Fee comparison
Mercado Pago vs PayPal fees in Brazil
In Brazil, PayPal lists 4.79% + BRL 0.60 for domestic card payments, which is BRL 5.39 on a BRL 100 sale. Mercado Pago lists 4.98% (BRL 4.98) with instant release, 4.48% (BRL 4.48) at 14 days and 0.99% on Pix. PayPal’s page also adds 1.61% on international commercial transactions.
Read this before you rely on a number
Rates as of 2026-11-05; verify them at the source, which every row links. The figures do not include local taxes (IVA, IIBB and similar) unless a row says so, and the tool does not compute taxes. We only list a provider and country when its official page gives a clear rate.
Fee and net by provider
| Provider | Method and money release | Published rate | Fee | You receive | Effective |
|---|---|---|---|---|---|
| Mercado Pago | Pix · instant releasePricing page · Verified 2026-11-05 | 0.99% | BRL 0.99 | BRL 99.01 | 0.99% |
| Mercado Pago | Credit card · released in 14 daysPricing page · Verified 2026-11-05 | 4.48% | BRL 4.48Lowest fee · cards | BRL 95.52 | 4.48% |
| Mercado Pago | Credit card · instant releasePricing page · Verified 2026-11-05 | 4.98% | BRL 4.98 | BRL 95.02 | 4.98% |
| PayPal | Domestic commercial transactionsPricing page · Verified 2026-11-05 | 4.79% + BRL 0.60 | BRL 5.39 | BRL 94.61 | 5.39% |
When Mercado Pago fits better
- You can wait for the money. Its percentage falls as the release term gets longer, so a longer term costs less than instant release; the table shows each term it publishes in this country.
- You sell in the local currency and want each rate published per country in that currency, with the release term spelled out.
When PayPal fits better
- Your buyers want to pay with PayPal rather than a card or a local method. That preference, not the rate, is the reason to choose it here.
Disclosure
useDeploy is our product, and it integrates some of the providers on this page. We wrote the comparison from the providers’ published rates only; the fees above do not depend on useDeploy.
- Mercado Pago: useDeploy ships Checkout Pro one-time payments with signed webhooks.
About these fees
Which is cheaper in Brazil, Mercado Pago or PayPal?+
Do these rates include taxes?+
Where do these rates come from?+
| Price | Founder $99 or Lifetime $199, one-time payment (no subscription) |
|---|---|
| License | Full source, commercial use, unlimited projects. Founder is a frozen snapshot; Lifetime includes every future release. |
| Stack | Next.js frontend, Express API, Bun runtime, Prisma, BetterAuth |
| Auth | BetterAuth: sessions, 2FA, magic links, password reset |
| Multi-tenancy and RBAC | Organizations with members, invitations, roles and permissions |
| Payments | Polar: full billing (checkout, customer portal, webhooks, plan sync). MercadoPago: Checkout Pro one-time payments with signed webhooks; subscriptions are not supported yet. Stripe: adapter scaffold, not charging yet. |
| Guardrails for AI agents | ESLint-enforced architecture layers, Claude Code hooks and an AGENTS.md |
| Refund | 14 days |
| Try it: free account | Sign up free and explore the dashboard: organizations, roles, billing, audit log. You buy the license from inside. https://usedeploy.dev/register |
| Docs | Documentation in English, with Spanish and Portuguese translations of the main guides |