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ExpressPay vs Mercado Pago
ExpressPay and Mercado Pago are both payment receiving platforms. On a $1,000 payment you keep about $975–$985 on ExpressPay and $940–$995 on Mercado Pago, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $975–$985 on ExpressPay and $940–$995 on Mercado Pago, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only ExpressPay offers Mobile money. Only Mercado Pago offers Debit card.
- Mercado Pago is the older platform — founded in 2003, 9 years before ExpressPay (2012).
- ExpressPay is based in Ghana, Mercado Pago in Argentina.
Which should you choose?
Choose ExpressPay if…
- Keeping more of each payment matters most — its fee is lower.
- You want to withdraw via Mobile money.
Choose Mercado Pago if…
- You want to withdraw via Debit card.
- You prefer a long track record (since 2003).
Side by side
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ExpressPay
Collect payments via cards and all mobile-money networks.
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Mercado Pago
Latin America biggest payments app - anyone can receive via QR codes, payment links, and card readers, with or…
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | Yes |
| Fees | Transfer fees capped ~GHS 10, merchant 1.5-2.5% | Free P2P, ~0.5-6% merchant receiving fees |
| Withdraw via | Mobile money, bank transfer | Bank transfer, Debit card |
| Availability | Ghana | Argentina, Brazil, Mexico, Chile, Colombia, Peru, Uruguay |
| Local to | Ghana | Argentina, Brazil, Mexico, Chile, Colombia, Peru, Uruguay |
| Founded | 2012 | 2003 |
| Headquarters | Accra, Ghana | Buenos Aires, Argentina |
| Popularity | 43 views · 0 likes | 55 views · 0 likes |
Frequently asked questions
Which is cheaper, ExpressPay or Mercado Pago?
On a $1,000 payment you keep about $975–$985 on ExpressPay and $940–$995 on Mercado Pago, before withdrawal or currency-conversion costs.
Where are ExpressPay and Mercado Pago available?
ExpressPay: Ghana. Mercado Pago: Argentina, Brazil, Mexico, Chile, Colombia, Peru, Uruguay.