Mercado Pago Empresas vs Qonto.
Mercado Pago Empresas (M69/100) and Qonto (Q51/100), 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 Qonto 7-3.
| M Mercado Pago Empresas №38 · BACEN 69 /100 | Q Qonto №70 · Payment institution license 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | 2.50% | 1.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank BACEN | Payment inst. |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded EU.DGS.FR |
| Reach | ||
| Markets served Licensed jurisdictions | 7 countries | 8 countries |
| Crypto Coins available | 3 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.5 ★ 30k reviews | 4.8 ★ 50k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.5 ★ iOS 4.8 · And 4.3 |
| 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 Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
- Best for fees Tied
- Best for protection Mercado Pago Empresas won 2 of 2
- Best for reach Mercado Pago Empresas won 2 of 3
- Best for ux Tied
Mercado Pago Empresas vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Mercado Pago Empresas better than Qonto?
Under our v3 methodology, Mercado Pago Empresas leads Qonto 7–3 across 12 dimensions. Composite scores: Mercado Pago Empresas 69/100 vs Qonto 51/100. 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 Qonto cheaper?
Monthly fee — Mercado Pago Empresas: €0; Qonto: €9. Card FX markup — Mercado Pago Empresas: 2.50%; Qonto: 1.70%. 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 Qonto?
Mercado Pago Empresas holds a Partner-bank licence under BACEN; deposit guarantee per depositor: €250,000. Qonto holds a Payment inst. licence under Payment institution license (France, 2018); EU passport across served markets; filed for full French banking license in July 2025; deposit guarantee per depositor: Safeguarded. Mercado Pago Empresas is the stronger pick on regulatory protection.
Where can I use Mercado Pago Empresas and Qonto?
Mercado Pago Empresas operates in 7 countries; Qonto operates in 8 countries. 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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