"Card token service not found" (404) when creating a subscription with a valid card token

[RyanOliveira00]

Description:
I'm trying to create a subscription using the Mercado Pago API, but I'm consistently encountering the error "Card token service not found" with a 404 status code. I've followed the documentation and implemented all the necessary steps, but the issue persists.

Here’s what I’ve done so far:

1. Generated a Card Token:
   I used the Mercado Pago SDK on the frontend to generate a card token. The token is created successfully, and I pass it to the backend.

2. Created or Fetched a Customer:
   I check if a customer exists using their email. If not, I create a new customer using the MercadoPagoCustomer.create method. The customer is created successfully, and I receive a valid customerId.

3. Linked the Card to the Customer:
   I use the MercadoPagoCustomer.createCard method to link the card token to the customer. This step also succeeds, and I receive a valid cardResponse.id.

4. Created the Subscription:
   Finally, I attempt to create a subscription using the MercadoPagoPreApproval.create method. However, this step fails with the error "Card token service not found" and a 404 status code.

Code Snippet:
Here’s the relevant part of my code:

// Step 1: Create or fetch customer
const getCustomer = await MercadoPagoCustomer.search({
  options: {
    email: data.userEmail,
  },
});

let customer = null;

if (getCustomer.results?.length > 0) {
  customer = getCustomer.results[0];
} else {
  customer = await MercadoPagoCustomer.create({
    body: {
      email: data.userEmail,
      identification: {
        type: "CPF",
        number: "00000000000",
      },
      phone: {
        area_code: "00",
        number: "000000000",
      },
      first_name: data.name.split(" ")[0],
      last_name: data.name.split(" ")[1],
      description: `Assinante do ${data.name} - ${data.id} - `,
    },
    requestOptions: {
      idempotencyKey: randomUUIDv7(),
    },
  });
}

if (!customer || !customer.id) {
  throw new Error("Failed to create or fetch customer.");
}

// Step 2: Link card to customer
const cardResponse = await MercadoPagoCustomer.createCard({
  customerId: customer.id,
  body: {
    token: data.cardToken,
  },
});

if (!cardResponse || !cardResponse.id) {
  throw new Error("Failed to link card to customer.");
}

// Step 3: Create subscription
const subscription = await MercadoPagoPreApproval.create({
  body: {
    reason: `Assinatura do ${data.name} - Fenômeno Azul`,
    external_reference: data.id,
    payer_email: data.userEmail,
    auto_recurring: {
      frequency: 1,
      frequency_type: "months",
      start_date: data.startDate,
      end_date: data.endDate,
      currency_id: "BRL",
      transaction_amount: Number(data.value.toFixed(2)),
    },
    back_url: `${env.FRONTEND_HOST_NAME}`,
    card_token_id: cardResponse.id, // Using the card_token_id from the previous step
    status: "authorized",
  },
  requestOptions: {
    idempotencyKey: randomUUIDv7(),
  },
});

Error Details:
The error occurs when calling MercadoPagoPreApproval.create. Here’s the full error response:

{
  "message": "Card token service not found",
  "status": 404
}

Additional Information:

• I’m using the sandbox environment for testing.
• The card token is generated using a valid test card:
  • Number: 5031 4332 1540 6351
  • Security Code: 123
  • Expiration Date: 11/2025
• The customerId and cardResponse.id are both valid and correctly returned by the API.
• I’ve verified that the cardToken is not expired and is correctly passed to the backend.

Questions:

1. Why is the "Card token service not found" error occurring even though the card token is valid and linked to the customer?
2. Are there any additional steps or configurations required to create a subscription with a card token?
3. Is there a known issue with the MercadoPagoPreApproval.create method in the sandbox environment?

Environment:

• SDK Version: 2.1.0
• Environment: Sandbox
• API Endpoint: https://api.mercadopago.com

[JoaoCardoso00]

+1

[andreagostinho-meli]

@RyanOliveira00 hello!
When generating the card token, please try to use a productive card instead of a test card.
I saw that another person had the same problem as you, look at this discussion.

[RyanOliveira00]

Hi @andreagostinho-meli,

thanks for answering me!

How can I test subscriptions and related webhooks? I found this part very complicated, spending hours reading the documentation, you don't find much information

[andreagostinho-meli]

@RyanOliveira00 you can test webhooks accessing the Developers panel, select your application, in the left menu you will find the option Webhooks.

[ecatugy]

@RyanOliveira00 you can test webhooks accessing the Developers panel, select your application, in the left menu you will find the option Webhooks.

It doesn’t work using test credentials always throws the exception Card token service not found, even when setting the webhook URL in the Mercado Pago portal or explicitly including it in the request properties. This is critical, because according to Mercado Pago’s policies, you cannot use production credentials to test credit card payments from the same account. In this case, what is the developer supposed to do if the provided sandbox environment is faulty?