Regional processor
Mercado Pago
Mercado Libre's payments arm: online checkout and local methods
6%
of the world’s people live in the 7 countries where Mercado Pago onboards local businesses.
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.
What it offers
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.
Only for businesses in 7 countries.
Not offered.
A free Mercado Pago business account holds sales proceeds in local currency. Confirmed on the Brazil and Mexico seller pages only.
Only for businesses in BR, MX.
medium confidence
In Mexico, sellers get a free card to spend the money from their sales.
Only for businesses in MX.
medium confidence
Not offered.
Not offered.
Deeper review
Platform and product capabilities
What you can build on Mercado Pago: for other businesses, for your users, for consumers and with stablecoins.
Platform & marketplace
Run payments for other businesses: sign them up, take a cut, pay them out.
Platforms connect sellers' own Mercado Pago accounts through OAuth and act on their behalf. Creating accounts for sellers through an API was not found.
medium confidence
Marketplace integrations split each payment between seller and marketplace; the platform sets its commission with marketplace_fee. Confirmed on the Brazil docs.
Checkout Bricks are pre-built, customisable payment components (Payment, Card Payment, Wallet, Status Screen) that run on the seller's site.
Embedded finance for your users
Give your users financial products under your brand.
Not 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.
low confidence
Not found in public materials. Mercado Pago offers credit to its own sellers, but no lending product for platforms was found.
low confidence
Consumer apps
Build for individuals, not just businesses, the way Bridge allows.
Stablecoins
Dollar-backed tokens as a payment and treasury rail.
AI agents
Build with AI tools, and let AI agents shop and pay.
Official 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.
Commerce 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.
Where it onboards businesses
Available in 7 of the 170 countries we track.
Mercado Pago's checkout products are available in Argentina, Brazil, Chile, Colombia, Mexico, Peru and Uruguay, through a seller account on that country's site. Outside these seven countries, its sales team can set up a Cross Border account that collects in local currency and pays out in USD to a bank abroad, but Mercado Pago publishes no list of eligible seller countries.
Medium confidence: compiled from public sources, not yet checked line by line. Spotted a wrong country? Report it on that country’s page.
Latin America · 7
Mercado Pago: common questions
Which countries does Mercado Pago support?
Mercado Pago onboards businesses registered in 7 of the 170 countries we track. Available: Mexico, Brazil, Argentina, Colombia, Chile, Peru and Uruguay.
Where is Mercado Pago available, by region?
Countries where Mercado Pago onboards businesses (fully or with limits), by region: North America 0 of 2, Latin America 7 of 26, Europe 0 of 43, Middle East 0 of 14, Africa 0 of 49, Asia-Pacific 0 of 36.
What does Mercado Pago offer?
Accept payments: 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. Multi-currency account: A free Mercado Pago business account holds sales proceeds in local currency. Confirmed on the Brazil and Mexico seller pages only. Business cards: In Mexico, sellers get a free card to spend the money from their sales.
Does Mercado Pago support stablecoins?
No stablecoin products are listed for Mercado Pago.
Can marketplaces and platforms use Mercado Pago?
Sub-accounts for your users: Partly (Platforms 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: Yes (Marketplace integrations split each payment between seller and marketplace; the platform sets its commission with marketplace_fee. Confirmed on the Brazil docs). Embeddable UI: Yes (Checkout 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: Not confirmed (Not found in public materials).
What are the alternatives to Mercado Pago?
Other regional processor providers we track: Flutterwave, Paystack, Razorpay and Xendit. Which one fits depends mostly on where your business is registered.
Sources
- Mercado Pago Developers: Checkout Pro (Availability by country) ↗
- Mercado Pago Developers: Checkout API, Colombia (Disponibilidad por país) ↗
- Mercado Pago Developers: Cross Border ↗
- Mercado Pago Developers: Available payment methods ↗
- Mercado Pago Developers: Checkout Bricks ↗
- Mercado Pago Developers: Subscriptions (AR) ↗
- Mercado Pago Developers: Subscriptions (UY) ↗
- Mercado Pago Developers: Integrate checkout in marketplace ↗
- Mercado Pago Developers: OAuth ↗
- Mercado Pago Brasil: Checkout fees ↗
- Mercado Pago Brasil: Link de pagamento ↗
- Mercado Pago México: Link de pago ↗
- Mercado Pago Argentina: Actividades Prohibidas ↗
- Mercado Pago Developers: MCP Server ↗
- Mercado Pago Developers news: Implement payments in your AI agent's checkout ↗
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