Frequently asked questions — Customers

DreamPay is a payment platform that lets Brazilian consumers shop at foreign partner establishments, paying in BRL with their domestic credit card — with IOF already included in the rate and installment options.

When making a purchase at a DreamPay partner establishment, you will be redirected to the DreamPay payment page. Enter your domestic credit card details, choose your number of installments, and confirm. That's it.

The IOF that normally applies to international credit card transactions is already included in DreamPay's exchange rate. You won't see any additional IOF charges on your credit card bill.

Accepts Visa, Mastercard, Elo, Hipercard, and American Express credit cards issued by Brazilian banks. Installments depend on the available limit on your card.

Yes. DreamPay uses encryption and security best practices to protect all transactions. Card data is encrypted and never stored after the transaction.

Refunds are processed by the establishment where you made the purchase, according to each store's return policy. The amount is reversed to the credit card used.

The purchase appears on your statement as a BRL transaction, processed as a domestic purchase. You will see the establishment name and the total amount in reais.