What payment methods are available for purchasing on Hotmart?

One of the most popular and widely accepted payment methods. With it, buyers can make online payments quickly and securely, and can also use it as a payment method for subscription plans and Smart Installments.
To make a purchase using a credit card, it will be necessary to fill in some details, such as the card number, cardholder's name, expiration date, and CVV. If you have doubts about filling in the data, we recommend consulting this article.
Important: in some countries, purchases can be split into installments using your credit card. In these cases, Hotmart charges the full amount once, and your bank handles the installment plan by reserving your credit limit. After the purchase, you can’t cancel the installments directly with your card provider. If you request a refund within the guarantee period, how the refund and installments are processed depends on your bank. We recommend checking with them for details.

Available in some countries in Latin America, North America, and Europe, the debit card is a practical option for those who prefer to deduct the purchase amount directly from their bank account.
To make a purchase using a debit card, it will be necessary to fill in some details, such as the card number, cardholder's name, expiration date, and CVV.

PayPal is a digital payment platform that allows users to perform online transactions securely, using a variety of methods, including PayPal balance, credit, and debit cards. It is another method widely used in subscription plans and Smart Installments. However, it is important to keep the card updated on the PayPal platform so that recurrences are correctly debited.
When choosing to pay with PayPal, the buyer will be redirected to the platform page, where they will need to log in and make the payment.

Available for transactions on our platform in most parts of the world, Google Pay is a digital wallet that allows users to make payments with their Android devices.
When choosing to pay with Google Pay, the buyer will be redirected to the platform page, where they will need to log in and make the payment.

Our platform also makes it possible to make a purchase using two credit cards. The option to buy with two cards is a solution for situations where the buyer prefers not to use the entire limit available on just one card, distributing the cost more flexibly between two payment sources.
When choosing to pay with two cards, the buyer must enter the amount to be deducted from each card on the payment page. Then fill in the details for each card and finalize the purchase.
With this method, only one invoice will be generated for the purchase. The amounts debited from each card will only be available for consultation on each card's statement.

Klarna is a payment method that offers more flexibility for buyers and is currently available only for products using the standard online checkout. When selecting this option on the payment page, the buyer is redirected to Klarna’s secure environment, where they can choose from the options available based on their country.

There are currently two Klarna payment options: Pay Over Time and PayLater. With Pay Over Time, the buyer can split the amount into up to 3 installments, or up to 4 installments (this last option is only available in the US). Long-term financing is also available, with interest rates starting at 7.99% per year. The Pay Later option allows the buyer to pay the full amount 30 days after the purchase. Please note that the availability of each option may vary by country.

When a buyer chooses Klarna at checkout, they’re redirected to Klarna’s secure interface. There, they enter personal information, confirm their identity, and choose their preferred payment option — whether to pay later, split into a few installments, or finance over a longer period. Approval is instant, and the sale is completed right away.

Disclaimer for UK Customers: Please note that Klarna's Pay in 3 and Pay in 30 Days options are considered unregulated credit agreements. It is important to borrow responsibly; spending more than you can afford or making late payments may adversely affect your financial wellbeing and your ability to secure credit in the future. Available to UK residents aged 18 and over, subject to eligibility. Terms and conditions apply, including potential late fees.

Part of the Mercado Libre ecosystem, Mercado Pago is a digital wallet offering a platform for online payments, allowing users to load funds, make and receive payments.
When choosing to pay with Mercado Pago, the buyer will be redirected to the platform page, where they must log in and complete the payment.
Important: For purchases in Argentina made via Mercado Pago or other payment methods, local taxes are collected directly by the chosen payment method, independently of Hotmart. Click here for further details.

OXXO is a payment method in Mexico and functions like a bank slip. Upon confirming the purchase on the payment page, a bank slip will be generated for the buyer to pay at any OXXO store.
However, be aware: there is an expiration period for making the payment. Therefore, it's important to check the expiration date printed on the bank slip to prevent it from expiring.

PSPEI enables money transfers between different banks in Mexico. It's widely used for online payments and direct bank transfers.
When choosing to pay with SPEI, a payment code will be generated after the purchase confirmation. Completing the payment grants the buyer access to the product.

With the hybrid payment option between a credit card and OXXO, the buyer decides how much to split between the two payment methods. This option suits those who prefer to split expenses, paying a part with credit and the other in cash with a bank slip.
When choosing for the hybrid model, the buyer will indicate the amounts they prefer to pay with each method. After filling in the card details, they must finalize the purchase for the bank slip to be generated. Completing the full payment before the bank slip's expiration is crucial for the purchase to be validated.

PSE is a platform that allows Colombians to make online payments directly from their bank accounts, facilitating transactions without credit cards.
When selecting this method, the buyer chooses their preferred bank and is redirected to the PSE website to make the payment.

Efecty is a payment method in Colombia and functions like a bank slip. Upon confirming the purchase on the payment page, a bank slip will be generated for the buyer to pay at any of the service points spread across the country.
However, be aware: there is an expiration period for making the payment. Therefore, it's important to check the expiration date printed on the bank slip to prevent it from expiring.

Nequi is a digital bank in Colombia offering a mobile payment account for transfers, payments, and receiving money, using just an app.
When choosing to pay with Nequi, the buyer must provide their phone number, then will be directed to a page with a QR code for making the payment.

Bancolombia is a payment method in Colombia offering various digital payment options and banking services, making online transactions easier for its customers.
When choosing to pay with Bancolombia, the buyer will select their bank and confirm the purchase. Afterward, they'll be redirected to the platform page, where they must log in and complete the payment.

With the hybrid payment option between a credit card and Efecty, the buyer decides how much to split between the two payment methods. This option suits those who prefer to divide expenses, paying a part with credit and the other in cash with a bank slip.
When choosing for the hybrid model, the buyer will indicate the amounts they prefer to pay with each method. After filling in the card details, they must finalize the purchase for the bank slip to be generated. Completing the full payment before the bank slip's expiration is crucial for the purchase to be validated.

PagoEfectivo is a payment method used in Peru that allows users to pay for online purchases in cash, generating a CIP code that can be paid at various points of sale across the country.
However, be aware: there is an expiration period for making the payment. Therefore, it's important to check the expiration date printed on the bank slip to prevent it from expiring.

Yape is a payment method used in Peru that allows transfers, payments, and receiving money through a mobile app. When choosing to pay with Yape, the buyer must enter their phone number on the payment page and inform the authorization code generated within the Yape app.

Sencillito is a payment method in Chile and functions like a bank slip. On the payment page, the buyer will access a code used to make the payment at a bank branch or via internet banking.
However, be aware: there is an expiration period for making the payment. Therefore, it's important to check the expiration date printed on the bank slip to prevent it from expiring.

Servipag is a Chilean payment system offering payment services at physical points in various forms, including account debit, credit card, or cash.
When choosing to pay with Servipag, the buyer will be redirected to the platform page, where they must log in and complete the payment.

MACH is a digital wallet used in Chile that allows online payments and money transfers between users, without the need for a bank account, using just an app.
When choosing to pay with MACH, a QR code will be automatically generated for the payment to be made.

Pix is an instant payment method from Brazil that allows for quick and secure money transfers and payments at any time. When choosing to pay via Pix, the buyer can opt to pay through a QR code or a Pix copy-and-paste code. It's very important to complete the process fully for the purchase to be validated.

Hotmart Installments is an exclusive Hotmart payment method that allows buyers to split their purchase into up to 12 installments using a credit card (without affecting their total credit limit), PIX, or boleto.

When choosing to pay with Hotmart Installments, the buyer must select their preferred payment method (credit card, PIX, or boleto), choose the number of installments, and fill in the required information. Once the purchase is approved, the buyer gains access to the product.

In case of any questions during the purchase process, please refer to our article How to buy a product on Hotmart using Hotmart Installments? (available only in Portuguese).

Note: This payment method is in beta phase and available only for selected creators.

The boleto bancário is a widely used payment method in Brazil, allowing transactions without the need for a bank account. It works as a bank slip that can be paid at banks, and even online, up until the established due date. However, be aware: there is an expiration period for making the payment. Therefore, it's important to check the due date printed on the boleto to prevent it from expiring.

Boleto Parcelado, or Parcelex, is a payment method that allows consumers to split their online purchases into several installments without the need for a credit card. It works as a flexible credit alternative, letting the buyer choose the number of installments that best fits their budget. When choosing to pay with Parcelex, the buyer will need to fill out a form with personal details and request a credit check. If approved, the buyer can select an upfront payment amount and the number of installments they wish to pay for the product. Finally, they will be redirected to the Parcelex platform, where they must make the upfront payment (if any) and submit their documents. Completing the process fully is crucial for the purchase to be validated. 

NuPay is a payment method available in Brazil for online purchases, exclusively for Nubank customers.

When the buyer selects NuPay as the payment method, they are redirected to the Nubank app, where they can view the purchase summary and confirm the payment using biometrics or a password.

After confirmation, the payment is processed in just a few seconds, and the buyer is automatically redirected to the purchase confirmation page.

Important: NuPay is available only on the mobile version of the checkout page.

Apple Pay is a digital payment method that lets buyers complete online purchases quickly and securely, without entering their card details.

When the buyer selects Apple Pay as the payment method, they can view the purchase summary and confirm the payment directly on their Apple device using Face ID, Touch ID, or a password.

After confirmation, the payment is processed in just a few seconds, and the buyer is redirected to the purchase confirmation page.

Important: Apple Pay is available only on compatible Apple devices and supported browsers, such as Safari.

With the hybrid payment option between a credit card and Pix, the buyer decides how much to allocate to each of the two payment methods. This is an option for those who prefer to split expenses, paying part with credit and the other part through instant transfer. When choosing to pay with the hybrid model, the buyer will inform the amounts they prefer to pay with each method. After filling in the card details, they must finalize the purchase so that the QR code and Pix code are generated. Completing the full payment before the Pix code's expiration is crucial for the purchase to be validated.

Automatic or Recurring Pix is a payment method that allows for the creation of recurring payments using the instant flow of Pix.
After the initial approval, subsequent payments will be scheduled and made automatically on the established due date, similar to automatic transfers.