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Safe Paid Market? See how the digital wallet works | E-commerce

Mercado Pago is the Mercado Livre digital wallet, a service that can be used both to pay for products purchased on the site, and to make purchases at other commercial establishments, in addition to paying slips, recharging cell phones, and even placing credits on gift cards. -transport. Sellers can configure Mercado Pago to receive payments, whether for product purchases, physical or digital, or for stand-alone services. For this, the company already has its own little machine. Below, see how Mercado Pago works, if safe and what are the main functions available. It is worth mentioning that several of the tools reported here can be used in the web version and in the application that is available for Android and iPhone phones (iOS).

During Black Friday 2019, the app also has partnerships with stores like Burger King, allowing the purchase of six snacks for R $ 15, McDonald's, with discount coupons and sandwiches for R $ 4.90, Cinemark, with a discount on payment at physical ticket offices, among other establishments. On the eve of the event, the app became the most downloaded on the App Store and Google Play Store, in front of popular programs like WhatsApp and Instagram, for example.

Fake McDonald's coupon used to record PC screen and steal data

Mercado Pago has its own vending machine for shopkeepers and freelancers Foto: Divulgao / Mercado PagoMercado Pago has its own vending machine for shopkeepers and freelancers Foto: Divulgao / Mercado Pago

Mercado Pago has its own vending machine for shopkeepers and freelancers Foto: Divulgao / Mercado Pago

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For the final consumer, the most important tool is online payment, which can be used both to buy any item on the Free Market, and in other Brazilian e-commerce stores. When entering the page of a product in ML, Mercado Pago is highlighted as the main form of payment, and is indicated by the service as the most secure.

Consumers can buy any product with Mercado Pago Photo: Reproduo / Pedro CardosoConsumers can buy any product with Mercado Pago Photo: Reproduo / Pedro Cardoso

Consumers can buy any product with Mercado Pago Photo: Reproduo / Pedro Cardoso

From this point, the consumer can make the purchase using the credits obtained in a previous sale or adding money to his digital wallet. However, if there is no value available, the system will make the payment on the customer's credit card, thus serving as a bridge between the two payment services, speeding up the process in the same way.

In other online stores, Mercado Pago is just another form of payment available, and the option should appear only after the user has gone through the "shopping cart" and completed the purchase. In this step, it will be necessary to enter the service login and password to validate the transfer of values.

Regarding the security of this process, the Mercado Pago help page ensures that the procedure is carried out under the data encryption method called "Transport Layer Security" (TLS), which promises to protect the buyer's information on the way between the PC (or cell phone) to the servers, so that no vendor or service has access.

Request or send money

When an independent professional sells a product or performs a service, he can also collect payment by requesting credit from his digital wallet. At the other end, the consumer can also make a payment by transferring the amount due directly from his account to the other.

The way to send or ask for money practically the same Photo: Reproduo / Pedro CardosoThe way to send or ask for money practically the same Photo: Reproduo / Pedro Cardoso

The way to send or ask for money practically the same Photo: Reproduo / Pedro Cardoso

To perform this procedure, regardless of whether you are sending or requesting payment, the configuration is the same, as it is necessary to put the other person's email, the amount of the transaction and the reason, as indicated in the image above. In theory, the process should respect the same safety standards reported in the previous topic.

Any user who has the Mercado Pago digital wallet, and amounts in their account, can recharge the cell phone of the various operators indicated in the image below. First, tell the system which cell phone number should receive the credit. Then, which is the operator and the value, which can be among some already determined or another chosen by the user, respecting the rules of each operator.

There are eight operators available for recharge in Mercado Pago Photo: Reproduo / Pedro CardosoThere are eight operators available for recharge in Mercado Pago Photo: Reproduo / Pedro Cardoso

There are eight operators available for recharge in Mercado Pago Photo: Reproduo / Pedro Cardoso

In the end, the money will be debited from the digital wallet and added automatically as credit to the cell phone, as if it were done in any similar service. The Mercado Pago help page ensures that the service has no additional cost to the user. Note that, in this case, I need to have credit in the digital wallet to perform the procedure.

Method is only available in the city of So Paulo Photo: Reproduo / Pedro CardosoMethod is only available in the city of So Paulo Photo: Reproduo / Pedro Cardoso

Method is only available in the city of So Paulo Photo: Reproduo / Pedro Cardoso

Only in So Paulo, the Mercado Pago can be used to recharge the single ticket for public transport. The process performed only in the mobile app. After making the payment through the digital wallet, the user must look for a service terminal at train, metro or bus stations to validate his recharge.

With the application for Android and iPhone (iOS), the user can use his credits in Mercado Pago to pay any type of ticket, as long as he has a bar code. This can be done by entering the invoice digits, or by scanning with the smartphone camera.

  It is possible to pay any boleto with bar codes Photo: Reproduo / Pedro Cardoso  It is possible to pay any boleto with bar codes Photo: Reproduo / Pedro Cardoso

It is possible to pay any boleto with bar codes Photo: Reproduo / Pedro Cardoso

As with refills, I need to have credited to your account before starting the process. If the bill is not sufficient, the bill will not be paid. From this point on, the validation of the payment follows the normal process, and respect the normal confirmation time of the financial institution that issued the ticket.

Finally, also only on mobile phones, it is possible to buy online credit for games and streaming using the credits of the digital wallet. Among the accepted services are Google Play, to buy movies, games and apps, Blizzard, video games, Spotify, Uber and others.

There are several digital services available in Mercado Pago Foto: Reproduo / Pedro CardosoThere are several digital services available in Mercado Pago Foto: Reproduo / Pedro Cardoso

There are several digital services available in Mercado Pago Foto: Reproduo / Pedro Cardoso

In the Mercado Pago app, users simply choose one of these services, select the amount, and follow the on-screen instructions to transfer the required amount. Again, the process will only be carried out if the digital wallet has enough money to do so.

Each company determines its values. Blizzard, for example, establishes only options with R $ 50 or R $ 100, while Google Play, in addition to these options, also includes the value of R $ 30. Xbox, for example, has a separate credit sale for each service, such as Xbox Game Pass, Xbox Live Gold or Minecraft, each with different values.

Paid Market Machine

For retailers and freelancers, Mercado Pago also has its own payment machine, available in three different versions: Point Pro, Point Mini and Point Mini Chip, each with its own features and resources.

Mercado Pago has its own little machine Photo: Reproduo / Pedro CardosoMercado Pago has its own little machine Photo: Reproduo / Pedro Cardoso

Mercado Pago has its own little machine Photo: Reproduo / Pedro Cardoso

According to the official page, it is not necessary to have a bank account to use the device, since the credit is made directly in the digital wallet. The machine has no rental or membership fee and payment in debit is available at the time of the seller's account.

How to put credit on mobile with free app

How to put credit on mobile with free app

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