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Overview

The PaymentMethodService class retrieves all available payment methods for your MercadoPago account. This includes credit cards, debit cards, and other payment types accepted in your configured countries. Source: src/Services/PaymentMethodService.php:9
Available payment methods depend on your MercadoPago account configuration, supported countries, and enabled payment types.

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Constructor

public function __construct(
    private MercadoPagoClientFactory $clientFactory,
) {}

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Dependencies

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clientFactory
MercadoPagoClientFactory
required
Factory for creating and configuring MercadoPago SDK clients. Automatically injected by Laravel’s service container.

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Methods

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all()

Retrieves all available payment methods for the configured account. 
public function all(): mixed
Source: src/Services/PaymentMethodService.php:15

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Parameters

This method takes no parameters.

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Returns

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response
mixed
Array of payment method objects. Each payment method contains:

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Usage

use Fitodac\LaravelMercadoPago\Services\PaymentMethodService;
use Illuminate\Http\JsonResponse;

final class PaymentMethodController
{
    public function index(
        PaymentMethodService $paymentMethodService
    ): JsonResponse {
        $methods = $paymentMethodService->all();
        
        // Format response
        $formatted = collect($methods)->map(fn($method) => [
            'id' => data_get($method, 'id'),
            'name' => data_get($method, 'name'),
            'type' => data_get($method, 'payment_type_id'),
            'thumbnail' => data_get($method, 'secure_thumbnail'),
        ]);
        
        return response()->json($formatted);
    }
}

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Common Payment Method IDs

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Credit Cards

IDName
visaVisa
masterMastercard
amexAmerican Express
naranjaNaranja
cabalCabal
cencosudCencosud
cordobesaCordobesa

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Debit Cards

IDName
debvisaVisa Débito
debmasterMastercard Débito (Maestro)
debcabalCabal Débito
Available payment methods vary by country and account configuration. Always fetch methods dynamically rather than hardcoding IDs.

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Common Patterns

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Display payment options to users

Build a payment method selector: 
use Fitodac\LaravelMercadoPago\Services\PaymentMethodService;

public function getPaymentOptions()
{
    $methods = app(PaymentMethodService::class)->all();
    
    $options = collect($methods)
        ->filter(fn($m) => data_get($m, 'status') === 'active')
        ->filter(fn($m) => data_get($m, 'payment_type_id') === 'credit_card')
        ->map(fn($method) => [
            'value' => data_get($method, 'id'),
            'label' => data_get($method, 'name'),
            'icon' => data_get($method, 'secure_thumbnail'),
        ])
        ->values();
    
    return view('checkout.payment-methods', [
        'paymentMethods' => $options,
    ]);
}

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Cache payment methods

Reduce API calls by caching results: 
use Fitodac\LaravelMercadoPago\Services\PaymentMethodService;
use Illuminate\Support\Facades\Cache;

public function getCachedPaymentMethods()
{
    return Cache::remember('mercadopago.payment_methods', now()->addHours(24), function () {
        return app(PaymentMethodService::class)->all();
    });
}

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Validate payment method ID

Verify a payment method is available: 
use Fitodac\LaravelMercadoPago\Services\PaymentMethodService;

public function validatePaymentMethod(string $methodId): bool
{
    $methods = app(PaymentMethodService::class)->all();
    
    return collect($methods)->contains(function ($method) use ($methodId) {
        return data_get($method, 'id') === $methodId 
            && data_get($method, 'status') === 'active';
    });
}

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Get installment options

Extract installment information: 
use Fitodac\LaravelMercadoPago\Services\PaymentMethodService;

public function getInstallmentOptions(string $methodId)
{
    $methods = app(PaymentMethodService::class)->all();
    
    $method = collect($methods)
        ->firstWhere('id', $methodId);
    
    if (!$method) {
        return [];
    }
    
    $issuers = data_get($method, 'financial_institutions', []);
    
    return collect($issuers)->map(fn($issuer) => [
        'id' => data_get($issuer, 'id'),
        'name' => data_get($issuer, 'name'),
    ])->values();
}

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Build frontend configuration

Generate configuration for MercadoPago.js: 
use Fitodac\LaravelMercadoPago\Services\PaymentMethodService;

public function getFrontendConfig()
{
    $methods = app(PaymentMethodService::class)->all();
    
    return [
        'public_key' => config('mercadopago.public_key'),
        'payment_methods' => collect($methods)
            ->filter(fn($m) => data_get($m, 'status') === 'active')
            ->map(fn($m) => [
                'id' => data_get($m, 'id'),
                'name' => data_get($m, 'name'),
                'type' => data_get($m, 'payment_type_id'),
            ])
            ->values(),
    ];
}

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Response Example

Typical response for a single payment method: 
{
  "id": "visa",
  "name": "Visa",
  "payment_type_id": "credit_card",
  "status": "active",
  "secure_thumbnail": "https://www.mercadopago.com/org-img/MP3/API/logos/visa.gif",
  "thumbnail": "https://www.mercadopago.com/org-img/MP3/API/logos/visa.gif",
  "deferred_capture": "supported",
  "settings": [
    {
      "security_code": {
        "length": 3,
        "card_location": "back",
        "mode": "mandatory"
      },
      "card_number": {
        "length": 16,
        "validation": "standard"
      },
      "bin": {
        "pattern": "^4",
        "installments_pattern": "^4",
        "exclusion_pattern": null
      }
    }
  ],
  "additional_info_needed": [
    "cardholder_name",
    "cardholder_identification_number"
  ],
  "min_allowed_amount": 0.5,
  "max_allowed_amount": 250000,
  "accreditation_time": 0,
  "financial_institutions": []
}

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Error Handling

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MercadoPagoConfigurationException
exception
Thrown when:
  • MercadoPago SDK is not installed
  • Required SDK classes are not found
  • SDK methods are unavailable
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MercadoPagoException
exception
Thrown by the MercadoPago SDK for API errors:
  • Invalid credentials
  • Network errors
  • API unavailability

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Error handling example

use Fitodac\LaravelMercadoPago\Exceptions\MercadoPagoConfigurationException;

try {
    $methods = $paymentMethodService->all();
    
    return response()->json($methods);
} catch (MercadoPagoConfigurationException $e) {
    \Log::error('MercadoPago configuration error', [
        'message' => $e->getMessage(),
    ]);
    return response()->json(['error' => 'Service misconfigured'], 500);
} catch (\Exception $e) {
    \Log::error('Failed to fetch payment methods', [
        'error' => $e->getMessage(),
    ]);
    return response()->json(['error' => 'Could not load payment methods'], 500);
}

PaymentService

Process payments with payment methods

CardService

Save customer payment methods

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Additional Resources

Processing Payments Guide

Learn about payment processing

MercadoPago API Documentation

Official payment methods API reference

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