- Home
- Digital Banking Apps in Brazil
- Mercado Pago Payment Link
Mercado Pago Payment Link
Osasco, São Paulo, Brazil
What it is
Mercado Pago Payment Link lets sellers make a link for a sale and share it with customers without setting up a website or ecommerce store. To create one, enter the sale amount, choose payment methods and installment options, set an expiry, and share the link through channels such as WhatsApp, social media, chats, or websites. Customers can pay without a Mercado Pago account. Listed methods include credit cards, Caixa virtual debit card, Mercado Pago balance, Linha de Crédito, Pix, and boleto. Sellers can offer up to 18 installments, with or without an added charge to the buyer; installments without that charge incur a fee in addition to processing fees. Payout options include same day, 14 days, and 30 days, though some new sellers receive funds in seven days until same-day payout becomes available. There is no monthly fee, but processing and possible installment fees apply to sales. Mercado Pago says it monitors transactions around the clock, uses security models and 3DS 2.0, reviews risky charges, and provides seller protection for certain disputes or physical-goods fraud.
For and against
For
- No website or ecommerce setup is required.
- Customers can pay without a Mercado Pago account.
- Links can be shared through WhatsApp and social channels.
- Sellers can offer up to 18 installments.
- No monthly fee.
Against
- Processing fees apply when a sale is made.
- Installment fees may apply.
- Some new sellers receive funds in seven days before same-day payout is available.
The verdict
Payment Link offers sellers a direct way to collect payments through shared links, with several payment methods and payout choices. There is no monthly charge, but sale processing and some installment options carry fees.
Who it suits
This link-based payment option suits businesses that want to sell remotely through social channels without a website or ecommerce store. It may also suit sellers who want buyers to pay without creating a Mercado Pago account.
Plans and prices
Pay as you sell
Credit card: 4.98% same day · 4.48% in 14 days · 3.99% in 30 days; Pix: 0.99% same day; boleto: 3.99% within 3 days; installment fees may apply
Read 4 Oct 2026 · mercadopago.com.br
Boleto
boleto payments; settlement within 3 days
Read 14 Oct 2026 · mercadopago.com.br
Credit card — 14-day receipt
credit cards; settlement in 14 days
Read 14 Oct 2026 · mercadopago.com.br
Credit card — 30-day receipt
credit cards; settlement in 30 days
Read 14 Oct 2026 · mercadopago.com.br
Credit card — immediate receipt
credit cards; funds available immediately when eligible
Read 14 Oct 2026 · mercadopago.com.br
Pix
Pix payments; immediate receipt
Read 14 Oct 2026 · mercadopago.com.br
On the record
- API extensibility
- The developer stack exposes REST APIs, webhooks, sandbox testing, refunds, cancellations, reports and configurable checkout behavior.mercadopago.com.br · read 14 Oct 2026
- Buyer account
- Customers can pay through the link without having a Mercado Pago account.mercadopago.com.br · read 4 Oct 2026
- Buyer account requirement
- A customer can pay a payment link without having a Mercado Pago account.mercadopago.com.br · read 14 Oct 2026
- Card brands
- The page lists Visa, Mastercard, American Express, Hipercard, Elo, Caixa and other supported brands plus Apple Pay and Google Pay.mercadopago.com.br · read 14 Oct 2026
- Checkout Pro API
- The developer portal documents Checkout Pro through a Preferences API that redirects buyers to Mercado Pago checkout.mercadopago.com.br · read 14 Oct 2026
- Company founding date
- The Brazilian legal entity's registration opening date is 22 December 2008.portaldatransparencia.gov.br · read 14 Oct 2026
- Company headquarters
- The Brazilian entity is registered at Avenida das Nações Unidas 3003, Bonfim, Osasco, São Paulo.portaldatransparencia.gov.br · read 14 Oct 2026
- Company legal entity
- The Brazilian operating entity is Mercado Pago Instituição de Pagamento Ltda., CNPJ 10.573.521/0001-91.portaldatransparencia.gov.br · read 14 Oct 2026
- Developer documentation depth
- The portal includes integration steps, web and mobile guides, webhooks, testing accounts, refunds, cancellations, disputes, reports, credentials and troubleshooting.mercadopago.com.br · read 14 Oct 2026
- Fraud controls
- Mercado Pago states that it monitors transactions continuously, uses risk models and 3DS 2.0, and reviews risky charges.mercadopago.com.br · read 14 Oct 2026
- Installments
- The product advertises up to 18 interest-free installments for the buyer when the seller pays the additional installment fee.mercadopago.com.br · read 14 Oct 2026
- Integration examples
- GetApp reviewers and integration listings mention Shopify, WooCommerce, WhatsApp, Alboom Prosite, Loja Integrada and Calendly.getapp.com · read 14 Oct 2026
- Intended users
- The maker presents the link as a way for businesses to sell remotely and collect payments through social channels without a site or ecommerce store.mercadopago.com.br · read 4 Oct 2026
- JavaScript browser support
- MercadoPago.js documents support for Chrome 80+, Firefox 74+, Safari 14+, Edge 80+, Opera and Internet Explorer 11 on desktop.github.com · read 14 Oct 2026
- Limit: Android complaints
- Recent Google Play reviews mention identity-verification delays, weak chatbot support, missing dark mode and requests for location or contacts.play.google.com · read 14 Oct 2026
- Limit: declines and holds
- Global Trustpilot reviewers report card-payment refusals, account restrictions, delayed refunds and retained funds.br.trustpilot.com · read 14 Oct 2026
- Limit: fees and transfer delays
- GetApp's review summary reports complaints about high fees and occasional delays in transferring funds.getapp.com · read 14 Oct 2026
- Limit: iOS complaints
- Apple reviews include reports of transfers not completing, unexplained account suspensions, held balances and inadequate support.apps.apple.com · read 14 Oct 2026
