Mercado Pago Empresas vs Nubank PJ.
Mercado Pago Empresas (M69/100) and Nubank PJ (N53/100), 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 Nubank PJ 5-3.
| M Mercado Pago Empresas №38 · BACEN 69 /100 | N Nubank PJ №63 · FDIC 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.50% | 1.10% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank BACEN | Payment inst. FDIC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 3 countries |
| Crypto Coins available | 3 coins | 2 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.5 ★ 30k reviews | 3.8 ★ 50k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 Nubank PJ if…
Brazil's default SMB neobank — 3M+ business accounts on a free Conta PJ with PIX instant transfers, FGC-protected deposits up to BRL 250,000 per customer per institution, and Nu Invest integration for idle-cash CDB / LCI / LCA / Tesouro Direto yield. Backed by Nubank Holdings (NYSE: NU), the largest neobank in LATAM by market cap. Operating as a BACEN-supervised full financial institution under Nu Pagamentos S.A., distinguished from US / EU SMB neobanks by genuine full-bank licensing and FGC cover — deposit insurance is real, not a partner-bank pass-through.
- Best for fees Nubank PJ won 1 of 4
- Best for protection Mercado Pago Empresas won 2 of 2
- Best for reach Mercado Pago Empresas won 2 of 3
- Best for ux Nubank PJ won 2 of 2
Mercado Pago Empresas vs Nubank PJ — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercado Pago Empresas better than Nubank PJ?
Under our v3 methodology, Mercado Pago Empresas leads Nubank PJ 5–3 across 12 dimensions. Composite scores: Mercado Pago Empresas 69/100 vs Nubank PJ 53/100. 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 Nubank PJ cheaper?
Monthly fee — Mercado Pago Empresas: €0; Nubank PJ: €0. Card FX markup — Mercado Pago Empresas: 2.50%; Nubank PJ: 1.10%. Nubank PJ 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 Nubank PJ?
Mercado Pago Empresas holds a Partner-bank licence under BACEN; deposit guarantee per depositor: €250,000. Nubank PJ holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Mercado Pago Empresas is the stronger pick on regulatory protection.
Where can I use Mercado Pago Empresas and Nubank PJ?
Mercado Pago Empresas operates in 7 countries; Nubank PJ operates in 3 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
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