# Mercado Pago Reviews 2026. Verified Reviews, Pros & Cons | Capterra

> Is Mercado Pago the right Payment Processing solution for you? Explore 116 verified user reviews from people in industries like yours to make a confident choice.

Source: https://www.capterra.com/p/250909/Mercado-Pago/reviews

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Mercado Pago

4.7 (116)

[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/)

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Last updated March 13th, 2026

# Reviews of Mercado Pago

Ease of use

4.7

Customer Service

4.2

## 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

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

KR

KLEBER R

AGRICULTORInformation Services, Self-employedUsed the software for: 6-12 months.

“THE DIGITAL ACCOUNT IS VERY EASY TO USE, THE ICONS ARE SIMPLE AND QUICK, THE PAYMENT LINK IS PRACTICAL AND THE PRICE IS AFFORDABLE“

April 22, 2025

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

Daniel G

CEOOil & Energy, 11 - 50 employeesUsed the software for: More than 2 years.

“Quick money transfers are the best.“

March 8, 2026

Silas M

CeoComputer Software, 2 - 10 employeesUsed the software for: More than 2 years.

“The security check process is very strict at times, preventing some customers from buying, but I understand that it's because of too much security.“

November 14, 2022

JB

Juan B

BDRComputer Software, 51 - 200 employeesUsed the software for: More than 2 years.

“It's fast, intuitive, user-oriented, and its interfase is visually appealing.“

June 16, 2025

AM

Alanis M

UX DesignerDesign, Self-employedUsed the software for: 6-12 months.

“When you need to link the paid market with some ecommerce platform, if you are new to systems it can be very difficult.“

July 11, 2022

## Showing most helpful reviews

Showing 1-25 of 116 Reviews

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Most Helpful

Rating

Company Size

Reviewer's Role

Length of Use

Frequency of Use

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

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

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

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

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

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

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

Silas M.  
Ceo  
Computer Software  
Used the software for: 2+ years

### "Of the popular the best"

November 14, 2022

4.0

Working capital, possibility of receiving at the same time, this is good for those who need the value

Pros

Payment processing is very efficient, and easy to integrate with proprietary solutions, without requiring much technical knowledge.

Cons

The security check process is very strict at times, preventing some customers from buying, but I understand that it's because of too much security.

Review Source

Edin T.  
Na  
Marketing and Advertising  
Used the software for: Less than 6 months

### "Great banking app"

May 29, 2022

5.0

In overall I had a great time and experience with the app and the money management that it offers.

Pros

If you don’t have a debit card this is the perfect option for you, for a small amount of money you can get a normal card an a digital one for barley free.

Cons

Some people have trouble with the security of the normal card, but it doesn’t happen that often.

Review Source

ASS

Alan Smyth S.  
Fotógrafo  
Photography  
Used the software for: 6-12 months

### "Receber com Cartão de Crédito sem Maquininha"

April 10, 2023

5.0

Envio link de pagamento pros meus clientes e recebo o valor na hora e ele tem a comodidade de dividir no cartão. Ajuda muito a fechar vendas pois o Mercado Pago já é conhecido, então meus clientes tem confiança de colocar os seus dados no link.

Pros

De poder dividir pros meus clientes no cartão sem precisar ter uma maquininha de cartão, o cliente preenche na hora os dados como se fosse uma loja online e nem precisa confirmar o cartão. O que gera uma confiança em mim e no método de pagamento.

Cons

Os juros pro meu cliente poderia ser menor!

Switched from

[PicPay](https://www.capterra.com/p/250601/PicPay/)

Inconveniente ter que ficar confirmando cartão.

Review Source

Emilia Cristina B.  
Design  
Design  
Used the software for: 1-2 years

### "Mercado Pago o amigo das horas difíceis. "

March 12, 2025

5.0

No geral o Mercado Pago,atende muito bem as minhas necessidades, aumentam meu limite para compras no ML ,dividem sua fatura,caso precise e te dão empréstimo emergencial...Minha experiência é muito positiva!!

Pros

AFacilidade de uso: O Mercado Pago é conhecido por sua interface intuitiva e fácil de usar, tanto no aplicativo móvel quanto na plataforma web. Variedade de serviços: A plataforma oferece uma ampla gama de serviços financeiros, incluindo pagamentos online e presenciais, transferências, recarga de celular, pagamento de contas e investimentos. Segurança: O Mercado Pago utiliza tecnologias de segurança avançadas para proteger as informações e transações dos usuários. Integração com o Mercado Livre: A integração com o Mercado Livre facilita o processo de compra e venda online, oferecendo opções de pagamento seguras e convenientes. Soluções para vendedores: O Mercado Pago oferece diversas soluções para vendedores, incluindo maquininhas de cartão, links de pagamento .Ahh ,sem esquecer do rendimento em conta! Muito Bom.

Cons

A limitação de investimentos e Recusas de pagamentos Quanto a limitação de investimentos, não tem a menor variedade de investimentos que uma corretora.,mas,entendo que ele não é mesmo corretora! Não tem controle sobre recusas bancárias como: Falta de limite, Saldo insuficiente, cartão com vct expirado,cartão bloqueado ou desabilitado para compras online.

Review Source

CA

Celine A.  
Rec  
Public Safety  
Used the software for: Less than 6 months

### "Piratage de mon compte avec votre site"

August 20, 2024

1.0

Je viens d avoir un prélèvement de 184 euros de votre part alors que je n ai pas fait d opérations Pouvez vous me dire comment cela est possible dans doute un piratage qui me laisse penser que votre site n est pas fiable

Pros

Ras je 'e connais pas suffisamment pour le moment c est que du 'negatif

Cons

Je ne connais pas je viens juste d être piraté

Review Source

AS

Alejo S.  
Universitario  
Accounting  
Used the software for: 1-2 years

### "Mercado Pago, La nueva forma de pagar"

October 9, 2022

5.0

Mercado Pago es una aplicación muy útil, perfecta para remplazar la billetera clásica y los cajeros automáticos, tenerla instalada en tu móvil me a ahorrado largos tiempos de espera a la hora de realizar pagos en comercios físicos, y su tarjeta prepaga es algo muy útil, sobre todo para darles a los más pequeños de la casa una forma de llevar sus ahorros de una manera mucho más segura que tenerlo todo en efectivo.

Pros

Existen muchas razones por la cual uso mercado pago para realizar transacciones de todo tipo, pero la principal es la facilidad en su uso, simplicidad, eficacia y seguridad, está app a remplazado a los cajeros y por varias buenas razones!. Además de que la aplicación cuenta con una tarjeta prepaga la cual es totalmente gratis y puede ser pedida mediante la aplicación, con tiempos de entrega muy cortos.

Cons

Pocos son los aspectos negativos de la app, ya que como mencioné anteriormente, es muy simple y fácil de usar, pero es cierto que frecuentemente la app recibe quejas de gente mayor quejándose ya que la aplicación no tiene algún tipo de ajuste de accesibilidad o algo por el estilo, cosa que puede resultar hasta peligroso, ya que es sabido que el principal objetivo de estafas telefónicas suelen ser adultos mayores, y está app suele ser el principal medio por el cual se llevan a cabo esas estafas. Fuera de eso, no pude encontrar otros puntos negativos.

Review Source

Luis R.  
Usuario  
Sports  
Used the software for: 2+ years

### "Mercado pago"

October 2, 2022

5.0

Buena experiencia la uso mucho la app la recomiendo

Pros

Me gusta la cantidad de cosas que trae la app Desde poder tener un point de tarjetas de crédito para poder cobrar en tu negocio a poder vender online y hasta realizar todo tipo de trasferencias trasparentes

Cons

Me gustaría que aya un fusiones para poder comprar criptomonedas o que haya una de Mercado pago. estaría bueno que haya una función para comprar y vender dólares y otras monedas.

Review Source

Fernando Daniel G.  
Personal  
Mechanical or Industrial Engineering  
Used the software for: 2+ years

### "Buena Herramienta para realizar pagos y cobros"

October 29, 2022

5.0

Muy bien, fácil. No se requiere grandes conocimientos para su utlización.

Pros

Fácil, muy simple su utilización. Cuenta con buen soporte técnico comercial para solucionar inconvenientes

Cons

Montos que son bajos para realizar transferencias o hay horarios que quedan programadas las transferencias

Switched from

[PayPal](https://www.capterra.com/p/207944/PayPal/)

Más fácil y menos restricciones de uso

Review Source

VR

Verified Reviewer  
RR.HH  
Consumer Goods  
Used the software for: 1-2 years

### "USUARIO DE MERCADO PAGO"

March 14, 2024

5.0

Pros

ES UNA PLATAFORMA COMPLETISIMA Y CON CONSTANTE ACTUALIZACION

Cons

CREO QUE NO TIENE MUCHAS PERO DEBERIA ASEGURAR AL USUARIO LA SEGURIDAD

Review Source

AG

Alan G.  
Manager  
Marketing and Advertising  
Used the software for: 2+ years

### "Buena pero PÉSIMO servicio al cliente "

April 24, 2022

3.0

Es bastante buena honestamente

Pros

Es verdad que la aplicación es bastante segura , útil , rápida y fácil. De acceder

Cons

El detalle radica en la solución de los personas que están en servicio al cliente . No explican nada , no solucionan solo sancionan

Review Source

rP

rafael P.  
Gerente Administrativo  
Facilities Services  
Used the software for: 2+ years

### "Praticidade para quem quer iniciar no mercado digital"

July 6, 2023

4.0

Muito boa, um pouco limitada pela operação mais atende perfeitamente ao que foi proposto

Pros

uma plataforma didatica e eficaz, proporciona uma facil instalação e utilização de seus recursos, facilita e muito no recebmento de pagamentos e conversões de vendas através de sites e plataformas de vendas.

Cons

Desenvolver melhor a questão de aceitação e aprovação de uso de alguns cartões, podendo apresentar por diversas vezes compras recusadas por falta deste recurso

Review Source

Priscila C.  
Encarregada  
Real Estate  
Used the software for: 2+ years

### "MELHOR conta digital"

September 16, 2022

5.0

Mercado Pago é Seguro, é intuitivo, fácil, há beneficios de pontos conforme for utilizando, ou seja, quanto mais usa, mais pontos, e mais desconto na plataforma do Mercado livre. Super recomendo.

Pros

Eu amo Mercado pago, utilizo todas as funções, adoro o Mercado Credito, adoro o Cartão de credito, pratico, rapido, eu pago a fatura e é liberado o limite imediatamente.

Cons

Não há nada que eu não goste neste banco digital, é pratico, fácil e seguro!

Review Source

AB

Ana B.  
independiente  
Computer Software  
Used the software for: 2+ years

### "Ventajas y desventajas de Mercado Pago"

December 21, 2022

5.0

En general no he tenido muchos incovenientes con Mercado Pago, me es muy util y facil de usar, me ayuda a ahorrar mucho tiempo al poder realizar pagos de servicios, transferencias y compras

Pros

La app es muy fácil de usar, te permite realizar todo tipo de compras (online y presenciales), invertir en tan solo unos clics, es ideal para realizar todo tipo de pagos, enviar dinero a amigos y transferir a bancos .

Cons

El centro de ayuda lejos de ayudarte, te hace perder horas en una llamada donde no te solucionan nada y luego te cortan, se torna muy dificil que te brinden una solucion a tu problema

Review Source

FF

Federico F.  
dueño  
Individual & Family Services  
Used the software for: 2+ years

### "Rapidez y practicidad"

September 18, 2023

5.0

Pros

Rapidez en el procesamiento de pago. Practicidad a la hora de recibir pagos de terceros y transferencias. Pagos de bienes y servicios.

Cons

Ninguna, cumple a la perfección el objetivo de su uso

Review Source

ML

Mauro L.  
Developer  
Information Technology and Services  
Used the software for: 2+ years

### "I use Mercado Pago in all my ecommerce websites"

March 4, 2024

5.0

Pros

It's ease to install (WordPress) and works perfectly. I often configure it using the PHP SDK and I had no big issues.

Cons

At the moment I haven't had big issues with the payment service.

Review Source

JM

Jordano M.  
Técnico Telecom  
Telecommunications  
Used the software for: I used a free trial

### "I like the paid market because it is very useful in secure sales"

February 7, 2023

5.0

It makes it much easier for me to control remote sales and the customer is guaranteed to receive the product, otherwise the sale is cancelled.

Pros

What I like most about the app is the sales confirmation function, with the customer confirming receipt of the product and so we all have a secure sale for both sides

Cons

It could improve the time to use the money from a sale that has already been confirmed by the customer

Review Source

KCC

Kelly Cristina C.  
Prifessor  
Education Management  
Used the software for: 2+ years

### "I like mlabs because it is a practical application, fast and very easy to use."

January 10, 2023

5.0

I always use because is very simple and fast. and I always recommend it to my friends.

Pros

I liked the practicality and the various tools that the paid market makes available

Cons

Could you leave clearer explanations on how to use the tools

Review Source

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