Skill

mp-money-out

Mercado Pago money-out operations. Covers disbursements and bank transfers. Use when implementing payouts, withdrawals, or transfers from MP accounts.

Install

npx claudepluginhub mercadopago/mercadopago-claude-marketplace --plugin mp-developer

Tool Access

This skill uses the workspace's default tool permissions.

Preview

Mercado Pago money-out operations. Covers disbursements and bank transfers for payouts and withdrawals.

Supporting Assets

references/money-out-guide.md

SKILL.md

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Stats

Parent Repo Stars2

Parent Repo Forks0

Last CommitMar 6, 2026

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mp-money-out

Mercado Pago money-out operations. Covers disbursements and bank transfers for payouts and withdrawals.

Products Covered

Disbursements: Pay out funds to third parties (sellers, partners, employees) via bank transfer or Mercado Pago account.
Bank Transfers: Withdraw funds from your Mercado Pago account to an external bank account.

When to Use This Skill

Trigger on keywords: disbursement, transfer, money out, payout, bank_transfer, withdrawal, retiro, transferencia, desembolso.

NOT for payment collection -- redirect to mp-checkout-online instead.

Decision Tree

Need to send money out
|-- Pay to seller/third-party?
|   +-- Disbursement API
+-- Withdraw to own bank account?
    +-- Bank Transfer / Withdrawal API

Integration Flow

Verify sufficient balance in the Mercado Pago account.
Create a disbursement or transfer request with recipient details.
Include recipient bank details (CBU/CVU, CLABE, Pix key, etc.) or Mercado Pago account ID.
Monitor the transfer status via webhooks.
Reconcile completed transfers with your internal reports.

Gotchas

Disbursements may take 1-3 business days depending on the destination bank and country.
Bank account validation is asynchronous. The initial API response confirms the request was received, not that the transfer succeeded.
Insufficient balance returns a specific error code. Always check balance before attempting a transfer.
Some operations require additional KYC (Know Your Customer) verification on the account.
Transfer limits vary by country and account level. Check the current limits before building your UI.
Weekend and holiday transfers may be delayed until the next business day.

Prerequisites

Approved application with disbursement permissions (requires Mercado Pago review).
Sufficient available balance in the Mercado Pago account.
Active Mercado Pago account with credentials (access token).

Country Availability

AR, BR, MX, CL, CO (availability and specific features vary by country).

What to Fetch from MCP

Use the MCP server to retrieve current data for:

Disbursement creation endpoints and payload schemas
Bank transfer endpoints
Status query endpoints
Error codes and their meanings
Transfer limits by country and account level

What to Fetch from Docs

{DOMAIN}/developers/{LANG}/docs/money-out/landing (if available)
{DOMAIN}/developers/{LANG}/reference/disbursements