Unified Post

Mercado Pago allows vendors who comply with PCI standards to process payments Server to Server without the need to tokenize the credit card.

In the buyers credit card bill will appear: "MERPAG*<brand_name>". You can set the Brand name in your Mercado Pago account: Menu-> Configuration-> Brand Name

curl -X POST \
      -H "Content-Type: application/json" \
      -H 'Authorization: Bearer <<ACCESS_TOKEN>>' \
      -d '{
          "transaction_amount": 5,
          "card": {
          "card_number": "4509953566233704",
          "security_code": "123",
          "expiration_month": 12,
          "expiration_year": 2016,
          "cardholder": {
          "name": "APRO",
          "identification": {
          "number": "23456789",
          "type": "DNI"
          }
        }
      },
        "description": "Payment test",
        "installments": 9,
        “issuer_id” 310,
        "payment_method_id": "visa",
        "payer": {
        "email": "testpayer@test.com"
        }
      }' https://api.mercadopago.com/v1/secure_payments

Response

json
{
      "id": 1610,
      "date_created": "2015-04-21T10:27:47.000-04:00",
      "date_approved": "2015-04-21T10:27:47.000-04:00",
      "date_last_updated": "2015-04-21T10:27:47.000-04:00",
      "money_release_date": null,
      "collector_id": 179594975,
      "operation_type": "regular_payment",
      "issuer_id": "310",
      "payment_method_id": "visa",
      "payment_type_id": "credit_card",
      "status": "approved",
      "status_detail": "accredited",
      "currency_id": "BRL",
      "description": "Payment test",

      "live_mode": false,
      "payer": {
      "type": "guest",
      "id": null,
      "email": "testpayer@test.com",
      "identification": {
      "type": null,
      "number": null
      }
      },
      "metadata": {},
      "order": {},
      "external_reference": null,
      "transaction_amount": 5,
      "transaction_amount_refunded": 0,
      "coupon_amount": 0,
      "differential_pricing_id": null,
      "transaction_details": {
      "net_received_amount": 4.7,
      "total_paid_amount": 7.13,
      "overpaid_amount": 0,
      "external_resource_url": null,
      "installment_amount": 1,
      "financial_institution": null,
      "payment_method_reference_id": null
      },
      "fee_details": [
      {
      "type": "financing_fee",
      "fee_payer": "payer",
      "amount": 2.13
      },
      {
      "type": "mercadopago_fee",
      "fee_payer": "collector",
      "amount": 0.3
      }
      ],
      "captured": true,
      "binary_mode": false,
      "call_for_authorize_id": null,
      "statement_descriptor": "WWW.MERCADOPAGO.COM",
      "installments": 9,
      "card": {
      "id": null,
      "first_six_digits": "450995",
      "last_four_digits": "3704",
      "expiration_month": 12,

      "expiration_year": 2016,
      "date_created": "2015-04-21T10:27:47.000-04:00",
      "date_last_updated": "2015-04-21T10:27:47.000-04:00",
      "cardholder": {
      "name": "APRO",
      "identification": {
      "number": "23456789",
      "type": "DNI"
      }
      }
      },
      "notification_url": null,
      "refunds": []
      }
      "type": "mercadopago_fee",
      "fee_payer": "collector",
      "amount": 0.3
      }
      ],
      "captured": true,
      "binary_mode": false,
      "call_for_authorize_id": null,
      "statement_descriptor": "WWW.MERCADOPAGO.COM",
      "installments": 9,
      "card": {
      "id": null,
      "first_six_digits": "450995",
      "last_four_digits": "3704",
      "expiration_month": 12,
      "expiration_year": 2016,
      "date_created": "2015-04-21T10:27:47.000-04:00",
      "date_last_updated": "2015-04-21T10:27:47.000-04:00",
      "cardholder": {
      "name": "APRO",
      "identification": {
      "number": "23456789",
      "type": "DNI"
      }
      }
      },
      "notification_url": null,
      "refunds": []
      }

Additional info:

This info should be sent by the vendor in order to get a better payment approval rate. You can find the corresponding documentation in the following link: https://www.mercadopago.com.br/developers/en/guides/resources/pci-compliant-merchants/receiving-payment-by-card/