Payment Facilitators are entities that offer payment solutions for end customers (submerchants), allowing them to sell their products and services. There are two types of Payment Facilitators:

• Subacquirer: it is a legal entity that enables other companies or individuals to accept card payments, mediating payment transactions on behalf of submerchants and settling the revenue into their respective bank accounts.

• Marketplace: it is a site or platform that sells its own products or services and those of third parties, facilitating payment transactions and settling the revenue into their respective bank accounts. It is subject to the same rules as a subacquirer because it intermediates the financial flow for the submerchant.

Mercado Pago functions as a submerchant and is therefore covered by BCB Circular No. 3978/2020, which requires that all Payment Facilitators identify the ultimate beneficiaries of a transaction.

For this reason, it is mandatory to send the "sub_merchant" attribute parameters when integrating within the Payment Facilitators model in Wallet Connect. If the fields are not sent, the card network may apply penalties that will be passed on to the Payment Facilitator.

To ensure that all data is correctly sent and to help you adapt your integration if necessary, we have improved the documentation and the Wallet Connect API Reference, including details of the attributes pertaining to "forward_data.sub_merchant", so you have all the necessary information when integrating.

Access the documentation and don't wait to update your integrations.