Mercado Pago
The facts below are what the maker publishes about Mercado Pago, checked and dated. Our editors have not written about it yet.
Plans and prices
From Mercado Pago's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Cuenta digital | Free | Cuenta gratuita · transferencias gratis · tarjeta sin costo anual |
| Cuenta gratis | Free | Free Mercado Pago account; no website required to create payment links |
| Link de pago — money available in 35 days | $1.49, paid once | Fee per sale · 1.49% · Argentine peso rate shown as 1,49% · taxes may apply |
| Link de pago — money available in 18 days | $3.39, paid once | Fee per sale · 3.39% · Argentine peso rate shown as 3,39% · taxes may apply |
| Link de pago — money available in 10 days | $4.39, paid once | Fee per sale · 4.39% · Argentine peso rate shown as 4,39% · taxes may apply |
| Link de pago — money available instantly | $6.29, paid once | Fee per sale · 6.29% · Argentine peso rate shown as 6,29% · taxes may apply |
| Link de pago | Priced on request | Cobro al instante 6,29% · 10 días 4,39% · 18 días 3,39% · 35 días 1,49% · cuotas adicionales hasta 41,59% |
| Cobro con QR | Priced on request | Dinero en cuenta 0,8% + IVA · débito desde 0,85% + IVA · crédito desde 4,19% + IVA · tasas dependen del plazo |
The facts
Each one read from Mercado Pago's own pages, with the date it was checked.
What it does
- Account security
- Mercado Pago recommends biometric phone authentication, facial recognition and QR verification, and security alerts delivered by email, WhatsApp, SMS, or notification.checked 11 Oct 2026
- API
- La API pública usa la base URL api.mercadopago.com y exige HTTPS y credenciales de aplicación en cada solicitud.checked 15 Oct 2026
- Checkout
- Las integraciones incluyen Checkout Pro, Checkout API, Checkout Bricks y suscripciones recurrentes.checked 15 Oct 2026
- Crédito
- Mercado Pago ofrece compras de hasta 12 cuotas y préstamos personales sujetos a evaluación crediticia.checked 15 Oct 2026
- Customer support
- Mercado Pago provides a Help Center with searchable help topics and a shortcut to report a security problem.checked 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.checked 11 Oct 2026
- Documentación
- La documentación cubre guías de inicio, referencia API, credenciales, notificaciones, seguridad, ejemplos y soluciones de checkout.checked 15 Oct 2026
- E-commerce integrations
- Mercado Pago lists plugins for Shopify, WooCommerce, Tiendanube, VTEX, Wix, and Adobe Commerce (Magento), among other platforms.checked 11 Oct 2026
- Fraud protection
- The Link de pago page states that each sale has antifraud protection.checked 11 Oct 2026
- Funciones de cuenta
- La cuenta permite pagar servicios, recargar celulares y transporte, transferir dinero y recibir pagos desde una aplicación móvil.checked 15 Oct 2026
- Integraciones
- El portal de desarrolladores proporciona soluciones para ventas web, redes sociales, tiendas físicas, QR y dispositivos Point.checked 15 Oct 2026
- Integration security
- The Tiendanube integration page describes PCI-DSS data protection, integrated antifraud monitoring, and filters for suspicious orders.checked 11 Oct 2026
- Legal entity
- The Argentine privacy annex identifies Mercado Libre S.R.L. as the responsible entity for Mercado Pago services.checked 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.checked 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.checked 15 Oct 2026
- Limit: expensive credit
- Software Advice reviewers repeatedly warn that Mercado Pago credit and loan interest can be very high.checked 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.checked 15 Oct 2026
- Limit: support and disputes
- Trustpilot complaints repeatedly mention blocked funds, unresolved refunds, duplicated or unauthorized charges and ineffective customer support.checked 15 Oct 2026
- Link de pago
- Los vendedores pueden crear enlaces y compartirlos por WhatsApp, Instagram, Facebook o correo sin tener una tienda online.checked 15 Oct 2026
- Mobile contactless payments
- Tap to Pay lets sellers accept contactless card or digital wallet payments from an Android phone with NFC and Android 10 or higher.checked 11 Oct 2026
The company
- Company size
- LinkedIn lists Mercado Pago as having more than 10,001 employees and headquarters in Buenos Aires.checked 15 Oct 2026
- Founded
- Mercado Pago was launched in 2003 as part of Mercado Libre's expansion.checked 15 Oct 2026
Money
- Free plan
- Yeschecked 20 Sep 2026
Where it runs
- Mobile platforms
- bothchecked 20 Sep 2026
