How to pay bills with a credit card? Find out!

Boletos are our way to pay various debts, such as service subscriptions, credit card bills, and even gym memberships, school fees, and other services. And there's a lot of research on one important topic: how to pay bills with a credit card?

Whether out of necessity or convenience, this option can be interesting and give you a few extra days to settle your bill, allowing you to be better organized.

So, follow our text to learn how to pay bills using your credit card and whether this transaction is worth it.

Learn now how to pay the bill with a credit card 👈

Is it possible to pay a bill with a credit card?

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Yes, you can pay bills with a credit card, and in some cases, you can even earn miles or points with the transaction! This could be very interesting for you if your account has this option!

To pay your bill with a credit card, you'll first need to check if your bank offers this option. It's worth noting that not all financial institutions offer this service to their customers.

Here's a general guide to check if your bank app allows this type of transaction:

• Access your account via internet banking or app.
• Look for the “Payment” option.
• Enter the barcode on the bill.
• Look for the “Credit Card” option.
• Authorize payment by entering your password.

It is important to check whether interest and IOF taxes are charged on this transaction in order to assess whether it is worth proceeding with the payment.

How does paying a bill with a credit card work?

Simply put, paying bills with a credit card works similarly to making a purchase with a credit card. However, instead of making a purchase in a physical or online store, you're using your card to pay a bank bill.

By choosing this type of payment, you have the option of paying your bill in installments and thus being able to pay off the debt more simply, paying it off gradually.

It is worth remembering that there is a service fee and interest, in general, when carrying out this type of operation.

What do you need to pay the bill with a credit card?

As we've been showing since the beginning, paying a bill with a credit card is very simple and can bring advantages to those making the transaction.

In order to make this type of payment, you must:

• Have the bill you want to pay and have a date that allows you to pay it.
• Have a bank app or digital wallet that allows you to pay bills with a credit card.
• Have a limit on your card to pay the bill in question.

Please note that we are showing above that there are basically two ways to pay a bill with a credit card: through a bank app, where you have your account registered and the bank card in question, or through digital wallets that allow you to register cards and pay bills.

Below, we'll show you how to do it both ways, with step-by-step instructions for the main banking apps and digital wallets that allow this operation.

How to pay a bill with a card using the bank app – Example: Nubank

Nubank is one of Brazil's best-known digital banks, always offering solutions for everyone and enabling a variety of transactions. Everything is done through the app, in a simple and intuitive way.

This also applies to paying a bill using a credit card. Check out our step-by-step guide to completing this process:

• On the Nubank app home screen, find and click on the “Pay” option.
• Then, choose the option “Pay bill with Credit Card”.
• Now, you can choose to scan the boleto barcode using your device's camera or enter the code manually.
• Click “continue” and then review all payment information to ensure it is correct.
• Finally, click “pay” and enter your password to confirm payment.

By following these steps, you will be able to pay your bills using your Nubank credit card quickly and conveniently through the app.

How to pay bills with an app

Another way to pay bills with a credit card is by using digital wallets, apps that allow you to register your credit card and use it to pay bills, including your invoices.

For this to be possible, you must have a credit card that is accepted by the app and register your account, as well as your credit card.

We'll show you step-by-step how to pay your bill with a credit card using the three main apps: PicPay, PagBank, and Mercado Pago:

PicPay

To pay bills using the PicPay app, follow the instructions below:

1. Open the PicPay app on your phone and find the “Pay Bill” option.
2. Select the option to scan the barcode or enter it manually, depending on the information available on the bill or invoice you wish to pay.
3. Choose your preferred payment method. With PicPay, you can link a bank account, credit card, or available balance in your PicPay account to make the payment.
4. Complete the transaction by confirming the payment details and providing the necessary billing information.

PagBank

To make payments using PagBank, follow the steps below:

1. Open a free PagBank account through the app or website.
2. After confirming your registration, add your credit card to the platform. This will allow you to use the card as a payment method.
3. Select the “Pay with barcode” option in the PagBank app.
4. Then, use your cell phone's camera to scan the barcode on the bill or manually enter the information contained on it.
5. After entering the boleto information, choose your preferred payment method. In this case, select one of the registered credit cards.
6. Complete the payment by paying the charge with the selected card.

Mercado Pago

To pay bills using Mercado Pago, follow the steps below:

1. Open the Mercado Pago app on your phone (available for Android and iOS) and register your credit card on the platform.
2. Then, find the “Pay bills and taxes” option in the app.
3. Scan the barcode on the bill using your cell phone camera or manually enter the barcode information.
4. Choose credit card as your payment method to pay the bill.
5. Check whether you want to pay the bill in installments or in full in 1 installment (cash credit), depending on the available option.
6. Review all payment information and, if correct, complete the transaction.

What is the fee for paying a bill with a credit card?

To pay a boleto with a credit card, you'll have to pay a fee. Fees for paying boletos with a credit card may vary depending on the card issuing bank, the financial institution offering the service, and the specific fee policy for each case.

Generally, when paying bills with a credit card, an additional fee is usually charged on top of the bill amount.

This fee can be a percentage of the boleto amount or a fixed amount. It's important to note that fees can vary considerably and depend on the conditions established by the financial institution.

Typically, you pay up to R$25.00 for the transaction. Additionally, there's an interest rate, especially if you choose to pay in installments.

The interest rate starts at 0.83% and can reach up to more than 4% per month.

Therefore, before paying your bill with your credit card, check the rate charged.

Is it advantageous to pay a bill with a credit card?

Paying bills and invoices with a credit card can be advantageous, depending on the benefits offered by your card or digital wallet, such as points, cashback, or miles earned on your spending. In other words, you can benefit from using this payment option.

However, it's important to consider a few factors before opting to pay with a credit card. Initially, due to the IOF (Tax on Financial Transactions) and other fees, this option may not be the best option. After all, you end up paying more for the boleto.

However, if you have an account and currently do not have the funds to make the payment within the due date, you may consider paying with a credit card, as long as the fees applied are lower than the late fees.

Frequently asked questions

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