MELI Effect

MELIEffect

A regional story, told country by country

The MELI Effect moves across Latin America in different ways. Choose a country to see how it plays out in each market.

FINANCIAL INCLUSION

From a payment tool to aplatform to managefinances and grow

85%

of the businesses that use Mercado Pago have it as their main tool for taking payments

Behind every sale there is a payment. For many businesses, that movement is also a way to organize their finances, earn returns, invest and plan payments.

Mercado Pago can offer financing to businesses that usually face more difficulties.

In 2025, more than 950,000 businesses and entrepreneurs used Mercado Pago to receive their payments. For 85% of them, it is already their main tool for taking payments.

Behind every sale there is a payment. For many businesses, that movement is also a way to organize their finances, earn returns, invest and plan payments.

And the record those payments leave behind opens other doors too. Based on that activity, Mercado Pago can offer financing to businesses that usually find it harder to access the traditional system.

+80%

of users and merchants reduced their handling of cash since using Mercado Pago

7,6M

7.6 million productive loans granted; 79% went to entrepreneurs or small companies with up to 5 employees

+121K

More than 121,000 SMBs accessed a credit card thanks to Mercado Pago