Mercado Pago API Integration & Open Finance Solutions

Delivery Checklist

• OpenAPI (Swagger) specifications with sample requests/responses
• Protocol & authorization flow analysis (OAuth2, API keys, Webhooks, signatures)
• runnable back-end code (Node.js / Python) and SDK templates
• End-to-end tests, integration examples, and interface documentation
• Compliance guidance (KYC, data retention, data minimization)

Interface Example: Retrieve Transaction Reconciliation (Pseudo-code)

// Example: fetch user transaction reconciliation (pseudo-code)
POST /api/v1/mercadopago/statements
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id': 'user_12345',
  'from': '2025-09-01',
  'to': '2025-09-30',
  'filter': { 'type': 'UPI' },
  'format': 'excel' // options: json | excel | csv | pdf
}

Response: {
  'status': 'OK',
  'file_url': 'https://storage.example.com/stmts/user_12345_sep.xlsx',
  'summary': { 'total_in': 12500.00, 'total_out': 3820.50 }
}

Typical Use Cases

Wallet balance sync, payment initiation & callbacks (QR/Link/Point), installment & credit disbursement, transaction export, automated reconciliation and merchant settlement. Enterprise-grade concurrency, retries, and idempotency supported.

API Integration Quick Guide

1. Provide target app name (Mercado Pago already provided) and required capabilities (e.g., transaction stream, payment initiation, Point integration).
2. We perform protocol analysis (OAuth, signatures, request formats, certificate needs) and submit a plan (2-4 business days).
3. Develop and deliver in a test environment (3-10 business days, depending on complexity).
4. Deliver OpenAPI, sample code, test scripts, and compliance recommendations; support deployment and operation phase fixes.

Common API Endpoints

Webhook & Idempotency Sample (Pseudo-code)

POST /webhooks/mercadopago/payment
Headers: X-Signature: <signature>

// verify signature -> check idempotency key -> process payment -> replay protection
if (verifySignature(payload, header)) {
  if (!processed(payload.id)) {
    markProcessed(payload.id)
    applyPaymentToOrder(payload)
  }
}

Compliance & Privacy

All work is conducted under client authorization or using publicly available / authorized APIs. We provide data minimization guidance, optional audit logs, and retention suggestions to meet regional regulations and GDPR/local privacy laws.

Our Advantages

• Extensive experience in mobile payments, acquiring, and fintech integration
• Familiar with QR/Point/POS, virtual cards, and installment credit integration
• Runnable source code, OpenAPI docs, and automated tests
• Multilingual support (EN/ES/PT) and cross-border compliance guidance
• Transparent pricing: starting at $300 with a post-delivery payment option

About Our Studio

We are a technology studio focusing on app protocol analysis and authorized API integration. Our team brings years of experience in payments gateways, banking, and mobile app security, delivering end-to-end interface implementation and documentation.

• Supports Android/iOS protocol analysis and cross-platform Open API refactoring
• Compliance-first, with KYC and privacy protection guidance
• Deliverable: Node.js / Python / Go SDKs, OpenAPI docs, and test suites
• Transparent pricing: starting at $300 with post-delivery payment options

Start Here

Provide the target app name (Mercado Pago has been used as an example) and the integration scenario (e.g., transaction statements, QR payments, device integration). We will respond with an assessment and quote after initial confirmation.

Go to Contact

Collaboration Workflow & Delivery Timeline

1. Requirements confirmation: define scenarios (BNPL, merchant onboarding, personal loans, etc.)
2. Protocol and authorization analysis (2-6 business days, depending on complexity)
3. Development and internal testing (3-10 business days)
4. Delivery of documentation, samples, and test cases (1-3 business days)
5. Typical first delivery cycle: 5–18 business days; delays may occur for complex scenarios or third-party approvals

FAQ

What information do you need from us?

Does delivery include legal compliance advice?