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Mercado Pago
What it is
Mercado Pago offers sellers ways to accept payments online and in person, including payment links, QR codes, card readers, and e-commerce checkout integrations. Sellers can create a link with a price and product or service name and share it through messaging, social networks, email, or other channels without a website. Buyers can pay by credit card in installments, debit, cash, Mercado Pago balance, or Mercado Crédito where available; the payment-link page says each sale has antifraud protection. Tap to Pay accepts contactless card or digital-wallet payments from an Android phone with NFC and Android 10 or higher. Point Smart accepts debit and credit cards, QR codes, and payment links, and includes a free data plan and Wi-Fi. Listed e-commerce integrations include Shopify, WooCommerce, Tiendanube, VTEX, Wix, and Adobe Commerce. A free Mercado Pago account is listed as free. Payment-link fees are $1.49, paid once for funds available in 35 days, $3.39, paid once in 18 days, $4.39, paid once in 10 days, or $6.29, paid once instantly; taxes may apply.
For and against
For
- Free account listed as free
- Payment links can be shared without a website
- Accepts multiple payment methods
- Offers e-commerce integrations and developer tools
Against
- Payment-link fees vary by payout timing
- Taxes may apply to payment-link fees
- Tiendanube plugin has no test environment
- Tap to Pay requires Android 10 or higher and NFC
The verdict
Mercado Pago covers several ways to collect payments, with link fees tied to when funds are available. Sellers using the Tiendanube plugin should note that validation is performed in production with real payments.
Who it suits
It suits sellers looking to receive payments in person or online, including those who want to share payment links without a website. Businesses using listed e-commerce platforms may also find its integrations relevant.
Plans and prices
Cuenta digital
Cuenta gratuita · transferencias gratis · tarjeta sin costo anual
Read 15 Oct 2026 · mercadopago.com.ar
Cuenta gratis
Free Mercado Pago account; no website required to create payment links
Read 11 Oct 2026 · mercadopago.com.ar
Link de pago — money available in 35 days
Fee per sale · 1.49% · Argentine peso rate shown as 1,49% · taxes may apply
Read 11 Oct 2026 · mercadopago.com.ar
Link de pago — money available in 18 days
Fee per sale · 3.39% · Argentine peso rate shown as 3,39% · taxes may apply
Read 11 Oct 2026 · mercadopago.com.ar
Link de pago — money available in 10 days
Fee per sale · 4.39% · Argentine peso rate shown as 4,39% · taxes may apply
Read 11 Oct 2026 · mercadopago.com.ar
Link de pago — money available instantly
Fee per sale · 6.29% · Argentine peso rate shown as 6,29% · taxes may apply
Read 11 Oct 2026 · mercadopago.com.ar
Link de pago
Cobro al instante 6,29% · 10 días 4,39% · 18 días 3,39% · 35 días 1,49%
Read 15 Oct 2026 · mercadopago.com.ar
Cobro con QR
Dinero en cuenta 0,8% + IVA · débito desde 0,85% + IVA · crédito desde 4,19% + IVA · tasas dependen del plazo
Read 15 Oct 2026 · mercadopago.com.ar
On the record
- Account security
- Mercado Pago recommends biometric phone authentication, facial recognition and QR verification, and security alerts delivered by email, WhatsApp, SMS, or notification.mercadopago.com.ar · read 11 Oct 2026
- API
- La API pública usa la base URL api.mercadopago.com y exige HTTPS y credenciales de aplicación en cada solicitud.mercadopago.com.ar · read 15 Oct 2026
- Checkout
- Las integraciones incluyen Checkout Pro, Checkout API, Checkout Bricks y suscripciones recurrentes.mercadopago.com.ar · read 15 Oct 2026
- Company size
- LinkedIn lists Mercado Pago as having more than 10,001 employees and headquarters in Buenos Aires.linkedin.com · read 15 Oct 2026
- Crédito
- Mercado Pago ofrece compras de hasta 12 cuotas y préstamos personales sujetos a evaluación crediticia.mercadopago.com.ar · read 15 Oct 2026
- Customer support
- Mercado Pago provides a Help Center with searchable help topics and a shortcut to report a security problem.mercadopago.com.ar · read 11 Oct 2026
- Developer tools
- Its developer documentation describes SDKs and APIs for creating and checking transactions, integrating payment methods, and issuing refunds or chargebacks.mercadopago.com.ar · read 11 Oct 2026
- Documentación
- La documentación cubre guías de inicio, referencia API, credenciales, notificaciones, seguridad, ejemplos y soluciones de checkout.mercadopago.com.ar · read 15 Oct 2026
- E-commerce integrations
- Mercado Pago lists plugins for Shopify, WooCommerce, Tiendanube, VTEX, Wix, and Adobe Commerce (Magento), among other platforms.mercadopago.com.ar · read 11 Oct 2026
- Fraud protection
- The Link de pago page states that each sale has antifraud protection.mercadopago.com.ar · read 11 Oct 2026
- Funciones de cuenta
- La cuenta permite pagar servicios, recargar celulares y transporte, transferir dinero y recibir pagos desde una aplicación móvil.play.google.com · read 15 Oct 2026
- Integraciones
- El portal de desarrolladores proporciona soluciones para ventas web, redes sociales, tiendas físicas, QR y dispositivos Point.mercadopago.com.ar · read 15 Oct 2026
- Integration security
- The Tiendanube integration page describes PCI-DSS data protection, integrated antifraud monitoring, and filters for suspicious orders.mercadopago.com.ar · read 11 Oct 2026
- Legal entity
- The Argentine privacy annex identifies Mercado Libre S.R.L. as the responsible entity for Mercado Pago services.mercadopago.com.ar · read 15 Oct 2026
- Licencias de SDK
- Los SDK JavaScript, Android y React están bajo Apache 2.0, mientras que los SDK PHP y .NET usan MIT.github.com · read 15 Oct 2026
- Limit: entidad financiera
- En Argentina Mercado Pago declara que no está autorizado por el Banco Central como entidad financiera y que los saldos no son depósitos garantizados.mercadopago.com.ar · read 15 Oct 2026
- Limit: expensive credit
- Software Advice reviewers repeatedly warn that Mercado Pago credit and loan interest can be very high.softwareadvice.com · read 15 Oct 2026
- Limit: geographic availability
- Reviewers note that features and payment methods differ by country and that the service is concentrated in Latin America.softwareadvice.com · read 15 Oct 2026
