Recursos para IA

Realizar cobros recurrentes

Con Pagos Automáticos, puedes procesar pagos con tarjetas guardadas (Card on File) sin pedir el CVV en cada transacción.

Para eso, es necesario obtener los datos del cliente y de la tarjeta, incluyendo el código de seguridad (CVV), ya sea procesando un pago o solo almacenándolos de manera segura. Luego, deberás asociar el cliente y la tarjeta en tu sistema.

Obtener datos de la tarjeta

Sigue el paso a paso a continuación para saber cómo realizar este proceso en ambos flujos: procesando un primer pago, o solo realizando un pago de validación para almacenar los datos y utilizarlos para un primer cobro posterior.

Procesar el primer pago

En caso de que el registro incluya el pago de la primera cuota, este primer pago se procesa con Checkout API o Checkout Bricks siguiendo los procesos de pago a Mercado Pago. Para ello, tu backend debe poder recibir la información del formulario con el token generado y los datos proporcionados.

Nota

Para más información, sigue los pasos de nuestra integración de pagos con tarjeta a través de Checkout API o utilizando Checkout Bricks.

Los campos mínimos requeridos para enviar son: token, transaction_amount, installments, payment_method_id y el payer.email. Recuerda que cuanta más información adicional envíes, mayor será la probabilidad de que el pago sea aprobado, ya que la evaluación de riesgos tendrá más datos para analizar.

curl
curl -X POST \
   -H 'accept: application/json' \
   -H 'content-type: application/json' \
   -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
   -H 'X-Idempotency-Key: SOME_UNIQUE_VALUE' \
   'https://api.mercadopago.com/v1/payments' \
   -d '{
      "transaction_amount": 100,
      "token": "4cbbee6da93f85e98f51647241b0e51e",
      "description": "Firstpayment",
      "installments": 1,
      "payment_method_id": "master",
      "payer": {
        "email": "test_user_447545153071711713382622257553@testuser.com"
      },
      "statement_descriptor": "Primer pago",
      "external_reference": "9ce0e6cb-205b-4a7b-b156-847eab8cc137",
      "point_of_interaction": {
        "type": "SUBSCRIPTIONS",
        "transaction_data": {
          "first_time_use": true,
          "subscription_id": "subscription-gym-1",
          "subscription_sequence": {
            "number": 1,
            "total": 12
          },
          "invoice_period": {
            "period": 1,
            "type": "monthly"
          },
          "billing_date": "2025-11-26",
          "user_present": true
        }
      },
      "additional_info": {
        "items": [
          {
            "description": "Primer pago",
            "quantity": 1,
            "title": "título",
            "unit_price": 100
          }
        ]
      }
    }

Importante

Para más información sobre cómo enviar la información de los pagos recurrentes al endpoint v1/payments con el objetivo de aumentar la tasa de aprobación para este tipo de pagos, accede a la documentación Mensajería de pagos automaticos.

Almacenar datos sin primer pago

En caso de que la afiliación incluya el pago de la primera cuota, este primer pago se procesa con Checkout API o Checkout Bricks siguiendo los procesos de pago a Mercado Pago. Para ello, tu backend debe poder recibir la información del formulario con el token generado y los datos proporcionados.

Nota

Para más información, seguí los pasos de nuestra integración de pagos con tarjeta a través del Checkout API o utilizando el Checkout Bricks.

Para llevar adelante este proceso, deberás realizar un cobro con un monto bajo y, posteriormente, la devolución del dinero.

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


  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" => (float) $_POST['transactionAmount'],
    "token" => $_POST['token'],
    "description" => $_POST['description'],
    "installments" => $_POST['installments'],
    "payment_method_id" => $_POST['paymentMethodId'],
    "issuer_id" => $_POST['issuer'],
    "payer" => [
      "email" => $_POST['email'],
      "identification" => [
        "type" => $_POST['identificationType'],
        "number" => $_POST['number']
      ]
    ]
  ], $request_options);
  echo implode($payment);
?>

import { Payment, MercadoPagoConfig } from 'mercadopago';

const client = new MercadoPagoConfig({ accessToken: '<ACCESS_TOKEN>' });

payment.create({
    body: { 
        transaction_amount: req.transaction_amount,
        token: req.token,
        description: req.description,
        installments: req.installments,
        payment_method_id: req.paymentMethodId,
        issuer_id: req.issuer,
            payer: {
            email: req.email,
            identification: {
        type: req.identificationType,
        number: req.number
    }}},
    requestOptions: { idempotencyKey: '<SOME_UNIQUE_VALUE>' }
})
.then((result) => console.log(result))
.catch((error) => console.log(error));

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

MercadoPagoConfig.setAccessToken("YOUR_ACCESS_TOKEN");

PaymentClient client = new PaymentClient();

PaymentCreateRequest paymentCreateRequest =
   PaymentCreateRequest.builder()
       .transactionAmount(request.getTransactionAmount())
       .token(request.getToken())
       .description(request.getDescription())
       .installments(request.getInstallments())
       .paymentMethodId(request.getPaymentMethodId())
       .payer(
           PaymentPayerRequest.builder()
               .email(request.getPayer().getEmail())
               .firstName(request.getPayer().getFirstName())
               .identification(
                   IdentificationRequest.builder()
                       .type(request.getPayer().getIdentification().getType())
                       .number(request.getPayer().getIdentification().getNumber())
                       .build())
               .build())
       .build();

client.create(paymentCreateRequest, requestOptions);

require 'mercadopago'
sdk = Mercadopago::SDK.new('YOUR_ACCESS_TOKEN')

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

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

payment_data = {
 transaction_amount: params[:transactionAmount].to_f,
 token: params[:token],
 description: params[:description],
 installments: params[:installments].to_i,
 payment_method_id: params[:paymentMethodId],
 payer: {
   email: params[:email],
   identification: {
     type: params[:identificationType],
     number: params[:identificationNumber]
   }
 }
}
 
payment_response = sdk.payment.create(payment_data, custom_request_options)
payment = payment_response[:response]
 
puts payment

using System;
using MercadoPago.Client.Common;
using MercadoPago.Client.Payment;
using MercadoPago.Config;
using MercadoPago.Resource.Payment;
 
MercadoPagoConfig.AccessToken = "YOUR_ACCESS_TOKEN";

var requestOptions = new RequestOptions();
requestOptions.CustomHeaders.Add("x-idempotency-key", "<SOME_UNIQUE_VALUE>");
 
var paymentRequest = new PaymentCreateRequest
{
   TransactionAmount = decimal.Parse(Request["transactionAmount"]),
   Token = Request["token"],
   Description = Request["description"],
   Installments = int.Parse(Request["installments"]),
   PaymentMethodId = Request["paymentMethodId"],
   Payer = new PaymentPayerRequest
   {
       Email = Request["email"],
       Identification = new IdentificationRequest
       {
           Type = Request["identificationType"],
           Number = Request["identificationNumber"],
       },
   },
};
 
var client = new PaymentClient();
Payment payment = await client.CreateAsync(paymentRequest, requestOptions);
 
Console.WriteLine(payment.Status);

import mercadopago
sdk = mercadopago.SDK("ACCESS_TOKEN")

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

payment_data = {
   "transaction_amount": float(request.POST.get("transaction_amount")),
   "token": request.POST.get("token"),
   "description": request.POST.get("description"),
   "installments": int(request.POST.get("installments")),
   "payment_method_id": request.POST.get("payment_method_id"),
   "payer": {
       "email": request.POST.get("email"),
       "identification": {
           "type": request.POST.get("type"),
           "number": request.POST.get("number")
       }
   }
}
 
payment_response = sdk.payment().create(payment_data, request_options)
payment = payment_response["response"]
 
print(payment)

curl -X POST \
   -H 'accept: application/json' \
   -H 'content-type: application/json' \
   -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
   -H 'X-Idempotency-Key: SOME_UNIQUE_VALUE' \
   'https://api.mercadopago.com/v1/payments' \
   -d '{
      "transaction_amount": 100,
      "token": "4fb0bec3ef7e20862f7a1c89eb7b82e0",
      "description": "ValidationPayment",
      "installments": 1,
      "payment_method_id": "master",
      "payer": {
        "email": "test_user_447545153071711713382622257553@testuser.com"
      },
      "statement_descriptor": "Pago de validación",
      "external_reference": "9ce0e6cb-205b-4aaa7b-b156-847eab8cc137",
      "point_of_interaction": {
        "type": "SUBSCRIPTIONS",
        "transaction_data": {
          "first_time_use": true,
          "user_present": true
        }
      },
      "additional_info": {
        "items": [
          {
            "description": "Pago de validación",
            "quantity": 1,
            "title": "título",
            "unit_price": 100
          }
        ]
      }
}'

Para obtener más información, sigue los pasos de nuestra integración de pagos con tarjeta de Checkout API o utilizando el Brick de Card Payment.

Asociar tarjeta al cliente

Después de procesar el primer pago y asegurarte de que la tarjeta sea válida, crea un cliente y asígnale la tarjeta utilizada en el primer pago.

Para crear un cliente y asociarlo con su tarjeta, debes enviar el customer_id y el card_token. Cada cliente se almacenará con el valor customer y cada tarjeta con el valor card.

Además, recomendamos almacenar los datos de la tarjeta siempre que se complete con éxito un pago. Esto permite que se guarden los datos correctos para compras futuras y optimiza el proceso de pago para el comprador.

Para crear un cliente y una tarjeta, utiliza uno de los siguientes SDK.

<?php
  MercadoPagoConfig::setAccessToken("YOUR_ACCESS_TOKEN");
  
  $client_customer = new CustomerClient();
  $customer = $client_customer->create(["email" => "my.user@example.com"]);
  $client = new CustomerCardClient();
  $customer_card = $client->create($customer->id, ["token" => "your_card_token"]);
?>

const client = new MercadoPagoConfig({ accessToken: 'YOUR_ACCESS_TOKEN' });
const customer = new Customer(client);

const body = {
  email: "my.user@example.com"
};

customer.create({ body: body }).then((result) => {
  const customerCard = new CustomerCard(client);

  const body = {
    token : result.token,
  };

  customerCard.create({ customerId: 'customer_id', body })
     .then((result) => console.log(result));
})

MercadoPagoConfig.setAccessToken("ENV_ACCESS_TOKEN");

CustomerClient customerClient = new CustomerClient();
CustomerCardClient customerCardClient = new CustomerCardClient();

CustomerRequest customerRequest = CustomerRequest.builder()
   .email("john@test.com")
   .build();
Customer customer = customerClient.create(customerRequest);

CustomerCardIssuer issuer = CustomerCardIssuer.builder()
   .id("3245612")
   .build();

CustomerCardCreateRequest cardCreateRequest = CustomerCardCreateRequest.builder()
   .token("9b2d63e00d66a8c721607214cedaecda")
   .issuer(issuer)
   .paymentMethodId("debit_card")
   .build();

customerCardClient.create(customer.getId(), cardCreateRequest);

require 'mercadopago'

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

customer_request = {
  email: 'john@yourdomain.com'
}
customer_response = sdk.customer.create(customer_request)
customer = customer_response[:response]

card_request = {
  token: '9b2d63e00d66a8c721607214cedaecda',
  issuer_id: '3245612',
  payment_method_id: 'visa'
}
card_response = sdk.card.create(customer['id'], card_request)
card = card_response[:response]

MercadoPagoConfig.AccessToken = "ENV_ACCESS_TOKEN";

var customerRequest = new CustomerRequest
{
    Email = "test_payer_12345@testuser.com",
};
var customerClient = new CustomerClient();
Customer customer = await customerClient.CreateAsync(customerRequest);

var cardRequest = new CustomerCardCreateRequest
{
    Token = "9b2d63e00d66a8c721607214cedaecda"
};
CustomerCard card = await customerClient.CreateCardAsync(customer.Id, cardRequest);

import mercadopago
sdk = mercadopago.SDK("ENV_ACCESS_TOKEN")

customer_data = {
  "email": "test_payer_12345@testuser.com"
}
customer_response = sdk.customer().create(customer_data)
customer = customer_response["response"]

card_data = {
  "token": "9b2d63e00d66a8c721607214cedaecda",
  "issuer_id": "3245612",
  "payment_method_id": "visa"
}
card_response = sdk.card().create(customer["id"], card_data)
card = card_response["response"]

curl -X POST \
  -H 'Content-Type: application/json' \
  -H 'Authorization: Bearer ENV_ACCESS_TOKEN' \
  'https://api.mercadopago.com/v1/customers/CUSTOMER_ID/cards' \
  -d '{"token": "9b2d63e00d66a8c721607214cedaecda", "issuer_id": "3245612", "payment_method_id": "visa"}'

Para obtener más información, consulta la sección de Gestión de tarjetas y clientes de Checkout API.

Obtener los datos del cliente

Puedes obtener los datos del cliente, como el ID, la dirección o la fecha de registro, a través de nuestra API de clientes. Para ello, envía un GET con el correo electrónico del cliente al endpoint /v1/customers/search y realiza la solicitud, o si lo prefieres, utiliza uno de los siguientes SDK.

<?php
  MercadoPagoConfig::setAccessToken("YOUR_ACCESS_TOKEN");
  
  $client = new CustomerClient();

  $customer = $client->search(1, 0, ["email" => "my.user@example.com"]);
?>

import { Customer, MercadoPagoConfig } from '@src/index';

const client = new MercadoPagoConfig({ accessToken: '<ACCESS_TOKEN>' });
const customer = new Customer(client);

customer.search({ options: { email: '<EMAIL>' } }).then(console.log).catch(console.log);

CustomerClient client = new CustomerClient();

Map<String, Object> filters = new HashMap<>();
filters.put("email", "test_payer_12345@testuser.com");

MPSearchRequest searchRequest =
   MPSearchRequest.builder().offset(0).limit(0).filters(filters).build();

client.search(searchRequest);

customers_response = sdk.customer.search(filters: { email: 'test_payer_12345@testuser.com' })
customers = customers_response[:response]

var searchRequest = new SearchRequest
{
    Filters = new Dictionary<string, object>
    {
        ["email"] = "test_payer_12345@testuser.com",
    },
};
ResultsResourcesPage<Customer> results = await customerClient.SearchAsync(searchRequest);
IList<Customer> customers = results.Results;

filters = {
    "email": "test_payer_12345@testuser.com"
}

customers_response = sdk.customer().search(filters=filters)
customers = customers_response["response"]

curl -X GET \
  -H 'Authorization: Bearer ENV_ACCESS_TOKEN' \
  'https://api.mercadopago.com/v1/customers/search' \
  -d '{
    "email": "test_user_19653727@testuser.com"
}'

Para obtener más información, consulta la sección de Gestión de tarjetas y clientes de Checkout API o la sección de renderizado por defecto del Brick de Card Payment.

Obtener la tarjeta asociada al cliente

Habiendo obtenido el ID del cliente, úsalo para localizar la tarjeta asociada.

<?php
  $customer_client = new CustomerClient();
  $cards = $client->list("customer_id");
  echo implode ($cards);
?>

const client = new MercadoPagoConfig({ accessToken: 'access_token' });
const customerCard = new CustomerCard(client);

customerCard.list({ customerId: '<CUSTOMER_UD>' }).then(console.log).catch(console.log);

MercadoPagoConfig.setAccessToken("ENV_ACCESS_TOKEN");

CustomerCardClient customerCardClient = new CustomerCardClient();

MPResourceList<CustomerCard> list = customerCardClient.listAll("000000000-abcdEfghiJklM");
List<CustomerCard> customerCards = list.getResults();

cards_response = sdk.card.list(customer_id)
cards = cards_response[:response]

var customerClient = new CustomerClient();
ResourcesList<CustomerCard> customerCards = await customerClient.ListCardsAsync("CUSTOMER_ID");

cards_response = sdk.card().list_all(customer_id)
cards = cards_response["response"]

curl -X GET \
  -H 'Authorization: Bearer ENV_ACCESS_TOKEN' \
  'https://api.mercadopago.com/v1/customers/CUSTOMER_ID/cards' \

Para obtener más información, consulta la sección de Gestión de tarjetas y clientes de Checkout API.

Generar un token de tarjeta

Después de localizar los datos de la tarjeta asociada al cliente, utiliza los snippets a continuación para tokenizar la tarjeta utilizando su ID (card_id). La tokenización proporciona una experiencia de pago digital más segura al reemplazar el número de la tarjeta por un número alternativo, el token.

<?php

use MercadoPago\Client\CardToken\CardTokenClient;
use MercadoPago\Exceptions\MPApiException;
use MercadoPago\MercadoPagoConfig;

require_once 'vendor/autoload.php';

MercadoPagoConfig::setAccessToken("<ACCESS_TOKEN>");

$client = new CardTokenClient();

try {
    $request = [
        "card_id" => "cardId"
    ];

    $card_token = $client->create($request);
    var_dump($card_token);
} catch (MPApiException $e) {
    echo "Status code: " . $e->getApiResponse()->getStatusCode() . "\n";
    echo "Content: ";
    var_dump($e->getApiResponse()->getContent());
    echo "\n";
} catch (\Exception $e) {
    echo $e->getMessage();
}

import { MercadoPagoConfig, CardToken } from 'mercadopago';

const client = new MercadoPagoConfig({ accessToken: '<ACCESS_TOKEN>' });
const cardToken = new CardToken(client);

const body = {
	card_id : '<CARD_ID>'
};

cardToken.create({ body }).then(console.log).catch(console.log);

import com.mercadopago.client.cardtoken.CardTokenClient;
import com.mercadopago.client.cardtoken.CardTokenRequest;
import com.mercadopago.exceptions.MPApiException;
import com.mercadopago.exceptions.MPException;
import com.mercadopago.resources.CardToken;

public class App {
    public static void main(String[] args){
        MercadoPagoConfig.setAccessToken("<ACCESS_TOKEN>");
        
        CardTokenRequest request = CardTokenRequest.builder().cardId("<CARD_ID>").build();
        CardTokenClient client = new CardTokenClient();

        try {
            CardToken cardToken = client.create(request);
            System.out.println(cardToken);
        } catch (MPApiException ex) {
            System.out.printf(
                    "MercadoPago Error. Status: %s, Content: %s%n",
                    ex.getApiResponse().getStatusCode(), ex.getApiResponse().getContent());
        } catch (MPException ex) {
            ex.printStackTrace();
        }
    }
}

using System;
using MercadoPago.Config;
using MercadoPago.Client.CardToken;
using MercadoPago.Resource.CardToken;

MercadoPagoConfig.AccessToken = "<ACCESS_TOKEN>";

var request = new CardTokenRequest
{
    CardId = "<CARD_ID>"
};

var client = new CardTokenClient();
CardToken cardToken = await client.CreateAsync(request);

Console.WriteLine(Newtonsoft.Json.JsonConvert.SerializeObject(cardToken));

require_relative '../lib/mercadopago.rb'

sdk = Mercadopago::SDK.new('<ACCESS_TOKEN>')

card_token_request = {
  card_id: '<CARD_ID>'
}

card_token_response = sdk.card_token.create(card_token_request)
card_token = card_token_response[:response]
puts card_token

import mercadopago

sdk = mercadopago.SDK("<ACCESS_TOKEN>")

card_token_data = {
    "card_id": "<CARD_ID>"
}

result = sdk.card_token().create(card_token_data)
card_token = result["response"]

print(card_token)

curl --location --request POST 'https://api.mercadopago.com/v1/card_tokens' \
--header 'Authorization: Bearer {{access_token}}' \
--header 'Content-Type: application/json' \
--data-raw '{
 "card_id": {{card_id}}
}'

Importante

Sigue el paso a paso y evita pagos fraudulentos con nuestras recomendaciones para mejorar la aprobación de tus pagos.

Para obtener más información, consulta la sección de Gestión de tarjetas y clientes de Checkout API.

Realizar cobros

Utiliza el token generado anteriormente para registrar el pago, indicando el ID del cliente asociado a la tarjeta.

Importante

El valor del cobro debe ser un número entero. Es decir, no se pueden utilizar decimales.

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


  MercadoPagoConfig::setAccessToken("YOUR_ACCESS_TOKEN");

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

  $payment = $client->create([
    "transaction_amount" => 100.0,
    "token" => $cards[0]-> token,
    "description" => "My product",
    "installments" => 1,
    "payment_method_id" => "visa",
    "issuer_id" => "123",
    "payer" => [
      "type" => "customer",
      "id" => "1234"
    ]
  ], $request_options);
  echo implode($payment);
?>

const client = new MercadoPagoConfig({ accessToken: 'access_token' });
const customerClient = new Customer(client);

customerClient.listCards({ customerId: '<CUSTOMER_ID>' })
	.then((result) => {

  const payment = new Payment(client);

  const body = {
    transaction_amount: 100,
    token: result[0].token,
    description: 'My product',
    installments: 1,
    payment_method_id: 'visa',
    issuer_id: 123,
    payer: {
      type: 'customer',
      id: '123'
  }
};

  payment.create({ body: body }).then((result) => console.log(result));
});

MercadoPagoConfig.setAccessToken("ENV_ACCESS_TOKEN");

PaymentClient client = new PaymentClient();

PaymentCreateRequest request = PaymentCreateRequest.builder()
   .transactionAmount(new BigDecimal("100"))
   .installments(1)
   .token("ff8080814c11e237014c1ff593b57b4d")
   .payer(PaymentPayerRequest.builder()
       .type("customer")
       .id("247711297-jxOV430go9fx2e")
       .build())
   .build();

client.create(request);

require 'mercadopago'

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

payment_request = {
  token: 'ff8080814c11e237014c1ff593b57b4d',
  installments: 1,
  transaction_amount: 100,
  payer: {
    type: 'customer',
    id: '123456789-jxOV430go9fx2e'
  }
}
payment_response = sdk.payment.create(payment_request)
payment = payment_response[:response]

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

MercadoPagoConfig.AccessToken = "ENV_ACCESS_TOKEN";

var request = new PaymentCreateRequest
{
    TransactionAmount = 100,
    Token = "ff8080814c11e237014c1ff593b57b4d",
    Installments = 1,
    Payer = new PaymentPayerRequest
    {
        Type = "customer",
        Email = "test_payer_12345@testuser.com",
    },
};

var client = new PaymentClient();
Payment payment = await client.CreateAsync(request);

import mercadopago
sdk = mercadopago.SDK("ENV_ACCESS_TOKEN")

payment_data = {
    "transaction_amount": 100,
    "token": 'ff8080814c11e237014c1ff593b57b4d',
    "installments": 1,
    "payer": {
        "type": "customer",
        "id": "123456789-jxOV430go9fx2e"
    }
}

payment_response = sdk.payment().create(payment_data)
payment = payment_response["response"]

curl --location 'https://api.mercadopago.com/v1/payments' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer ENV_ACCESS_TOKEN' \
--data '
{
  "transaction_amount": 100,
  "token": "ff8080814c11e237014c1ff593b57b4d",
  "installments": 1,
  "payer": {
      "type": "customer",
    "id": "123456789-jxOV430go9fx2e"  
  },
  "description": "Pago suscripción Gimnasio",
    "notification_url": "https://tu-webhoock.com",
    "statement_descriptor": "Tu negocio",
    "external_reference": "49646973",
    "additional_info": {
        "items": [
            {
                "id": "FT9200101024",
                "title": "tu producto",
                "quantity": 1,
                "unit_price": 100
            }
        ],
        "payer": {
            "phone": {
                "area_code": "54",
                "number": "1234567"
            },
            "first_name": "MARTINEZ",
            "last_name": "GODOY",
            "address": {
                "zip_code": "2804",
                "street_name": "Mendoza",
                "street_number": "125"
            },
            "registration_date": null
        }
    },
    "point_of_interaction": {
        "type": "SUBSCRIPTIONS",
        "transaction_data": {
            
            "subscription_id": "Tu Comercio_4b4ef2f2-c5d6-4c1d-a492-070630bed20a",
            "subscription_sequence": {
                "number": 2,
                "total":10
            },
            "invoice_period": {
                "period": 1,
                "type": "monthly"
            },
            
         "billing_date": "2025-09-16"
          
          
        }
    }
}'

Para obtener más información, consulta la sección de Gestión de tarjetas y clientes de Checkout API o la sección de renderizado por defecto del Brick de Card Payment.

Actualizar tarjetas

En caso de necesitarlo, es posible agregar nuevas tarjetas a un cliente específico. Para ello, busca al cliente y establece los nuevos datos de la tarjeta utilizando uno de los códigos disponibles a continuación.

Importante

Si necesitas eliminar una tarjeta antes de agregar nuevas tarjetas a un cliente, envía una solicitud DELETE al endpoint /v1/customers/{customer_id}/cards/{id} proporcionando el customer_id y el id de la tarjeta que deseas eliminar. Después de que la solicitud se ejecute con éxito, podrás agregar la nueva tarjeta.

<?php
  MercadoPagoConfig::setAccessToken("YOUR_ACCESS_TOKEN");
  
  $customer_client = new CustomerClient();
  $customer = $customer_client->get("1234");

  $card_client = new CustomerCardClient();
  
  $customer_card = $client->create($customer->id, [
    "token" => "your_card_token",
    "issuer_id" => "2345",
    "payment_method_id" => "debit_card"
  ]);

  echo implode($customer_card);
?>

const client = new MercadoPagoConfig({ accessToken: 'access_token' });
const customerClient = new Customer(client);

const customer = customerClient.get({ customerId: '<CUSTOMER_ID>' })
	.then((result) => {

  const cardClient = new CustomerCard(client);

  const body = {
       token : result.token,
       issuer_id: '2345',
       payment_method: 'debit_card' 
  };

cardClient.create({ customerId: customer, body: body })
.then(console.log).catch(console.log);
});

MercadoPagoConfig.setAccessToken("ENV_ACCESS_TOKEN");

CustomerClient customerClient = new CustomerClient();
CustomerCardClient customerCardClient = new CustomerCardClient();

Customer customer = customerClient.get("247711297-jxOV430go9fx2e");

CustomerCardIssuer issuer = CustomerCardIssuer.builder()
   .id("3245612")
   .build();

CustomerCardCreateRequest cardCreateRequest = CustomerCardCreateRequest.builder()
   .token("9b2d63e00d66a8c721607214cedaecda")
   .issuer(issuer)
   .paymentMethodId("debit_card")
   .build();

customerCardClient.create(customer.getId(), cardCreateRequest);

require 'mercadopago'

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

customer_response = sdk.customer.get('247711297-jxOV430go9fx2e')
customer = customer_response[:response]

card_request = {
  token: '9b2d63e00d66a8c721607214cedaecda',
  issuer_id: '3245612',
  payment_method_id: 'debit_card'
}
card_response = sdk.card.create(customer['id'], card_request)
card = card_response[:response]

puts card

MercadoPagoConfig.AccessToken = "ENV_ACCESS_TOKEN";

var customerClient = new CustomerClient();
Customer customer = await customerClient.GetAsync("247711297-jxOV430go9fx2e");

var cardRequest = new CustomerCardCreateRequest
{
    Token = "9b2d63e00d66a8c721607214cedaecda",
};
CustomerCard card = await customerClient.CreateCardAsync(customer.Id, cardRequest);

Console.WriteLine(card.Id);

import mercadopago
sdk = mercadopago.SDK("ENV_ACCESS_TOKEN")

customer_response = sdk.customer().get("247711297-jxOV430go9fx2e")
customer = customer_response["response"]

card_data = {
  "token": "9b2d63e00d66a8c721607214cedaecda",
  "issuer_id": "3245612",
  "payment_method_id": "debit_card"
}
card_response = sdk.card().create(customer["id"], card_data)
card = card_response["response"]

print(card)

curl -X GET \
  -H 'Authorization: Bearer ENV_ACCESS_TOKEN' \
  'https://api.mercadopago.com/v1/customers/CUSTOMER_ID/cards' \

curl -X POST \
    -H 'Content-Type: application/json' \
    -H 'Authorization: Bearer ENV_ACCESS_TOKEN' \
    'https://api.mercadopago.com/v1/customers/CUSTOMER_ID/cards' \
    -d '{"token": "9b2d63e00d66a8c721607214cedaecda", "issuer": {"id": "3245612"}, "payment_method_id":"debit_card"}'

Para obtener más información, consulta la sección de Gestión de tarjetas y clientes de Checkout API.

Requisitos previos

Consulta los requisitos previos para integrar la solución de pagos recurrentes sin necesidad de utilizar el CVV.

Mensajería de pagos automaticos

Ve cómo enviar la información de los pagos recurrentes a la API de Pagos, con el objetivo de aumentar la aprobación.