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CobroYa

Cobra con Mercado Pago en 10 segundos.

npm version tests coverage license

CobroYa is an open-source Mercado Pago payment tool for AI agents, Telegram, WhatsApp, and automation platforms. Create payment links, search payments, issue refunds -- all from your AI assistant or chat bot.

Website | npm | GitHub


Quick Start with AI

CobroYa is an MCP (Model Context Protocol) server. Add it to your AI tool in one step -- no cloning, no building. Just provide your Mercado Pago access token.

Claude Desktop

Add to your claude_desktop_config.json:

{
  "mcpServers": {
    "cobroya": {
      "command": "npx",
      "args": ["-y", "cobroya"],
      "env": {
        "MERCADO_PAGO_ACCESS_TOKEN": "APP_USR-..."
      }
    }
  }
}

Claude Code

claude mcp add cobroya -- npx -y cobroya \
  --env MERCADO_PAGO_ACCESS_TOKEN=APP_USR-...

Cursor

Add to .cursor/mcp.json in your project root:

{
  "mcpServers": {
    "cobroya": {
      "command": "npx",
      "args": ["-y", "cobroya"],
      "env": {
        "MERCADO_PAGO_ACCESS_TOKEN": "APP_USR-..."
      }
    }
  }
}

Windsurf

Add to your Windsurf MCP configuration:

{
  "mcpServers": {
    "cobroya": {
      "command": "npx",
      "args": ["-y", "cobroya"],
      "env": {
        "MERCADO_PAGO_ACCESS_TOKEN": "APP_USR-..."
      }
    }
  }
}

Once configured, ask your AI assistant things like: "Create a payment link for $5000 for a Python course" or "Show me today's approved payments".


Related MCP server: Mercado Pago MCP Server

Available Tools

CobroYa exposes 5 MCP tools that any connected AI agent can call:

Tool

Description

create_payment_preference

Create a Mercado Pago checkout payment link. Returns an init_point URL to share with buyers. Supports back_urls and notification_url.

get_payment

Retrieve full details of a payment by ID, including status, amount, and payer info.

search_payments

Search payments with filters: status (approved, pending, rejected, etc.), sort order, and pagination.

create_refund

Issue a full or partial refund for a payment. Omit amount for a full refund.

get_merchant_info

Get the authenticated merchant's profile: user ID, nickname, and site.


Telegram Bot

CobroYa includes a ready-to-use Telegram bot: @CobroYa_bot

Self-hosting the bot

  1. Create a bot via @BotFather and get your token.

  2. Set environment variables:

export MERCADO_PAGO_ACCESS_TOKEN="APP_USR-..."
export TELEGRAM_BOT_TOKEN="your-telegram-bot-token"
  1. Run:

npx cobroya-telegram

Or from source:

npm run bot

WhatsApp

CobroYa supports WhatsApp Business Cloud API for receiving commands and sending payment notifications.

  1. Create a Meta app at Meta for Developers and enable WhatsApp Business API.

  2. Set environment variables:

export WHATSAPP_ACCESS_TOKEN="your-meta-graph-api-token"
export WHATSAPP_PHONE_NUMBER_ID="your-phone-number-id"
export WHATSAPP_VERIFY_TOKEN="your-webhook-verify-token"
  1. Run the webhook server:

npm run whatsapp
# Starts on http://localhost:3000/webhook
  1. Expose with ngrok (ngrok http 3000) and configure the webhook URL in your Meta Dashboard.

For full details on supported commands and payment notifications, see the WhatsApp documentation.


Automation Platforms

Pre-built packages for popular automation platforms are available in the packages/ directory:

  • n8n -- packages/n8n-nodes-mercadopago

  • Zapier -- packages/zapier-mercadopago

  • Make -- packages/make-mercadopago

  • Pipedream -- packages/pipedream-mercadopago

Each package wraps the CobroYa core with platform-specific configuration. See the README in each package for setup instructions.


AI Framework Adapters

LangChain (Python)

pip install langchain-mercadopago
from langchain_mercadopago import create_mercadopago_tools

tools = create_mercadopago_tools("APP_USR-...")

# Use with any LangChain agent
from langchain.agents import initialize_agent, AgentType
from langchain_openai import ChatOpenAI

agent = initialize_agent(
    tools=tools,
    llm=ChatOpenAI(model="gpt-4"),
    agent=AgentType.OPENAI_FUNCTIONS,
)
agent.run("Create a payment link for $5000 for a Python course")

PyPI

OpenAI Function Calling (TypeScript)

npm install openai-mercadopago
import { createMercadoPagoExecutor } from "openai-mercadopago";

const executor = createMercadoPagoExecutor(process.env.MERCADO_PAGO_ACCESS_TOKEN!);

// Pass executor.definitions to OpenAI's tools parameter
const response = await openai.chat.completions.create({
  model: "gpt-4",
  messages,
  tools: executor.definitions,
});

// Execute the tool call
const result = await executor.handleToolCall(
  toolCall.function.name,
  JSON.parse(toolCall.function.arguments),
);

npm


Programmatic Usage

Install as a dependency:

npm install cobroya
import { createMercadoPagoTools } from "cobroya";

const mp = createMercadoPagoTools(process.env.MERCADO_PAGO_ACCESS_TOKEN!);

// Create a payment link
const pref = await mp.tools.create_payment_preference({
  title: "Premium Plan",
  quantity: 1,
  currency: "ARS",
  unit_price: 5000,
});
console.log(pref.init_point); // Checkout URL to share with the buyer

// Search approved payments
const payments = await mp.tools.search_payments({ status: "approved", limit: 10 });

// Get payment details
const payment = await mp.tools.get_payment({ payment_id: "123456789" });

// Full refund
await mp.tools.create_refund({ payment_id: "123456789" });

// Partial refund
await mp.tools.create_refund({ payment_id: "123456789", amount: 500 });

// Merchant profile
const merchant = await mp.tools.get_merchant_info();

Error Handling

import { MercadoPagoError } from "cobroya";

try {
  await mp.tools.get_payment({ payment_id: "invalid" });
} catch (err) {
  if (err instanceof MercadoPagoError) {
    console.log(err.status);        // 404
    console.log(err.isNotFound);     // true
    console.log(err.isUnauthorized); // false
    console.log(err.isRateLimited);  // false
  }
}

Environment Variables

Variable

Required

Description

MERCADO_PAGO_ACCESS_TOKEN

Yes

Mercado Pago API access token (get one here)

TELEGRAM_BOT_TOKEN

For Telegram

Telegram bot token from @BotFather

WHATSAPP_ACCESS_TOKEN

For WhatsApp

Meta Graph API token

WHATSAPP_PHONE_NUMBER_ID

For WhatsApp

WhatsApp Business phone number ID

WHATSAPP_VERIFY_TOKEN

For WhatsApp

Webhook verification token

WA_NOTIFY_PHONE

No

Phone number for WhatsApp payment notifications

MERCADO_PAGO_WEBHOOK_SECRET

No

HMAC secret for Mercado Pago webhook signature validation

MP_CURRENCY

No

Default currency (defaults to ARS)

MP_SUCCESS_URL

No

Default success redirect URL for payment preferences


Development

# Install dependencies
npm install

# Build
npm run build

# Run all tests
npm test

# Run tests with coverage
npm run test:coverage

# Watch mode
npm run test:watch

# Type-check without emitting
npx tsc --noEmit

# Integration test against real Mercado Pago API
MERCADO_PAGO_ACCESS_TOKEN=APP_USR-... npm run integration

# Start the unified server (Telegram + WhatsApp + webhooks)
npm start

# Dev mode with auto-reload
npm run dev:server

# Docker
docker compose up -d

License

MIT -- by dan1d

Available Tools

5 tools
create_payment_preferenceC

Creates a Mercado Pago checkout payment preference (payment link). Returns init_point URL for redirecting buyers.

Inputs: title (required), quantity (required), currency (required), unit_price (required), +2 more.

create_refundA

Refund a payment fully or partially. Omit amount for full refund.

Inputs: payment_id (required), amount.

get_merchant_infoB

Retrieve the authenticated merchant's user profile including ID, nickname, and site.

Inputs: no named parameters.

get_paymentC

Retrieve a payment by its ID. Returns full payment details including status, amount, payer info.

Inputs: payment_id (required).

search_paymentsB

Search recent payments for the authenticated merchant. Supports filtering by status.

Inputs: status, limit, offset.

Tool Schema Changelog

Recent tool additions, removals, and schema changes observed during successful MCP inspections.

Loading tool schema changelog…

    TDQS

    A3.6/5.0

    Scored across 5 tools

    Disambiguation5/5

    Each tool has a clearly distinct purpose with no ambiguity. create_payment_preference handles payment initiation, create_refund manages refunds, get_merchant_info retrieves merchant data, get_payment fetches specific payment details, and search_payments searches multiple payments. The descriptions clearly differentiate their functions, making misselection unlikely.

    Naming Consistency5/5

    All tool names follow a consistent verb_noun pattern using snake_case. The verbs (create, get, search) are applied logically to their respective nouns (payment_preference, refund, merchant_info, payment, payments), creating a predictable and readable naming convention throughout the set.

    Tool Count5/5

    With 5 tools, the server is well-scoped for payment processing with Mercado Pago. Each tool earns its place by covering core operations: payment creation, refunds, merchant information retrieval, payment lookup, and payment searching. This count is neither too sparse nor bloated for the domain.

    Completeness4/5

    The tool set provides strong coverage for key payment workflows, including creation, retrieval, searching, and refunds. A minor gap exists in the lack of update or cancellation tools for payments or preferences, but agents can likely work around this given the available operations cover most essential tasks.

    Maintenance

    ActivityInactive
    ResponsivenessLimited data

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