Mercado Pago: cuenta digital for Android

Mercado Pago: cuenta digital is a finance app from Mercado Libre for managing money, paying bills, and making transfers from your phone.

Developer: Mercado Libre★ 4.83 (14,848,716)Version 2.457.2Updated: Oct 13, 2026

Download Mercado Pago · v2.457.2

Mercado Pago: cuenta digital is for individuals and businesses in Mexico who want a digital wallet to pay, collect, and manage finances without a traditional bank account. It offers a free virtual card with no annual fee, a line of credit, and daily earnings on your balance.

Screenshots

Screenshot of the Mercado Pago: cuenta digital home screen showing account balance and daily earnings option.

Screenshot of the Mercado Pago: cuenta digital QR code payment screen for making purchases.

Screenshot of the Mercado Pago: cuenta digital virtual card details and card management options.

Screenshot of the Mercado Pago: cuenta digital bill payment and phone top-up section.

Screenshot of the Mercado Pago: cuenta digital Mercado Crédito loan application interface.

Screenshot of the Mercado Pago: cuenta digital Point card reader setup for business payments.

Version: 2.457.2
Requires Android: 6.0
Updated: Oct 13, 2026
Installs: 100M+
Rating: ★ 4.83 (14,848,716)
Category: Finance
Developer: Mercado Libre
Content rating: Everyone
Package: com.mercadopago.wallet
Free: ✓ · Contains ads

Mercado Pago: cuenta digital is a finance application by Mercado Libre that provides a digital account for managing money, making payments, and accessing credit. It combines everyday banking functions with payment tools for both personal and business use. Users can keep funds in the account, transfer money, and complete transactions using a phone instead of visiting a bank branch.

Key features

Digital account for paying bills, topping up mobile phones, and making transfers to banks or other recipients.
QR code and payment link support for quick in-person and online transactions.
Free virtual card and optional physical card with no annual or issuance fees.
Mercado Crédito line of credit with installment options up to 12 fixed payments without a credit card.
Daily Earnings option that can be activated from the app.
Mercado Puntos benefits such as discounts, free shipping, and easier returns.
Business tools including Point card reader payments, payment links, and loan access for sellers.

How to install

Tap the download button on this page.
If Android prompts you, allow your browser or file manager to install apps by enabling the Install unknown apps setting.
Open the downloaded APK file.
Tap Install and wait for the process to finish.
Open the app and start setting up your digital account.
The package size is not specified, and the app requires Android 6.0 or newer.

Download Mercado Pago · v2.457.2

Pros

Free card options with no annual or issuance fees.
Multiple payment methods, including QR codes, payment links, and card readers.
Mercado Crédito offers installment plans and credit lines without requiring a credit card.
Daily Earnings feature can generate returns on the account balance.
Very high average rating and a large existing user base.

Cons

Contains advertisements.
Requests access to contacts, location, camera, microphone, and storage, which may feel intrusive to privacy-conscious users.
The Point card reader is available only in the Mexico City Metropolitan Area.
Feature availability can vary by region.

Older versions

Version	Size	Requires Android	Updated
2.457.2	—	6.0	Oct 13, 2026

It suits individuals who want a single app for bill payments, transfers, and QR purchases, as well as small business owners who need to receive payments through links or the Point card reader. It is also useful for Mercado Libre shoppers who want integrated credit options.

Activate the Daily Earnings option from the app if you keep a regular balance, since it can generate returns without requiring extra transfers or paperwork.

Permissions

IdentityContactsLocationPhotos/Media/FilesStorageCameraMicrophoneWi-Fi connection information

FAQ

What does the free card offered by Mercado Pago include?

The app provides a free virtual card with no annual fee for online and in-store purchases. If you want a physical card, you can request it through the app and it will be shipped to your home for free. You can also use the card to withdraw cash at supermarkets and ATMs nationwide.

How can I earn daily earnings on my account balance?

You can activate Daily Earnings through the app, which generates earnings on your account balance. This feature is simple to enable and works with funds you have in your Mercado Pago account.

Can I pay for purchases in installments without a credit card?

Yes, with Mercado Crédito you can make online purchases and pay in up to 12 fixed monthly installments without using a credit card. This option is available directly within the app.

What payment methods can I use to add funds to my account?

You can add funds using a debit card, account balance, cash via transfer, bank deposit, or by requesting a line of credit. You can also cash in at stores, giving you multiple ways to top up your digital account.

How can I receive payments as a seller with Mercado Pago?

You can collect payments via QR codes, payment links shared through social media or websites, or with the Point card reader. You can also accept card payments without fixed fees and allow customers to transfer money directly to your digital account.

Mercado Pago delivers a broad range of financial services in one digital account, from QR payments and bill management to credit lines and business tools. The inclusion of ads and a fairly long list of permissions may be drawbacks for some, but the high rating and large install base suggest the app remains a practical everyday option for handling money on a phone.