Fee comparison
Mercado Pago vs Stripe fees in Mexico
On a MXN 1,000 sale in Mexico, Stripe’s published 3.6% + MXN 3.00 (plus IVA) comes to MXN 39.00 before IVA. Mercado Pago’s Link de pago page lists 3.49% for instant release (MXN 38.90 with its MXN 4.00 fixed fee), 3.19% at 7 days (MXN 35.90) and 2.95% at 30 days (MXN 33.50), plus IVA. These figures exclude taxes.
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 | Link de pago · released in 30 daysThe source states IVA on the fixed fee; the Checkout page states IVA on the same percentages.Pricing page · Verified 2026-11-05 | 2.95% + MXN 4.00 | MXN 33.50Lowest fee | MXN 966.50 | 3.35% |
| Mercado Pago | Link de pago · released in 7 daysThe source states IVA on the fixed fee; the Checkout page states IVA on the same percentages.Pricing page · Verified 2026-11-05 | 3.19% + MXN 4.00 | MXN 35.90 | MXN 964.10 | 3.59% |
| Mercado Pago | Link de pago · instant releaseThe source states IVA on the fixed fee; the Checkout page states IVA on the same percentages.Pricing page · Verified 2026-11-05 | 3.49% + MXN 4.00 | MXN 38.90 | MXN 961.10 | 3.89% |
| Stripe | Domestic cardsPlus IVA, as the source states.Pricing page · Verified 2026-11-05 | 3.6% + MXN 3.00 | MXN 39.00 | MXN 961.00 | 3.9% |
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 Mexico, Mercado Pago or Stripe?+
On a MXN 1,000.00 sale: Mercado Pago · Link de pago · instant release: MXN 38.90; Mercado Pago · Link de pago · released in 7 days: MXN 35.90; Mercado Pago · Link de pago · released in 30 days: MXN 33.50; Stripe · Domestic cards: MXN 39.00. 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.mx/herramientas-para-vender/link-de-pago, https://stripe.com/en-mx/pricing.
More comparisons in this country
| 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 |