Charge

💸 PIX Charges

PIX is an instant payment system developed by the Central Bank of Brazil that allows for real-time, low-cost money transfers.

🔑 Key Features

• Instant Payments: Transfers are completed within seconds.
• 24/7 Availability: Works anytime, including weekends and holidays.
• High Security: Encrypted and regulated by the Central Bank.
• Cost-Effective: Usually cheaper than traditional wire transfers.

💡 Example

A customer wants to pay for a service. They scan a QR code using their bank app and the money is instantly transferred to the merchant's account.

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💳 Credit Card Charges

Credit card payments allow customers to make purchases and pay later, either in full or through installments.

🔑 Key Features

• Deferred Payment: Payment is charged to the card and billed monthly.
• Global Acceptance: Accepted by most online and physical merchants.
• Security: Supports fraud detection, dispute resolution, and chargebacks.
• Installments: Option to split payments into monthly installments (region-dependent).

💡 Example

A customer makes an online purchase, enters credit card details, and completes the transaction. The amount is billed to their card and paid later via their monthly statement.

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💰 Refunds

Refunds return funds to the customer when a transaction is reversed due to returns, cancellations, or errors.

🔑 Key Features

• Reversal of Charges: Funds are credited back to the original payment method.
• Processing Time: Typically completed in a few business days.
• Refund Reason: Common reasons include product return or cancellation.

💡 Example

A customer returns a product and requests a refund. After approval, the refunded amount appears back in the customer's account.

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🧪 Test Cards

Use the test card numbers below to simulate different payment outcomes: