Automation · Collections and receivables
Charge inside the conversation with a Mercado Pago link
How an AI agent creates the Mercado Pago payment link inside the chat, confirms when the money actually landed and chases whoever did not pay.
How do I charge over WhatsApp without sending people to another app or asking for card details?
When the customer says yes, the Met creates a Mercado Pago payment link with the exact amount and description and sends it in the same chat. The person pays inside the gateway, and Meteor never sees or stores card data. Before anything ships, the Met verifies the real payment status against Mercado Pago instead of trusting a screenshot, and if nobody paid, it schedules the reminder with an approved template. To answer how much came in today it queries the payments for the period, without opening the gateway panel.
What starts it
When the customer writes
It starts when the customer says yes. The Met on the channel creates the charge inside the conversation; the only scheduled piece, if any, is the reminder for whoever did not pay.
Nothing to set up. The Met assigned to that channel picks up the conversation and runs the procedure inside it.
Who runs it
Met for sales and payment
Sales team
It has no seeded name in the product: it is the Met that is already closing the sale. Collecting is the last stretch of that conversation, and pulling it out of the chat is exactly where sales get lost.
Channels: WhatsApp · Instagram · Website chat
What you need connected
- Mercado Pago Payments
- Meteor CRM CRM and sales
6 steps · 11 tools
The procedure, step by step
Each step shows the tool that runs. They belong to the real connector: if one of them stopped existing, this page would not build.
- 1
Confirm which account is doing the charging
The authenticated account query returns name, email and country. It looks like a wasted step and it is not: charging with the wrong credentials (the old account, a partner's, the test one) sends the money somewhere else, and it surfaces days later at reconciliation.
- 2
Create the link with the exact amount
For a simple single item charge the payment link is created in one call, and that is the recommended path when you are charging a CRM contact. When the charge has several items, installments or a particular setup, the full preference is built instead. Either way what comes back is a URL to send through the chat.
- 3
Verify the payment before you ship
The real status comes from Mercado Pago, not from the customer. The payment query returns its current detail and the list of recent notifications shows whether the gateway already reported it. Shipping against a screenshot is an avoidable risk, and avoiding it costs one call.
- 4
Chase the link that went unpaid
A link sent and not paid is a half closed sale, and most of them come back with a single reminder. The Met leaves the note with the amount and the concept, changes the contact status so it shows in the pipeline and schedules the reminder: when the time comes, the approved template goes out even if the thread has been quiet for days.
- 5
Answer how much came in today
Payment search filters by period and by status, so the daily or weekly summary gets answered in the chat without entering the panel. Tagging the contacts who paid lets you separate, later on, who bought from who only asked.
- 6
Refund only with a person confirming
A refund is final and cannot be undone. The tool exists and works in full or in part, but it requires confirming the amount with a person before it runs. No Met should be able to send money back on its own, and this one cannot.
Before you start
What you need ready
The Met solves none of these for you. If one is missing, the automation stops there.
-
Mercado Pago production credentials
In the Mercado Pago developer panel, under your application credentials. They are stored encrypted per workspace, and it is worth confirming the account before the first charge.
-
The payment notification secret
Mercado Pago generates it when you configure the notification. Without it the signature cannot be validated and the notifications are not processed: it is a requirement, not an optional detail.
-
A WhatsApp template approved for the reminder
You register it in the WhatsApp Business manager. You only need it if you are going to chase unpaid links beyond the 24 hour window.
The limits
What this automation does NOT solve
Better said here than discovered halfway through the rollout.
-
It does not store or process card data. The charge happens inside Mercado Pago; Meteor creates the link and reads the result, nothing more.
-
It does not issue an invoice or any tax document. That is what the invoicing integration is for, which is a different automation and a different connector.
-
It does not reconcile against your books. It says which payments landed and with what status; matching them to the ledger is still work for the finance team.
-
It does not refund on its own. A refund is destructive and final, and it always goes through a person confirming the amount.
FAQ
Questions about this automation
No. They open the link and pay with whatever methods Mercado Pago offers in their country. The whole conversation, before and after, happens in the chat where they already were.
Because a receipt is an image and a status is a fact. A payment can stay pending, be rejected later or belong to a different transaction. Verifying costs one call and avoids shipping against money that never arrived.
Mercado Pago operates in several countries in the region and the tools are the same. What changes is the payment methods available and the installment options. The authenticated account query tells you which country you are operating in.
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Want this automation running on your own data?
We will show it to you with your accounts connected, not with a canned demo.