Peru Payments (Mercado Pago — Yape / PagoEfectivo)

Create a payment link in PEN for Peru via Mercado Pago. Buyer pays with Yape, PagoEfectivo cash, cards, Mercado Pago wallet. Returns a hosted checkout URL the buyer opens to pay — payment completes automatically, no confirm step. Bring your own credentials via HTTP header (x-mercadopago-access-token; free test credentials from mercadopago.com developers never move real money). Money always flows buyer→Mercado Pago→merchant; this service never touches funds.

Check whether a Peru payment (created by create_payment_link) has been paid. Queries Mercado Pago directly — pull-based, no webhook needed. paid=true when status is PAID (Mercado Pago APPROVED).

Refund a paid payment (created by create_payment_link). Full refund by default; pass amount for a partial refund where supported. Refunds respect the same owner policy guardrails (x-agentpay-max-amount) as payments — the amount is checked before anything is sent to the gateway.