WeBank vs Mercado Pago Empresas.
WeBank (W76/100) and Mercado Pago Empresas (M69/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| M Mercado Pago Empresas №38 · BACEN 69 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| 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 | Full bank CBI |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €500,000 CN.PBoC-DIS |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 1 country |
| Crypto Coins available | 3 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.5 ★ 30k reviews | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees WeBank won 1 of 4
- Best for protection WeBank won 2 of 2
- Best for reach Mercado Pago Empresas won 2 of 3
- Best for ux Mercado Pago Empresas won 2 of 2
WeBank vs Mercado Pago Empresas — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercado Pago Empresas better than WeBank?
Mercado Pago Empresas and WeBank are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: Mercado Pago Empresas 69/100 vs WeBank 76/100. The right pick depends on which dimension you weight most heavily.
Is Mercado Pago Empresas or WeBank cheaper?
Monthly fee — Mercado Pago Empresas: €0; WeBank: €0. Card FX markup — Mercado Pago Empresas: 2.50%; WeBank: 1.00%. WeBank wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Mercado Pago Empresas or WeBank?
Mercado Pago Empresas holds a Partner-bank licence under BACEN; deposit guarantee per depositor: €250,000. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use Mercado Pago Empresas and WeBank?
Mercado Pago Empresas operates in 7 countries; WeBank 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?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.