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quality.\n  Drop this in as packages/mercadopago/README.md after a final once-over.\n  The structure follows the patterns Vercel themselves use on\n  https://github.com/vercel/ai-sdk and https://github.com/vercel/next.js\n  for their public OSS repos.\n\n  Hard rules:\n  - Lead with what it is and a 3-line install + first call.\n  - Real numbers (latency, bundle size) only: no \"fast\", \"blazing\", \"robust\".\n  - Code blocks runnable as-pasted (no `// ...` placeholders that hide work).\n  - One-screen scrolling for the top: header → install → first call → core API.\n  - Everything below is reference, not pitch.\n-->\n\n# `@ar-agents/mercadopago`\n\n[![npm version](https://img.shields.io/npm/v/@ar-agents/mercadopago.svg?label=npm)](https://www.npmjs.com/package/@ar-agents/mercadopago)\n[![bundle size](https://img.shields.io/bundlephobia/minzip/@ar-agents/mercadopago.svg)](https://bundlephobia.com/package/@ar-agents/mercadopago)\n[![types](https://img.shields.io/npm/types/@ar-agents/mercadopago.svg)](https://arethetypeswrong.github.io/?p=@ar-agents/mercadopago)\n[![CI](https://github.com/ar-agents/ar-agents/actions/workflows/ci.yml/badge.svg)](https://github.com/ar-agents/ar-agents/actions/workflows/ci.yml)\n[![License: MIT](https://img.shields.io/badge/license-MIT-blue.svg)](./LICENSE)\n\nMercado Pago Agent Toolkit. Built on Vercel. 89 typed tools across the agent-relevant Mercado Pago API surface (Subscriptions, Payments, Checkout Pro, Marketplace OAuth, Order Management, Customers, Cards, Cuotas, QR, 3DS, Point devices, Stores+POS, Account/Balance/Settlements, Webhooks, Disputes, Lookups, Bank Accounts) for the [Vercel AI SDK](https://ai-sdk.dev/) 6 `Experimental_Agent`. Edge-Runtime-safe.\n\n> **Reading this as an agent?** Skip to [AGENTS.md](./AGENTS.md): decision tree, result schemas to memorize, error patterns, latency table.\n\n## Quick start\n\n```bash\npnpm add @ar-agents/mercadopago ai zod\n```\n\n```ts\nimport { Experimental_Agent as Agent, stepCountIs } from \"ai\";\nimport { MercadoPagoClient, mercadoPagoTools, InMemoryStateAdapter } from \"@ar-agents/mercadopago\";\n\nconst mp = new MercadoPagoClient({ accessToken: process.env.MP_ACCESS_TOKEN! });\n\nexport const agent = new Agent({\n  model: \"anthropic/claude-sonnet-4-6\",\n  instructions: \"Sos un asistente de billing para una SaaS argentina.\",\n  tools: mercadoPagoTools(mp, { state: new InMemoryStateAdapter(), backUrl: \"https://example.com/done\" }),\n  stopWhen: stepCountIs(8),\n});\n```\n\n```ts\nconst { text } = await agent.generate({\n  prompt: \"Cobrale $25.000 mensual a juan@example.com con razón 'Plan Pro'.\"\n});\n```\n\nThat's it. The agent picks `create_subscription`, returns an `init_point_url` you send to the customer, and the rest of the flow (first payment confirmation, recurring charges, webhooks) just works.\n\n## At a glance\n\n| | |\n| --- | --- |\n| **Tools** | 30: Subscriptions, Payments, Refunds, Checkout Pro, Cuotas, QR in-store, Saved cards, Marketplace OAuth, Order Management, Point devices, 3DS, Webhooks. [Full list](./AGENTS.md#tool-selection). |\n| **Bundle size** | 41 KB ESM brotli'd ([bundlephobia](https://bundlephobia.com/package/@ar-agents/mercadopago)). Tree-shakable subpath exports for `/vercel-kv` + `/otel`. |\n| **Runtime** | Vercel Edge, Node 18+, Cloudflare Workers, Deno: Web Crypto under the hood. |\n| **Tests** | 290 unit + property + failure-injection + benchmark. `pnpm test`, `pnpm bench`. |\n| **TypeScript** | Strict mode, `noUncheckedIndexedAccess`, `exactOptionalPropertyTypes`. publint + arethetypeswrong all 🟢. |\n| **AR-specific knowledge** | Cuotas with regulatory text (RG 5286/2023), AR issuer promo catalog, Subscription replay-protection, MLA-verified, ARS default. |\n\n## Server-only\n\nThis package **MUST** run on the server. The constructor throws if instantiated in a browser context: the access token would be exposed in the JavaScript bundle. Use Server Components, Route Handlers, or Server Actions.\n\n```ts\n// ❌ Never. Throws at runtime AND would leak the token if it didn't.\n\"use client\";\nconst mp = new MercadoPagoClient({ accessToken: ... });\n\n// ✅ Server Component / Route Handler / Server Action.\nimport { MercadoPagoClient } from \"@ar-agents/mercadopago\";\nexport async function POST(req: Request) {\n  const mp = new MercadoPagoClient({ accessToken: process.env.MP_ACCESS_TOKEN! });\n  // ...\n}\n```\n\n## API reference\n\n### `new MercadoPagoClient(options)`\n\nServer-side MP API client. Edge-Runtime safe.\n\n| Option | Default | Description |\n| --- | --- | --- |\n| `accessToken` (required) | no | TEST- prefix for sandbox, APP_USR- for production. |\n| `baseUrl` | `https://api.mercadopago.com` | Override for tests / regional hosts. |\n| `fetch` | `globalThis.fetch` | Custom fetch (e.g., MSW for tests). |\n| `requestTimeoutMs` | `30_000` | Per-request timeout. |\n| `maxRetries` | `1` | 5xx + network retries. 4xx never retried. |\n| `circuitBreaker` | no | `new CircuitBreaker({ ... })` to fail fast on cascading failures. |\n| `traceContext` | no | OpenTelemetry context propagator (W3C trace headers). |\n| `onCall` | no | Observability hook fired after every request. |\n\n### `mercadoPagoTools(client, options)`\n\nReturns the agent tool set wired to the given client.\n\n| Option | Required | Description |\n| --- | --- | --- |\n| `state` | yes | `SubscriptionStateAdapter`: `InMemoryStateAdapter`, `VercelKVSubscriptionStateAdapter`, or your own. |\n| `backUrl` | yes | HTTPS URL where MP redirects buyers after first payment. localhost rejected. |\n| `notificationUrl` | no | Webhook URL for new payments / status changes. |\n| `oauth` | no | `{ clientId, clientSecret, redirectUri, tokenStore }` for marketplace OAuth flows. |\n| `webhookSecret` | no | HMAC secret for `handle_webhook` (paste from MP dev panel). |\n| `descriptions` | no | Override individual tool descriptions for fine-tuning the LLM. |\n\n### Subpath exports\n\n| Subpath | When to use |\n| --- | --- |\n| `@ar-agents/mercadopago` | The 30 tools + client. Always-on. |\n| `@ar-agents/mercadopago/vercel-kv` | Vercel KV–backed adapters: `VercelKVSubscriptionStateAdapter`, `VercelKVOAuthTokenStore`, `VercelKVIdempotencyCache`, `VercelKVAuditLog`, `VercelKVRateLimiter` (distributed). Pulls in `@vercel/kv` peer dep. |\n| `@ar-agents/mercadopago/otel` | `instrumentMercadoPagoClient` + `instrumentMercadoPagoTools` for OpenTelemetry spans + metrics. Pulls in `@opentelemetry/api` peer dep. |\n\n## Production patterns\n\n### Idempotency by default\n\nEvery `POST` request gets an auto-generated UUID idempotency key: your app survives network blips without double-charging. For LLM-driven retries, `create_payment`, `create_subscription`, `create_payment_preference`, and `refund_payment` use a **deterministic** key derived from the inputs, so a tool retried with the same inputs returns the existing resource instead of creating a duplicate.\n\n### Webhook verification\n\n```ts\nimport { verifyWebhookSignature, parseWebhookEvent } from \"@ar-agents/mercadopago\";\n\nexport async function POST(req: Request) {\n  const url = new URL(req.url);\n  const rawBody = await req.text();\n  const event = parseWebhookEvent(JSON.parse(rawBody), url.searchParams);\n\n  const ok = await verifyWebhookSignature({\n    requestId: req.headers.get(\"x-request-id\"),\n    dataId: event!.dataId,\n    signatureHeader: req.headers.get(\"x-signature\"),\n    secret: process.env.MP_WEBHOOK_SECRET!,\n  });\n  if (!ok) return new Response(\"Invalid signature\", { status: 401 });\n  // process event...\n}\n```\n\n5-minute replay-tolerance window built in. Constant-time HMAC comparison.\n\n### Distributed rate limiting\n\nFor multi-region or marketplace deploys where serverless instances would each get their own per-process bucket:\n\n```ts\nimport { VercelKVRateLimiter } from \"@ar-agents/mercadopago/vercel-kv\";\n\nconst limiter = new VercelKVRateLimiter({\n  key: \"mp-account-prod\",\n  capacity: 50,\n  refillPerSecond: 25,\n});\n```\n\n### Cookbook\n\n9 recipes in [`./cookbook`](./cookbook/): Checkout Pro, SaaS subscription, webhook handler, marketplace split, QR in-store, 3DS challenge, manual capture, recovery patterns, full OpenTelemetry wiring.\n\n## Comparison\n\n| | `@ar-agents/mercadopago` | `mercadopago` (official SDK) | Hand-rolled |\n| --- | --- | --- | --- |\n| Tools as Vercel AI SDK 6 schemas | ✓ | no | build it |\n| AR-specific (cuotas, AR issuer promos, AR phone, MLA-verified) | ✓ | no | weeks |\n| `AGENTS.md` per package (LLM-readable) | ✓ | no |: |\n| Idempotency-by-default for state mutations | ✓ | no | build it |\n| Webhook signature verify + 5-min replay window | ✓ | client only | build it |\n| Edge Runtime support | ✓ | Node-only | build it |\n| Vercel KV adapters via subpath | ✓ | no |: |\n| OpenTelemetry instrumentation + recipe | ✓ | no | build it |\n| Circuit breaker + deadline propagation | ✓ | no | build it |\n| Tool middleware (compose audit/rate/metrics) | ✓ | no |: |\n| Time to first cobro | 30 min | 1+ week | 6-8 weeks |\n\nSee [`MIGRATION.md`](./MIGRATION.md) for a side-by-side `mercadopago` → `@ar-agents/mercadopago` migration guide.\n\n## Security\n\nThis package handles money. Read [SECURITY.md](../../SECURITY.md) before deploying:\n\n- The constructor refuses to instantiate in a browser context (token leak prevention).\n- Every webhook handler MUST call `verifyWebhookSignature` before trusting payload contents.\n- Irreversible tools (`refund_payment`, `cancel_*`, `delete_customer_card`) include explicit confirm-with-user instructions in their descriptions; the LLM should ask before calling.\n- Report vulnerabilities privately per [SECURITY.md](../../SECURITY.md).\n\n## License\n\n[MIT](./LICENSE) · © Nazareno Clemente\n\nIf this saves your team weeks of MP integration work, consider [sponsoring](https://github.com/sponsors/naza00000).\n","readmeFilename":"README.skeleton.md"}