Pay a Mercado Pago Merchant QR in Argentina
Scan the merchant's supported QR, review the ARS amount and locked rate, and confirm from your Peanut balance.
Use Peanut to pay a supported Mercado Pago merchant QR in Argentina from your digital-dollar balance. This guide follows an in-store merchant payment from scan through the final result.
Mercado Pago's merchant QR model connects an order at a shop's checkout with payment in Argentine pesos. Peanut gives you a scan-and-pay path for supported merchant QRs and shows the information you need before money moves.
How to Pay a Mercado Pago Merchant QR
- 1
Prepare your Peanut balance
Verify your Peanut account and make sure the available balance covers the purchase. Check your personal transaction limit in the app before a large payment.
- 2
Open Pay and scan the merchant QR
At checkout, open Peanut, tap Pay, and point the scanner at the merchant's Mercado Pago QR. MODO and Cuenta DNI QR codes are not supported.
- 3
Review the payment details
Compare the merchant name and amount in ARS with the till or bill. Peanut also shows the amount from your digital-dollar balance and one all-in exchange rate.
- 4
Confirm the locked quote
Confirm only when the merchant and amount are correct. The displayed exchange rate locks when you confirm, so the quoted digital-dollar amount is the amount used for that payment.
- 5
Check both confirmations
Peanut shows the payment result, while the merchant receives ARS through its normal Mercado Pago merchant flow. Wait for the merchant to confirm receipt before leaving the checkout.
What to Check Before Paying
Start with the payment network. The QR must be a supported Mercado Pago merchant QR; a QR from MODO, Cuenta DNI, a personal transfer request, or another network is outside this flow. If Peanut cannot recognize the QR, do not try to turn the merchant payment into a transfer to an alias or account number. Ask the merchant for its Mercado Pago checkout QR or use another payment method.
Next, compare the details shown in Peanut with the checkout. The merchant name should make sense for the shop, and the ARS amount should match the amount due. Never confirm an unexpected merchant or value.
Your Peanut account must be verified and funded. Identity verification accepts a valid passport, national identity card, or residence permit from any country, plus a selfie. Most automated checks finish in under two minutes; manual review may take several business days. The document verifies Peanut, not a Mercado Pago wallet. For account-registration and DNI questions, read Mercado Pago without DNI: account versus QR payment.
Rate and Payment Limits
Peanut shows one all-in exchange rate, the ARS purchase amount, and the corresponding amount from your digital-dollar balance before confirmation. The quote locks when you confirm. There is no separate flat fee for the QR payment. The rate itself is the final number to compare, so this guide does not break it into hidden mechanics or promise a fixed advantage.
Two limits serve different verification situations. A user paying a foreign QR without local verification has a USD 2,000 per-transaction limit. A locally verified LATAM user has a USD 2,000 monthly combined limit across deposits, withdrawals, and QR payments. Your app shows the limit that applies to your account. If a purchase exceeds it, choose another payment method or contact support; do not split the purchase to avoid a limit.
If a Payment Fails
Read the result in Peanut before retrying. If scanning fails, confirm that the code is a Mercado Pago merchant QR, clean the camera lens, improve the lighting, and let Peanut use the camera. The QR troubleshooting guide covers recognition and payment-status errors.
A failed or stuck payment is automatically returned to your Peanut balance. If that return does not arrive, contact support with the time, amount, merchant, and screenshot of the result. Do not immediately submit the same payment again while the first result is unclear, because two successful confirmations can create two completed payments.
A completed payment is final in Peanut. Check the merchant name and amount before confirming, and wait for the merchant's confirmation afterward. If you need compensation after a completed purchase, resolve it directly with the merchant; Peanut does not reverse the completed QR payment.
Payment Scope
The QR flow settles a purchase to a merchant in ARS. It does not create a Mercado Pago wallet for you and is not a person-to-person transfer or an arbitrary alias or CVU payment. Receiving is separate, and withdrawal to your own Mercado Pago account requires Argentine verification; both are outside this guide, and the QR never becomes a third-party account transfer.
FAQ
Which Mercado Pago QR codes can I pay with Peanut?+
Use a supported Mercado Pago merchant QR shown at checkout. MODO and Cuenta DNI are not supported, and this flow does not cover personal transfer requests, aliases, CVUs, or arbitrary account payments.
Do I need a Mercado Pago account or DNI for this QR payment?+
This flow does not use a Mercado Pago wallet, but your Peanut account must be verified. Peanut accepts a valid passport, national ID, or residence permit from any country. See the account and DNI answer for the important distinction.
What rate and limit will I get?+
Peanut shows one all-in exchange rate and locks it when you confirm. The app also shows your applicable limit: the foreign-QR rule is USD 2,000 per transaction without local verification, while locally verified LATAM users have a USD 2,000 monthly combined limit.
What happens if the payment fails or stays pending?+
Failed or stuck payments are automatically returned. If the amount does not return, contact support before retrying. Completed payments are final, so always check the merchant, ARS amount, and result.
