Configurar planes de pago
Los planes de pago son el punto de partida para comenzar a personalizar la solución y se realizará 100% por API.
Este elemento es necesario para configurar las tasas y plazos que se le ofrecerán a los comercios como opciones de pago y se realiza con:. una configuración específica para cada tipo de tarjeta. Cada una de estas configuraciones permitirá calcular las comisiones, impuestos y fechas de acreditación. En el caso que no se quiera ofrecer opciones solo hay que configurar un plan de pagos.
En caso de que alguna de estas opciones no se encuentre cargada para un comercio podrá procesar pagos igualmente, pero deberán resolver manualmente los cálculos impositivos ya que no serán calculados por Menta.
Requisitos
- Plan de tasas y plazos a configurar para cada combinación de tipo de tarjeta, marca, cuotas y emisión nacional o internacional.
Resultado
- Planes de pagos configurados y listos para aplicar a los nuevos comercios o ya existentes
Implementación
Esta tabla muestra todas las opciones necesarias para dar de alta y asignar a cada comercio para operar de forma correcta:
| Marca de tarjeta | Medio de pago | ¿Acepta más de una cuota? | ¿Es una tarjeta internacional? (emitida fuera del país de procesamiento) |
|---|---|---|---|
| VISA | Débito | No | No |
| VISA | Débito | No | Si |
| VISA | Crédito | No | No |
| VISA | Crédito | No | Si |
| VISA | Crédito | Si | No |
| VISA | Prepago | No | No |
| VISA | Prepago | No | Si |
| MASTERCARD | Débito | No | No |
| MASTERCARD | Débito | No | Si |
| MASTERCARD | Crédito | No | No |
| MASTERCARD | Crédito | No | Si |
| MASTERCARD | Crédito | Si | No |
| MASTERCARD | Prepago | No | No |
| MASTERCARD | Prepago | No | Si |
| MAESTRO (🇦🇷) | Débito | No | No |
| AMEX (🇲🇽) | Crédito | No | No |
| AMEX (🇲🇽) | Crédito | No | Si |
| AMEX (🇲🇽) | Crédito | Si | No |
| CARNET (🇲🇽) | Débito | No | No |
| CARNET (🇲🇽) | Crédito | No | No |
| CARNET (🇲🇽) | Crédito | Si | No |
Cada una de estas variantes debe ser cargada como un nuevo plan de pago para luego poder ser utilizado en los comercios. A continuación, se presenta un ejemplo para tarjetas de débito VISA locales:
curl --request POST \
--url https://api.menta.global/api/v1/fee-rules \
--header 'Authorization: Bearer {access_token}' \
--header 'Content-Type: application/json' \
--data \
'{
"card_brand": "VISA",
"payment_method": "DEBIT",
"alias": "Plan a 2 días",
"term": 2,
"commission": 1.5,
"has_installments": false,
"is_international": false
}'ℹ️
Los planes de pago son una herramienta poderosa que permite ofrecer diferentes opciones de pago a los comercios y aumentar sus ventas. Recomendamos que se exploren las diferentes opciones disponibles y revisar la documentación para aprovechar al máximo esta funcionalidad.
Ejemplo de Implementación
A continuación se presenta un ejemplo de todos los planes de pagos necesarios dar de alta según la tabla indicada anteriormente (indicando comisiones y plazos arbitrarios)
Ejemplo Argentina 🇦🇷
[
{
"payment_method": "DEBIT",
"card_brand": "VISA",
"commission": 0.01,
"term": 1,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "DEBIT",
"card_brand": "MASTERCARD",
"commission": 0.01,
"term": 1,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "VISA",
"commission": 0.02,
"term": 2,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "MASTERCARD",
"commission": 0.02,
"term": 2,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "VISA",
"commission": 0.03,
"term": 3,
"has_installments": true,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "MASTERCARD",
"commission": 0.03,
"term": 3,
"has_installments": true,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "DEBIT",
"card_brand": "VISA",
"commission": 0.04,
"term": 4,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "DEBIT",
"card_brand": "MASTERCARD",
"commission": 0.04,
"term": 4,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "VISA",
"commission": 0.05,
"term": 5,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "MASTERCARD",
"commission": 0.05,
"term": 5,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "PREPAID",
"card_brand": "VISA",
"commission": 0.06,
"term": 6,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "PREPAID",
"card_brand": "MASTERCARD",
"commission": 0.06,
"term": 6,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "PREPAID",
"card_brand": "VISA",
"commission": 0.07,
"term": 7,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "PREPAID",
"card_brand": "MASTERCARD",
"commission": 0.07,
"term": 7,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "DEBIT",
"card_brand": "MAESTRO",
"commission": 0.08,
"term": 8,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
]Ejemplo México 🇲🇽
[
{
"payment_method": "DEBIT",
"card_brand": "VISA",
"commission": 0.01,
"term": 1,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "DEBIT",
"card_brand": "MASTERCARD",
"commission": 0.01,
"term": 1,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "DEBIT",
"card_brand": "AMEX",
"commission": 0.01,
"term": 0,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "DEBIT",
"card_brand": "CARNET",
"commission": 0.01,
"term": 0,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "VISA",
"commission": 0.02,
"term": 2,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "MASTERCARD",
"commission": 0.02,
"term": 2,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "AMEX",
"commission": 0.02,
"term": 2,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "CARNET",
"commission": 0.02,
"term": 2,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "VISA",
"commission": 0.03,
"term": 3,
"has_installments": true,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "MASTERCARD",
"commission": 0.03,
"term": 3,
"has_installments": true,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "AMEX",
"commission": 0.03,
"term": 2,
"has_installments": true,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "CARNET",
"commission": 0.03,
"term": 2,
"has_installments": true,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "DEBIT",
"card_brand": "VISA",
"commission": 0.04,
"term": 4,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "DEBIT",
"card_brand": "MASTERCARD",
"commission": 0.04,
"term": 4,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "VISA",
"commission": 0.05,
"term": 5,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "MASTERCARD",
"commission": 0.05,
"term": 5,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "CREDIT",
"card_brand": "AMEX",
"commission": 0.05,
"term": 3,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "PREPAID",
"card_brand": "VISA",
"commission": 0.06,
"term": 6,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "PREPAID",
"card_brand": "MASTERCARD",
"commission": 0.06,
"term": 6,
"has_installments": false,
"is_international": false,
"alias": "Plan obligatorio"
},
{
"payment_method": "PREPAID",
"card_brand": "VISA",
"commission": 0.07,
"term": 7,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
{
"payment_method": "PREPAID",
"card_brand": "MASTERCARD",
"commission": 0.07,
"term": 7,
"has_installments": false,
"is_international": true,
"alias": "Plan obligatorio"
},
]