# MD for: https://www.mercadopago.com.pe/developers/es/docs/automatic-payments/overview.md

 Integrate Automatic Payments  Make recurring payments, frictionless one-time payments, and one-click payments without requesting the card CVV for each transaction. 

 Recurring payments without CVV 

 Automated charges 

 Advanced integration 

 Customized recurrence 

 Looking for development-free options? Explore [other solutions](https://www.mercadopago.com.pe/developers/en/docs#online-payments). 

 What it offers  Automate billing processes with stored cards and increase your approval rate with card networks and issuers. 

Merchant-initiated payments (MIT)

  * Transactions processed automatically, without customer intervention.
  * Recurring charges, scheduled debits, and subscriptions without buyer action.
  * Automatic retries with a higher approval rate with card networks.

Customer-initiated payments (CIT)

  * Transactions completed with the payer present in the session.
  * One-click purchases with a saved card, without re-entering payment details.
  * Support for the first payment in subscriptions and future authorizations.

Transaction identification with card networks

  * Linking between past and present payments for greater card network confidence.
  * Differentiation of legitimate charges from fraud attempts.
  * Processing recognized by the leading card networks.

Card migration and Card on File

  * Start billing with cards migrated from other providers without recapturing card data.
  * Support for the Card on File flow for card vault migrations.

 How it works 

 The buyer makes the first payment with the card present. The card is tokenized and securely stored. Subsequent payments can already be processed with the tokenized card, without requiring the CVV again. 

[ How to integrate ](https://www.mercadopago.com.pe/developers/en/docs/automatic-payments/introduction)

 Payment flow 
1. The buyer makes the first payment with the card present in the interface.
2. The card is tokenized and securely stored in Mercado Pago.
3. Subsequent payments can already be processed with the tokenized card, without requesting the CVV again.
[ How to integrate ](https://www.mercadopago.com.pe/developers/en/docs/automatic-payments/introduction)

Supported billing typesUnderstand the different automatic payment scenarios and choose the one that best fits your business model.

CIT Payments

MIT Payments

Transaction initiator

Transaction initiator

Customer — with the payer present in the session

Transaction initiator

Merchant — without user intervention

Use cases

Use cases

First subscription payment, one-click purchases, and future authorizations

Use cases

Recurring charges, automatic debits, and subscriptions

Frequency

Frequency

Recurring or event-based

Frequency

Recurring or event-based

Payment retries

Payment retries

\-

Payment retries

Available payment methods

Available payment methods

Credit and debit cards.

Available payment methods

Credit and debit cards.

 How to integrate 

 Learn the steps to integrate Automatic Payments. 

 Prerequisites 
* **Mercado Pago account**  
You need to have a Mercado Pago or Mercado Libre account. If you don't have one, [click here](https://www.mercadopago.com.pe/hub/registration/landing) to create one for free.
* **Contact with Sales representative**  
You need authorization from the Sales team to use this solution.

 Integration process 

1. Check the [prerequisites](https://www.mercadopago.com.pe/developers/en/docs/automatic-payments/prerequisites) for the integration.
2. [Process recurring charges](https://www.mercadopago.com.pe/developers/en/docs/automatic-payments/recurring-charges) with stored cards.
3. Configure [Automatic Payments Messaging](https://www.mercadopago.com.pe/developers/en/docs/automatic-payments/recurring-charges#bookmark%5Fget%5Fcard%5Fdata) to correctly classify each transaction.
4. [Recover recurring payments](https://www.mercadopago.com.pe/developers/en/docs/automatic-payments/recurring-charges/retry-recurring-payments) and monitor approval rates.
5. [Test your integration](https://www.mercadopago.com.pe/developers/en/docs/automatic-payments/integration-test) in the sandbox environment.
[ I want to start integrating ](https://www.mercadopago.com.pe/developers/en/docs/automatic-payments/introduction)


flowchart TD
  A[Prerequisites] --> B[Recurring charges]
  B --> C[Payments messaging]
  C --> D[Recover recurring payments]
  D --> E[Test integration]
  E --> F{Was the test successful?}
  F -- No --> G[Fix configuration] --> E
  F -- Yes --> H[Go to production]