Token invalido

[ErickZH]

Hola,
Al intentar crear un pago usando el SDK o el API obtengo como resultado que el token es invalido.

1. Obtengo el token de la siguiente manera:

curl --request POST \
  --url https://api.mercadopago.com/v1/card_tokens \
  --header 'Authorization: Bearer ACCESS_TOKEN' \
  --header 'Content-Type: application/json' \
  --data '{
	"json_data": {
		"card_id": "1653425910887",
		"customer_id": "1129713549-iUhqU60pszx6O8",
		"security_code": "123"
	}
}'

La respuesta del request anterior es:

{
	"id": "b5efa79f359e27178956e4430522a57e",
	"cardholder": {
		"identification": {}
	},
	"status": "active",
	"date_created": "2022-05-24T19:16:44.279-04:00",
	"date_last_updated": "2022-05-24T19:16:44.279-04:00",
	"date_due": "2022-06-01T19:16:44.279-04:00",
	"luhn_validation": false,
	"live_mode": false,
	"require_esc": false
}

2. Crear pago

curl --request POST \
  --url https://api.mercadopago.com/v1/payments \
  --header 'Authorization: Bearer ACCESS_TOKEN' \
  --header 'Content-Type: application/json' \
  --data '{
	"binary_mode": true,
	"external_reference": "some-reference",
	"transaction_amount": 400.0,
	"payer": {
		"type": "customer",
		"id": "1129713549-iUhqU60pszx6O8"
	},
	"payment_method_id": "visa",
	"installments": 1,
	"token": "b5efa79f359e27178956e4430522a57e",
	"description": "Payment with MP"
}'

El resultado con el SDK o el API siempre es el mismo

{
	"message": "Invalid card token",
	"error": "bad_request",
	"status": 400,
	"cause": [
		{
			"code": 2062,
			"description": "Invalid card token",
			"data": "24-05-2022T21:47:47UTC;ea69c4cc-9d3e-4db7-abb8-f9d1b9f86e1c"
		}
	]
}

Alguna idea?

[ViniciusCosta1234]

Has no one resolved this yet? Up, this error is directly in Mercado Pago's code. Can someone please help?

[DanielChrome]

I'm receiving this error in test mode using backend with GO.

Test card used:
4235647728025682
11/30
123

Token generated:

{
    "token": "86f56cf78120109f20b65910a8e86b53",
    "issuer_id": "25",
    "payment_method_id": "visa",
    "transaction_amount": 1100,
    "installments": 1,
    "payer": {
        "email": "test@test.com",
        "identification": {
            "type": "CPF",
            "number": "12345678909"
        }
    }
}

Backend Response when try to create an order:

{
	"errors": [
		{
			"code": "failed",
			"message": "The following transactions failed",
			"details": [
				"PAY01JXGPA01KYVYCR3TSSCP7CPF0: invalid_card_token"
			]
		}
	],
	"data": {
		"id": "ORD01JXGPA01KYVYCR3TSSA0JW446",
		"type": "online",
		"processing_mode": "automatic",
		"external_reference": "8b838aee-dd29-4a67-a081-dcd8c56ece5f",
		"total_amount": "1100.00",
		"country_code": "BRA",
		"user_id": "238958015",
		"status": "failed",
		"status_detail": "failed",
		"capture_mode": "automatic_async",
		"currency": "BRL",
		"created_date": "2025-06-11T23:48:18.612Z",
		"last_updated_date": "2025-06-11T23:48:19.258Z",
		"integration_data": {
			"application_id": "7532083113972835"
		},
		"transactions": {
			"payments": [
				{
					"id": "PAY01JXGPA01KYVYCR3TSSCP7CPF0",
					"amount": "1100.00",
					"reference_id": "0003v50mvn",
					"status": "failed",
					"status_detail": "invalid_card_token",
					"payment_method": {
						"id": "visa",
						"type": "credit_card",
						"token": "86f56cf78120109f20b65910a8e86b53",
						"installments": 1
					}
				}
			]
		}
	}
}

Any suggestion?

SOLVED
I was trying to create an order instead a payment. And I forgot to send on CARD HOLDER NAME the value "APRO" to be approved.

[ErickZH]

Can you see https://www.mercadopago.com.mx/developers/es/docs/adobe-commerce/additional-content/your-integrations/test/cards and use a valid card for Mercado Pago

[DanielChrome]

I'm already using a test card, But I founded my error.
I was trying to create an order instead a payment. And I forgot to send on CARD HOLDER NAME the value "APRO" to be approved.

Now is works. Thanks for attention