Parcela Já - Buy now. Pay later.

Frequently Asked Questions

Customers

Parcela Já won’t be another way for people who do not have available funding to buy products/services?

Parcela Já created an advanced system of instalment payments that allow you to manage your personal finance better, without burdening your available funding. It allows you to proceed with any purchase, paying monthly, without any related bureaucracy or interests.

How can we buy using Parcela Já?

Visit one of our partner’s stores; choose the product/service you want to purchase and, when checking out, say that you wish to pay with Parcela Já. For that you only need your citizen card, mobile phone and credit card. The purchase is validated within seconds.

What is the procedure regarding the balance on my credit card?

To buy with Parcela Já, you must have the amount of the first installment payment available on your credit card. Until the end of the payment, we will take the due monthly value concerning the instalment plan you have selected.

How can I cancel/return a purchase?

Any return/cancellation must be dealt with directly at the store where you made the purchase. The store will later contact Parcela Já it will refund the amount charged to your credit card.

My credit card was stolen. What should I do to continue paying?

If you have lost your credit card or if it was stolen, you shall: 1. Contact your bank immediately requesting the cancellation of your credit card; 2. Send an email to suporte@parcelaja.pt informing that the credit card has been cancelled; 3. Parcela Já will send a document you will need to fill out with your new credit card details and we will add it to your installment plan.

In which day will Parcela Já’s monthly payment be charged?

Parcela Já will always charge your installment monthly fee on the same day of the purchase. For example, if you make a purchase on the 15th, the remaining installments will be charged on the 15th of each month. Pay attention to the fact that, depending on the type of products or services purchased, a pre-authorization of the outstanding monthly fee may be carried out up to 5 days before the actual billing date.

Which costs will I have when using Parcela Já?

Parcela Já service is completely free for customers. No interests or added values will be charged. However, there may be small collection costs whenever the customer is late in paying.

What kind of credit cards can I use with Parcela Já?

Parcela Já accepts any VISA or MASTERCARD credit card issued in Portugal. We only accept personal cards. Company cards are not accepted.

Is it possible to use the Parcela Já if you do not have a Portuguese citizen card?

No, the use of residence permits or EU registration certificates is not valid, even if they have a Portuguese credit card.

Is the Parcela Já applicable only to the sale of Products, or the sale of Products and Services?

Parcela Já operates in any market segment and whenever participating stores comply with all contractual requirements. If your favorite store does not yet have the Parcela Já solution, it is possible that this will happen very soon.

Are there interest/commissions/extra fees related to the monthly installments?

In Parcela Já no longer there is any extra cost associated with the purchase. That is, if you make a purchase worth €200, with payment in installments 2x, you will only have to pay €100 at the time of purchase and the remaining €100 30 days later.

When is the 1st installment paid?

The 1st installment is charged to your credit card upon purchase.

Is it necessary to have the total purchase amount available on a card to make a payment with Parcela Já?

No, you just need to have the value of the first installment available.

Who do I contact if I have any questions?

You can send an email to suporte@parcelaja.pt or call +351 210 200 919.

Merchants

When can I request a refund for my customer’s credit card?

The credit card must be associated to a purchase that has been already cancelled. The merchant must contact Parcela Já and inform that the customer wishes to cancel the purchase. After that, Parcela Já will inform the merchant of the next steps. Sometimes, refunds cannot be made directly to the customer's credit card and a bank transfer will have to be made.

How to ask for a refund to my customer’s credit card account?

For any cancelation/refund, the merchant must contact Parcela Já directly via phone or email. Once the contact has been made, the cancelation process will be initiated. Refunds to credit cards have a short time limit after the capture of the first installment, and this option will only be possible within this limited period of time.