specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Mercado Pago
providerId: mercado-pago
created: '2026-05-25'
modified: '2026-05-25'
tags:
  - Payments
  - Checkout
  - Subscriptions
  - POS
  - QR
  - PIX
  - Latin America
  - Brazil
  - Argentina
  - Mexico
  - Fintech
description: |
  Commercial model for the Mercado Pago API surface. Mercado Pago does not
  meter its APIs on a per-request basis — pricing is transaction-based and
  set per market, per product, per payment method, and per settlement window
  (immediate, daily, 14-day, 30-day). API access itself is free; the
  merchant pays per successfully processed transaction. The published
  Brazilian rates below are representative scaffold values; reconcile per
  market and per acquiring contract.
pricingModel:
  type: transactional
  basis: per-successful-transaction
  variableBy:
    - market
    - payment_method
    - settlement_window
    - product (Checkout Pro vs Bricks vs API vs Point vs QR)
    - merchant_segment
plans:
  - id: mercado-pago-developer-access
    name: Developer Access
    type: free
    description: |
      Free, self-serve access to the Mercado Pago APIs, sandbox, SDKs,
      CLI, and MCP server. No monthly API fee. Merchant pays only per
      processed transaction.
    entries:
      - label: API Access
        description: Sandbox + production API access against all REST endpoints
        name: api_access
        type: feature
        metric: included
        limit: -1
        unit: 1
        price: '0.00'
        userMultiplied: false
      - label: Sandbox Environment
        description: Full sandbox with test payment methods, including PIX/Boleto/OXXO
        name: sandbox
        type: feature
        metric: included
        limit: -1
        unit: 1
        price: '0.00'
        userMultiplied: false
      - label: Webhooks
        description: Signed payment / merchant_order / preapproval webhooks
        name: webhooks
        type: feature
        metric: included
        limit: -1
        unit: 1
        price: '0.00'
        userMultiplied: false
  - id: mercado-pago-transaction-pricing-br
    name: Transaction Pricing (Brazil reference)
    type: usage
    description: |
      Representative per-transaction commissions for Brazil (MLB).
      Mercado Pago publishes country-specific rate cards; the published
      headline rates as of 2026 are summarised below. Reconcile against
      `https://www.mercadopago.com.br/custos-de-vender/precos-cobrar` for
      live pricing.
    entries:
      - label: Credit Card — Immediate Settlement
        description: Per credit-card transaction released within ~14 days
        name: credit_card_immediate
        type: rate
        metric: percent_of_transaction
        limit: -1
        unit: 1
        price: '4.98'
        currency: BRL
      - label: Credit Card — 30 Day Settlement
        description: Per credit-card transaction released after 30 days
        name: credit_card_30d
        type: rate
        metric: percent_of_transaction
        limit: -1
        unit: 1
        price: '3.79'
        currency: BRL
      - label: PIX
        description: Per approved PIX payment
        name: pix
        type: rate
        metric: percent_of_transaction
        limit: -1
        unit: 1
        price: '0.99'
        currency: BRL
      - label: Boleto
        description: Per approved boleto bancário
        name: boleto
        type: rate
        metric: fixed_per_transaction
        limit: -1
        unit: 1
        price: '3.49'
        currency: BRL
      - label: Debit Card
        description: Per approved debit card transaction
        name: debit_card
        type: rate
        metric: percent_of_transaction
        limit: -1
        unit: 1
        price: '1.99'
        currency: BRL
references:
  - name: Mercado Pago — Custos de Vender (BR)
    url: https://www.mercadopago.com.br/custos-de-vender
  - name: Mercado Pago — Costos (AR)
    url: https://www.mercadopago.com.ar/costs-section
  - name: Mercado Pago Developer Portal
    url: https://www.mercadopago.com.br/developers/en
notes:
  - API surface itself is free; charges are applied per processed transaction.
  - Rates above are headline scaffold values for Brazil; specific merchant contracts vary.
  - Argentina, Mexico, Chile, Colombia, Peru, Uruguay each publish their own rate cards.
  - High-volume merchants negotiate bespoke pricing through Mercado Pago Sales.