Mercado Pago Empresas vs Penta.
Mercado Pago Empresas (M69/100) and Penta (P61/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Mercado Pago Empresas leads Penta 8-1.
| M Mercado Pago Empresas №38 · BACEN 69 /100 | P Penta №49 · BaFin 61 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 61 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | 2.50% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank BACEN | Partner-bank BaFin |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 1 country |
| Crypto Coins available | 3 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.5 ★ 30k reviews | 3.2 ★ 0k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick Mercado Pago Empresas if…
The LATAM SMB-and-merchant payments platform with the deepest marketplace integration in the region — integrated with MercadoLibre / Mercado Livre, the largest e-commerce marketplace in Latin America. Multi-country coverage (BR, AR, MX, CO, CL, UY, PE) plus the marketplace network effect makes Mercado Pago Empresas the structural default for any LATAM-operating SMB that touches the MercadoLibre ecosystem. Free business account + card-acceptance terminals (Point) + online payment gateway + working-capital loans (Mercado Crédito) underwritten on platform sales data — the structural answer for any SMB selling on Mercado Livre / Mercado Libre marketplaces and the default e-commerce checkout across BR / AR / MX / CO / CL. Payment-institution model (not a bank), so customer funds are NOT FGC / national-DGS protected. Parent MercadoLibre (NASDAQ: MELI) is the dominant e-commerce + fintech platform across LATAM.
Pick Penta if…
The German SME-focused partner-bank neobank with the deepest DATEV-first workflow in the category. Customer deposits sit at Solaris Bank AG (BaFin-licensed credit institution) with DGS pass-through cover — structurally distinct from EMI-licensed Tide / Finom / Anna / Holvi. The structural fit for German GmbH / UG companies needing DGS-protected operating cash plus DATEV / Lexoffice / sevDesk integration depth without Qonto's freelancer-tier UX baggage.
- Best for fees Tied
- Best for protection Mercado Pago Empresas won 1 of 2
- Best for reach Mercado Pago Empresas won 3 of 3
- Best for ux Mercado Pago Empresas won 2 of 2
Mercado Pago Empresas vs Penta — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercado Pago Empresas better than Penta?
Under our v3 methodology, Mercado Pago Empresas leads Penta 8–1 across 12 dimensions. Composite scores: Mercado Pago Empresas 69/100 vs Penta 61/100. Mercado Pago Empresas is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Mercado Pago Empresas or Penta cheaper?
Monthly fee — Mercado Pago Empresas: €0; Penta: €9. Card FX markup — Mercado Pago Empresas: 2.50%; Penta: 1.00%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Mercado Pago Empresas or Penta?
Mercado Pago Empresas holds a Partner-bank licence under BACEN; deposit guarantee per depositor: €250,000. Penta holds a Partner-bank licence under BaFin; deposit guarantee per depositor: Safeguarded. Mercado Pago Empresas is the stronger pick on regulatory protection.
Where can I use Mercado Pago Empresas and Penta?
Mercado Pago Empresas operates in 7 countries; Penta operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
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