CobroYa

Cobra con Mercado Pago en 10 segundos.

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

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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".

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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.

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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"

3. Run:

npx cobroya-telegram

Or from source:

npm run bot

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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"

3. Run the webhook server:

npm run whatsapp
# Starts on http://localhost:3000/webhook

4. 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.

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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.

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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

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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
  }
}

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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

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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

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License

MIT -- by dan1d