Mercado Pago Payment Link
Mercado Pago Payment Link lets sellers create a link for a sale and share it with customers, without needing a website or ecommerce store.
What Mercado Pago Payment Link is
Mercado Pago Payment Link lets sellers create a link for a sale and share it with customers, without needing a website or ecommerce store. To make one, the seller enters an amount, chooses payment methods and installment options, sets an expiry, then shares the link through channels such as WhatsApp, social media, chats, or websites. Customers can pay without a Mercado Pago account. Listed payment methods include credit cards, Caixa virtual debit card, Mercado Pago balance, Linha de Crédito, Pix, and boleto. Sellers can offer up to 18 installments; offering them without an added buyer charge incurs a fee alongside the processing fee. The page lists same-day, 14-day, and 30-day payout options, though some new sellers receive funds in seven days until same-day payout is available. There is no monthly fee, but processing and possible installment fees apply when a sale is made. Mercado Pago says it monitors transactions around the clock, uses security models and 3DS 2.0, and offers seller protection for certain disputes or physical-goods fraud cases.
Good
- Customers can pay without a Mercado Pago account.
- Links can be shared through WhatsApp and social media.
- Sellers can offer up to 18 installments.
- No monthly fee; charges apply when a sale is made.
- No website or ecommerce setup is required.
Watch out
- Processing fees apply to sales.
- Installments without a buyer charge incur an additional fee.
- Some new sellers receive funds in seven days before same-day payout is available.
Who it suits
This payment link suits businesses that want to collect payments remotely through social channels without setting up a site or ecommerce store. Sellers should account for transaction charges and payout timing when choosing payment and installment options.
Verdict
Mercado Pago Payment Link offers a way to take remote payments without building an online store. It may suit sellers using social channels, but they should review the processing fees and payout options before setting terms.
Plans and prices
From Mercado Pago Payment Link's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Pay as you sell | Free | 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 · No monthly fee; processing fees apply only when you make a sale. |
| Boleto | Priced on request | boleto payments; settlement within 3 days · 3.99% per sale |
| Credit card — 14-day receipt | Priced on request | credit cards; settlement in 14 days · 4.48% per sale |
| Credit card — 30-day receipt | Priced on request | credit cards; settlement in 30 days · 3.99% per sale |
| Credit card — immediate receipt | Priced on request | credit cards; funds available immediately when eligible · 4.98% per sale |
| Pix | Priced on request | Pix payments; immediate receipt · 0.99% per sale |
The facts
Each one read from Mercado Pago Payment Link's own pages, with the date it was checked.
What it does
- API extensibility
- The developer stack exposes REST APIs, webhooks, sandbox testing, refunds, cancellations, reports and configurable checkout behavior.checked 14 Oct 2026
- Buyer account
- Customers can pay through the link without having a Mercado Pago account.checked 4 Oct 2026
- Buyer account requirement
- A customer can pay a payment link without having a Mercado Pago account.checked 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.checked 14 Oct 2026
- Checkout Pro API
- The developer portal documents Checkout Pro through a Preferences API that redirects buyers to Mercado Pago checkout.checked 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.checked 14 Oct 2026
- Fraud controls
- Mercado Pago states that it monitors transactions continuously, uses risk models and 3DS 2.0, and reviews risky charges.checked 14 Oct 2026
- Installments
- The product advertises up to 18 interest-free installments for the buyer when the seller pays the additional installment fee.checked 14 Oct 2026
- Integration examples
- GetApp reviewers and integration listings mention Shopify, WooCommerce, WhatsApp, Alboom Prosite, Loja Integrada and Calendly.checked 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.checked 4 Oct 2026
- Limit: declines and holds
- Global Trustpilot reviewers report card-payment refusals, account restrictions, delayed refunds and retained funds.checked 14 Oct 2026
- Limit: fees and transfer delays
- GetApp's review summary reports complaints about high fees and occasional delays in transferring funds.checked 14 Oct 2026
- Limit: strict risk checks
- GetApp says some reviewers find security checks restrictive because legitimate payments or account access can be blocked.checked 14 Oct 2026
- Limit: support complaints
- Trustpilot Brazil reviews repeatedly allege slow or ineffective support and unresolved payment or account issues.checked 14 Oct 2026
- Link creation
- The seller enters an amount, chooses payment methods, installment settings and expiry, then shares the generated link.checked 14 Oct 2026
The company
- Company founding date
- The Brazilian legal entity's registration opening date is 22 December 2008.checked 14 Oct 2026
- Company headquarters
- The Brazilian entity is registered at Avenida das Nações Unidas 3003, Bonfim, Osasco, São Paulo.checked 14 Oct 2026
- Company legal entity
- The Brazilian operating entity is Mercado Pago Instituição de Pagamento Ltda., CNPJ 10.573.521/0001-91.checked 14 Oct 2026
- Headquarters
- Osasco, São Paulo, Brazilchecked 28 Sep 2026
- Maker founded
- MercadoLibre says it was founded in 1999.checked 4 Oct 2026
Where it runs
- JavaScript browser support
- MercadoPago.js documents support for Chrome 80+, Firefox 74+, Safari 14+, Edge 80+, Opera and Internet Explorer 11 on desktop.checked 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.checked 14 Oct 2026
- Limit: iOS complaints
- Apple reviews include reports of transfers not completing, unexplained account suspensions, held balances and inadequate support.checked 14 Oct 2026
- Mobile apps
- The Mercado Pago app is listed for iPhone and the Google Play listing describes the app as supporting payment links for sellers.checked 4 Oct 2026
Alternatives to Mercado Pago Payment Link
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