{"id":30459,"date":"2025-02-21T13:50:13","date_gmt":"2025-02-21T13:50:13","guid":{"rendered":"https:\/\/tikmobiles.com\/?p=30459"},"modified":"2026-09-08T16:51:15","modified_gmt":"2026-09-08T16:51:15","slug":"aplikacije-za-povrat-novca-primaju-novac","status":"publish","type":"post","link":"https:\/\/tikmobiles.com\/hr\/apps-cashback-receber-dinheiro\/","title":{"rendered":"Aplikacije za povrat novca: kamo ide povrat novca i koliko dugo traje"},"content":{"rendered":"<p>Da budem izravan: povrat novca nije poklon od trgovine. To je provizija koju trgovina pla\u0107a aplikaciji za to \u0161to vas je tamo dovela, a aplikacija dijeli taj iznos s vama. To obja\u0161njava gotovo sve \u0161to je zbunjuju\u0107e u izjavi: za\u0161to novac ostaje &quot;na \u010dekanju&quot; tjednima, za\u0161to postoji minimalni iznos za isplatu i za\u0161to kupon kopiran s druge web stranice mo\u017ee poni\u0161titi ono \u0161to biste imali pravo primiti.<\/p>\n<p>Brojke su konkretne. U M\u00e9liuzu, isplata va\u0161eg stanja putem vlastitog ra\u010duna aplikacije po\u010dinje od $ 20 R$; u Cuponomiji je minimalni iznos za slanje povrata novca na bankovni ra\u010dun tako\u0111er $ 20 R$. Obje vrijednosti nalaze se na slu\u017ebenoj stranici svake aplikacije na Google Playu, koju sam provjerio prije pisanja, kao i ocjene i preuzimanja svake aplikacije spomenute ovdje.<\/p>\n<h2>Odakle dolazi novac za povrat novca?<\/h2>\n<p>Svaka velika trgovina ima partnerski program: ispla\u0107uje postotak od prodaje onome tko je doveo kupca. Aplikacija za povrat novca je veliki partnerski program. Kada dodirnete &quot;idi u trgovinu&quot; unutar aplikacije, poveznica u\u010ditava kod za pra\u0107enje; trgovina registrira da je posjet do\u0161ao od tamo i, ako je kupnja dovr\u0161ena, proviziju pripisuje aplikaciji. Aplikacija zadr\u017eava dio, a drugi dio vra\u0107a vama u obliku kredita.<\/p>\n<p>Zato se postotak mijenja od trgovine do trgovine i, unutar iste trgovine, od kategorije do kategorije: svaki trgovac pregovara o vlastitoj proviziji. To tako\u0111er obja\u0161njava za\u0161to povrat novca nestaje kada kupujete bez kori\u0161tenja aplikacije: bez koda za pra\u0107enje, trgovina ne ispla\u0107uje proviziju nikome i nema iznosa za dijeljenje.<\/p>\n<p>Povrat novca s kreditne kartice ima druga\u010diji izvor, ali s istom logikom: dolazi od naknade koju mre\u017ea kartica i izdavatelj napla\u0107uju trgovcu pri svakoj kupnji, a banka vam vra\u0107a dio kako bi vas potaknula da koristite njihovu karticu.<\/p>\n<h2>Tri obitelji povrata novca na mobilnim ure\u0111ajima<\/h2>\n<p>Aplikacije vra\u0107aju novac u tri situacije, svaka sa svojim pravilima:<\/p>\n<ul>\n<li><strong>Kupujte online putem aplikacije.<\/strong> Otvorite M\u00e9liuz, Cuponomia ili Zoom, odaberete trgovinu, dodirnete gumb i dovr\u0161ite kupnju na njihovoj web stranici. To je klasi\u010dni model, s pra\u0107enjem putem poveznice i vremenskim okvirom za potvrdu.<\/li>\n<li><strong>Fizi\u010dka trgovina.<\/strong> Putem ra\u010duna (M\u00e9liuz Nota Fiscal vra\u0107a dio vrijednosti proizvoda koji sudjeluju u promociji u supermarketima i ljekarnama kada po\u0161aljete ra\u010dun putem aplikacije) ili putem kreditne kartice s povratom novca, koja vra\u0107a fiksni postotak od svake kupnje.<\/li>\n<li><strong>Pla\u0107anje i dopuna.<\/strong> Dopune mobilnih telefona nude povrat novca na M\u00e9liuz i Cuponomia (potonja pokriva Tim, Vivo i Claro); Cuponomia tako\u0111er vra\u0107a dio vrijednosti poklon kartica za Google Play, Uber, PSN i Xbox.<\/li>\n<\/ul>\n<h2>Za\u0161to je povrat novca &quot;na \u010dekanju&quot; i koliko dugo?<\/h2>\n<p>Nakon kupnje, izvod prikazuje iznos kao nepla\u0107en. Ni\u0161ta nije pogre\u0161no. Trgovina ispla\u0107uje proviziju aplikaciji tek nakon \u0161to potvrdi da je prodaja zavr\u0161ena, odnosno nakon \u0161to pro\u0111e razdoblje zamjene, povrata i otkazivanja. Ako vratite proizvod, provizija se vra\u0107a, a uz njega se pripisuje i povrat novca.<\/p>\n<p>Razdoblje potvrde povrata novca definirano je pravilima trgovine i programa, a ne op\u0107im minimalnim razdobljem utvr\u0111enim zakonom. Povrati, otkazivanja i potvrda narud\u017ebe mogu utjecati na pla\u0107anje. <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/l8078compilado.htm\">Zakon o za\u0161titi potro\u0161a\u010da<\/a> Predvi\u0111a sedmodnevno pravo na odustajanje od ugovora za kupnje obavljene izvan poslovnog prostora, izra\u010dunato prema \u010dlanku 49.; samo to ne definira raspored povrata novca.<\/p>\n<h3>\u0160to zna\u010di svaki status izvoda<\/h3>\n<ol>\n<li><strong>Registrirano ili u postupku:<\/strong> Trgovina je potvrdila da je posjet do\u0161ao putem aplikacije i da je kupnja pra\u0107ena. Jo\u0161 uvijek nema dostupnog novca.<\/li>\n<li><strong>Potvr\u0111eno:<\/strong> Trgovina je isplatila proviziju. Iznos je va\u0161, ali mo\u017ee biti manji od minimalnog iznosa za isplatu.<\/li>\n<li><strong>Dostupno:<\/strong> Potvr\u0111eni saldo je dosegao minimalni iznos i mo\u017ee se prenijeti.<\/li>\n<li><strong>Otkazano:<\/strong> Trgovina je prijavila povrat, otkazivanje, neovla\u0161teni kupon ili nepra\u0107enu narud\u017ebu. Ovo je status koji se mo\u017ee izbje\u0107i.<\/li>\n<\/ol>\n<h2>Kako pro\u010ditati popis u trgovini prije nego \u0161to kliknete &quot;kupi&quot;.<\/h2>\n<p>Popis trgovine unutar aplikacije je ugovor. Pro\u010ditajte ga ovim redoslijedom:<\/p>\n<ol>\n<li><strong>Postotak i osnova izra\u010duna.<\/strong> Provjerite odnosi li se postotak na vrijednost proizvoda ili na ukupan iznos, uklju\u010duju\u0107i dostavu. U ve\u0107ini trgovina dostava i porezi nisu uklju\u010deni.<\/li>\n<li><strong>Isklju\u010dene kategorije.<\/strong> Trgovina bi mogla vratiti odje\u0107u u vrijednosti od 5%, ali ni\u0161ta u mobitelima. Broj istaknut u izlogu obi\u010dno je najve\u0107i u trgovini, a ne prosje\u010dan.<\/li>\n<li><strong>Rok za potvrdu.<\/strong> To je vrijeme koliko \u0107e novac ostati na \u010dekanju.<\/li>\n<li><strong>Pravila za kupone.<\/strong> Obrazac ozna\u010dava prihva\u0107a li kupone iz vanjskih izvora ili samo one koji su tamo navedeni. Ovaj redak odre\u0111uje ho\u0107ete li ga primiti.<\/li>\n<li><strong>Uvjeti pla\u0107anja.<\/strong> Neke trgovine ne ispla\u0107uju proviziju na proizvode od partnerskih prodava\u010da, na poklon bonove ili na narud\u017ebe pla\u0107ene stanjem iz druge promocije.<\/li>\n<\/ol>\n<h2>M\u00e9liuz: preko tisu\u0107u trgovina i povrat novca na va\u0161 ra\u010dun.<\/h2>\n<p>M\u00e9liuz prema\u0161uje 10 milijuna preuzimanja na Google Playu, s ocjenom 4,7 na temelju vi\u0161e od 1,3 milijuna recenzija. Njegov profil navodi povrat novca u vi\u0161e od tisu\u0107u online trgovina, uklju\u010duju\u0107i Amazon, Magazine Luiza, Casas Bahia, Shopee, AliExpress i Shein.<\/p>\n<p>Klju\u010dna razlika je M\u00e9liuz Nota Fiscal: kupujete proizvode koji sudjeluju u promociji u supermarketu ili ljekarni, fotografirate ra\u010dun putem aplikacije i dobivate dio vrijednosti natrag, koji se mo\u017ee iskoristiti putem Pixa. Za one koji \u017eele povrat novca na svaku kupnju, tu je M\u00e9liuz kreditna kartica, bez godi\u0161nje naknade, koja vra\u0107a do 2%: 1% na bilo koju kupnju i dodatnih 1% u partnerskim trgovinama kupljenim putem aplikacije. S M\u00e9liuz ra\u010dunom, isplata stanja je trenutna po\u010dev\u0161i od R$ 20. Aplikacija je tako\u0111er dostupna na App Storeu, s ocjenom 4,8.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/NveBJ649Fy_ymDLVw9F-CyDDi8ipNyydlrsgQWRKWJgHjD6dB63EdDIAX4eFdp-igDIvslYw9_dMyP-LkWSY0g\" alt=\"M\u00e9liuz: Logotip povrata novca i ra\u010duna\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">M\u00e9liuz: Povrat novca i ra\u010dun<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.70;\" aria-label=\"Ocjena 4,7 od 5\"><\/span>  <span class=\"rating-text\">4,7<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FNveBJ649Fy_ymDLVw9F-CyDDi8ipNyydlrsgQWRKWJgHjD6dB63EdDIAX4eFdp-igDIvslYw9_dMyP-LkWSY0g&title=M%C3%A9liuz%3A+Cashback+e+Nota+Fiscal&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dbr.com.meliuz\" class=\"download-btn\" id=\"download-btn-0\" data-instance=\"1\" data-title=\"M\u00e9liuz: Cashback e Nota Fiscal\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-0\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"M\u00e9liuz: Cashback e Nota Fiscal\",\n                            app_instance: 1,\n                            button_id: \"download-btn-0\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"M\u00e9liuz: Cashback e Nota Fiscal\",\n                                    app_instance: 1,\n                                    button_id: \"download-btn-0\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h2>Cuponomia: povrat novca aktivira se jednim dodirom i iskori\u0161tenje po\u010dinje od R$ 20<\/h2>\n<p>Cuponomia ima ocjenu 4,8 na Google Playu, s preko 59 000 recenzija i vi\u0161e od milijun preuzimanja. Popis spominje preko 2000 partnerskih trgovina, uklju\u010duju\u0107i Mercado Livre, Magalu, Shopee i KaBuM!. Postupak je isti kao i kod M\u00e9liuza, s jednim detaljem istaknutim u popisu: dodirnete &quot;aktiviraj povrat novca&quot; na stranici trgovine prije kupnje, a tim dodirom aktivirate pra\u0107enje.<\/p>\n<p>Povrat novca na va\u0161 bankovni ra\u010dun po\u010dinje od 20 R$ akumuliranih na va\u0161em izvodu. Punjenjem mobilnih usluga Tim, Vivo i Claro vra\u0107a se dio vrijednosti, kao i poklon kartice za Google Play, Uber, PSN i Xbox kupljene putem aplikacije. Preporuke donose povrat novca od 5 R$ i za osobu koja ih je preporu\u010dila i za novog korisnika. Na App Storeu ima ocjenu 4,9.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/qc-zJT-DqcXfsfm0s5GNREp9Ur_s81f0glkcPr9B_CLfFsjSSAN-rNKwD60hTwVojVuT-hkD22jODiWG9xSkyoQ\" alt=\"Cuponomia: Logotip kupona i povrata novca\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Cuponomia: Kuponi i povrat novca<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.80;\" aria-label=\"Ocjena 4,8 od 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2Fqc-zJT-DqcXfsfm0s5GNREp9Ur_s81f0glkcPr9B_CLfFsjSSAN-rNKwD60hTwVojVuT-hkD22jODiWG9xSkyoQ&title=Cuponomia%3A+Cupons+e+Cashback&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.cuponomia\" class=\"download-btn\" id=\"download-btn-1\" data-instance=\"2\" data-title=\"Cuponomia: Cupons e Cashback\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-1\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Cuponomia: Cupons e Cashback\",\n                            app_instance: 2,\n                            button_id: \"download-btn-1\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Cuponomia: Cupons e Cashback\",\n                                    app_instance: 2,\n                                    button_id: \"download-btn-1\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h2>Zoom: Povrat novca unutar alata za usporedbu cijena.<\/h2>\n<p>Zoom je zapo\u010deo kao aplikacija za usporedbu cijena i ostvario je povrat novca. Njegov popis na Google Playu, koji je objavio Banco Pan, spominje preko 600 trgovina, povijest cijena za posljednjih 6 mjeseci ili 40 dana, upozorenja o cijenama i &quot;Zoom jamstvo&quot;, koje obe\u0107ava povrat do 5000 brazilskih reala ako kupljeni proizvod ne stigne. Ima 10 milijuna preuzimanja i ocjenu 4,6.<\/p>\n<p>Prednost je vidjeti, na istom ekranu, koja trgovina ima najni\u017eu cijenu i koja vra\u0107a najvi\u0161e: proizvod koji je skuplji za 30 R$ s povratom novca od 5% i dalje je skuplji. Usporedba i pra\u0107enje povijesti dostupni su na... <a href=\"https:\/\/tikmobiles.com\/hr\/aplikacije-za-kupone-za-ustedu-novca\/\">Vodi\u010d za usporedbu cijena i kuponi prije kupnje<\/a>; Ovdje je fokus na onome \u0161to se doga\u0111a nakon \u0161to je narud\u017eba izvr\u0161ena.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/8z6AMFNjiAKI3_5ZaH18SdH8iLa1BwySymxBXLMXnsXv8ZPHelZ4NCd9ywGvYZ3dBbMOH9MPeII6W9w9hSClCw\" alt=\"Zoom: Logotip popusta i povrata novca\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Zoom: Popusti i povrat novca<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.60;\" aria-label=\"Ocjena 4,6 od 5\"><\/span>  <span class=\"rating-text\">4,6<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2F8z6AMFNjiAKI3_5ZaH18SdH8iLa1BwySymxBXLMXnsXv8ZPHelZ4NCd9ywGvYZ3dBbMOH9MPeII6W9w9hSClCw&title=Zoom%3A+Descontos+e+Cashback&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.zoom.zoomandroid\" class=\"download-btn\" id=\"download-btn-2\" data-instance=\"3\" data-title=\"Zoom: Descontos e Cashback\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-2\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Zoom: Descontos e Cashback\",\n                            app_instance: 3,\n                            button_id: \"download-btn-2\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Zoom: Descontos e Cashback\",\n                                    app_instance: 3,\n                                    button_id: \"download-btn-2\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h2>Povrat novca u banci: Inter Shop i PicPay kartice<\/h2>\n<p>Neke banke odr\u017eavaju podru\u010dja za kupovinu unutar svojih aplikacija i mogu pripisati nagrade stanju na va\u0161em ra\u010dunu. Postotak, podobnost, vremenski okvir i eventualni minimalni iznos ovise o programu. U Inter Shopu provjerite uvjete trgovine i proizvoda prije nego \u0161to nastavite s pla\u0107anjem; Inter Loop bodovi slijede vlastita pravila i ne zna\u010de odmah dostupnu gotovinu.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/zUp6OkIQ7sYvowxxeYgIVg2x65i2m9lk7PAcuUVMh4gddUmCq3qBTVNvnNrDpN2OkwEeydgExBTrvrBFIFiUlJI\" alt=\"Inter: Logotip ra\u010duna, kartice i Pixa\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Inter: Ra\u010dun, kartica i slike<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.80;\" aria-label=\"Ocjena 4,8 od 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FzUp6OkIQ7sYvowxxeYgIVg2x65i2m9lk7PAcuUVMh4gddUmCq3qBTVNvnNrDpN2OkwEeydgExBTrvrBFIFiUlJI&title=Inter%3A+Conta%2C+Cart%C3%A3o+e+Pix&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dbr.com.intermedium\" class=\"download-btn\" id=\"download-btn-3\" data-instance=\"4\" data-title=\"Inter: Conta, Cart\u00e3o e Pix\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-3\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Inter: Conta, Cart\u00e3o e Pix\",\n                            app_instance: 4,\n                            button_id: \"download-btn-3\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Inter: Conta, Cart\u00e3o e Pix\",\n                                    app_instance: 4,\n                                    button_id: \"download-btn-3\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<p>Na PicPayu je povrat novca vezan za karticu: popis prikazuje Zlatnu karticu s povratom novca na PicPay Shopu, Platinum s 0,5% na sve kreditne kupnje, Crnu s 1,2% i Epic s do 4%. Iznos se dodaje stanju na ra\u010dunu. Budu\u0107i da svaka razina kartice zahtijeva odre\u0111eni profil prihoda, odabir prave banke je na prvom mjestu, a usporedba besplatnih ra\u010duna dostupna je na web stranici. <a href=\"https:\/\/tikmobiles.com\/hr\/najbolje-aplikacije-za-digitalne-banke\/\">Vodi\u010d za digitalne banke s ra\u010dunima i karticama bez naknada.<\/a>.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/l7hUS_lVviC9sEQo5nncAZDOUq6iJkGks2F2dWwQ2spKD4CRN1lSKHzB6wjD4qWFADnkRv-VvWYvqQP9d69es-E\" alt=\"PicPay banka: kartica, Pix i + logotip\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">PicPay banka: Kartica, Pix i vi\u0161e<\/h3>  <span class=\"app-category\">android<\/span>    <\/div>  <\/div>  <div class=\"app-body\"><div class=\"app-stats\"><div class=\"app-info-item rating-item\">  <span class=\"stc-rating-stars\" style=\"--rating: 4.60;\" aria-label=\"Ocjena 4,6 od 5\"><\/span>  <span class=\"rating-text\">4,6<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/hr\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2Fl7hUS_lVviC9sEQo5nncAZDOUq6iJkGks2F2dWwQ2spKD4CRN1lSKHzB6wjD4qWFADnkRv-VvWYvqQP9d69es-E&title=Banco+PicPay%3A+Cart%C3%A3o%2C+Pix+e+%2B&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.picpay\" class=\"download-btn\" id=\"download-btn-4\" data-instance=\"5\" data-title=\"Banco PicPay: Cart\u00e3o, Pix e +\">  <span class=\"download-btn-icon\"><svg viewbox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"white\"><path d=\"M3 2.5v19c0 .8.9 1.3 1.6.8l14-9.5c.6-.4.6-1.3 0-1.7L4.6 1.7C3.9 1.2 3 1.7 3 2.5z\"\/><\/svg><\/span>  <span class=\"download-btn-text\">Prika\u017ei na Google Playu<\/span>  <span class=\"download-btn-arrow\"><svg viewbox=\"0 0 24 24\" width=\"18\" height=\"18\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 12h14M13 5l7 7-7 7\"\/><\/svg><\/span><\/a>  <\/div><\/div><script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var botao = document.getElementById(\"download-btn-4\");\n            if (botao) {\n                \/\/ Evento de clique\n                botao.addEventListener(\"click\", function() {\n                    if (typeof fbq !== \"undefined\") {\n                        fbq(\"track\", \"ViewContent\", {\n                            app_name: \"Banco PicPay: Cart\u00e3o, Pix e +\",\n                            app_instance: 5,\n                            button_id: \"download-btn-4\"\n                        });\n                    }\n                });\n                \n                \/\/ Evento de scroll at\u00e9 o bot\u00e3o (vis\u00edvel na tela)\n                var observer = new IntersectionObserver(function(entries) {\n                    entries.forEach(function(entry) {\n                        if (entry.isIntersecting) {\n                            if (typeof fbq !== \"undefined\") {\n                                \/\/ Usa par\u00e2metros customizados para diferenciar cada evento de scroll\n                                fbq(\"trackCustom\", \"ScrollAteBotao\", {\n                                    app_name: \"Banco PicPay: Cart\u00e3o, Pix e +\",\n                                    app_instance: 5,\n                                    button_id: \"download-btn-4\"\n                                });\n                            }\n                            observer.unobserve(entry.target);\n                        }\n                    });\n                });\n                \n                observer.observe(botao);\n            }\n        });\n        <\/script>\n<h2>Minimalni na\u010dini isplate i otkupa, aplikacija po aplikacija.<\/h2>\n<p>Tablica uklju\u010duje samo ono \u0161to se nalazi na slu\u017ebenoj stranici svake aplikacije na Google Playu; tamo gdje ne pru\u017ea informacije, sam sam ih dodao.<\/p>\n<table>\n<thead>\n<tr>\n<th>Aplikacija<\/th>\n<th>Odakle potje\u010de povrat novca<\/th>\n<th>Gdje pada novac<\/th>\n<th>Minimalni iznos za iskori\u0161tavanje<\/th>\n<th>Napomena o igri<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>M\u00e9liuz<\/td>\n<td>Internetske trgovine, ra\u010dun, dopuna, vlastita kartica<\/td>\n<td>Stanje u aplikaciji; iskoristite putem Pix ili M\u00e9liuz ra\u010duna.<\/td>\n<td>R$ 20 putem M\u00e9liuz ra\u010duna<\/td>\n<td>4,7<\/td>\n<\/tr>\n<tr>\n<td>Kuponomija<\/td>\n<td>Internetske trgovine, dopune, poklon kartice, preporuke<\/td>\n<td>Izvod u aplikaciji; isplata na bankovni ra\u010dun.<\/td>\n<td>R$ 20 akumulirano<\/td>\n<td>4,8<\/td>\n<\/tr>\n<tr>\n<td>Zum<\/td>\n<td>Online trgovine putem alata za usporedbu<\/td>\n<td>Stanje u aplikaciji<\/td>\n<td>Obrazac ne pru\u017ea ove podatke.<\/td>\n<td>4,6<\/td>\n<\/tr>\n<tr>\n<td>Izme\u0111u<\/td>\n<td>Inter Shop i Inter Loop to\u010dke<\/td>\n<td>Izravno na teku\u0107i ra\u010dun.<\/td>\n<td>Prema pravilima programa<\/td>\n<td>4,8<\/td>\n<\/tr>\n<tr>\n<td>PicPay<\/td>\n<td>Zlatne, platinaste, crne i epske karte<\/td>\n<td>Stanje PicPay ra\u010duna<\/td>\n<td>Prema pravilima programa<\/td>\n<td>4,6<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Beblue, koji se pojavljivao na starijim popisima, vi\u0161e nije na Google Playu: ako ste tamo imali stanje na ra\u010dunu, morat \u0107ete se obratiti korisni\u010dkoj slu\u017ebi tvrtke, a ne koristiti vanjski APK. Ame Digital je izostavljen jer nisam mogao prona\u0107i njegov popis za provjeru.<\/p>\n<h2>Kako kombinirati povrat novca i kupone bez gubitka jednog.<\/h2>\n<p>Pravilo koje naj\u010de\u0161\u0107e poni\u0161tava povrat novca je pravilo kupona. Trgovina ispla\u0107uje proviziju partneru po prodaji: ako u\u0111ete putem M\u00e9liuza i zalijepite kupon dobiven s druge web stranice u ko\u0161aricu, trgovina mo\u017ee pripisati prodaju vlasniku tog kupona, a aplikacija gubi proviziju koju bi podijelila s vama. Slijed koji \u010duva oboje:<\/p>\n<ol>\n<li>Otvorite aplikaciju za povrat novca i idite na stranicu trgovine.<\/li>\n<li>Pro\u010ditajte informativni list: postotak, isklju\u010dene kategorije i redak &quot;prihva\u0107a vanjske kupone&quot; ili &quot;samo kupone za aplikacije&quot;.<\/li>\n<li>Kopirajte kupon naveden tamo, ako je dostupan.<\/li>\n<li>Dodirnite &quot;idi u trgovinu&quot; ili &quot;aktiviraj povrat novca&quot; i dovr\u0161ite kupnju u istoj sesiji, bez napu\u0161tanja druge aplikacije.<\/li>\n<li>Zalijepite kupon u ko\u0161aricu, dovr\u0161ite postupak pla\u0107anja i spremite broj narud\u017ebe.<\/li>\n<\/ol>\n<p>Trgovine s vlastitim kuponima unutar aplikacije, poput Sheina, slijede druga\u010diju logiku: popust dolazi iz vlastitog sustava bodova i kupona trgovine, a povrat novca izvana ovisi o tome dopu\u0161ta li ra\u010dun kombinaciju. Ovi interni kuponi obja\u0161njeni su u [vezi na kupone]. <a href=\"https:\/\/tikmobiles.com\/hr\/shein-kuponi-za-besplatnu-odjecu\/\">Vodi\u010d za kupone i bodove unutar Shein aplikacije.<\/a>.<\/p>\n<h2>Gre\u0161ke koje poni\u0161tavaju povrat novca<\/h2>\n<ul>\n<li><strong>Otvorite trgovinu putem preglednika ili aplikacije.<\/strong> Bez kori\u0161tenja poveznice za aplikaciju za povrat novca, nema pra\u0107enja.<\/li>\n<li><strong>Kupon izvan aplikacije.<\/strong> To je naj\u010de\u0161\u0107i slu\u010daj otkazivanja.<\/li>\n<li><strong>Dje\u010dja kolica su bila prethodno sastavljena.<\/strong> Narud\u017eba obi\u010dno ide do posljednjeg polazi\u0161ta koje ju je pratilo: ispraznite ko\u0161aricu, prijavite se putem aplikacije i ponovno je sastavite.<\/li>\n<li><strong>Otkazivanje, povrat ili zamjena.<\/strong> Provizija se poni\u0161tava i povrat novca se uklju\u010duje, \u010dak i ako je ve\u0107 potvr\u0111ena.<\/li>\n<li><strong>Kupnja isklju\u010dena iz kategorije.<\/strong> Vitrina pokazuje &quot;do 6%&quot;, na kartici pi\u0161e &quot;elektronika: 0%&quot;. Kartica je pravilna.<\/li>\n<\/ul>\n<h2>Koliko dolazi mjese\u010dno, u brojkama?<\/h2>\n<p>Povrat novca je popust na potro\u0161nju, a izra\u010dun pokazuje njegovu veli\u010dinu. Netko tko mjese\u010dno potro\u0161i 500 R$ online, uvijek putem aplikacije, s prosje\u010dnim povratom od 3%, dobiva 15 R$. Dodavanjem kartice koja vra\u0107a 1% u R$ 1500 ra\u010duna, mjese\u010dno na kraju ispadne oko 30 R$. To je novac koji je prije ostajao kod posrednika; to jednostavno nije prihod.<\/p>\n<p>Kupnja ne\u010dega za &quot;zara\u0111ivanje povrata novca&quot; zna\u010di potro\u0161iti 100 R$ da biste primili 3 R$. Aplikacija funkcionira tako da se uklapa u va\u0161u uobi\u010dajenu rutinu kupovine, a skala je ista kao i kod pla\u0107enih anketa i mikrozadataka, kao \u0161to je prikazano u... <a href=\"https:\/\/tikmobiles.com\/hr\/zaradite-s-aplikacijama\/\">Vodi\u010d kroz vrste prihoda ostvarenih putem mobilnih telefona i koliko svaka od njih pla\u0107a.<\/a>.<\/p>\n<h2>Uobi\u010dajena pitanja<\/h2>\n<h3>Mogu li dobiti povrat novca i iz aplikacije i s kartice za istu kupnju?<\/h3>\n<p>Da, i to je naju\u010dinkovitija kombinacija. Povrat novca za aplikaciju dolazi od partnerske provizije; povrat novca za karticu dolazi od naknade koju trgovac pla\u0107a mre\u017ei kartica i izdavatelju. To su neovisni izvori i me\u0111usobno se ne poni\u0161tavaju, osim kada uvjeti i odredbe trgovine isklju\u010duju odre\u0111eni na\u010din pla\u0107anja.<\/p>\n<h3>Kupio\/la sam putem aplikacije, ali narud\u017eba se nije pojavila na mom izvodu. \u0160to sad?<\/h3>\n<p>Pri\u010dekajte da istekne razdoblje automatske registracije i ako se ni\u0161ta ne pojavi, otvorite obrazac za neregistriranu kupnju s brojem narud\u017ebe, datumom i iznosom; aplikacija \u0107e tada obavijestiti trgovinu. Ako je kupnja obavljena prema utvr\u0111enom postupku, a aplikacija je odbije bez opravdanja, mo\u017eete podnijeti pritu\u017ebu na [naziv web-stranice\/platforme]. <a href=\"https:\/\/www.consumidor.gov.br\/\">consumer.gov.br<\/a>.<\/p>\n<h3>Napla\u0107uje li aplikacija naknadu za isplatu?<\/h3>\n<p>Ne. Pet spomenutih aplikacija besplatno je na Google Playu, a iskori\u0161tenje stanja je besplatno. Svaka poruka u kojoj se tra\u017ei polog, &quot;naknada za osloba\u0111anje&quot; ili pla\u0107anje za otklju\u010davanje povrata novca je prijevara, \u010dak i ako koristi naziv jedne od tih aplikacija.<\/p>\n<h3>Radi li na iPhoneu?<\/h3>\n<p>Radi. M\u00e9liuz i Cuponomia dostupni su na brazilskoj App Store trgovini, s ocjenama 4,8 odnosno 4,9, a Zoom ima i iOS verziju. Pra\u0107enje je isto: kupnja mora zapo\u010deti u aplikaciji, a zavr\u0161iti u pregledniku koji je otvoren.<\/p>\n<p>Prvi korak traje pet minuta: instalirajte M\u00e9liuz ili Cuponomia, otvorite stranicu trgovine u kojoj biste obavili sljede\u0107u kupnju i pro\u010ditajte informacije do retka s kuponom. Sljede\u0107a kupnja \u0107e se zatim obraditi putem aplikacije.<\/p>\n<h2>Pro\u010ditajte tako\u0111er<\/h2>\n<ul class=\"tk-leia\">\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/aplikacije-za-kupone-za-ustedu-novca\/\">Aplikacije za u\u0161tedu novca: usporedite cijene i prona\u0111ite kupone prije kupnje.<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/shein-kuponi-za-besplatnu-odjecu\/\">SHEIN kuponi: usporedite popuste, bodove i povrat novca u aplikaciji.<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/zaradite-s-aplikacijama\/\">Zara\u0111ivanje novca s aplikacijama: koliko svaka vrsta aplikacije pla\u0107a mjese\u010dno<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/hr\/najbolje-aplikacije-za-digitalne-banke\/\">Digitalne banke: najbolje aplikacije za besplatne ra\u010dune i kartice bez godi\u0161nje naknade<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Vou ser direto: cashback n\u00e3o \u00e9 presente da loja. \u00c9 a comiss\u00e3o que a loja paga ao aplicativo por ter levado voc\u00ea at\u00e9 ela, e o\u2026<\/p>","protected":false},"author":1,"featured_media":31078,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"mobile-allow":"","post-descricao":"","texto-interacao":"","bt-1":"","lk-1":"","bt-2":"","lk-2":"","bt-3":"","lk-3":"","bt-4":"","lk-4":"","_revidia_rewards_active":"","footnotes":""},"categories":[21],"tags":[],"class_list":["post-30459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financeiro"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Apps de cashback: onde o dinheiro de volta cai e quanto tempo demora - Tik Mobiles<\/title>\n<meta name=\"description\" content=\"Cashback \u00e9 a comiss\u00e3o que a loja paga ao app e ele reparte com voc\u00ea. 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