Mercado Pago Payment Link lets sellers create a payment link and share it with customers without a website or ecommerce store. To create a link, enter the sale amount, choose payment methods and installment terms, set an expiry, then share it through WhatsApp, social media, chats, or websites. Customers do not need a Mercado Pago account to pay. Listed methods include credit cards, Caixa virtual debit card, Mercado Pago balance, Linha de Crédito, Pix, and boleto. Sellers can offer up to 18 installments; if buyers are not charged extra for installments, the seller incurs an additional fee alongside processing fees. Payout options listed are same day, 14 days, and 30 days. Some new sellers receive funds in 7 days until same-day payout is available. There is no monthly fee; processing and possible installment fees apply when a sale is made. Mercado Pago says it monitors transactions 24 hours a day, uses security models and 3DS 2.0, reviews risky charges, and provides seller protection for certain disputes or fraud involving physical goods.
Who it is for
This suits businesses that sell remotely and want to collect payments through shared links rather than a website or ecommerce store. It can also suit sellers who want to offer multiple payment methods or installments.
What is good
- No website or ecommerce setup is required.
- Customers can pay without a Mercado Pago account.
- Links can be shared through messaging and social channels.
- Offers up to 18 installments.
What to know first
- Processing fees apply when a sale is made.
- Installments without a buyer charge incur an extra fee.
- Some new sellers receive funds in 7 days initially.
Verdict
Mercado Pago Payment Link offers a way to take payments through shared links, with several payment methods and payout options. There is no monthly fee, but sales and some installment arrangements carry fees.
Mercado Pago Payment Link plans and pricing
All plansCompared on payment link software
- Free plan
- Yes
- Payment method coverage
- broad
- Checkout customization
- basic
