Fee comparison
Mercado Pago vs Stripe fees in Brazil
In Brazil, Mercado Pago charges 4.98% on a credit card released instantly and 4.48% at 14 days, while Stripe lists 3.99% + BRL 0.39 per domestic card transaction: on a BRL 100 sale that is BRL 4.98, BRL 4.48 and BRL 4.38. On Pix the order flips: Mercado Pago 0.99% (BRL 0.99) against Stripe’s 1.19% (BRL 1.19).
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 0.99Lowest fee · Pix | BRL 99.01 | 0.99% |
| Stripe | PixPricing page · Verified 2026-11-05 | 1.19% | BRL 1.19 | BRL 98.81 | 1.19% |
| Stripe | Domestic cardsPricing page · Verified 2026-11-05 | 3.99% + BRL 0.39 | BRL 4.38Lowest fee · cards | BRL 95.62 | 4.38% |
| Mercado Pago | Credit card · released in 14 daysPricing page · Verified 2026-11-05 | 4.48% | BRL 4.48 | 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% |
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 Stripe fits better
- Your sales are domestic card payments in Mexico or Brazil and you want one flat per-transaction price: its pricing page lists no setup, monthly or hidden fees.
- You do not want the price to depend on a money-release term.
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.
- Stripe: the useDeploy adapter is a scaffold and does not charge yet.
About these fees
Which is cheaper in Brazil, Mercado Pago or Stripe?+
On a BRL 100.00 sale: Mercado Pago · Credit card · instant release: BRL 4.98; Mercado Pago · Credit card · released in 14 days: BRL 4.48; Mercado Pago · Pix · instant release: BRL 0.99; Stripe · Domestic cards: BRL 4.38; Stripe · Pix: BRL 1.19. The cheaper one depends on the money-release term and on the payment method, and the figures are before taxes.
Do these rates include taxes?+
No. They are the percentages and fixed fees the providers publish, without local taxes such as IVA. A row says when its source states a tax on top.
Where do these rates come from?+
From the providers’ own pricing pages, read on 2026-11-05: https://www.mercadopago.com.br/ferramentas-para-vender/check-out, https://stripe.com/en-br/pricing.
| Price | Founder $99 or Lifetime $199, one-time payment (no subscription) |
|---|---|
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| 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. |
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