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Whop

Whop

VS

MercadoPago

Latin American E-commerce

MercadoPago
Fees from
2.7% + $0.3 vs 2-4% (varies by country)
Features

0 shared

2 unique to MercadoPago
Regions

1 shared

9 unique to Whop
Pay methods

6 shared

34 unique to Whop · 4 unique to MercadoPago

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Show full specs
2 features · 44 payment methods · 10 regions. We don't rank these — they're here for reference.
Whop Whop
MercadoPago MercadoPago
Quick Facts
Fees
Standard transaction rate
2.7% + $0.3
2-4% (varies by country)
Settlement
Time to receive funds
3–5 business days
14–30 business days
Founded
—
2003
Headquarters
Brooklyn, NY
Buenos Aires, Argentina
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
MercadoPago leads (2 vs 0)
Instant Payout Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Whop leads (40 vs 10)
Ach Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay Unique
✓
—
Bacs Unique
✓
—
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Bnpl Unique
✓
—
Boleto Unique
—
✓
Cartes Bancaires Unique
✓
—
Cash Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Dankort Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Direct Debit Unique
✓
—
Discover Unique
✓
—
Elo
✓
✓
Google Pay Unique
✓
—
Hipercard
✓
✓
Ideal Unique
✓
—
Invoice Unique
✓
—
Jcb Unique
✓
—
Klarna Unique
✓
—
Mada Unique
✓
—
Maestro Unique
✓
—
Mastercard
✓
✓
Mir Unique
✓
—
Nfc Unique
✓
—
Oxxo Unique
—
✓
Payment Link Unique
✓
—
Paypal Unique
✓
—
Pix Unique
—
✓
Prepaid Card Unique
✓
—
Rupay Unique
✓
—
Sepa Unique
✓
—
Swift Unique
✓
—
Unionpay Unique
✓
—
Venmo Unique
✓
—
Verve Unique
✓
—
Virtual Card Unique
✓
—
Visa
✓
✓
Wire Transfer Unique
✓
—
Regions
Whop leads (10 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
Global Unique
✓
—
Latin America
✓
✓
Middle East Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—
South America Unique
✓
—
Southeast Asia Unique
✓
—

Whop is best when you...

Want coverage in Africa, Asia, Europe, Global, Middle East, North America, Oceania, South America, Southeast Asia
MercadoPago doesn't cover these regions
View Whop

MercadoPago is best when you...

Latin American E-commerce
Need Instant Payout
Not available with Whop
Need Startup Friendly
Not available with Whop
View MercadoPago

Frequently Asked Questions

What is the difference between Whop and MercadoPago?
They share 6 payment methods and 1 region. Whop adds ACH, Afterpay, Apple Pay and 31 more that MercadoPago does not list; MercadoPago adds Boleto, Cash, OXXO and 1 more that Whop does not list; Whop also covers Africa, Asia and 7 more; only MercadoPago offers Instant Payout, Startup Friendly.
Which is cheaper, Whop or MercadoPago?
Whop has published rates from 2.7% + $0.3; MercadoPago has published rates from 2-4% (varies by country). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Whop and MercadoPago?
Whop lists 10 regions and 40 payment methods; MercadoPago lists 1 and 10. both cover Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Whop and MercadoPago compare on integration and settlement?
both offer a sandbox; both support webhooks; Whop settles in 3–5 business days, MercadoPago in 14–30 business days.

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