Mercado Pago

Spec sheet

What it does

Mercado Pago offers tools for receiving online and in-person payments, including payment links, QR codes, card readers, and e-commerce checkout integrations.Read 11 Oct 2026 · mercadopago.com.ar

Free plan

YesRead 20 Sep 2026 · mercadopago.com.ar

API

La API pública usa la base URL api.mercadopago.com y exige HTTPS y credenciales de aplicación en cada solicitud.Read 15 Oct 2026 · mercadopago.com.ar

Founded

Mercado Pago was launched in 2003 as part of Mercado Libre's expansion.Read 15 Oct 2026 · cdn.sustentabilidadmercadolibre.com

Account security

Mercado Pago recommends biometric phone authentication, facial recognition and QR verification, and security alerts delivered by email, WhatsApp, SMS, or notification.Read 11 Oct 2026 · mercadopago.com.ar

Checkout

Las integraciones incluyen Checkout Pro, Checkout API, Checkout Bricks y suscripciones recurrentes.Read 15 Oct 2026 · mercadopago.com.ar

Company size

LinkedIn lists Mercado Pago as having more than 10,001 employees and headquarters in Buenos Aires.Read 15 Oct 2026 · linkedin.com

Crédito

Mercado Pago ofrece compras de hasta 12 cuotas y préstamos personales sujetos a evaluación crediticia.Read 15 Oct 2026 · mercadopago.com.ar

Customer support

Mercado Pago provides a Help Center with searchable help topics and a shortcut to report a security problem.Read 11 Oct 2026 · mercadopago.com.ar

Developer tools

Its developer documentation describes SDKs and APIs for creating and checking transactions, integrating payment methods, and issuing refunds or chargebacks.Read 11 Oct 2026 · mercadopago.com.ar

Documentación

La documentación cubre guías de inicio, referencia API, credenciales, notificaciones, seguridad, ejemplos y soluciones de checkout.Read 15 Oct 2026 · mercadopago.com.ar

E-commerce integrations

Mercado Pago lists plugins for Shopify, WooCommerce, Tiendanube, VTEX, Wix, and Adobe Commerce (Magento), among other platforms.Read 11 Oct 2026 · mercadopago.com.ar

Fraud protection

The Link de pago page states that each sale has antifraud protection.Read 11 Oct 2026 · mercadopago.com.ar

Funciones de cuenta

La cuenta permite pagar servicios, recargar celulares y transporte, transferir dinero y recibir pagos desde una aplicación móvil.Read 15 Oct 2026 · play.google.com

Integraciones

El portal de desarrolladores proporciona soluciones para ventas web, redes sociales, tiendas físicas, QR y dispositivos Point.Read 15 Oct 2026 · mercadopago.com.ar

Integration security

The Tiendanube integration page describes PCI-DSS data protection, integrated antifraud monitoring, and filters for suspicious orders.Read 11 Oct 2026 · mercadopago.com.ar

Legal entity

The Argentine privacy annex identifies Mercado Libre S.R.L. as the responsible entity for Mercado Pago services.Read 15 Oct 2026 · mercadopago.com.ar

Licencias de SDK

Los SDK JavaScript, Android y React están bajo Apache 2.0, mientras que los SDK PHP y .NET usan MIT.Read 15 Oct 2026 · github.com

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.Read 15 Oct 2026 · mercadopago.com.ar

Limit: expensive credit

Software Advice reviewers repeatedly warn that Mercado Pago credit and loan interest can be very high.Read 15 Oct 2026 · softwareadvice.com

Limit: geographic availability

Reviewers note that features and payment methods differ by country and that the service is concentrated in Latin America.Read 15 Oct 2026 · softwareadvice.com

Limit: support and disputes

Trustpilot complaints repeatedly mention blocked funds, unresolved refunds, duplicated or unauthorized charges and ineffective customer support.Read 15 Oct 2026 · trustpilot.com

Link de pago

Los vendedores pueden crear enlaces y compartirlos por WhatsApp, Instagram, Facebook o correo sin tener una tienda online.Read 15 Oct 2026 · mercadopago.com.ar

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.Read 11 Oct 2026 · mercadopago.com.ar

Mobile platforms

bothRead 20 Sep 2026 · mercadopago.com.ar

News: Q2 2026

Mercado Libre reported that Mercado Pago revenue reached $4.4 billion in Q2 2026, up 49% year over year in U.S. dollars.Read 15 Oct 2026 · investor.mercadolibre.com

Notable limitation

The Mercado Pago Tiendanube plugin does not provide a test environment, so its page says validation must be performed in production with real payments.Read 11 Oct 2026 · mercadopago.com.ar

Payment links

Sellers can create a payment link with a price and product or service name and share it through WhatsApp, social networks, email, or other channels without having a website.Read 11 Oct 2026 · mercadopago.com.ar

Payment methods

The payment link page says buyers can pay by credit card in installments, debit, cash, Mercado Pago balance, or Mercado Crédito where available.Read 11 Oct 2026 · mercadopago.com.ar

Point Smart

Point Smart accepts debit and credit cards, QR codes, and payment links, and includes a free data plan plus Wi-Fi connectivity.Read 11 Oct 2026 · mercadopago.com.ar

Point y Tap to Pay

Mercado Pago ofrece lectores Point y cobro sin contacto mediante Tap to Pay en iPhone y Android.Read 15 Oct 2026 · mercadopago.com.ar

Praise: breadth

Independent reviewers praise having payments, transfers, QR, service bills, investments and credit in one application.Read 15 Oct 2026 · softwareadvice.com

Praise: usability

GetApp reviewers give ease of use 4.7/5 and frequently describe the interface, payment links and transfers as simple and fast.Read 15 Oct 2026 · getapp.com

Privacidad

La plataforma usa reconocimiento facial para verificar identidad y prevenir accesos no autorizados y fraude.Read 15 Oct 2026 · mercadopago.com.ar

QR

Los comercios pueden cobrar mediante códigos QR interoperables y aceptar pagos desde otras billeteras o bancos.Read 15 Oct 2026 · mercadopago.com.ar

Qué hace

Mercado Pago es una billetera y plataforma de servicios financieros para pagos, transferencias, cobros comerciales, crédito, inversiones y seguros.Read 15 Oct 2026 · linkedin.com

Rating on App Store

4.8 out of 5 from 77K ratings.Read 15 Oct 2026 · apps.apple.com

Rating on Capterra

4.7 out of 5 from 118 reviews.Read 15 Oct 2026 · capterra.com

Rating on G2

0 out of 5 from 0 reviews.Read 15 Oct 2026 · g2.com

Rating on GetApp

4.7 out of 5 from 118 reviews.Read 15 Oct 2026 · getapp.com

Rating on Google Play

4.8 out of 5 from 14.3M reviews.Read 15 Oct 2026 · play.google.com

Rating on Trustpilot

1.5 out of 5 from 382 reviews.Read 15 Oct 2026 · trustpilot.com

Regulatory statement

The payment-link page says Mercado Pago provides payment services and is not authorized by Argentina's Central Bank to operate as a financial entity; payment-account funds are not deposits or covered by deposit guarantees.Read 11 Oct 2026 · mercadopago.com.ar

Rendimientos

La página argentina anuncia rendimientos diarios de 19% anual en pesos y 1,8% anual en dólares.Read 15 Oct 2026 · mercadopago.com.ar

SDK adicionales

Mercado Pago publica SDK oficiales para .NET, Android y React.Read 15 Oct 2026 · github.com

SDK JavaScript

El SDK oficial JavaScript se instala mediante script o npm y soporta Chrome 80+, Firefox 74+, Safari 14+, Edge 80+ y navegadores móviles equivalentes.Read 15 Oct 2026 · github.com

SDK PHP

El SDK oficial PHP requiere PHP 8.2 o posterior y se instala con Composer.Read 15 Oct 2026 · github.com

Seguridad

Mercado Pago declara uso de OAuth, prácticas OWASP y cumplimiento PCI DSS para procesar tarjetas.Read 15 Oct 2026 · mercadopago.com.ar

Transfer speed

instantRead 20 Sep 2026 · mercadopago.com.ar

Plans and prices

Every Mercado Pago plan and price →

Where Specifiction places it

• Digital Wallet Apps#2 of 449.0
• Money Transfer Apps#8 of 818.9