Payment fees · Country
Payment processor fees in Mexico
In Mexico, Stripe lists 3.6% + MXN 3.00 per domestic card transaction, plus IVA, and PayPal 3.95% + MXN 4.00 plus IVA. Mercado Pago’s Link de pago page lists 3.49% for instant release, 3.19% at 7 days and 2.95% at 30 days, plus a MXN 4.00 fixed fee and IVA. Polar charges 5% + USD 0.50, or 6.5% + USD 0.50 on non-US cards, in dollars. On a MXN 1,000 sale that is MXN 38.90 (Mercado Pago Link, instant), MXN 39.00 (Stripe) or MXN 43.50 (PayPal), before 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
Polar charges in US dollars, so its rows use their own amount in USD. Nothing is converted from the local currency.
MXN
| 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% |
| PayPal | Domestic commercial transactionsPlus IVA, as the source states.Pricing page · Verified 2026-11-05 | 3.95% + MXN 4.00 | MXN 43.50 | MXN 956.50 | 4.35% |
USDPriced in USD
| Provider | Method and money release | Published rate | Fee | You receive | Effective |
|---|---|---|---|---|---|
| Polar | Starter plan · US cardPolar is the merchant of record: its fee is charged on the tax-inclusive total (its own example) and it takes on the liability for international sales taxes. Payouts add Stripe’s fees: USD 2 per month of active payouts, 0.25% + USD 0.25 per payout, and 1% currency conversion outside the EU.Pricing page · Verified 2026-11-05 | 5% + USD 0.50 | USD 5.50Lowest fee | USD 94.50 | 5.5% |
| Polar | Starter plan · non-US card (5% + 1.5%)Polar is the merchant of record: its fee is charged on the tax-inclusive total (its own example) and it takes on the liability for international sales taxes. Payouts add Stripe’s fees: USD 2 per month of active payouts, 0.25% + USD 0.25 per payout, and 1% currency conversion outside the EU.Pricing page · Verified 2026-11-05 | 6.5% + USD 0.50 | USD 7.00 | USD 93.00 | 7% |
Fees in Mexico: questions
Which payment provider is cheapest in Mexico?+
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; PayPal · Domestic commercial transactions: MXN 43.50. On a USD 100.00 sale: Polar · Starter plan · US card: USD 5.50; Polar · Starter plan · non-US card (5% + 1.5%): USD 7.00. The cheapest depends on the money-release term you choose 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.
Which providers are not listed for Mexico, and why?+
All four providers are listed. For Mercado Pago we show only the Link de pago page: it states the MXN 4.00 fixed fee, while the Checkout page lists the same percentages (+IVA) without stating a card fixed fee, so we left its rows out rather than guess. Its cash payments are also left out, because its own pages do not agree on their rates.
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