Shop abroad, pay in reais
With DreamPay, you can shop at foreign establishments and pay in BRL with your credit card. Split into up to 12 installments, with no IOF and no surprise conversion fees.
Why is there no IOF?
The 6.38% IOF applies to international credit card transactions. DreamPay processes the payment as a domestic BRL transaction within Brazil, legally eliminating this tax.
IOF exemption applies to payments processed within DreamPay's regulatory model, authorized by the Central Bank of Brazil.
How it works for you
- 1
Choose the product or service
Browse the foreign DreamPay partner establishment and choose what you want to buy.
- 2
Pay in BRL with your card
On the DreamPay payment page, enter your domestic credit card details. Choose your preferred number of installments.
- 3
Purchase confirmed
Payment approved by your bank as a domestic purchase. The establishment receives confirmation and processes your order.
- 4
Delivery or service access
Receive your product or access the service normally. DreamPay handles all conversion and settlement in the background.
Your advantages
No IOF
DreamPay payments are exempt from the 6.38% IOF tax that applies to international credit card purchases.
Split into up to 12 installments
Use your domestic credit card limit to buy abroad in installments. Same process as a local purchase.
Secure payments
All transactions are protected with end-to-end encryption and PCI DSS compliance. Your financial data is always safe.
Total transparency
Know exactly how much you will pay in reais before confirming. No surprises on your statement.
Have questions about DreamPay?
Ready to shop abroad without IOF?
Find DreamPay partner establishments and start saving today.