What is parcelado sem juros?
It lets credit card holders split a purchase into monthly installments with no interest, while the merchant bears the cost. Brazilians split R$ 381.9 billion of card purchases into 2 to 12 installments in the first quarter of 2026, so a checkout without installments loses sales.
In detail
It lets credit card holders split a purchase into monthly installments with no interest, while the merchant bears the cost. Brazilians split R$ 381.9 billion of card purchases into 2 to 12 installments in the first quarter of 2026, so a checkout without installments loses sales.
Payment by card in Brazil
Brazil is a credit card country. Abecs counted 48.1 billion card transactions worth R$ 4.5 trillion in 2025. Credit cards grew 14.5% to R$ 3.1 trillion, debit cards were flat at R$ 1 trillion, and prepaid cards rose 4.4% to R$ 397 billion. Debit lost ground to Pix, while credit kept growing because it carries installments, known as parcelado.
Payment by installment and BNPL in Brazil
Brazil invented its own form of buy now, pay later decades ago: parcelado sem juros. Credit card holders split a purchase into monthly installment payments, often with no interest, and the merchant receives the money over time or sells its receivables to the acquirer. Abecs data for the first quarter of 2026 show R$ 243.6 billion in purchases split into 2 to 6 installments and R$ 138.3 billion into 7 to 12, with the longer plans growing faster.
More detail in our #PayWorldTour guide Payment methods in Brazil.