Mercado Pago: cuenta digital: digital finance app
Mercado Pago: cuenta digital is a finance app by Mercado Libre that provides a digital account for payments, transfers, and credit.
Mercado Pago: cuenta digital is a free finance tool for individuals and sellers, with QR payments, transfers, bill payments, a free card, and a line of credit. It runs on Android 6.0 and newer, holds a 4.83 rating from roughly 14.8 million reviews, and has over 100 million installs. Ads are present; in-app purchases are not.
Screen gallery
Mercado Pago: cuenta digital is a Finance app by Mercado Libre that provides a digital account for paying, transferring, sending money, and managing credit from a phone. It combines a virtual wallet with payment tools aimed at everyday users and small businesses.
The app lets you pay bills and services, top up mobile phones, transfer money to any bank or recipient, and receive online payments. You can request a free virtual or physical card with no annual or issuance fees, pay with QR codes or payment links, and spread purchases over up to 12 fixed monthly installments with Mercado Crédito. Users can also activate Daily Earnings to generate returns on their account balance. The app has been available since 2014, is updated regularly, and currently carries a high user rating.
For sellers, the app accepts card payments without fixed fees, supports QR and payment-link collections through WhatsApp and social media, and offers the Point card reader for in-person sales. The current version is 2.457.2, requires Android 6.0 or later, and is free with ads.
Key features
- QR code payments and payment links for bills, services, and transfers
- Free virtual or physical card with no annual or issuance fees
- Line of credit (Mercado Crédito) for bills, phone top-ups, and purchases on Mercado Libre
- Pay in up to 12 fixed monthly installments without using a credit card
- Daily Earnings on your account balance, activated from the app
- Cash withdrawals with your card at supermarkets and ATMs
- Seller tools: Point card reader, QR collections, and payment links via WhatsApp and social media
- Phone top-ups and bill payments managed from one place
- Mercado Puntos benefits such as discounts, free shipping, and easy returns
How to install
- Tap the download button on this page to get the APK file (the file size is not listed).
- When Android asks, allow your browser or file manager to install apps by enabling the Install unknown apps setting.
- Open the downloaded APK file from your notifications or Downloads folder.
- Tap Install and confirm any permission prompts that appear.
- Wait for the installation to finish, then open Mercado Pago: cuenta digital.
- The app requires Android 6.0 or newer; this download installs version 2.457.2.
Pros
- Free to download with no in-app purchases
- Free virtual or physical card with no annual or issuance fees
- Flexible payment options: QR codes, links, credit, debit, prepaid cards, and cash
- Handy tools for sellers, including the Point reader and payment links
- Very widely used with a strong user rating
- Daily Earnings feature to generate returns on your balance
Cons
- Contains ads
- Requests many permissions, including identity, contacts, location, camera, microphone, and storage
- The Point card reader is available only in the Mexico City Metropolitan Area
Version history
| Version | Size | Requires Android | Updated |
|---|---|---|---|
| 2.457.2 | — | 6.0 | Oct 13, 2026 |
It is for people who want a single app to pay bills, transfer money, get a card, and manage credit, as well as small sellers who want to accept payments with QR codes, payment links, or a card reader.
Activate Daily Earnings from within the app if you want returns on your balance, and request your free virtual card right away so you can shop online while the physical card is delivered. Check Mercado Puntos for discounts on future purchases.
Permissions
FAQ
What card options does the Mercado Pago digital account offer?
The app lets you request a free virtual card for online and in-store shopping, and you can also order a physical card through the app. According to the app description, neither card carries annual or issuance fees, and the physical card is shipped to your home for free.
How can I get cash from my Mercado Pago account?
You can withdraw cash using your card at supermarkets and ATMs nationwide, as described in the app. This is in addition to using your account balance for transfers and payments.
What is Mercado Crédito and how does it work with this app?
Mercado Crédito is a line of credit you can request through the app. It lets you pay bills, top up your phone, shop on Mercado Libre, and make purchases in up to 12 fixed monthly installments without using a credit card. For businesses, a loan can be applied for 100% online with no paperwork, and the money is deposited instantly into your digital account.
Can I use Mercado Pago to receive payments for a business?
Yes. The app supports receiving payments via QR codes, payment links shared through social media or websites, and the Point card reader. You can accept card payments without fixed fees and also let customers transfer money directly to your digital account.
Does the account generate earnings on the balance?
Yes, the app mentions Daily Earnings, which you can activate through the app to generate earnings on your account. The exact rate or terms are not specified in the app description.
Mercado Pago: cuenta digital is a practical all-in-one finance tool for payments, transfers, card management, and small-business collections. With its free card, flexible credit options, and wide range of payment methods, it is a solid choice for users who want to handle money mostly from their phone.
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Updated: Nov 3, 2026