Mercado Pago Empresas vs Vivid Money.
Mercado Pago Empresas (M69/100) and Vivid Money (V62/100), 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 | V Vivid Money №47 · Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services 62 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 62 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Partner-bank BACEN | E-money inst. |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 5 countries |
| Crypto Coins available | 3 coins | 300 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.5 ★ 30k reviews | 4.2 ★ 8k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.5 ★ iOS 4.5 · 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 Vivid Money if…
Pick if cashback on cards matters more than regulatory depth or rich product breadth.
- Best for fees Vivid Money won 2 of 4
- Best for protection Mercado Pago Empresas won 1 of 2
- Best for reach Tied
- Best for ux Tied
Mercado Pago Empresas vs Vivid Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercado Pago Empresas better than Vivid Money?
Mercado Pago Empresas and Vivid Money are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: Mercado Pago Empresas 69/100 vs Vivid Money 62/100. The right pick depends on which dimension you weight most heavily.
Is Mercado Pago Empresas or Vivid Money cheaper?
Monthly fee — Mercado Pago Empresas: €0; Vivid Money: €0. Card FX markup — Mercado Pago Empresas: 2.50%; Vivid Money: Interbank. Vivid Money wins more fee rows (2 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 Vivid Money?
Mercado Pago Empresas holds a Partner-bank licence under BACEN; deposit guarantee per depositor: €250,000. Vivid Money holds a E-money inst. licence under Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services; deposit guarantee per depositor: Safeguarded. Mercado Pago Empresas is the stronger pick on regulatory protection.
Where can I use Mercado Pago Empresas and Vivid Money?
Mercado Pago Empresas operates in 7 countries; Vivid Money operates in 5 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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