Mercado Pago vs Monzo
Mercado Pago
mercadopago.com.arMonzo
monzo.comSide by side
| Figure | Mercado Pago | Monzo |
|---|---|---|
| Price from | Free | £3/mo |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 8 | 8 |
| Spec score · Digital Wallet Apps | 9.0 (#2) | 8.9 (#4) |
| API | La API pública usa la base URL api.mercadopago.com y exige HTTPS y credenciales de aplicación en cada solicitud. | The Monzo Developer API is a REST and webhook interface hosted at api.monzo.com. |
| Customer support | Mercado Pago provides a Help Center with searchable help topics and a shortcut to report a security problem. | Monzo says customers can use 24/7 in-app chat, UK and overseas telephone numbers, and email support. |
| Legal entity | The Argentine privacy annex identifies Mercado Libre S.R.L. as the responsible entity for Mercado Pago services. | The developer portal identifies the provider as Monzo Bank Limited, company number 09446231, at Broadwalk House, 5 Appold Street, London. |
| Rating on Google Play | 4.8 out of 5 from 14.3M reviews. | 4.2 out of 5 from about 183,000 reviews in the ratings section, with 10 million-plus downloads shown. |
| Rating on Trustpilot | 1.5 out of 5 from 382 reviews. | 4.6 out of 5 from 73,542 reviews. |
| 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. | Monzo provides UK personal and business current accounts managed primarily through a mobile banking app. |
Plans
Mercado Pago
- Cuenta digitalFree
- Cuenta gratisFree
- Link de pago — money available in 35 days$1.49, paid once
- Link de pago — money available in 18 days$3.39, paid once
- Link de pago — money available in 10 days$4.39, paid once
- Link de pago — money available instantly$6.29, paid once
- Cobro con QRPriced on request
- Link de pagoPriced on request
Monzo
- Business LiteFree
- FreeFree
- MonzoFree
- Extra£3 a month
- Business Pro£9 a month
- Perks£9 a month
- Max£19 a month
- Business Team£25 a month
In their own words
Mercado Pago
Mercado Pago has no write-up on Specifiction yet; its figures are above.
Monzo
Monzo is a UK bank offering current accounts and app tools for spending, saving, borrowing, investing, and managing money. Salary Sorter divides income into Pots for bills, spending, and other budgeting needs. Customers can use Savings Pots, ISAs, and savings accounts, with rates varying by account and subscription plan; investment options start from £1 and can rise or fall in value. For travel, cardholders can spend abroad without foreign transaction fees and see live exchange rates in the app. Monzo connects other bank accounts and credit cards through FCA-regulated Open Banking, and customers must renew those connections every 90 days. Security features include Call Status, transaction notifications, card freezing, biometric login, and extra checks for large payments. Monzo says eligible deposits are protected by FSCS up to £120,000 per person. The app is available on Android, iOS, and web, with 24/7 in-app chat support. Accounts are for UK residents. The free current account is listed for ages 16+; paid plans have varying prices and eligibility conditions.