At Hotmart we are constantly working to adapt our services to a global level. This includes offering a variety of payment methods available on the platform, making the purchasing process easy for all buyers, regardless of their location.
Our platform provides more than 30 payment methods, reaching buyers in over 180 countries. This means that an increasing number of people around the world have access to the digital products offered on Hotmart.
In this article, we'll detail these methods so you can understand which options are available, depending on the settings defined by the creators, as they are responsible for defining which methods will be accepted for their products.
For smoother navigation, the payment methods have been divided into specific blocks separated by location. To be redirected to the section you are interested in, simply click on the item in the list below:
Important: Remember that each country has specific fees that may be applied to international purchases and digital products.
Global Payment Methods
❯ Credit Card
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.
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.
❯ Debit Card
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
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.
❯ Google Pay
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.
❯ Two Credit Cards
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 (Europe + USA)
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.
Exclusive Payment Methods of North America
❯ Apple Pay (United States)
Apple Pay is a digital wallet that allows users to make
payments with their Apple devices. With it, users can
make online purchases using just their iPhone or Apple
Watch.
❯ PayPal Credit (United States)
PayPal Credit is a method for buyers who don't have enough
credit card limit. It functions like a microcredit where
the buyer can pay off in several installments, making
it possible to make online purchases. This method is
also available in the United Kingdom.
When choosing to pay with PayPal Credit, the buyer will
be redirected to the platform page, where they must log
in and make the payment.
❯ Venmo (United States)
Venmo is a digital wallet from PayPal, allowing payments
with the Venmo balance, or a registered credit or debit
card, in just a few clicks, directly from a computer
or smartphone.
When choosing to pay with Venmo, the buyer will be redirected
to the platform page, where they must log in and make
the payment.
❯ Pay in 4 (United States)
Pay in 4 is a PayPal solution that allows buyers to split
their online purchases into four equal payments, paid
every two weeks, without fees. The goal is to offer payment
flexibility, allowing users to better manage their cash
flow without incurring additional costs.
When choosing to pay with Pay in 4, the buyer will be
redirected to the platform page, where they must log
in and complete the payment.
Exclusive Payment Methods of Latin America
❯ Mercado Pago (Argentina and Mexico)
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 (Mexico)
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.
❯ SPEI (Mexico)
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.
❯ Hybrid: Card + OXXO (Mexico)
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 (Colombia)
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 (Colombia)
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 (Colombia)
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 (Colombia)
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.
❯ Hybrid: Card + Efecty (Colombia)
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 (Peru)
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 (Peru)
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 (Chile)
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 (Chile)
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 (Chile)
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.
Exclusive Payment Methods of Europe
❯ Multibanco (Portugal)
Multibanco is a payment method used in Portugal that allows users to pay for online purchases at ATMs or through online banking. When choosing this method, a reference code will be generated for the payment.
However, be aware: there is an expiration period for making the payment. Therefore, it's important to check the expiration date.
❯ MB WAY (Portugal)
MB WAY is a digital wallet available in Portugal that allows for instant transfers using just a mobile number and a smartphone.
When choosing to pay with MB WAY, the buyer must provide their mobile number. After doing so, a notification will arrive on their smartphone detailing the purchase and indicating which card will be charged. This notification will offer the options to accept or decline the payment, and access to the purchase will only be granted after confirmation.
❯ SeQura (Spain)
SeQura is a payment method available in Spain that allows buyers to receive products before payment, in addition to installment options without the need for a credit card. When choosing to pay with SeQura, the buyer must fill out their details and confirm the purchase. After confirmation, a new platform page will automatically open with payment plan options, and the buyer will need to choose their preference.
❯ BACS (United Kingdom)
BACS is an electronic payment method in the United Kingdom used for direct transactions.
When choosing to pay with BACS, the buyer must fill out a form with their full name, account number, and a Sort Code (a banking identifier used in the UK).
❯ PayPal Credit (United Kingdom)
PayPal Credit is a method for buyers who don't have sufficient credit card limits. It acts as a microcredit where the buyer can settle in several installments, enabling online purchases. This method is also available in the United States. When choosing to pay with PayPal Credit, the buyer will be redirected to the platform page, where they must log in and make the payment.
❯ SEPA (European Union)
SEPA facilitates euro payments between European Union countries, applying the same cost to transactions as a domestic operation, both for bank transfers and direct debits. When choosing to pay via SEPA on our platform, the buyer will need to provide their full name, followed by the IBAN code.
❯ Klarna Pay Now/SOFORT (European Union)
Klarna is an online payment method available in several European Union countries. It allows users to make direct payments using their online banking information, without the need for a credit card or to create an account. When choosing to pay with Klarna, the buyer will be redirected to the platform page, where they must log in and make the payment.
❯ Pay by Bank (European Union)
Pay by Bank is a payment method that uses Open Banking technology, allowing buyers to pay for their purchase directly from their banking app, without using cards or an IBAN. Authentication is required, and the customer must complete it in their banking app using biometrics or a PIN before the payment is processed.
❯ Apple Pay
Apple Pay is a digital wallet from Apple that allows buyers to make online purchases without entering their card details at checkout.
When a buyer selects Apple Pay, they confirm the payment directly on their Apple device using Face ID or Touch ID. The payment is confirmed within a few seconds and, once approved, they are redirected to the purchase confirmation page and get access to the product.
Important: Apple Pay is available in 27 European markets. Apple Pay is not available in the United Kingdom or Switzerland. For this option to appear, the buyer must use an iPhone, iPad, or MacBook with Face ID or Touch ID and access checkout using Safari.
Exclusive Payment Methods of Brazil
❯ Pix
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
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.
Note: This payment method is in beta phase and available
only for selected creators.
❯ Boleto
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.
❯ NuPay
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
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.
❯ Hybrid: Card + Pix
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.
❯ Recurring Pix
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.
It's important to note that the available payment methods can change depending on the creator’s choice. For this reason, we recommend checking the available options for each product of interest, ensuring you can make your purchases smoothly. If you can't find your preferred method on the payment page, you can consult our article Why can't I find the payment option I need on the checkout page?.
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