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Mercado Crédito

Mercado Crédito

LATAM Marketplace Lending & BNPL

VS

Alipay

Chinese Consumers

Alipay
Fees from
Custom vs Custom
Features

1 shared

1 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

2 shared

2 unique to Mercado Crédito · 5 unique to Alipay
On region

Alipay covers 8 regions; Mercado Crédito covers 1. Verify directly with each provider before signing.

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2 features · 9 payment methods · 8 regions. We don't rank these — they're here for reference.
Mercado Crédito Mercado Crédito
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
Next business day
Founded
2016
2004
Headquarters
Buenos Aires, Argentina
Hangzhou, China
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Alipay leads (2 vs 1)
Enterprise
✓
✓
Instant Payout Unique
—
✓
Payment Methods
Alipay leads (7 vs 4)
Alipay Unique
—
✓
Bank Transfer Unique
✓
—
Digital Wallet Unique
—
✓
Jcb Unique
—
✓
Mastercard
✓
✓
Pix Unique
✓
—
Qr Code Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Regions
Alipay leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Mercado Crédito is best when you...

LATAM Marketplace Lending & BNPL
View Mercado Crédito

Alipay is best when you...

Chinese Consumers
Need Instant Payout
Not available with Mercado Crédito
Want coverage in Africa, Asia, Europe, Middle East, North America, Oceania, Southeast Asia
Mercado Crédito doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Mercado Crédito and Alipay?
They share 2 payment methods and 1 region. Mercado Crédito adds Bank Transfer, PIX that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 2 more that Mercado Crédito does not list; Alipay also covers Africa, Asia and 5 more; only Alipay offers Instant Payout.
Which is cheaper, Mercado Crédito or Alipay?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Mercado Crédito and Alipay?
Mercado Crédito lists 1 region and 4 payment methods; Alipay lists 8 and 7. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Mercado Crédito and Alipay compare on integration and settlement?
Alipay offers a sandbox, Mercado Crédito does not list one; both support webhooks; Alipay publishes a settlement time of Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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