Payments

Integration experience with Mercado Pago

We integrate Mercado Pago with the shopping cart and ERP, automating the complete process from order creation and payment through Checkout Pro to the reconciliation of Mercado Pago settlements. The integration automatically generates the corresponding Order Advance Payment in the ERP, retrieves transaction information through Mercado Pago APIs, and processes daily settlement files to identify taxes, commissions, and service costs, linking them to the transactions generated through the shopping cart.

The Mercado Pago integration connects the shopping cart, the Checkout Pro payment process, Mercado Pago, and the ERP, automating both order creation and subsequent financial and tax reconciliation.

The process starts in the shopping cart, where the customer completes the purchase and is redirected to Checkout Pro to complete the payment. Once the order is created, the ERP automatically records the corresponding Advance Payment, maintaining the required identifiers to subsequently link the transaction with the information reported by Mercado Pago.

Mercado Pago Integration

In addition to Checkout Pro, the solution uses Mercado Pago REST APIs to retrieve detailed information about transactions and payments associated with each order.

The Merchant Orders API allows the system to retrieve detailed information about the payments linked to an order, using the identifier generated by Checkout Pro. This information complements the order data and facilitates the subsequent reconciliation process.

Settlement Processing and Reconciliation

As part of the process, the integration processes daily Mercado Pago settlement files received in Excel format.

The process identifies and matches settlement transactions with purchases made through the shopping cart, allowing the system to determine:

Transaction amount.
Mercado Pago commissions and service costs.
Taxes and withholdings.
Transaction and customer identification.
Differences between the sale amount and the amount actually settled.

The process also supports transactions originated through APIs, identifying them through the Operation ID, even when certain payer information is not included in the settlement file.

Tax Management – SIRTAC

The integration also includes specific processing for SIRTAC (System for the Collection of Taxes on Credit and Purchase Cards) included in Mercado Pago settlements.

The SIRTAC amount is not included in the TEE document. Instead, it is processed through PDB, using the existing workflow in the Accounts Payable module.

The tax distribution among the different jurisdictions is determined according to the coefficients previously configured by the Tax Department and the information available through SIFERE, allowing the corresponding distribution to be accurately reflected as part of the IIBB settlement.

Benefits

The integration provides an automated and traceable process from purchase to settlement, linking the shopping cart order, the Mercado Pago transaction, the Advance Payment generated in the ERP, and the subsequent financial and tax settlement.

This reduces manual tasks, streamlines transaction reconciliation, and improves control over commissions, service costs, taxes, and withholdings associated with sales processed through Mercado Pago.

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