What you set up on one side, your customer sees on the other.
Every way you get paid and every carrier you use becomes an option at checkout, with its surcharge or discount, its installments and its instructions. And it isn't a label: the whole order total is recalculated on every card, before confirming.
First, what you offer. Cash, transfer, check, to be arranged; pickup, your own delivery, the customer's carrier. You write them and they go live.
Your own delivery costs 10% more, and the price says so — not a footnote. The note you wrote travels with the method and reads under the cards.
A −5% on cash pushes them to the method with no processing fee. It's computed on the already-discounted total, and the cheapest one gets tagged automatically.
And deferred credit is a checkout option, not a separate conversation. You load the installments and the schedule once; the buyer sees the amount and the due date of each.
They confirm with the final number in plain sight — volume benefit, shipping and surcharge already inside. No surprises and no phone call to close it.
Bank transfer, check, cash on delivery or 30-day credit. The ones you actually use.
A payment gateway gives you cards and little else. Here every way of getting paid that you already handle is an option at checkout, with its surcharge or discount and the instructions your buyer needs to read.
- You create them: type the name and the method is live. Bank transfer, deposit, check, cash on delivery, 30-day credit — whatever your operation needs.
- Surcharge or discount per method: a flat amount or a percentage, applied only when the buyer picks that option. A −5% on bank transfer pushes them toward the method with no processing fee.
- The instructions travel with the order: account details, holder and clearing time are saved on the order and go out in the confirmation email — which is where the buyer looks for them again.
- It's calculated on the already-discounted total: the volume discount runs first, then the method's surcharge. The buyer sees the final number before confirming — no surprises.
Mercado Pago connected, and the order knows how much came in.
On confirming, your buyer is taken to Mercado Pago's payment screen, pays by card or account balance and comes back to your store with the order already credited. The payment posts itself against that order: no manual reconciling, no side spreadsheet to know who owes what.
- Four clear states: credited, incomplete, overpaid and settled. The order list filters by each one, so seeing what's still uncollected takes two clicks.
- Payment link: a Mercado Pago link is generated for that order and sent to the buyer by email or WhatsApp. When they pay, the order flips to credited on its own.
- Refund of the overpayment: if they paid too much, or the order was edited down after the charge, the refund goes out from the order itself and the buyer gets the notice by email.
- If you got paid outside the platform: the order is marked as settled and drops off the pending list. A transfer, cash or store credit closes just as cleanly.
- Installments per customer, not per store: the installment cap and the excluded methods are set on each buyer's profile. A large distributor doesn't have to see the same thing as a brand-new customer.
The carriers you already work with, not the ones the platform imposes.
Pick from your country's curated list or create your own, with its name and logo. Each one with its surcharge and the operating notes your buyer has to read before choosing it.
- A curated list per country: the usual carriers in your market are already loaded. Anything missing is created by typing its name in the same search box.
- Surcharge or discount per carrier: a flat amount or a percentage of the order, same as with payment methods.
- Operating notes where they get read: branches, dispatch hours, the carrier's contact, how pickup is coordinated. They show up when that option is chosen at checkout.
- Warehouse pickup: one more option, with zero surcharge and the address and hours in the notes. It can be enabled customer by customer, for those who collect at the plant.
A rate per zone, and free shipping when the order earns it.
Capital, metro area, inland, abroad, pickup. Each zone is a shipping option with its own rate and its own notes: you define the rate card and the buyer picks their zone at checkout, seeing the cost before confirming.
- Zones with recognizable names: the buyer spots theirs at a glance and knows what each one covers from the notes — which towns, which carrier, how many days out.
- Free shipping by volume: when the order crosses a spend-based discount tier, its shipping drops to zero. It's the nudge that raises the ticket without giving away price.
- Free-shipping coupon: for a one-off campaign or to win back an abandoned cart, the coupon zeroes out the shipping cost when applied.
- It cancels itself out: when either one applies, the chosen zone's cost goes to zero without touching that zone's setup.
The checkout already knows how each one pays and how they get their order.
This is what separates a wholesale store from an ordinary ecommerce: the terms don't belong to the store, they belong to each customer. Set once on their profile, applied on their own in every order they place.
- Their default payment method: the one that customer always uses arrives pre-selected, with its surcharge or discount already applied.
- Their default carrier: same idea for shipping. Someone who collects at the warehouse never has to pick a freight option they don't use.
- Their installments and exclusions: the installment cap and enabled methods per customer, not one rule for the whole store.
- Alongside the rest of their deal: their price list, their discount, their minimum order and their assigned rep. The profile is the commercial agreement, written once.
When payment and order don’t match, the system flags it and gives you the button.
Every order is classified on its own by what was paid online: settled, overpaid, incomplete or resolved outside. From the order detail you refund the excess in a click, cancel a Mercado Pago payment, ask the buyer for what’s missing or mark it collected another way. The buyer gets the email in every case.
- Refund the excess: returns only what’s over, split across approved payments.
- Request pending payment: an email with the link to complete what’s missing.
- Mark resolved: when the difference was settled by transfer, cash or account.