Brazilian customers pay in reais. You get paid in dollars.
Connect our API, or send a payment link. Your Brazilian customer pays by Pix (Brazil’s instant payment system), by Brazilian card, or in up to 12 installments.
Aceita Pix?
“Do you take Pix?”
Parcela em 12x?
“Can I pay in 12 installments?”
With joia, the answer is yes.
Your Brazilian customers are already asking.
Three ways to pay. One way to get paid.
Pix
Brazil’s instant payment system. Your customer pays from their banking app, in reais, any day, any time.
Brazilian card
Your customer pays in reais with their own card, just as they do at home.
Up to 12 installments
It’s how Brazilians pay for big purchases. Subject to the card issuer’s approval.
Your customer pays in reais. You get paid in dollars.
You create the charge, and your customer sees the amount in reais. Your dollar payout follows the terms in your contract.
Euro payouts are coming soon.
“I’ll think about it” turns into “Deal.”
R$12,000 all at once is a tough sell. R$1,000 a month fits on a credit card bill. Offer the installments Brazilians already use at home, and close the sale before your customer walks away. They pay over time. You get paid upfront.
Fechado.
“Deal.”
You get paid upfront, in dollars.
Illustrative example of an interest-free plan. Payouts follow the terms in your contract.
You decide who covers the interest, on every charge.
Your customer pays it
They see each installment, with interest, before paying. Your price stays as you set it.
Interest-free for your customer
Your customer pays the listed price, and you cover the cost. You can set your price with that in mind.
Three steps to your first payment
Talk to us
Tell us what you sell. We’ll send a proposal with your payment methods, currency, and costs.
Get verified
Send your company documents and add the bank account that will receive your payouts.
Create your first charge
Connect our API, or send a payment link by WhatsApp or email. Every payment gets a receipt and a record in your dashboard.
For businesses Brazilians already buy from
- Car rentalsRentals and upgrades, paid before pickup.
- Vacation rentalsBookings, down payments, and final payments.
- Hotels and travelStays, packages, and tours.
- Retail and e-commerceOnline sales to Brazilian customers.
Brazilians already spend billions outside Brazil. They just pay differently.
spent by Brazilians on international travel in 2025.1
of Brazilians over 14 use Pix.2
of Brazilian credit card spending goes to interest-free installments.3
Your customer sees who’s charging, and the name their bank will show.
Paying a company outside Brazil by Pix can feel risky. So every payment page shows your company’s name, the amount in reais, and the name of the payment provider your customer will see in their banking app.
Read the guide for your customers
Coming soon
At the counter, too.
We’re working on Pix and Brazilian cards at the counter, right from your team’s phone. Ask us about it.
Verified companies. Clear records.
Every company is verified
Each business and its owners go through verification before the first charge.
A record of every payment
Receipts and tracking from charge to payout, in one place.
Third-party providers handle the payments
Payment, currency conversion, and payout services are provided by third parties.
Common questions
All questionsDo I need to set up anything in Brazil?
No. You get verified from wherever you are, and your payouts go to your company’s bank account.
What currency do I receive, and when?
Dollars today, with euros coming soon. A Pix payment is usually confirmed within minutes, and your payout starts automatically once it clears review. Timing then depends on the banks involved. Your contract spells it out.
How does pricing work?
Pricing is custom. We send you a proposal showing what it costs and what you’d receive. Your payouts then follow your contract.
How does my customer know this isn’t a scam?
Every payment page shows your company’s name, the amount in reais, and the name of the payment provider your customer will see in their banking app. They can also read our guide to paying safely, in Portuguese.
How do installments work?
Your customer splits the price into up to 12 installments on their Brazilian card, subject to their card issuer’s approval. On each charge, you choose whether the customer pays the interest or you cover the cost. Payment terms are in your contract.
Tell us about your business.
We’ll show you how joia would work for your company, and what it would cost.