--- title: "Mercado Pago Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Mercado Pago the right Payment Processing solution for you? Explore 118 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/250909/Mercado-Pago/reviews/" page_type: "reviews" language: "en" --- Mercado Pago 4.7 (118) [View alternatives](https://www.capterra.com/p/250909/Mercado-Pago/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated July 22nd, 2026 # Reviews of Mercado Pago Ease of use 4.7 Customer Service 4.1 ## Pros and Cons in Reviews Daniel G CEOOil & Energy, 11 - 50 employeesUsed the software for: More than 2 years. “There´s no bugs and issues, working in every place with internet.“ March 8, 2026 Álvaro C Deploy ManagerInformation Technology and Services, 11 - 50 employeesUsed the software for: Less than 6 months. “It only allows you to link bank accounts within Argentina, and since I was on vacation there, I wanted to link my account from another country, which was not possible.“ July 1, 2026 BT Brianna T FounderWriting and Editing, 2 - 10 employeesUsed the software for: 1-2 years. “It was super easy to send and receive money in Mexico, with fast transfers and accepted at lots of places.“ July 2, 2026 BT Brianna T FounderWriting and Editing, 2 - 10 employeesUsed the software for: 1-2 years. “Customer support can be slow, and verifying my account took longer than I expected, causing delays for me.“ July 2, 2026 Daniel G CEOOil & Energy, 11 - 50 employeesUsed the software for: More than 2 years. “Quick money transfers are the best.“ March 8, 2026 SM Sabrina M Midia socialEntertainment, Self-employedUsed the software for: More than 2 years. “I only use it when necessary, I had a problem in my family directly with this app, so I don't really recommend it to other people“ February 8, 2024 Daniel G CEOOil & Energy, 11 - 50 employeesUsed the software for: More than 2 years. “The payments are safe and secure.“ March 8, 2026 BR Bruno R Atendente Accounting, 2 - 10 employeesUsed the software for: 1-2 years. “The application blocks the user's account without even reaching the first month of delay of any purchase made.“ November 12, 2022 ## Showing most helpful reviews Showing 1-25 of 118 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Álvaro C. Deploy Manager Information Technology and Services Used the software for: Less than 6 months ### "Useful app, but limited to Argentine bank accounts" July 1, 2026 5.0 I used the app for a month during my stay in Argentina. It was very useful for making payments through the app and also for transferring money to other users, making it easier and more instant, for example, when splitting a bill with others. The only downside is not being able to link a bank account from outside Argentina. Pros The convenience of paying directly from the app on your phone as if it were a debit card, as well as the possibility of instant transfers to other users of the app. Cons What I liked least was the limitation when it comes to linking your bank account to the app. It only allows you to link bank accounts within Argentina, and since I was on vacation there, I wanted to link my account from another country, which was not possible. As a result, I was unable to transfer money to my account from my bank. Review Source Daniel G. CEO Oil & Energy Used the software for: 2+ years ### "A great platform for your payments" March 8, 2026 4.0 I´m using Mercado Pago since the launch of the app. Is really popular in my country and i´ve got no complaints. Really simply to use. The functions are most useful everytime like loans. Pros Is easy to transfer money. Used by the majority of people in Argentina. Quick money transfers are the best. There´s no bugs and issues, working in every place with internet. The payments are safe and secure. Simply account management. Cons Sometimes customer support is slow in their response, making annoying the experience but not frequently Switched from [Clover](https://www.capterra.com/p/226864/Clover/) Because the cost of services and the features easy to use in mercado pago Review Source JB Juan B. BDR Computer Software Used the software for: 2+ years ### "Mercado Pago: The greatest always take the mostl" June 16, 2025 3.0 I definitely use and recommend it because of its top-notch quality and speed. However, I highly encourage users to read between lines when considering using it for loans, and other features and services that are not necessarily related to those of a digital wallet per Pros It works as one would expect. It's fast, intuitive, user-oriented, and its interfase is visually appealing. You can rely on it 24/7, as opposed to its competitors in that market. Cons It's expensive. If you lose MP's debit card and request a new one, they charge a ridiculous amount of money, when most of its competitors don't charge a thing. It's like they know its platform is the most adopted, and they take advantage of that. They charge way more than banks when you request loans. Review Source BT Brianna T. Founder Writing and Editing Used the software for: 1-2 years ### "Great app for everyday life in Mexico " July 2, 2026 4.0 Pros It was super easy to send and receive money in Mexico, with fast transfers and accepted at lots of places. Cons Customer support can be slow, and verifying my account took longer than I expected, causing delays for me. Review Source VR Verified Reviewer Marketing Consultant Marketing and Advertising Used the software for: 2+ years ### "The best payment platform for LatAm!" June 28, 2022 5.0 Good experience integrating this gateway with several Ecommerce. Pros Mercado Pago is easy to use, both in its desktop and mobile versions. Includes one-time payment and subscription. Payment buttons and many integrations for eCommerce websites. Cons The commission is a bit high and the period they hold the money before I can collect it is very long. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/)[Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Mercado Pago MercadoPago integrates with Latin American banks unlike PayPal or Stripe. Review Source JD Jaqueline D. COO Hospitality Used the software for: 2+ years ### "Really good option to get payments from Brazil" September 17, 2023 5.0 One of the best options on payment processing on Brazil Pros It works really well in Brazil, most of the people know about it and trust it so the conversion rate is really good. Cons Credit cards are often declined and it's not so clear why. Fees could be lower Switched from [PagBank](https://www.capterra.com/p/250860/PagSeguro/) MercadoPago was easier to use and the mobile app is better. Review Source Leandro A. Web Developer Entertainment Used the software for: 2+ years ### "Mercado Pago Review" October 31, 2025 5.0 Great experience overall , I highly recommend it .I use other digital wallets like this one .But my main choice is Mercado Pago Pros Great Ui , many discounts and benefits , the app never fails , easy to use , they pay to keep your money in the app Cons They sometimes change too frequently the look of the app , this might be cumbersome because one is already use to a given look and feel to the app Review Source Larissa S. Designer Graphic Design Used the software for: 2+ years ### "Excellent quality and many benefits" July 18, 2025 5.0 It's very good because it gives me a lot of benefits, one of which is the advance payment of receivables, the rates that aren't so high compared to other companies and the opportunity to borrow money for my business. Pros Of the various tools available to the user, in addition to the digital account, credit card, it is also possible to make sales through the machines or even payment links. Cons It could improve the difficulty of facial recognition. Also improve the interest on debts. Other than that, everything's fine with the app. Review Source felipe V. Gerente Retail Used the software for: 2+ years ### "Very practical and efficient. Fulfills its purpose. I recommend it." February 5, 2025 5.0 My experience with Mercado Pago has been very good, it's the most practical transfer system and the one I use the most in general. Pros It's very easy to use. From the first time I used it, I found it easy to use and its interface is also very helpful. Cons The download option could be a little simpler to use, but overall, for me, that's the only thing that could be improved. Review Source Austin M. Software Analyst Pharmaceuticals Used the software for: 2+ years ### "Mercado Pago, your e-wallet" August 14, 2024 5.0 My overall experience using the Mercado Pago platform has been great in so many ways, they've provided a reliable fast and secure tool to be satisfied with. Pros Mercado Pago as a platform has made the e-payment system as simple as it should be, and it's awesome that it has developed this way. Cons I think sometimes you get some update when you need to pay, but they addressed this issue and you can skip the update, pay and then go back to update the application. Review Source LZ Lucila Z. Freelancer Design Used the software for: 1-2 years ### "Muchas opciones de pagos" November 14, 2024 5.0 Pros Es un excelente procesador de pagos, fácil de implementar con woocommerce para el comercio electrónico, además que permite que mis clientes realicen pagos con varias opciones. Además, los tiempos en que se transfieren los fondos es rápido a comparación de otros procesadores de pago Cons A veces el sistema bloquea los pagos con tarjeta de credito cuando el cliente realiza un segundo o tercer pago, este inconveniente es aislado, es decir no sucede siempre, por lo demás me encanta Mercado Pago. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reason for choosing Mercado Pago Lo elegí para complementar mi comercio electrónico. Ya que gran parte de mis clientes que prefieren no usar PayPal. Review Source MP Manoela P. Sócia Staffing and Recruiting Used the software for: 2+ years ### "Bom" May 5, 2023 4.0 Utilizo pela praticidade, mas tem itens que deixam um pouco a desejar. Pros É simples começar a utilizar o software e também é bem conhecido, o que gera credibilidade. Cons O alto índice de cancelamento de pagamentos com cartão, também os relatórios gerenciais e extratos. Switched from [PagBank](https://www.capterra.com/p/250860/PagSeguro/) Pois achei as taxas do Pagseguro mais altas e o Mercado Pago é um pouco mais prático. Review Source SF Samia F. Consultora Higher Education Used the software for: 1-2 years ### "Mercado pago" May 24, 2023 5.0 A aplicação atende bem, aceita as principais bandeiras do mercado e não nos deixa na mão quando o quesito é soluções de pagamento, você pode cobrar e receber por diversos canais, como presencial, através de links personalizáveis e em seu site.A criação de uma loja virtual é um dos diferenciais do programa, porque habilita muitas pessoas a terem a sua loja, mas falta integrar um estoque para todos os locais de venda, como presencial, via link e site. Pros As soluções para recebimento são várias, isso nos deixa seguros para ampliar nossa atividade e atender nosso cliente de diferentes maneiras, e assim, centralizar as informações do negócio em uma única plataforma nos ajuda a gerenciar melhor as entradas. Cons A taxa do mercado pago para recebimento na hora é bem alta.O app ou maquineta poderia nos deixar criar um estoque com preços e escolher os itens para passar e logo dar baixa no estoque daquela peça que foi vendida. Review Source VR Verified Reviewer directeur general Online Media Used the software for: 1-2 years ### "Mercado Pago, plateforme de paiement en ligne, filiale du groupe MercadoLibre" August 31, 2023 5.0 Pros Mercado Pago offre de nombreux avantages, notamment une large acceptation dans toute l'Amérique latine, ce qui en fait une solution idéale pour les entreprises qui ciblent cette région. Il propose également une gamme complète de services financiers, y compris le traitement des paiements, les transferts d'argent et le financement pour les acheteurs, ce qui améliore l'expérience client et favorise la croissance des entreprises. De plus, Mercado Pago se distingue par sa simplicité d'intégration et sa convivialité, ce qui en fait un choix attrayant pour les entreprises de toutes tailles cherchant à gérer efficacement leurs transactions en ligne. Cons il possède des frais de traitement qui peuvent être relativement élevés, en particulier pour les petites entreprises, ce qui peut avoir un impact sur leur rentabilité. De plus, bien que Mercado Pago soit largement accepté en Amérique latine, son utilisation peut être moins répandue dans d'autres régions, ce qui peut limiter son attrait pour les entreprises ayant une portée internationale. Review Source FT Flor T. Analista Administrativo Telecommunications Used the software for: 2+ years ### "Aplicación muy completa" May 9, 2023 5.0 Tiene que la ventaja de que con una sola aplicación puedes hacer muchos movimientos, pago de servicios, compras con promociones a meses sin intereses, recarga de saldo, acceso a un crédito, la verdad que muy recomendable. Pros Tiene muchas opciones, es la aplicación más completa que conozco, con ella cobro ya que cuento con point, pago servicios ya sea a crédito y/o con saldo en la cuenta y/o alguna tarjeta, la verdad que es bastante práctica, recargo saldo, entre muchas otras cosas más. Cons Creon que cobrar para ser nivel 6, tengo mucho tiempo usandola y no bajaba del nivel, solo que piden cierta cantidad de puntos para mantenerlos y en ocasiones no los completaba, ahora estoy pagando la suscripción. Review Source VR Verified Reviewer Soporte Industrial Automation Used the software for: 1-2 years ### "Mi pasarela de pago preferida en internet." December 17, 2022 5.0 Mi experiencia con Mercado Pago es muy buena, ya que gestiono mis pagos en internet con la tarjeta. Pros Lo que más gusta de MercadoPago es que puedo cobrar en línea y mi dinero lo recibo en la misma tarjeta de MercadoPago. No tengo que transferir los fondos. También me gusta que puedo seleccionar los días de pago. Cons Lo no me gusta es que la integración con WordPress no es al 100% y no tengo marca blanca. Alternatives considered [2Checkout](https://www.capterra.com/p/79616/2Checkout/) Review Source TH Thiago H. Administrador Retail Used the software for: 2+ years ### "Boa opção para receber pagamentos online" May 1, 2023 5.0 Funciona bem e tem garantia de chargeback, porém as taxas são altas Pros Possui uma boa taxa de aprovação de pagamentos e também uma ótima estabilidade, além de passar segurança para o cliente pela tradição que possuem no mercado. Possuem boas opções de segurança tanto para o vendedor quanto para o cliente Cons Taxas muito altas, especialmente para pagamentos a prazo. Única opção de receber o valor da venda de maneira antecipada. Não é possível receber em parcelas com uma taxa menor Review Source VR Verified Reviewer Eccomerce Construction Used the software for: 2+ years ### "Mercado Pago" November 29, 2022 4.0 Pros Facil de usar, disponible en la mayoria de los locales comerciales. Funcion QR muy util. Cons Mala experiencia con atencion al cliente, no hay ninguna opcion de cancelar pago por ende si el vendedor no cancela la compra perdes tu dinero. Review Source DfL Dayane ferreira L. Vendedor Marketing and Advertising Used the software for: 2+ years ### "Um dos melhores bancos que eu já trabalhei" March 20, 2023 5.0 Pros A principal função que eu mais amo nele é que qualquer valor que eu deixe lá ele tem uma porcentagem de rendimento, Fácil utilização Cons O ruim é que toda vez que eu preciso fazer uma transferência ou trocar de telefone para usar a minha conta preciso fazer o reconhecimento teve uma vez que eu estava de cílios postiço e não reconheceu meu rosto de jeito nenhum Review Source Juanita C. Comunicador Social - Periodista Writing and Editing Used the software for: 1-2 years ### "Tus pagos a un click " January 31, 2023 5.0 Me permite hacer mis pagos fácilmente, y que me paguen mis clientes de manerav fácil, segura y ágil Pros Me encanta la seguriodad que me ofrece de mis datos personales y bancarios, y la facilidad a la hora de hacer mis pagos. Además de que guarda mi infiormación y es muy fácil de usar. Cons Hasta ahora no tengom quejas de este producto Review Source Eduardo Q. Ingeniero de Sistemas Design Used the software for: 1-2 years ### "Mercado Pago un buen sistema de pagos" November 22, 2022 5.0 Uso Mercado Pago para recibir y realizar pagos dentro de latinoamérica y hasta el momento todo a ido muy bien. Lo recomiendo mucho para aquellos emprendedores que buscan una solución de pagos cuando sus países no aceptan PayPal. Pros Mercado Pago es un sistema para recibir pagos muy fácil de usar, muy seguro y de fácil implementación. Cons Su atención al cliente suele demorar mucho, sin embargo, son pocas las ocasiones en las que he requerido comunicarme con ellos. Review Source AH Alina H. administrative assistant Food & Beverages Used the software for: 2+ years ### "Great for online shopping" May 12, 2022 5.0 In general it’s been great I think it’s a great tool and a secure want to have online shopping and also you can link it with shopify so it makes makes it really easier to manage it Pros I love that you can link your Shopify account and your payment goes through your account automatic Cons The only bad thing I see in this application is that your payment is reflected 30 days from you from the sales Review Source OP Omar P. Graphic Designer Animation Used the software for: 2+ years ### "You can do a lot of things on this bank app" August 7, 2022 4.0 the fact that you can pay for multiple services already makes it an application that you can use on a daily basis, regardless of all the banking services it represents Pros You can buy tickets for theater, pay at restaurants, pay services as electricity bill, or the internet bill, and, if you have a small business, you can use it to charge your customers, and you can even buy or rent a payment terminal. Cons Sometimes the payments or the money you put into your account takes too long to arrive, and this is something that does not happen with other bigger banks Review Source RM Renata M. VENDEDORA Apparel & Fashion Used the software for: Less than 6 months ### " I really like Mercado Pago because it is very easy to use" January 4, 2023 5.0 I use the app daily and it makes my life and my company's life a lot easier, I love working with them and I don't intend to change Pros I've always had great customer service with Mercado Pago, in person and online. Cons I never had a problem with Mercado Pago, I use all the channels they offer and everything works perfectly. Review Source JD Josiane D. Vendedora Apparel & Fashion Used the software for: 1-2 years ### "I like the paid market because it is an easy to use application" January 11, 2023 5.0 Pros I like the Paid Market application because it is easy to use, and because it is completely safe for its users, with a lot of practicality in the functionalities, use and indication Cons A negative point of the Mercado Pago account is its usage limit, which is not very high. Spending limit per day (withdrawals, payment of bills and general expenses on the card) Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.