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Stripe vs Mercado Pago
Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and Mercado Pago in 7. Both serve businesses in 2.
Only Stripe · 42
🇺🇸 United States🇨🇦 Canada🇬🇧 United Kingdom🇮🇪 Ireland🇩🇪 Germany🇫🇷 France🇳🇱 Netherlands🇧🇪 Belgium🇱🇺 Luxembourg🇦🇹 Austria🇪🇸 Spain🇵🇹 Portugal🇮🇹 Italy🇬🇷 Greece🇨🇾 Cyprus🇲🇹 Malta🇸🇪 Sweden🇩🇰 Denmark🇳🇴 Norway🇫🇮 Finland🇵🇱 Poland🇨🇿 Czechia🇸🇰 Slovakia🇭🇺 Hungary🇷🇴 Romania🇧🇬 Bulgaria🇭🇷 Croatia🇸🇮 Slovenia🇪🇪 Estonia🇱🇻 Latviaand 12 more →
Only Mercado Pago · 5
Side by side
Pick where your business is registered. Add up to two more providers.
Pick up to 4.
For a business registered in
Onboards businesses in United States
Stripe
AvailableMercado Pago
Not availableAccept payments
Stripe
Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country.Mercado Pago
Online payments through Checkout Pro (hosted by Mercado Pago), Checkout API / Checkout Transparente (on your site), Checkout Bricks (embeddable components), payment links and subscriptions. Methods include cards, local bank transfers, cash vouchers, Mercado Pago account balance and card-free installments, varying by country.Not for businesses in United States.Pay people abroad
Stripe
Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries.Mercado Pago
Not offeredMulti-currency account
Stripe
Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses.Mercado Pago
A free Mercado Pago business account holds sales proceeds in local currency. Confirmed on the Brazil and Mexico seller pages only.Not for businesses in United States.Business cards
Stripe
Issue physical and virtual cards for your business or your users.Mercado Pago
In Mexico, sellers get a free card to spend the money from their sales.Not for businesses in United States.Stablecoins
Stripe
US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries.Mercado Pago
Not offeredYield on idle cash
Stripe
Stripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances.Mercado Pago
Not offeredYield on idle cash
A return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is.
Where the return comes from
Stripe
Low risk, not insuredCredits against feesMercado Pago
No yield offeredIs the money protected?
Stripe
Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash.Mercado Pago
–Does the rate change?
Stripe
Set by the provider, and only worth as much as the fees you pay.Last seen: 1% a year, as fee creditsMercado Pago
–Fees
Published prices only, with the date we read them. Many providers negotiate prices instead.
How pricing works
Stripe
Stripe publishes per-country rates. US: 2.9% + 30¢ per domestic card payment, +1.5% for international cards, +1% for currency conversion. UK and Ireland: 1.5% + 20p / €0.25 for standard domestic-area cards, 2.8% for premium cards, 2.5% for EEA/UK cards, 3.15% for international cards and +2% conversion. No setup or monthly fees.Mercado Pago
Not yet researchedPublished prices
Stripe
Domestic card payment (US): 2.9% + 30¢ per successful transaction for domestic cardsInternational card surcharge (US): +1.5%Currency conversion (US): +1% if currency conversion is requiredManually entered cards (US): +0.5%Setup / monthly fees (US, UK, Ireland): None on standard pricingStandard payout to bank (all): No fee to initiate normal payouts (a settlement fee can apply when settling in a non-primary currency)Mercado Pago
–What you can sell
From each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category.
Software and digital goods
Stripe
Not statedMercado Pago
Not yet researchedCrypto
Stripe
RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited.Mercado Pago
Not yet researchedLending and financial services
Stripe
RestrictedInvestment, lending, BNPL, money transmitters, remittance and currency exchange are restricted (contact sales). Peer-to-peer money transmission, check cashing, money orders and debt relief are prohibited.Mercado Pago
Not yet researchedGambling
Stripe
Not allowedGames of chance, games of skill with prizes, sports forecasting, lotteries and bidding-fee auctions are listed as prohibited. Stripe's FAQ says some listed businesses can be supported with explicit prior approval.Mercado Pago
Not yet researchedAdult content
Stripe
Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited.Mercado Pago
Not yet researchedDating
Stripe
RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand.Mercado Pago
Not yet researchedFirearms and weapons
Stripe
RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited.Mercado Pago
Not yet researchedCannabis and CBD
Stripe
Not allowedCannabis products and dispensaries are prohibited. CBD with only negligible THC within local limits is restricted; CBD over the local THC limit is prohibited. The FAQ says CBD is supported only for limited sale to licensed users in specific countries, which matches the list.Mercado Pago
Not yet researchedSupplements
Stripe
RestrictedStripe's list never says supplements are permitted. It prohibits nutraceuticals and pseudo-pharmaceuticals 'that are not safe or make harmful claims', which is a judgement Stripe makes. Its country-specific lists also prohibit vitamins in Thailand and HCG weight-loss products and ephedrine in Mexico. Part of the category is barred, so the status is restricted. Nutraceuticals are not on the general Restricted (approval) list.Mercado Pago
Not yet researchedPharmacy and telemedicine
Stripe
RestrictedOnline pharmacies, card-not-present prescription products, regulated medical devices and telemedicine are restricted. FAQ: pharmacies are approved only for merchants in the US, Canada, the EU, Australia, the UK and Japan.Mercado Pago
Not yet researchedTravel
Stripe
RestrictedConflict between Stripe pages. The legal list puts travel reservation services and clubs under Restricted (approval possible), and commercial airlines, cruises, cross-border charter and timeshares under Prohibited. Stripe's FAQ says it does not support travel reservation services and clubs at all.Mercado Pago
Not yet researchedMulti-level marketing
Stripe
Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited.Mercado Pago
Not yet researchedFree-trial subscriptions
Stripe
Not allowedNegative option marketing and membership clubs, and reduced-price trials with unclear or hidden pricing, are prohibited. Clearly disclosed subscriptions are not covered by this line.Mercado Pago
Not yet researchedPlatform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Sub-accounts for your users
Stripe
YesConnect creates and verifies accounts through hosted onboarding, embedded components or the API. Accounts v2 lets one account be a merchant, customer and payout recipient at once.Mercado Pago
PartlyPlatforms connect sellers' own Mercado Pago accounts through OAuth and act on their behalf. Creating accounts for sellers through an API was not found.Split payments and platform fees
Stripe
YesDestination charges, separate charges and transfers, and application fees.Mercado Pago
YesMarketplace integrations split each payment between seller and marketplace; the platform sets its commission with marketplace_fee. Confirmed on the Brazil docs.Embeddable UI
Stripe
YesConnect embedded components for onboarding, payments, payouts and account management.Mercado Pago
YesCheckout Bricks are pre-built, customisable payment components (Payment, Card Payment, Wallet, Status Screen) that run on the seller's site.Pay out to your users
Stripe
YesPayouts to connected accounts, including instant payouts in some markets. Global Payouts sends fiat to 100+ markets and stablecoins to 160.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoinsMercado Pago
Not confirmedNot found in public materials.Embedded finance for your users
Give your users financial products under your brand.
Accounts that hold money
Stripe
PartlyFinancial accounts for platforms (formerly Treasury) give US business users routing numbers and FDIC pass-through eligibility. US only.Announced, not yet live: Financial accounts for platforms’ users in the eurozoneMercado Pago
Not confirmedNot found in public materials. Mercado Pago runs its own consumer and seller accounts, but an API for platforms to open accounts for their users was not found.Cards for your users
Stripe
YesIssuing for connected accounts: virtual and physical cards via the API. Cardholders can be individuals or companies.Announced, not yet live: Stablecoin-backed cards in 100 countriesMercado Pago
Not confirmedNot found in public materials.Financing for your users
Stripe
YesCapital for platforms offers financing to connected accounts in selected markets.Mercado Pago
Not confirmedNot found in public materials. Mercado Pago offers credit to its own sellers, but no lending product for platforms was found.Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
End users can be individuals
Stripe
PartlyStripe’s own account products are built for businesses. Consumer apps (wallets, stablecoin cards) go through its subsidiary Bridge.Mercado Pago
Not confirmedNot found in public materials.Consumer wallets or accounts
Stripe
PartlyThrough Bridge custodial wallets, not Stripe accounts.Mercado Pago
Not confirmedNot found in public materials.Consumer cards
Stripe
PartlyStablecoin-linked consumer cards through Bridge and Stripe Issuing, rolling out by country (65+ countries, targeting 100 by end of 2026).Announced, not yet live: Stablecoin-backed cards in 100 countriesMercado Pago
Not confirmedNot found in public materials.Stablecoins
Dollar-backed tokens as a payment and treasury rail.
Accept stablecoins
Stripe
YesStablecoin payments at checkout, settled to the business in fiat.Mercado Pago
Not confirmedNot found in public materials.Hold stablecoin balances
Stripe
YesStablecoin financial accounts in 101 countries: USDC balances with USD (ACH, wire) and EUR (SEPA) rails.Announced, not yet live: Stablecoin financial accounts in 50 more countriesAnnounced, not yet live: Move stablecoin balances to and from local bank accountsMercado Pago
Not confirmedNot found in public materials.Pay out in stablecoins
Stripe
YesInstant stablecoin payouts to recipients in 160 markets through Global Payouts.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoinsMercado Pago
Not confirmedNot found in public materials.Issue your own stablecoin
Stripe
YesThrough Bridge Open Issuance.Mercado Pago
Not confirmedNot found in public materials.Regulatory risk in United States
Stripe
Low riskMercado Pago
No stablecoin productsAI agents
Build with AI tools, and let AI agents shop and pay.
Official MCP server
Stripe
YesHosted MCP server at mcp.stripe.com with OAuth, plus an agent toolkit for the major agent frameworks.Mercado Pago
YesOfficial remote MCP server. Tools cover searching the docs, managing applications (OAuth only), configuring webhooks, creating test users and measuring integration quality. It is integration tooling, not payment execution.Checkout for AI agents
Stripe
YesCo-developed the Agentic Commerce Protocol with OpenAI, which powers Instant Checkout in ChatGPT. Shared payment tokens let an agent pay a seller without seeing card numbers.Mercado Pago
PartlyCommerce Agents Checkout (open-source Python library, beta 0.1.0; post dated 24 Sep 2026) hands an AI agent's flow off to Checkout Pro without giving the model control of prices, credentials or payment creation. The buyer still pays in Checkout Pro; it is not an ACP/AP2 implementation.Cards for AI agents
Stripe
YesIssuing can create single-use virtual cards for agents buying online.Mercado Pago
Not confirmedNot found in public materials.Working with them
How easy it is to get started.
Self-serve signup
Stripe
YesSign up online and go live without sales in supported countries.Mercado Pago
Not confirmedNot researched yet.Published pricing
Stripe
YesStandard rates are on the pricing page; volume discounts are negotiated.Mercado Pago
Not confirmedNot researched yet.Public API and sandbox
Stripe
YesPublic API, test mode and sandboxes.Mercado Pago
Not confirmedNot researched yet.Coming soon
Announced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship.
Announced, not yet live
Stripe
Preview or betaStablecoin-backed cards in 100 countriesExpected by the end of 2026
AnnouncedStablecoin financial accounts in 50 more countriesExpected Q4 2026
Preview or betaMove stablecoin balances to and from local bank accountsExpected Q4 2026
3 more and details →Mercado Pago
Nothing announcedIn short
Countries onboarded
Stripe
42 of 170Mercado Pago
7 of 170Designed for
Stripe
Online businesses that want one integration for checkout, subscriptions and marketplaces.Mercado Pago
Sellers in one of its seven Latin American countries who sell to local customers and want Pix, OXXO, cash vouchers, card-free installments and Mercado Pago wallet payments.Limitations
Stripe
Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.Mercado Pago
Each account works in one country and currency. Businesses outside the seven countries cannot sign up themselves; Cross Border (USD withdrawal abroad) has to be set up by Mercado Pago's team.| Stripe Payment processor | Mercado Pago Regional processor | |
|---|---|---|
| Onboards businesses in United States | Available | Not available |
| Accept payments | Cards, wallets and 100+ local payment methods. You can sell to customers in almost every country. | Online payments through Checkout Pro (hosted by Mercado Pago), Checkout API / Checkout Transparente (on your site), Checkout Bricks (embeddable components), payment links and subscriptions. Methods include cards, local bank transfers, cash vouchers, Mercado Pago account balance and card-free installments, varying by country.Not for businesses in United States. |
| Pay people abroad | Connect pays out to sellers and contractors, and Global Payouts sends money to recipients in many countries. | Not offered |
| Multi-currency account | Hold and settle balances in multiple currencies. Financial accounts with routing numbers are offered to US businesses. | A free Mercado Pago business account holds sales proceeds in local currency. Confirmed on the Brazil and Mexico seller pages only.Not for businesses in United States. |
| Business cards | Issue physical and virtual cards for your business or your users. | In Mexico, sellers get a free card to spend the money from their sales.Not for businesses in United States. |
| Stablecoins | US businesses can accept stablecoin payments that settle as dollars. Stablecoin financial accounts (via Bridge) are offered in 100+ countries. | Not offered |
| Yield on idle cash | Stripe Treasury gives US businesses 1% a year in credits on balances above $2,000, applied to Stripe fees. Stripe says it pays no cash interest on balances. | Not offered |
| Yield on idle cashA return on money you are not using. How safe it is depends on where the return comes from, not on how high the rate is. | ||
| Where the return comes from | Low risk, not insuredCredits against fees | No yield offered |
| Is the money protected? | Your balance is not invested. The return is paid as credits toward the provider’s own fees, not as cash. | – |
| Does the rate change? | Set by the provider, and only worth as much as the fees you pay.Last seen: 1% a year, as fee credits | – |
| FeesPublished prices only, with the date we read them. Many providers negotiate prices instead. | ||
| How pricing works | Stripe publishes per-country rates. US: 2.9% + 30¢ per domestic card payment, +1.5% for international cards, +1% for currency conversion. UK and Ireland: 1.5% + 20p / €0.25 for standard domestic-area cards, 2.8% for premium cards, 2.5% for EEA/UK cards, 3.15% for international cards and +2% conversion. No setup or monthly fees. | Not yet researched |
| Published prices | Domestic card payment (US): 2.9% + 30¢ per successful transaction for domestic cardsInternational card surcharge (US): +1.5%Currency conversion (US): +1% if currency conversion is requiredManually entered cards (US): +0.5%Setup / monthly fees (US, UK, Ireland): None on standard pricingStandard payout to bank (all): No fee to initiate normal payouts (a settlement fee can apply when settling in a non-primary currency) | – |
| What you can sellFrom each provider’s acceptable use policy. “Restricted” means allowed only with approval or conditions, or banned for part of the category. | ||
| Software and digital goods | Not stated | Not yet researched |
| Crypto | RestrictedCrypto exchanges and wallets are restricted (limited availability, contact sales). Crypto mining and staking, ICOs and secondary NFT sales are prohibited. | Not yet researched |
| Lending and financial services | RestrictedInvestment, lending, BNPL, money transmitters, remittance and currency exchange are restricted (contact sales). Peer-to-peer money transmission, check cashing, money orders and debt relief are prohibited. | Not yet researched |
| Gambling | Not allowedGames of chance, games of skill with prizes, sports forecasting, lotteries and bidding-fee auctions are listed as prohibited. Stripe's FAQ says some listed businesses can be supported with explicit prior approval. | Not yet researched |
| Adult content | Not allowedAdult content and services, pornography and AI-generated sexual content are prohibited. | Not yet researched |
| Dating | RestrictedOnline dating and matchmaking services are on the Restricted list, with specific prohibitions in India, the UAE and Thailand. | Not yet researched |
| Firearms and weapons | RestrictedLegal firearms, regulated parts and other weapons are restricted (limited availability, contact sales); illegal weapons are prohibited. | Not yet researched |
| Cannabis and CBD | Not allowedCannabis products and dispensaries are prohibited. CBD with only negligible THC within local limits is restricted; CBD over the local THC limit is prohibited. The FAQ says CBD is supported only for limited sale to licensed users in specific countries, which matches the list. | Not yet researched |
| Supplements | RestrictedStripe's list never says supplements are permitted. It prohibits nutraceuticals and pseudo-pharmaceuticals 'that are not safe or make harmful claims', which is a judgement Stripe makes. Its country-specific lists also prohibit vitamins in Thailand and HCG weight-loss products and ephedrine in Mexico. Part of the category is barred, so the status is restricted. Nutraceuticals are not on the general Restricted (approval) list. | Not yet researched |
| Pharmacy and telemedicine | RestrictedOnline pharmacies, card-not-present prescription products, regulated medical devices and telemedicine are restricted. FAQ: pharmacies are approved only for merchants in the US, Canada, the EU, Australia, the UK and Japan. | Not yet researched |
| Travel | RestrictedConflict between Stripe pages. The legal list puts travel reservation services and clubs under Restricted (approval possible), and commercial airlines, cruises, cross-border charter and timeshares under Prohibited. Stripe's FAQ says it does not support travel reservation services and clubs at all. | Not yet researched |
| Multi-level marketing | Not allowedPyramid schemes and multilevel marketing offering commission or recruitment-based sales are prohibited. | Not yet researched |
| Free-trial subscriptions | Not allowedNegative option marketing and membership clubs, and reduced-price trials with unclear or hidden pricing, are prohibited. Clearly disclosed subscriptions are not covered by this line. | Not yet researched |
| Platform & marketplaceRun payments for other businesses: sign them up, take a cut, pay them out. | ||
| Sub-accounts for your users | YesConnect creates and verifies accounts through hosted onboarding, embedded components or the API. Accounts v2 lets one account be a merchant, customer and payout recipient at once. | PartlyPlatforms connect sellers' own Mercado Pago accounts through OAuth and act on their behalf. Creating accounts for sellers through an API was not found. |
| Split payments and platform fees | YesDestination charges, separate charges and transfers, and application fees. | YesMarketplace integrations split each payment between seller and marketplace; the platform sets its commission with marketplace_fee. Confirmed on the Brazil docs. |
| Embeddable UI | YesConnect embedded components for onboarding, payments, payouts and account management. | YesCheckout Bricks are pre-built, customisable payment components (Payment, Card Payment, Wallet, Status Screen) that run on the seller's site. |
| Pay out to your users | YesPayouts to connected accounts, including instant payouts in some markets. Global Payouts sends fiat to 100+ markets and stablecoins to 160.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins | Not confirmedNot found in public materials. |
| Embedded finance for your usersGive your users financial products under your brand. | ||
| Accounts that hold money | PartlyFinancial accounts for platforms (formerly Treasury) give US business users routing numbers and FDIC pass-through eligibility. US only.Announced, not yet live: Financial accounts for platforms’ users in the eurozone | Not confirmedNot found in public materials. Mercado Pago runs its own consumer and seller accounts, but an API for platforms to open accounts for their users was not found. |
| Cards for your users | YesIssuing for connected accounts: virtual and physical cards via the API. Cardholders can be individuals or companies.Announced, not yet live: Stablecoin-backed cards in 100 countries | Not confirmedNot found in public materials. |
| Financing for your users | YesCapital for platforms offers financing to connected accounts in selected markets. | Not confirmedNot found in public materials. Mercado Pago offers credit to its own sellers, but no lending product for platforms was found. |
| Consumer appsBuild for individuals, not just businesses, the way Bridge allows. | ||
| End users can be individuals | PartlyStripe’s own account products are built for businesses. Consumer apps (wallets, stablecoin cards) go through its subsidiary Bridge. | Not confirmedNot found in public materials. |
| Consumer wallets or accounts | PartlyThrough Bridge custodial wallets, not Stripe accounts. | Not confirmedNot found in public materials. |
| Consumer cards | PartlyStablecoin-linked consumer cards through Bridge and Stripe Issuing, rolling out by country (65+ countries, targeting 100 by end of 2026).Announced, not yet live: Stablecoin-backed cards in 100 countries | Not confirmedNot found in public materials. |
| StablecoinsDollar-backed tokens as a payment and treasury rail. | ||
| Accept stablecoins | YesStablecoin payments at checkout, settled to the business in fiat. | Not confirmedNot found in public materials. |
| Hold stablecoin balances | YesStablecoin financial accounts in 101 countries: USDC balances with USD (ACH, wire) and EUR (SEPA) rails.Announced, not yet live: Stablecoin financial accounts in 50 more countriesAnnounced, not yet live: Move stablecoin balances to and from local bank accounts | Not confirmedNot found in public materials. |
| Pay out in stablecoins | YesInstant stablecoin payouts to recipients in 160 markets through Global Payouts.Announced, not yet live: EU marketplaces paying sellers in 100+ countries with stablecoins | Not confirmedNot found in public materials. |
| Issue your own stablecoin | YesThrough Bridge Open Issuance. | Not confirmedNot found in public materials. |
| Regulatory risk in United States | Low risk | No stablecoin products |
| AI agentsBuild with AI tools, and let AI agents shop and pay. | ||
| Official MCP server | YesHosted MCP server at mcp.stripe.com with OAuth, plus an agent toolkit for the major agent frameworks. | YesOfficial remote MCP server. Tools cover searching the docs, managing applications (OAuth only), configuring webhooks, creating test users and measuring integration quality. It is integration tooling, not payment execution. |
| Checkout for AI agents | YesCo-developed the Agentic Commerce Protocol with OpenAI, which powers Instant Checkout in ChatGPT. Shared payment tokens let an agent pay a seller without seeing card numbers. | PartlyCommerce Agents Checkout (open-source Python library, beta 0.1.0; post dated 24 Sep 2026) hands an AI agent's flow off to Checkout Pro without giving the model control of prices, credentials or payment creation. The buyer still pays in Checkout Pro; it is not an ACP/AP2 implementation. |
| Cards for AI agents | YesIssuing can create single-use virtual cards for agents buying online. | Not confirmedNot found in public materials. |
| Working with themHow easy it is to get started. | ||
| Self-serve signup | YesSign up online and go live without sales in supported countries. | Not confirmedNot researched yet. |
| Published pricing | YesStandard rates are on the pricing page; volume discounts are negotiated. | Not confirmedNot researched yet. |
| Public API and sandbox | YesPublic API, test mode and sandboxes. | Not confirmedNot researched yet. |
| Coming soonAnnounced but not launched. These are plans, not products you can sign up for today: timing often slips, and some never ship. | ||
| Announced, not yet live | Preview or betaStablecoin-backed cards in 100 countriesExpected by the end of 2026 AnnouncedStablecoin financial accounts in 50 more countriesExpected Q4 2026 Preview or betaMove stablecoin balances to and from local bank accountsExpected Q4 2026 3 more and details → | Nothing announced |
| In short | ||
| Countries onboarded | 42 of 170 | 7 of 170 |
| Designed for | Online businesses that want one integration for checkout, subscriptions and marketplaces. | Sellers in one of its seven Latin American countries who sell to local customers and want Pix, OXXO, cash vouchers, card-free installments and Mercado Pago wallet payments. |
| Limitations | Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it. | Each account works in one country and currency. Businesses outside the seven countries cannot sign up themselves; Cross Border (USD withdrawal abroad) has to be set up by Mercado Pago's team. |
Common questions
Is Stripe or Mercado Pago available in more countries?
Stripe. Of the 170 countries we track, Stripe onboards businesses in 42 (and 2 more with limits) and Mercado Pago in 7. Both serve businesses in 2. Only Stripe: United States, Canada, United Kingdom, Ireland, Germany, France, Netherlands, Belgium, Luxembourg, Austria, Spain, Portugal and 30 more. Only Mercado Pago: Argentina, Colombia, Chile, Peru and Uruguay.
What do Stripe and Mercado Pago offer?
Accept payments: Stripe yes, Mercado Pago yes. Pay people abroad: Stripe yes, Mercado Pago no. Multi-currency account: Stripe yes, Mercado Pago yes. Business cards: Stripe yes, Mercado Pago yes. Stablecoins: Stripe yes, Mercado Pago no. Yield on idle cash: Stripe yes, Mercado Pago no.
How do Stripe and Mercado Pago differ for platforms and embedded finance?
Sub-accounts for your users: Stripe yes, Mercado Pago partly. Pay out to your users: Stripe yes, Mercado Pago not confirmed. Accounts that hold money: Stripe partly, Mercado Pago not confirmed. Cards for your users: Stripe yes, Mercado Pago not confirmed. Financing for your users: Stripe yes, Mercado Pago not confirmed. End users can be individuals: Stripe partly, Mercado Pago not confirmed. Consumer wallets or accounts: Stripe partly, Mercado Pago not confirmed. Consumer cards: Stripe partly, Mercado Pago not confirmed. Accept stablecoins: Stripe yes, Mercado Pago not confirmed. Hold stablecoin balances: Stripe yes, Mercado Pago not confirmed. Pay out in stablecoins: Stripe yes, Mercado Pago not confirmed. Issue your own stablecoin: Stripe yes, Mercado Pago not confirmed. Checkout for AI agents: Stripe yes, Mercado Pago partly. Cards for AI agents: Stripe yes, Mercado Pago not confirmed.
Who is Stripe designed for?
Online businesses that want one integration for checkout, subscriptions and marketplaces. Limitations: Your business must be registered in a country on Stripe’s supported list. Most of Africa and South Asia are not on it.
Who is Mercado Pago designed for?
Sellers in one of its seven Latin American countries who sell to local customers and want Pix, OXXO, cash vouchers, card-free installments and Mercado Pago wallet payments. Limitations: Each account works in one country and currency. Businesses outside the seven countries cannot sign up themselves; Cross Border (USD withdrawal abroad) has to be set up by Mercado Pago's team.
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