...
}

Además, también es posible resultar como rechazado o pendiente. Ten en cuenta que los fondos autorizados no podrán ser utilizados por su cliente hasta que sean capturados. Recomendamos capturar lo antes posible.