MercadoPago Integration

Overview

The MercadoPago integration allows your AI assistant to generate payment links and process transactions directly within WhatsApp conversations. Customers can complete purchases without leaving the chat, creating a seamless buying experience.

This is a new feature highlighted on our landing page: “Nuevo: Integración con MercadoPago”

What You Can Do

With the MercadoPago integration, RespondeIA enables:

In-chat payments: AI generates payment links automatically during sales conversations
Payment status tracking: Real-time notifications when payments are completed
Automatic receipts: Customers receive confirmation messages with transaction details
Subscription management: Handle recurring payments for subscription services
Refund processing: Process refunds directly from the dashboard

Prerequisites

Before connecting MercadoPago:

MercadoPago Account

You need an active MercadoPago business account. Create one at mercadopago.com if you don’t have one.

API Credentials

Obtain your MercadoPago API credentials:

Access Token (for production)
Public Key (for client-side operations)

You can find these in your MercadoPago dashboard under Credentials → Production credentials.

RespondeIA Plan

MercadoPago integration is available on:

Pro plan: $59/month (billed monthly) or$ 47/month (billed yearly)
Agencia plan: $149/month (billed monthly) or$ 119/month (billed yearly)

Not available on the Básico plan.

Setup

Connect MercadoPago

Access Integration Settings

Navigate to Settings → Integrations → Payments in your RespondeIA dashboard.

Select MercadoPago

Click Connect MercadoPago and enter your credentials:

Credentials Required

{
  "access_token": "APP_USR-1234567890-123456-abcdefghijklmnop",
  "public_key": "APP_USR-abcd1234-5678-90ef-ghij-klmnopqrstuv"
}

Keep your Access Token secure. Never commit it to version control or share it publicly.

Configure Webhooks

RespondeIA automatically configures webhooks to receive payment notifications:

https://api.respondeia.com/webhooks/mercadopago/{your-account-id}

This webhook receives:

payment.created: New payment initiated
payment.approved: Payment successful
payment.rejected: Payment failed
payment.refunded: Refund processed

Test Mode

Before going live, test the integration:

Enable Test Mode in integration settings
Use MercadoPago test cards to simulate payments
Verify webhooks are received correctly
Check that AI sends confirmation messages

Test card: 5031 7557 3453 0604, CVV: 123, Expiry: any future date

Go Live

Once testing is complete:

Disable Test Mode
Verify production credentials are entered
Send a real transaction to confirm everything works

How It Works

Automatic Payment Flow

When a customer wants to make a purchase:

AI-Powered Sales

The AI assistant automatically:

Detects purchase intent from customer messages
Confirms details (product, quantity, price)
Generates payment link with MercadoPago
Sends link in the conversation
Tracks payment status in real-time
Confirms completion once payment is approved

API Integration

For custom implementations, use the RespondeIA API to create payments:

interface CreatePaymentParams {
  customerId: string;
  amount: number;
  description: string;
  items?: Array<{
    title: string;
    quantity: number;
    unitPrice: number;
  }>;
}

async function createPayment(params: CreatePaymentParams) {
  const response = await fetch('https://api.respondeia.com/v1/payments/create', {
    method: 'POST',
    headers: {
      'Authorization': `Bearer ${token}`,
      'Content-Type': 'application/json'
    },
    body: JSON.stringify({
      provider: 'mercadopago',
      customer_id: params.customerId,
      amount: params.amount,
      currency: 'ARS', // or 'BRL', 'MXN', etc.
      description: params.description,
      items: params.items,
      notification_url: 'https://api.respondeia.com/webhooks/mercadopago/your-id',
      auto_return: 'approved'
    })
  });

  if (!response.ok) {
    throw new Error('Failed to create payment');
  }

  const { paymentLink, paymentId } = await response.json();
  return { paymentLink, paymentId };
}

// Example usage
const payment = await createPayment({
  customerId: 'wa:5491123456789',
  amount: 5900, // $59.00 in cents
  description: 'Plan Pro - Mensual',
  items: [
    {
      title: 'Plan Pro',
      quantity: 1,
      unitPrice: 5900
    }
  ]
});

// Send payment link via WhatsApp
await sendWhatsAppMessage(
  'wa:5491123456789',
  `Tu enlace de pago está listo: ${payment.paymentLink}`
);

Payment Tracking

Real-time Status Updates

Track payment status in real-time using webhooks:

Webhook Handler Example

interface PaymentWebhook {
  event: 'payment.created' | 'payment.approved' | 'payment.rejected' | 'payment.refunded';
  paymentId: string;
  customerId: string;
  amount: number;
  status: string;
  timestamp: number;
}

// RespondeIA handles webhooks automatically
// This shows the data structure you receive
function handlePaymentWebhook(webhook: PaymentWebhook) {
  switch (webhook.event) {
    case 'payment.approved':
      // AI automatically sends confirmation to customer
      console.log(`Payment ${webhook.paymentId} approved`);
      // Your custom logic here (e.g., provision service)
      break;
      
    case 'payment.rejected':
      // AI notifies customer of failed payment
      console.log(`Payment ${webhook.paymentId} rejected`);
      break;
      
    case 'payment.refunded':
      // Handle refund logic
      console.log(`Payment ${webhook.paymentId} refunded`);
      break;
  }
}

Query Payment Status

Check payment status programmatically:

async function getPaymentStatus(paymentId: string) {
  const response = await fetch(
    `https://api.respondeia.com/v1/payments/${paymentId}`,
    {
      headers: {
        'Authorization': `Bearer ${token}`
      }
    }
  );

  const payment = await response.json();
  
  return {
    status: payment.status, // 'pending', 'approved', 'rejected', 'refunded'
    amount: payment.amount,
    paidAt: payment.paid_at,
    customerId: payment.customer_id
  };
}

Supported Payment Methods

MercadoPago supports multiple payment methods across Latin America:

Credit Cards

Visa, Mastercard, American Express, Diners Club

Debit Cards

All major debit cards in supported countries

Cash Payments

Rapipago, Pago Fácil, OXXO (Mexico), Boleto (Brazil)

Bank Transfers

PIX (Brazil), PSE (Colombia), Direct bank transfers

Pricing Plans Integration

The AI can automatically offer pricing plans based on the source code at /home/daytona/workspace/source/modules/prices/services/get-plans.ts:8-39:

Plan Offerings

// RespondeIA automatically reads your pricing configuration
const plans = [
  {
    id: "basico",
    name: "Básico",
    priceMonth: 29,
    priceYear: 23,
    features: ["1 número WhatsApp", "Hasta 500 mensajes", "Respuestas automáticas IA"]
  },
  {
    id: "pro",
    name: "Pro",
    priceMonth: 59,
    priceYear: 47,
    features: ["1 número WhatsApp", "Mensajes ilimitados", "IA personalizada avanzada", "CRM de contactos"]
  },
  {
    id: "agencia",
    name: "Agencia",
    priceMonth: 149,
    priceYear: 119,
    features: ["Hasta 5 números", "Mensajes ilimitados", "Panel multi-cliente", "White-label"]
  }
];

The AI will present these plans when customers inquire about pricing and generate appropriate payment links.

Refunds

Process Refunds

Refund payments from the dashboard or API:

async function refundPayment(paymentId: string, amount?: number) {
  const response = await fetch(
    `https://api.respondeia.com/v1/payments/${paymentId}/refund`,
    {
      method: 'POST',
      headers: {
        'Authorization': `Bearer ${token}`,
        'Content-Type': 'application/json'
      },
      body: JSON.stringify({
        amount: amount // Optional: partial refund amount
      })
    }
  );

  if (!response.ok) {
    throw new Error('Refund failed');
  }

  return response.json();
}

Full refunds are processed within 10 business days. Partial refunds may take up to 30 days depending on the payment method.

Security

PCI Compliance

RespondeIA never stores credit card information. All payment data is handled by MercadoPago’s PCI-compliant infrastructure.

Transaction Security

Encrypted communication: All API calls use TLS 1.3
Webhook verification: Signatures are validated to prevent spoofing
Access control: Only authorized users can process refunds
Audit logs: All payment actions are logged for compliance

Fraud Prevention

MercadoPago provides built-in fraud detection:

Device fingerprinting
Behavioral analysis
Transaction velocity checks
Geographic validation

Troubleshooting

Payment Link Not Generated

Check Integration Status

Verify MercadoPago is connected: Settings → Integrations → Payments

Verify Credentials

Ensure Access Token and Public Key are correct and not expired

Check Plan Limits

Confirm your RespondeIA plan includes payment processing

Webhook Not Received

Check webhook URL is correctly configured in MercadoPago dashboard
Verify firewall allows POST requests from MercadoPago IPs
Review webhook logs in RespondeIA dashboard

Payment Stuck in Pending

Some payment methods (cash, bank transfer) take time to process. PIX is instant, but Boleto can take 1-3 business days.

Analytics

Track payment performance in your dashboard:

Total revenue: Sum of all approved payments
Conversion rate: Payment links sent vs. completed
Average transaction value: Mean payment amount
Payment method breakdown: Distribution by payment type
Failed payment reasons: Why transactions are rejected

Best Practices

Clear pricing: Train AI to communicate prices clearly before generating links
Fast follow-up: AI should send payment links immediately when requested
Payment reminders: Set up automatic reminders for pending payments
Localized currency: Use the customer’s local currency when possible
Transparent fees: Communicate any transaction fees upfront
Receipt confirmation: Always send receipt after successful payment

Supported Countries

MercadoPago is available in:

Argentina (ARS)
Brazil (BRL)
Chile (CLP)
Colombia (COP)
Mexico (MXN)
Peru (PEN)
Uruguay (UYU)

Currency is automatically detected based on your MercadoPago account country.

Next Steps

Pricing Configuration

Set up your pricing plans and products

AI Training

Train your AI to handle sales conversations

API Reference

Full payment API documentation

Analytics

Track revenue and conversion metrics

Get Started

Core Features

User Guide

Integration

​Overview

​What You Can Do

​Prerequisites

​Setup

​Connect MercadoPago

​How It Works

​Automatic Payment Flow

​AI-Powered Sales

​API Integration

​Payment Tracking

​Real-time Status Updates

​Query Payment Status

​Supported Payment Methods

Credit Cards

Debit Cards

Cash Payments

Bank Transfers

​Pricing Plans Integration

​Refunds

​Process Refunds

​Security

​PCI Compliance

​Transaction Security

​Fraud Prevention

​Troubleshooting

​Payment Link Not Generated

​Webhook Not Received

​Payment Stuck in Pending

​Analytics

​Best Practices

​Supported Countries

​Next Steps

Pricing Configuration

AI Training

API Reference

Analytics

Build docs developers (and LLMs) love

Overview

What You Can Do

Prerequisites

Setup

Connect MercadoPago

How It Works

Automatic Payment Flow

AI-Powered Sales

API Integration

Payment Tracking

Real-time Status Updates

Query Payment Status

Supported Payment Methods

Pricing Plans Integration

Refunds

Process Refunds

Security

PCI Compliance

Transaction Security

Fraud Prevention

Troubleshooting

Payment Link Not Generated

Webhook Not Received

Payment Stuck in Pending

Analytics

Best Practices

Supported Countries

Next Steps