Mercado Pago Payment Link

Spec sheet

What it does

Payment Link lets a seller create a hosted checkout URL, share it through messaging or social channels, and collect payment without operating a website.Read 14 Oct 2026 · mercadopago.com.br

Purpose

Lets sellers create a payment link and share it with customers, without needing a website or ecommerce store.Read 4 Oct 2026 · mercadopago.com.br

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.Read 4 Oct 2026 · mercadopago.com.br

Mobile apps

The Mercado Pago app is listed for iPhone and the Google Play listing describes the app as supporting payment links for sellers.Read 4 Oct 2026 · apps.apple.com

Support

The payment-link page says support is available when needed; the general security page says support is available 24 hours.Read 4 Oct 2026 · mercadopago.com.br

Headquarters

Osasco, São Paulo, BrazilRead 28 Sep 2026 · mercadopago.com.br

API extensibility

The developer stack exposes REST APIs, webhooks, sandbox testing, refunds, cancellations, reports and configurable checkout behavior.Read 14 Oct 2026 · mercadopago.com.br

Buyer account

Customers can pay through the link without having a Mercado Pago account.Read 4 Oct 2026 · mercadopago.com.br

Buyer account requirement

A customer can pay a payment link without having a Mercado Pago account.Read 14 Oct 2026 · mercadopago.com.br

Card brands

The page lists Visa, Mastercard, American Express, Hipercard, Elo, Caixa and other supported brands plus Apple Pay and Google Pay.Read 14 Oct 2026 · mercadopago.com.br

Checkout Pro API

The developer portal documents Checkout Pro through a Preferences API that redirects buyers to Mercado Pago checkout.Read 14 Oct 2026 · mercadopago.com.br

Company founding date

The Brazilian legal entity's registration opening date is 22 December 2008.Read 14 Oct 2026 · portaldatransparencia.gov.br

Company headquarters

The Brazilian entity is registered at Avenida das Nações Unidas 3003, Bonfim, Osasco, São Paulo.Read 14 Oct 2026 · portaldatransparencia.gov.br

Company legal entity

The Brazilian operating entity is Mercado Pago Instituição de Pagamento Ltda., CNPJ 10.573.521/0001-91.Read 14 Oct 2026 · portaldatransparencia.gov.br

Developer documentation depth

The portal includes integration steps, web and mobile guides, webhooks, testing accounts, refunds, cancellations, disputes, reports, credentials and troubleshooting.Read 14 Oct 2026 · mercadopago.com.br

Fraud controls

Mercado Pago states that it monitors transactions continuously, uses risk models and 3DS 2.0, and reviews risky charges.Read 14 Oct 2026 · mercadopago.com.br

Installments

The product advertises up to 18 interest-free installments for the buyer when the seller pays the additional installment fee.Read 14 Oct 2026 · mercadopago.com.br

Integration examples

GetApp reviewers and integration listings mention Shopify, WooCommerce, WhatsApp, Alboom Prosite, Loja Integrada and Calendly.Read 14 Oct 2026 · getapp.com

JavaScript browser support

MercadoPago.js documents support for Chrome 80+, Firefox 74+, Safari 14+, Edge 80+, Opera and Internet Explorer 11 on desktop.Read 14 Oct 2026 · github.com

Limit: Android complaints

Recent Google Play reviews mention identity-verification delays, weak chatbot support, missing dark mode and requests for location or contacts.Read 14 Oct 2026 · play.google.com

Limit: declines and holds

Global Trustpilot reviewers report card-payment refusals, account restrictions, delayed refunds and retained funds.Read 14 Oct 2026 · br.trustpilot.com

Limit: fees and transfer delays

GetApp's review summary reports complaints about high fees and occasional delays in transferring funds.Read 14 Oct 2026 · getapp.com

Limit: iOS complaints

Apple reviews include reports of transfers not completing, unexplained account suspensions, held balances and inadequate support.Read 14 Oct 2026 · apps.apple.com

Limit: strict risk checks

GetApp says some reviewers find security checks restrictive because legitimate payments or account access can be blocked.Read 14 Oct 2026 · getapp.com

Limit: support complaints

Trustpilot Brazil reviews repeatedly allege slow or ineffective support and unresolved payment or account issues.Read 14 Oct 2026 · br.trustpilot.com

Link creation

The seller enters an amount, chooses payment methods, installment settings and expiry, then shares the generated link.Read 14 Oct 2026 · mercadopago.com.br

Maker founded

MercadoLibre says it was founded in 1999.Read 4 Oct 2026 · investor.mercadolibre.com

Mobile SDK coverage

Official mobile integration guides cover Flutter, React Native CLI, React Native Expo Go, Java or Kotlin and Swift.Read 14 Oct 2026 · mercadopago.com.br

No monthly fee

Mercado Pago says sellers pay processing charges only when a sale occurs and that there is no monthly fee.Read 14 Oct 2026 · mercadopago.com.br

No technical integration

The maker describes link creation as a process that does not require a website or ecommerce setup.Read 4 Oct 2026 · mercadopago.com.br

Official SDK languages

Mercado Pago publishes official SDK repositories for PHP, Node.js, .NET, Java, Python, Go, Ruby, JavaScript, React and Android.Read 14 Oct 2026 · github.com

Parent company scale

MercadoLibre reported 123,670 employees worldwide at 31 December 2025, including 61,139 in Brazil.Read 14 Oct 2026 · sec.gov

Payment methods

The Brazilian link checkout accepts credit cards, Caixa virtual debit, Mercado Pago balance or credit line, Pix and boleto.Read 14 Oct 2026 · mercadopago.com.br

Payout timing

The page lists same-day, 14-day and 30-day payout options, while some new sellers receive funds in 7 days until same-day payout becomes available.Read 4 Oct 2026 · mercadopago.com.br

PHP system requirement

The current official PHP SDK requires PHP 8.2 or newer and installs through Composer.Read 14 Oct 2026 · github.com

Praise: security

GetApp reviewers commonly describe transaction and data safeguards as a strength.Read 14 Oct 2026 · getapp.com

Praise: usability and payment choice

GetApp's review synthesis says users like the practical interface, broad payment options, payment links and online or in-person transaction handling.Read 14 Oct 2026 · getapp.com

Rating on Apple App Store

4.9 out of 5 from 2.5 million ratingsRead 14 Oct 2026 · apps.apple.com

Rating on G2

No rating; 0 reviews listedRead 14 Oct 2026 · g2.com

Rating on GetApp

4.7 out of 5 from 118 reviewsRead 14 Oct 2026 · getapp.com

Rating on Google Play

4.9 out of 5 from 14.3 million reviewsRead 14 Oct 2026 · play.google.com

Rating on Trustpilot Brazil

3.1 out of 5 from 41 reviewsRead 14 Oct 2026 · br.trustpilot.com

Rating on Trustpilot global

1.5 out of 5 from 382 reviewsRead 14 Oct 2026 · br.trustpilot.com

SDK licensing

The official PHP, Node.js, .NET, Java, Python, Go and Ruby SDK repositories are marked MIT, while the Android SDK is Apache-2.0.Read 14 Oct 2026 · github.com

Seller protection

The product page describes a Seller Protection Program covering eligible disputes or fraud involving physical-product sales.Read 14 Oct 2026 · mercadopago.com.br

Settlement options

Sellers can select immediate, 14-day or 30-day settlement, although newly registered sellers may initially be paid after seven days.Read 14 Oct 2026 · mercadopago.com.br

Setup

To create a link, enter the sale amount, customize payment methods, installments and expiry, then share it with the customer.Read 4 Oct 2026 · mercadopago.com.br

Sharing channels

The app listing says payment links can be shared through WhatsApp, social media, chats and websites.Read 4 Oct 2026 · apps.apple.com

Plans and prices

Every Mercado Pago Payment Link plan and price →

Where Specifiction places it

• Digital Banking Apps in Brazil#1 of 238.4
• Payment Link Software#8 of 328.7