Mercado Pago: cuenta digital: Finance App
Mercado Pago: cuenta digital is a finance app by Mercado Libre that provides a digital account for payments, transfers, cards and credit lines.
Get the app · v2.457.2Mercado Pago: cuenta digital is a free finance app by Mercado Libre, listed at no cost, with a rating of 4.83 from 14.8 million ratings and more than 100 million installs. It is designed for people who want to pay bills, top up phones, send transfers, receive payments and request a free virtual or physical card from a phone. The app requires Android 6.0 or later, has version 2.
- Version
- 2.457.2
- Requires Android
- 6.0
- Updated
- 13.10.2026
- Installs
- 100M+
- Rating
- ★ 4.83 (14 848 716)
- Category
- Finance
- Developer
- Mercado Libre
- Content rating
- Everyone
- Package
- com.mercadopago.wallet
- Free
- ✓ · Contains ads
Screenshots
Mercado Pago: cuenta digital is a finance application by Mercado Libre that provides a digital account for making payments, transfers, and managing money. The app functions as a virtual wallet, allowing users to pay bills, top up mobile phones, and send money to banks or other recipients. It also offers a free virtual card for online and in-store purchases, with an optional physical card shipped free of charge. Users can generate daily earnings on their account balance and access a line of credit for various transactions, including QR payments and purchases on Mercado Libre. The app is designed for individuals seeking a convenient way to handle everyday financial tasks and for small business owners who want to accept payments in person or online. With features like QR code payments, payment links, and the Point card reader, it supports both personal and commercial use. The application is available for Android 6.0 and higher, and it is free to download, though it contains ads. It requires access to several device features, including location, camera, and contacts, to enable functionalities such as QR scanning and payment processing.
Key features
- Free virtual card with no annual or issuance fees; physical card can be ordered and shipped free of charge
- Daily earnings on account balance, activatable through the app
- Pay bills and services, top up mobile phones, and make transfers to any bank or recipient
- QR code and payment link options for sending and receiving payments
- Multiple payment methods: account funds, credit, debit, prepaid cards, cash via transfer, bank deposit, or line of credit
- Mercado Crédito for installment payments in up to 12 fixed monthly installments without a credit card
- Mercado Puntos rewards: discounts on purchases, free shipping, easy returns
- Point card reader for in-person card payments without fixed fees
- Online loan application for business, with instant deposit into the digital account
- Telephone support for resolving payment, transfer, collection, card, and account issues
How to install
- Tap the download button on this page to get the APK file. The file size is not specified.
- When Android prompts, allow your browser or file manager to install apps by enabling the "Install unknown apps" setting.
- Open the downloaded APK file from your notification bar or file manager.
- Tap Install and wait for the installation to complete.
- Open the app from your app drawer or home screen. The minimum Android version required is 6.0.
Pros
- Free virtual card and free physical card delivery
- Daily earnings on account balance
- Flexible payment options including QR, payment links, and credit line
- Supports both personal finance and business payments
- No annual fees for cards
- Mercado Puntos rewards program
Cons
- Contains ads
- Requires access to many permissions, including identity, contacts, location, camera, and microphone
- Physical card and Point card reader may not be available in all regions (product availability limited to Mexico City Metropolitan Area)
Other Versions
| Version | Size | Requires Android | Updated |
|---|---|---|---|
| 2.457.2 | — | 6.0 | 13.10.2026 |
This app is for individuals in Mexico who want a digital wallet for everyday payments, bill management, and transfers, as well as small business owners seeking to accept payments online or in person via QR codes, payment links, or card readers.
To make the most of the app, activate daily earnings on your account balance and explore Mercado Crédito for installment payments. For business use, consider the Point card reader to accept card payments without fixed fees. Ensure your phone meets the Android 6.0 minimum requirement and review the requested permissions to understand what data the app accesses.
Permissions
Frequently Asked Questions
Is Mercado Pago free to download and use?
Yes, the app is free to download and use, with a price of 0.00 USD. It does contain ads, and there are no in-app purchases. The app offers a free card with no annual or issuance fees.
What Android version do I need to run this app?
The minimum required operating system is Android 6.0. Make sure your device runs that version or a newer one before installing.
Do I need to create an account to use Mercado Pago?
Yes, you need a Mercado Pago digital account to use the app's features. The account works like a virtual wallet, letting you make payments, transfers, and manage your finances from your phone.
What permissions does the app request?
The app requests access to Identity, Contacts, Location, Photos/Media/Files, Storage, Camera, Microphone, and Wi-Fi connection information. These permissions support features such as QR code payments, card ordering, and account management.
How do I update the app to the latest version?
To update, download the new version from this page and install it over your current copy. The latest version is 2.457.2, released on 2026-10-13.
Can I use the app for my business?
Yes, the app supports business use, including collecting payments with QR codes, payment links, or a Point card reader. You can also apply for a loan through Mercado Crédito to boost your business, subject to availability.
Mercado Pago: cuenta digital offers a comprehensive digital banking solution with a free card, daily earnings, and flexible payment methods. While it includes ads and requests extensive permissions, its features for both personal and business use make it a versatile choice for managing finances and payments in Mexico.
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Updated: 24.10.2026