In the ecommerce industry there are different platforms so that you can receive payments online safely. Among them, it is one of the most popular and effective, which is why many ecommerce sites offer this means of payment to their customers.
If you offer Mercado Pago in your online store, you have to know that this platform has very important anti-fraud tools. But if, in the event, there is a problem with your counterpart or someone tries to scam you, there is something like “insurance” that protects you: Mercado Pago Vendor Protection Program.
But be careful: from Mercado Pago they are in charge of clarifying that it is not insurance in the traditional sense of the term, but rather a system through which they will be able to offer refunds to users. There is also another similar program for buyers, but today we are going to focus on the one for ecommerce site owners.
What does the Mercado Pago Seller Protection Program consist of?
If you sell through Mercado Libre or , it is essential that you know the benefits of the Seller Protection Program.
Basically, the Program protects you in case you receive , unawareness of a purchase by a credit card holder. This can be for two main reasons:
- Someone used the buyer’s credit card without their authorization.
- The buyer declares that you did not comply with what was agreed (because the product arrived broken or did not arrive in the agreed conditions, among other things).
Once you receive a chargeback, and if you meet the requirements established by the Program, Mercado Pago will contact you to verify that there has not been a problem on your side and prevent you from losing money of the transaction. Below we tell you what are the necessary conditions to be covered.
Requirements of the Mercado Pago Vendor Protection Program
Now, the most important thing: how to access this Program? Well, there is a list of things you should keep in mind to be prepared in case you receive a chargeback with a payment made to you by Mercado Pago. What you will need is directly related to how you shipped the product.
mail delivery
If you sent the product using a mail service (such as OCA or Correo Argentino) you will need:
- The tracking code provided by the email.
- Or the physical receipt of the mail showing the buyer’s address and the date of shipment.
Parcel shipments to transport terminals
Did you hire a service that delivers to terminals? Then you have to keep a receipt that shows:
- The terminal or delivery branch where the parcel was received.
- The date of the shipment.
- name and document of the person who received it.
Personal shipments (by courier or own means)
If you took charge of the shipment, consider that to apply to the Program you will be asked for proof of delivery with:
- an operation number of your online store with the title of the product.
- The date of delivery.
- Name, document and signature of the person who received it.
Market Shipments
If you used Mercado Envios, you do not need to present any proof, you are always covered. 🙂
In all cases it is advisable that:
- Confirm the identity of the person who receives the product.
- Keep all the documentation of shipments (at least for a few months).
- Hire reliable services to make deliveries.
Even so, we suggest you read them to learn in detail how this Mercado Pago tool works.
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