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Integrate Split Payments 1:N and split payments among sellers
With Transparent Checkout (via Orders API), you can create an order and distribute the amount across multiple seller accounts in a single transaction. The buyer makes a single payment, while each participant automatically receives their corresponding share.
One payment, multiple recipients
Integration via Orders API
Fixed or percentage amounts
Partial or full refunds
What it offers
Distributes payment between the primary seller and one or more secondary sellers by fixed amount or percentage, with automatic split validation and reconciliation by `external_reference`.
- Configuration by fixed amount or percentage for each participant.
- Sum of amounts or percentages equal to the order total.
- Splits array with user_id, amount and description per recipient.
- Maximum of 10 secondary sellers per order.
- Partial or full refund per participant without affecting the others.
- Full order refund with a single request.
- Refund amounts specified in splits, not in transactions.
- Split payments sales report and Release Report for reconciliation by external_reference.
- Real-time updates with Webhook notifications.
- Validations for recipients, amounts, user and KYC compliance documented in the API.
- RFC 7807 error codes and clear responses to fix requests.
Payment split
Refunds
Reconciliation and notifications
Validation
How it works
With the splits array and division rules configured in the order, Mercado Pago processes the payment and automatically distributes the amount among each participant.
- Configure the development environment with Transparent Checkout (via Orders API).
- Create test accounts for the primary and at least one secondary seller to test the split.
- Create the payment order by configuring the details of the Split Payments.
- The buyer pays, the order is processed and each seller receives their share in their own account.
- Manage refunds in a specific way for each participant in the Split Payments.
What makes it differentSplit Payments 1:N distributes a single payment between a primary seller and multiple secondary sellers, with flexible configuration by fixed amount or percentage.
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Split Payments 1:NHow to integrate
Split Payments 1:1See overview
Participants
Participants
One primary + N secondaryParticipants
Two (marketplace + seller)Integration
Integration
Transparent Checkout (via Orders API)Integration
Checkout / API depending on productAvailability by country
Availability by country
AR
BR
Availability by country
AR
BR
CL
CO
MX
PE
UY
How to integrate
Learn the steps required to integrate this solution.
Prerequisites
- Mercado Pago user accountYou need to create a user on Mercado Pago (or Mercado Libre) to have a seller account.
- SSL certificateIn production, your checkout page must be served over HTTPS with a valid SSL certificate.
Integration process
- Create an application from Your integrations with the Orders API.
- Configure the development environment and credentials.
- Create test accounts for the split participants.
- Create the order with splits.
- Verify the order and validate status and splits array.
- Implement refunds with splits.
- Configure payment notifications.
- Check reports and reconcile.
- Test the integration and go to production.
flowchart TD
A["Create application with Orders API"] --> B["Configure development environment and credentials"]
B --> C["Create test accounts for participants"]
C --> D["Create the order with splits"]
D --> E["Verify the order and validate status and splits array"]
E --> F["Implement refunds with splits"]
F --> G["Configure payment notifications"]
G --> H["Check reports"]
H --> I["Test the integration and go to production"]