Mercado Pago is a digital payments and financial services brand that helps individuals and businesses manage money and make and receive payments. Through its digital account and app, users can earn daily returns in pesos and dollars, buy and sell dollars, transfer money, pay bills, top up services, and make QR payments, including for public transport. The brand also offers a prepaid card, a credit card, and credit options such as personal loans and installment purchases, subject to approval.

For businesses, Mercado Pago provides ways to accept payments, including Point card readers, Tap to Pay on Android and iPhone, QR codes, payment links, and website checkout. Subscription plans, business credit offers, and management tools support day-to-day operations. The company also provides customer assistance and account security resources.

Mercado Pago states that it offers payment services and is not authorized by Argentina’s central bank to operate as a financial institution. Returns are not guaranteed, and funds in payment accounts are not deposits covered by deposit guarantees.