RecargaPay: Pix Cartão e Conta

RecargaPay is a digital wallet regulated by the Central Bank for making Pix payments with credit cards, paying bills, and investing in CDBs. It offers a free digital account, a credit card with no annual fee and up to 2% cashback, personal and CLT payroll loans, all within the app used by over 13 million Brazilians to manage their personal finances. PIX WITH CREDIT CARD ◉ Make Pix payments with any credit card, starting at 2.99% per month. ◉ Split Pix payments into up to 18 installments (Pix installments on your card). ◉ Pix payments without account balance: the amount is credited and arrives instantly for the recipient. ◉ Free Pix app with QR Code for sending and receiving payments. ◉ Unlimited and free traditional Pix payments, 24/7. DIGITAL ACCOUNT AND DIGITAL WALLET ◉ Free digital account, no monthly fees, and no maintenance fees. ◉ Digital wallet and digital bank in the same app: Pix, accounts, top-ups, cards, and investments. ◉ Balance earns 120% of the CDI automatically up to one thousand reais, every business day. ◉ Digital account for MEI and PJ, with 100% digital opening. CREDIT CARD WITHOUT ANNUAL FEE ◉ Card with up to 2% cashback on all purchases. ◉ Card for those with negative credit history, Guaranteed Limit model with a limit starting from R$ 10. ◉ Credit card for CLT, self-employed, and MEI. ◉ Platinum: up to R$ 10,000 pre-approved. Black: up to R$ 30,000. Titan: card with 2% cashback on all purchases. PERSONAL AND CONSIGNED LOANS FOR CLT EMPLOYEES ◉ Online personal loan, 100% digital, with money in the account after approval. ◉ CLT Consigned Loan (Employee Credit): from 3.99% per month, in up to 36 installments, with payroll deduction. *RecargaPay never charges an upfront fee to approve or release a loan. If someone charges on behalf of the app, it's a scam: report it to customer service. CDB AND INVESTMENTS ◉ CDB with daily liquidity at 107% of the CDI, with FGC protection. ◉ 12-month CDB at 110% of the CDI up to R$ 250,000. ◉ Fixed income investment for CPF and CNPJ/MEI. *Past performance does not guarantee future returns. Investments carry risks. TAP TO PAY: MOBILE PAYMENT CHANNEL ◉ Mobile payment terminal with no rental fees, no monthly fees, and no joining fee. ◉ Rates starting at 0.75% for debit and 3.09% for credit card payments, with payment received instantly or on the next business day. ◉ Contactless card machine (NFC) for freelancers, MEI (Micro Individual Entrepreneur), and shopkeepers. ◉ Tap to Pay to receive payments on your cell phone, without buying equipment. PAY BILLS AND INVOICES ◉ Pay bills with a credit card in up to 18 installments. ◉ Pay overdue water, electricity, internet, telephone, IPVA (Vehicle Property Tax), and IPTU (Urban Property Tax) bills. ◉ Pay bills and invoices in installments directly in the app. TOP-UPS ◉ Cell phone top-ups: Vivo, TIM, Claro, and more operators. ◉ Top-ups for single-use tickets and transportation cards: SP, RJ, Recife, Salvador, Curitiba, and more cities. SECURITY ◉ Payment institution regulated by the Central Bank of Brazil. ◉ CDB (Certificate of Deposit) with FGC (Credit Guarantee Fund) protection up to R$ 250,000 per CPF (Brazilian Individual Taxpayer Registry). ◉ PCI-DSS 4.0 and ISO 22301 certified. ◉ MED (Special Return Mechanism) activated within 30 minutes in case of Pix fraud. ◉ Two-step authentication, biometrics, and encryption. ◉ 24/7 customer service. *Simple, clear, and transparent credit ◉ Personal loan: term of 3 to 6 months. CLT (Consolidation of Labor Laws) payroll loan: up to 36 months. ◉ Personal loan: rates from 8% to 18% per month (maximum of 628.75% per year). CLT (Consolidation of Labor Laws) Loan: from 3.99% per month. CET (Total Effective Cost) informed before contracting. ◉ Representative example: personal loan of R$ 900.00 in 6 months, rate of 15% per month, 6 installments of R$243.55, total amount to be paid of R$ 1,461.30, CET of 15.42% per month. Simulation of 11/06/2026. ☎ 24/7 SERVICE Questions? Access our Help Center: www.recargapay.com.br/contato Ombudsman: 0800 202 0019 RecargaPay Payment Institution Ltda. – CNPJ: 11.275.560/0001-75