{"id":30454,"date":"2025-02-21T13:37:16","date_gmt":"2025-02-21T13:37:16","guid":{"rendered":"https:\/\/tikmobiles.com\/?p=30454"},"modified":"2026-09-08T16:51:15","modified_gmt":"2026-09-08T16:51:15","slug":"%d0%be%d0%bf%d0%bb%d0%b0%d1%87%d0%b8%d0%b2%d0%b0%d1%82%d1%8c-%d1%81%d1%87%d0%b5%d1%82%d0%b0-%d0%bf%d0%be-%d1%87%d0%b0%d1%81%d1%82%d1%8f%d0%bc-%d1%87%d0%b5%d1%80%d0%b5%d0%b7-%d0%bc%d0%be%d0%b1%d0%b8","status":"publish","type":"post","link":"https:\/\/tikmobiles.com\/ru\/parcelar-boleto-pelo-celular\/","title":{"rendered":"\u041e\u043f\u043b\u0430\u0442\u0430 \u0441\u0447\u0435\u0442\u043e\u0432 \u0432 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443 \u0447\u0435\u0440\u0435\u0437 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0439 \u0442\u0435\u043b\u0435\u0444\u043e\u043d: \u043a\u0430\u043a\u0438\u0435 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u044d\u0442\u043e \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u044e\u0442 \u0438 \u043a\u0430\u043a\u043e\u0439 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0439 \u0434\u043e\u0445\u043e\u0434 \u043d\u0430\u0447\u0438\u0441\u043b\u044f\u0435\u0442\u0441\u044f?"},"content":{"rendered":"<p>Parcelar um boleto acrescenta custos ao valor original. Como exemplo matem\u00e1tico, R$ 300 financiados em 12 parcelas \u00e0 taxa hipot\u00e9tica de 3,99% ao m\u00eas resultam em aproximadamente R$ 31,95 por parcela, antes de outros encargos. Isso n\u00e3o \u00e9 uma proposta de nenhum aplicativo: a tela da sua opera\u00e7\u00e3o deve informar o total efetivo a pagar.<\/p>\n<p>Esse \u00e9 o n\u00famero que nenhum app coloca na chamada, mas que todos mostram na tela de confirma\u00e7\u00e3o. Eu fui atr\u00e1s das p\u00e1ginas oficiais de RecargaPay, Mercado Pago, PagBank, PicPay e Nubank para saber como cada um cobra, quantas parcelas libera e se aceita cart\u00e3o de outro banco.<\/p>\n<p>Parcelar um boleto pode ser uma op\u00e7\u00e3o pontual, mas exige verificar custo, prazo de compensa\u00e7\u00e3o e capacidade de pagar as pr\u00f3ximas faturas. Uma opera\u00e7\u00e3o aprovada n\u00e3o garante evitar a suspens\u00e3o de um servi\u00e7o que j\u00e1 esteja em cobran\u00e7a. Contate o credor quando houver urg\u00eancia e compare uma renegocia\u00e7\u00e3o antes de assumir um novo compromisso.<\/p>\n<h2>O que acontece quando voc\u00ea parcela um boleto no app<\/h2>\n<p>O app paga o boleto \u00e0 vista para quem emitiu (a companhia de luz, a escola, a loja) e lan\u00e7a o valor no seu cart\u00e3o de cr\u00e9dito. O credor recebe tudo de uma vez e nem fica sabendo que voc\u00ea parcelou. Quem passa a ser seu credor \u00e9 o cart\u00e3o.<\/p>\n<p>O parcelamento \u00e9 uma opera\u00e7\u00e3o contratada no aplicativo, sujeita a elegibilidade, limite, encargos e prazo de processamento. O limite necess\u00e1rio pode incluir custos al\u00e9m do valor original. Consulte se h\u00e1 IOF e como ele foi calculado; n\u00e3o some estimativas por conta pr\u00f3pria a um total que j\u00e1 inclua o imposto. A confirma\u00e7\u00e3o no app tamb\u00e9m n\u00e3o garante baixa imediata no emissor.<\/p>\n<h2>Quanto custa: taxa do app, juros ao m\u00eas e IOF<\/h2>\n<p>O pre\u00e7o final tem tr\u00eas camadas, e o app soma as tr\u00eas antes de voc\u00ea confirmar:<\/p>\n<ul>\n<li><strong>Taxa de servi\u00e7o<\/strong> pelo uso do cart\u00e3o, cobrada mesmo \u00e0 vista. No RecargaPay ela \u00e9 de 3,99% com Apple Pay, Google Pay ou cart\u00e3o RecargaPay e de 4,99% com os demais cart\u00f5es; o Mercado Pago informa uma faixa de 3,99% a 6,49% sobre o valor do boleto.<\/li>\n<li><strong>Juros do parcelamento<\/strong>, cobrados ao m\u00eas sobre o saldo. O Mercado Pago diz que come\u00e7am em cerca de 3,99% ao m\u00eas; o RecargaPay publica 4,14% em 3 vezes, 3,05% em 6, 2,67% em 10 e 2,08% em 12. PagBank, PicPay e Nubank s\u00f3 mostram a taxa na simula\u00e7\u00e3o dentro do app.<\/li>\n<li><strong>IOF:<\/strong> quando aplic\u00e1vel, confira o imposto indicado para a opera\u00e7\u00e3o e seu prazo. O c\u00e1lculo pode depender das datas e da estrutura do cr\u00e9dito. A regulamenta\u00e7\u00e3o est\u00e1 no <a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/_ato2007-2010\/2007\/decreto\/d6306.htm\">Decreto 6.306 e suas altera\u00e7\u00f5es<\/a>; use o valor formal da proposta para comparar custos.<\/li>\n<\/ul>\n<p>Esse pacote \u00e9 resumido no Custo Efetivo Total, o CET, que o Conselho Monet\u00e1rio Nacional obriga a informar em cr\u00e9dito para pessoa f\u00edsica. Ele j\u00e1 inclui taxa, juros e imposto, em porcentagem ao ano, e \u00e9 o dado a comparar com pagar com o dinheiro da conta.<\/p>\n<h3>Um boleto de R$ 300 na conta de padaria<\/h3>\n<p>O exemplo usa uma taxa hipot\u00e9tica de 3,99% ao m\u00eas e parcelas iguais pela f\u00f3rmula Price. Os valores abaixo servem para visualizar o efeito do prazo, sem representar oferta comercial. IOF, tarifas e forma de cobran\u00e7a dependem da opera\u00e7\u00e3o e devem ser lidos no total apresentado pelo aplicativo:<\/p>\n<ul>\n<li>\u00c0 vista no Pix, no d\u00e9bito ou no saldo da conta: R$ 300,00.<\/li>\n<li>No cart\u00e3o \u00e0 vista, com taxa de servi\u00e7o de 4,99%: R$ 314,97.<\/li>\n<li>Em 6 vezes: 6 parcelas de R$ 57,21, total de R$ 343,26, antes de impostos e tarifas aplic\u00e1veis.<\/li>\n<li>Em 12 vezes: 12 parcelas de R$ 31,95, total de R$ 383,40, antes de impostos e tarifas aplic\u00e1veis.<\/li>\n<\/ul>\n<p>Uma parcela pequena pode esconder um total maior. No exemplo, o total de parcelas fica aproximadamente R$ 83,40 acima do principal, antes de eventuais impostos e tarifas. Compare o total efetivo exibido para sua opera\u00e7\u00e3o e confirme se os encargos j\u00e1 est\u00e3o embutidos, evitando cont\u00e1-los duas vezes.<\/p>\n<h2>Como parcelar um boleto no app, passo a passo<\/h2>\n<p>O caminho \u00e9 o mesmo nos cinco apps, com pequenas diferen\u00e7as de nome de menu:<\/p>\n<ol>\n<li>Abra o app e toque em Pagar. No PagBank o menu \u00e9 &#8220;Pagar contas&#8221;; no Mercado Pago, &#8220;Boletos e tributos&#8221;; no Nubank, &#8220;Pagar boleto com Cart\u00e3o de Cr\u00e9dito&#8221;.<\/li>\n<li>Aponte a c\u00e2mera para o c\u00f3digo de barras ou digite a linha num\u00e9rica. O app mostra emissor, valor e vencimento; confira os tr\u00eas.<\/li>\n<li>Escolha o cart\u00e3o de cr\u00e9dito como forma de pagamento. RecargaPay, PagBank e PicPay aceitam cart\u00e3o de outras institui\u00e7\u00f5es; no Nubank s\u00f3 o cart\u00e3o Nubank.<\/li>\n<li>Escolha o n\u00famero de parcelas. Nesta tela aparecem o valor de cada parcela, o total, os juros ao m\u00eas, o IOF e o CET.<\/li>\n<li>Confirme com senha ou biometria e guarde o comprovante. A baixa no emissor pode demorar dias \u00fateis; n\u00e3o deixe para o dia do corte.<\/li>\n<\/ol>\n<h2>Quais apps parcelam boleto no cart\u00e3o de cr\u00e9dito<\/h2>\n<p>Os cinco abaixo est\u00e3o na Google Play e descrevem o recurso na pr\u00f3pria central de ajuda ou no blog oficial. A coluna de taxa s\u00f3 traz o que cada empresa publica.<\/p>\n<table>\n<thead>\n<tr>\n<th>\u041f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0435<\/th>\n<th>Parcelas m\u00e1ximas<\/th>\n<th>Cart\u00e3o de outro banco<\/th>\n<th>Taxa publicada<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>RecargaPay<\/td>\n<td>18x com Apple Pay ou Google Pay; 12x nos demais cart\u00f5es<\/td>\n<td>\u0414\u0430<\/td>\n<td>3,99% a 4,99% \u00e0 vista; juros de 2,08% a 4,14% ao m\u00eas<\/td>\n<\/tr>\n<tr>\n<td>\u041c\u0435\u0440\u043a\u0430\u0434\u043e \u041f\u0430\u0433\u043e<\/td>\n<td>12x<\/td>\n<td>\u041d\u0435 \u043f\u0440\u043e\u0438\u043d\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d<\/td>\n<td>3,99% a 6,49% de servi\u00e7o; juros a partir de 3,99% ao m\u00eas<\/td>\n<\/tr>\n<tr>\n<td>\u041f\u0430\u0433\u0411\u0430\u043d\u043a<\/td>\n<td>12x<\/td>\n<td>\u0414\u0430<\/td>\n<td>S\u00f3 na simula\u00e7\u00e3o<\/td>\n<\/tr>\n<tr>\n<td>PicPay<\/td>\n<td>S\u00f3 na simula\u00e7\u00e3o<\/td>\n<td>\u0414\u0430<\/td>\n<td>S\u00f3 na simula\u00e7\u00e3o<\/td>\n<\/tr>\n<tr>\n<td>\u041d\u0443\u0431\u0430\u043d\u043a<\/td>\n<td>12x<\/td>\n<td>N\u00e3o, s\u00f3 cart\u00e3o Nubank<\/td>\n<td>S\u00f3 na simula\u00e7\u00e3o<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>RecargaPay: at\u00e9 18 vezes e tabela de juros p\u00fablica<\/h3>\n<p>\u00c9 o \u00fanico dos cinco que publica a tabela inteira de juros na p\u00e1gina de pagamento de contas, e o \u00fanico que chega a 18 parcelas, desde que o cart\u00e3o esteja na Apple Pay ou no Google Pay; com o n\u00famero digitado, o teto \u00e9 12. Aceita Visa, Mastercard, Elo, Hipercard e American Express de qualquer banco, e o valor exibido antes de confirmar j\u00e1 inclui IOF e encargos.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/8xuk94KqShAoDd3k7HZtCXPj1vDXS9XDS44hotCsdS-za-O7orHv2Wt3ILQ-5eDjyBL51mATNrxtxKfS3UTGIbw\" alt=\"RecargaPay: Pix Cart\u00e3o e Conta Logo\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">RecargaPay: Pix Cart\u00e3o e Conta<\/h3>  <span class=\"app-category\">\u0430\u043d\u0434\u0440\u043e\u0438\u0434<\/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=\"\u0420\u0435\u0439\u0442\u0438\u043d\u0433 4,8 \u0438\u0437 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/ru\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2F8xuk94KqShAoDd3k7HZtCXPj1vDXS9XDS44hotCsdS-za-O7orHv2Wt3ILQ-5eDjyBL51mATNrxtxKfS3UTGIbw&title=RecargaPay%3A+Pix+Cart%C3%A3o+e+Conta&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.recarga.recarga\" class=\"download-btn\" id=\"download-btn-0\" data-instance=\"1\" data-title=\"RecargaPay: Pix Cart\u00e3o e Conta\">  <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\">\u041f\u043e\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c \u0432 Google Play<\/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: \"RecargaPay: Pix Cart\u00e3o e Conta\",\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: \"RecargaPay: Pix Cart\u00e3o e Conta\",\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<h3>Mercado Pago: at\u00e9 12 vezes com CET na tela<\/h3>\n<p>Dentro de &#8220;Boletos e tributos&#8221;, o app oferece saldo, d\u00e9bito ou cr\u00e9dito. No cr\u00e9dito voc\u00ea escolhe at\u00e9 12 parcelas e v\u00ea o valor de cada uma j\u00e1 com taxa de servi\u00e7o, juros e IOF, al\u00e9m do CET. O blog oficial coloca a taxa de servi\u00e7o entre 3,99% e 6,49% e os juros a partir de 3,99% ao m\u00eas, subindo conforme o n\u00famero de parcelas.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/-WB4u-r62cAEy8kImGb4-pXGcr2T-nC71c54xJO4m1aIRtKb2eI2pW_rm7AZg6tEpOL1ZTdIiozUMHgA6eZFl9Y\" alt=\"\u041c\u0435\u0440\u043a\u0430\u0434\u043e \u041f\u0430\u0433\u043e: \u041b\u043e\u0433\u043e\u0442\u0438\u043f Banco Digital\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Mercado Pago: \u0426\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0431\u0430\u043d\u043a<\/h3>  <span class=\"app-category\">\u0430\u043d\u0434\u0440\u043e\u0438\u0434<\/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: 4.90;\" aria-label=\"\u0420\u0435\u0439\u0442\u0438\u043d\u0433 4,9 \u0438\u0437 5\"><\/span>  <span class=\"rating-text\">4,9<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/ru\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2F-WB4u-r62cAEy8kImGb4-pXGcr2T-nC71c54xJO4m1aIRtKb2eI2pW_rm7AZg6tEpOL1ZTdIiozUMHgA6eZFl9Y&title=Mercado+Pago%3A+Banco+Digital&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.mercadopago.wallet\" class=\"download-btn\" id=\"download-btn-1\" data-instance=\"2\" data-title=\"Mercado Pago: Banco Digital\">  <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\">\u041f\u043e\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c \u0432 Google Play<\/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: \"Mercado Pago: Banco Digital\",\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: \"Mercado Pago: Banco Digital\",\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<h3>PagBank: qualquer cart\u00e3o, at\u00e9 12 vezes<\/h3>\n<p>Em &#8220;Pagar contas&#8221;, depois &#8220;Pagar com cart\u00e3o de cr\u00e9dito&#8221;, o PagBank aceita cart\u00e3o de cr\u00e9dito de qualquer banco e operadora, divide em at\u00e9 12 vezes e exibe o valor das parcelas antes da confirma\u00e7\u00e3o. A taxa n\u00e3o est\u00e1 publicada fora do app; a central de ajuda manda consultar na simula\u00e7\u00e3o.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/X-KPLh6j19b9C0qz38_pO1lbpug_HOOwRkYaZFdrdFzMFlv2Vg1gsZ9RDjFrlUgj0LPlwSVqLVW5Q9lqJaG5aQ\" alt=\"Banco PagBank: Conta, Tap On + Logo\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">PagBank Bank: \u0441\u0447\u0435\u0442, \u043d\u0430\u0436\u043c\u0438\u0442\u0435 +<\/h3>  <span class=\"app-category\">\u0430\u043d\u0434\u0440\u043e\u0438\u0434<\/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: 4.90;\" aria-label=\"\u0420\u0435\u0439\u0442\u0438\u043d\u0433 4,9 \u0438\u0437 5\"><\/span>  <span class=\"rating-text\">4,9<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/ru\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FX-KPLh6j19b9C0qz38_pO1lbpug_HOOwRkYaZFdrdFzMFlv2Vg1gsZ9RDjFrlUgj0LPlwSVqLVW5Q9lqJaG5aQ&title=Banco+PagBank%3A+Conta%2C+Tap+On+%2B&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dbr.com.uol.ps.myaccount\" class=\"download-btn\" id=\"download-btn-2\" data-instance=\"3\" data-title=\"Banco PagBank: Conta, Tap On +\">  <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\">\u041f\u043e\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c \u0432 Google Play<\/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: \"Banco PagBank: Conta, Tap On +\",\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: \"Banco PagBank: Conta, Tap On +\",\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<h3>PicPay: total com taxa antes de confirmar<\/h3>\n<p>O PicPay paga boleto no cart\u00e3o de cr\u00e9dito e a central de ajuda \u00e9 objetiva: pode haver taxa, e o valor total aparece no app antes da confirma\u00e7\u00e3o. O n\u00famero m\u00e1ximo de parcelas e a taxa do boleto n\u00e3o est\u00e3o publicados fora do app, ent\u00e3o a \u00fanica forma de saber o custo \u00e9 ler o c\u00f3digo de barras e olhar a simula\u00e7\u00e3o.<\/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 Bank: \u043a\u0430\u0440\u0442\u0430, Pix \u0438 \u043b\u043e\u0433\u043e\u0442\u0438\u043f +\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">PicPay Bank: \u043a\u0430\u0440\u0442\u044b, Pix \u0438 \u043c\u043d\u043e\u0433\u043e\u0435 \u0434\u0440\u0443\u0433\u043e\u0435.<\/h3>  <span class=\"app-category\">\u0430\u043d\u0434\u0440\u043e\u0438\u0434<\/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=\"\u0420\u0435\u0439\u0442\u0438\u043d\u0433 4,6 \u0438\u0437 5\"><\/span>  <span class=\"rating-text\">4,6<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/ru\/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-3\" data-instance=\"4\" 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\">\u041f\u043e\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c \u0432 Google Play<\/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: \"Banco PicPay: Cart\u00e3o, Pix e +\",\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: \"Banco PicPay: Cart\u00e3o, Pix e +\",\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<h3>Nubank: s\u00f3 com o cart\u00e3o Nubank, de 1 a 12 vezes<\/h3>\n<p>No app do Nubank o caminho \u00e9 Pagar, depois &#8220;Pagar boleto com Cart\u00e3o de Cr\u00e9dito&#8221;. O parcelamento vai de 1 a 12 vezes com juros, e antes de confirmar aparece a tela de revis\u00e3o com emissor, parcelas, total, taxa de juros e IOF. O valor entra na fatura aberta e nas seguintes, e o reconhecimento do pagamento pode levar at\u00e9 tr\u00eas dias \u00fateis.<\/p>\n<div class=\"app-card\">  <div class=\"app-header\">    <img decoding=\"async\" src=\"https:\/\/play-lh.googleusercontent.com\/FP6PILGwB6hrdvwg_mE8H1MKi2AcRDbHJcdg7WMfjiHbs4-ZZhYSMtgibkpeakstu1UeNHL4TGCo1l0mV2qkQa4\" alt=\"Nubank: \u0441\u0447\u0435\u0442, \u043a\u0430\u0440\u0442\u0430 \u0438 \u043c\u043d\u043e\u0433\u043e\u0435 \u0434\u0440\u0443\u0433\u043e\u0435. \u041b\u043e\u0433\u043e\u0442\u0438\u043f\" class=\"app-logo\" loading=\"lazy\">    <div class=\"app-title-container\">      <h3 class=\"app-title\">Nubank: \u0441\u0447\u0435\u0442, \u043a\u0430\u0440\u0442\u0430 \u0438 \u043c\u043d\u043e\u0433\u043e\u0435 \u0434\u0440\u0443\u0433\u043e\u0435.<\/h3>  <span class=\"app-category\">\u0430\u043d\u0434\u0440\u043e\u0438\u0434<\/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=\"\u0420\u0435\u0439\u0442\u0438\u043d\u0433 4,8 \u0438\u0437 5\"><\/span>  <span class=\"rating-text\">4,8<\/span><\/div><\/div><a href=\"https:\/\/tikmobiles.com\/ru\/baixar-agora?thumb=https%3A%2F%2Fplay-lh.googleusercontent.com%2FFP6PILGwB6hrdvwg_mE8H1MKi2AcRDbHJcdg7WMfjiHbs4-ZZhYSMtgibkpeakstu1UeNHL4TGCo1l0mV2qkQa4&title=Nubank%3A+conta%2C+cart%C3%A3o+e+mais&get=https%3A%2F%2Fplay.google.com%2Fstore%2Fapps%2Fdetails%3Fid%3Dcom.nu.production\" class=\"download-btn\" id=\"download-btn-4\" data-instance=\"5\" data-title=\"Nubank: conta, cart\u00e3o e mais\">  <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\">\u041f\u043e\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c \u0432 Google Play<\/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: \"Nubank: conta, cart\u00e3o e mais\",\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: \"Nubank: conta, cart\u00e3o e mais\",\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>O que o seu banco j\u00e1 faz de gra\u00e7a<\/h2>\n<p>Antes de usar cr\u00e9dito, consulte pagamento com saldo, agendamento e uma negocia\u00e7\u00e3o direta do vencimento com o credor. N\u00e3o h\u00e1 garantia de que a data possa ser alterada sem custo. Se a conta j\u00e1 venceu, pe\u00e7a o valor atualizado e confira as consequ\u00eancias do atraso, especialmente em servi\u00e7os essenciais ou contratos com garantia.<\/p>\n<p>O custo do atraso depende do contrato e da natureza da obriga\u00e7\u00e3o. O CDC limita a multa de mora em situa\u00e7\u00f5es abrangidas pelo artigo 52, mas isso n\u00e3o elimina juros nem outras consequ\u00eancias aplic\u00e1veis. Compare a proposta formal do credor com o custo do parcelamento, sem presumir que atrasar por poucos dias ser\u00e1 sempre a alternativa mais barata ou segura.<\/p>\n<p>Evite pagar um boleto no cr\u00e9dito sem prever o pagamento das pr\u00f3ximas faturas. Se a fatura entrar no rotativo, surge outro financiamento, com custos pr\u00f3prios. O limite legal de juros e encargos do rotativo e do parcelamento da fatura n\u00e3o transforma cr\u00e9dito caro em solu\u00e7\u00e3o sustent\u00e1vel. Compare a opera\u00e7\u00e3o completa e a renda dispon\u00edvel ap\u00f3s despesas essenciais.<\/p>\n<p>Quem tem conta em mais de um banco pode conferir qual cobra menos; o <a href=\"https:\/\/tikmobiles.com\/ru\/%d1%86%d0%b8%d1%84%d1%80%d0%be%d0%b2%d1%8b%d0%b5-%d0%b1%d0%b0%d0%bd%d0%ba%d0%b8-%d0%bb%d1%83%d1%87%d1%88%d0%b8%d0%b5-%d0%bf%d1%80%d0%b8%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d1%8f\/\">comparativo de bancos digitais com conta gr\u00e1tis e cart\u00e3o sem anuidade<\/a> mostra o que cada app d\u00e1 sem tarifa.<\/p>\n<h2>Quando parcelar o boleto compensa<\/h2>\n<p>A r\u00e9gua \u00e9 o custo do atraso. Quando atrasar custa mais que os juros do parcelamento, o app se paga. Tr\u00eas situa\u00e7\u00f5es caem nessa conta:<\/p>\n<ul>\n<li><strong>Corte de servi\u00e7o essencial.<\/strong> Pela Resolu\u00e7\u00e3o 1.000 da ANEEL, a distribuidora de energia avisa com 15 dias de anteced\u00eancia antes de cortar por falta de pagamento, n\u00e3o corta em sexta, s\u00e1bado, domingo ou feriado, e religa em at\u00e9 24 horas na \u00e1rea urbana; as regras est\u00e3o na p\u00e1gina <a href=\"https:\/\/www.gov.br\/aneel\/pt-br\/consumidores\/como-resolver\">Como resolver<\/a> da ag\u00eancia. Se o aviso j\u00e1 veio e o dinheiro s\u00f3 entra no m\u00eas que vem, doze parcelas custam menos que dias sem luz.<\/li>\n<li><strong>Negativa\u00e7\u00e3o.<\/strong> Boleto de loja, escola e plano de sa\u00fade vai para o cadastro de inadimplentes depois do vencimento, e nome negativado trava cr\u00e9dito, financiamento e aluguel por meses.<\/li>\n<li><strong>Emerg\u00eancia com data.<\/strong> Conserto do carro, rem\u00e9dio, matr\u00edcula com prazo. O boleto tem uma data, o sal\u00e1rio tem outra, e o app cobre a diferen\u00e7a.<\/li>\n<\/ul>\n<p>N\u00e3o compensa em tr\u00eas outras: boleto que o credor aceita renegociar (escola, condom\u00ednio e operadora parcelam direto quando voc\u00ea pede, em geral com juros menores), fatura de outro cart\u00e3o (d\u00edvida cara trocada por d\u00edvida cara com taxa em cima) e d\u00edvida antiga em cobran\u00e7a, que rende desconto na negocia\u00e7\u00e3o. Para esses casos, o <a href=\"https:\/\/tikmobiles.com\/ru\/%d0%bf%d1%80%d0%b8%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d1%8f-%d0%b4%d0%bb%d1%8f-%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%be%d0%bb%d1%8f-%d0%b7%d0%b0%d0%b4%d0%be%d0%bb%d0%b6%d0%b5%d0%bd%d0%bd%d0%be%d1%81\/\">guia de apps para mapear e negociar d\u00edvidas pelo celular<\/a> \u00e9 o caminho antes do cart\u00e3o.<\/p>\n<h2>Erros comuns que encarecem o parcelamento<\/h2>\n<ul>\n<li><strong>Olhar a parcela e n\u00e3o o total.<\/strong> A tela de confirma\u00e7\u00e3o tem os dois; o total \u00e9 o que voc\u00ea paga.<\/li>\n<li><strong>Parcelar no dia do vencimento e contar com a baixa na hora.<\/strong> A compensa\u00e7\u00e3o segue o prazo normal do boleto, e o corte de luz n\u00e3o espera o app.<\/li>\n<li><strong>Escolher 12 vezes por h\u00e1bito.<\/strong> Um boleto de R$ 300 em 3 vezes custa uma fra\u00e7\u00e3o dos juros de 12; escolha a menor quantidade de parcelas que cabe no m\u00eas.<\/li>\n<li><strong>Somar parcelamentos.<\/strong> Tr\u00eas boletos parcelados em meses seguidos viram uma fatura que n\u00e3o fecha, porque cada um ocupa limite e cobra juros pr\u00f3prios.<\/li>\n<\/ul>\n<p>O ant\u00eddoto para parcelamentos somados \u00e9 um or\u00e7amento que enxerga as parcelas futuras; o guia sobre <a href=\"https:\/\/tikmobiles.com\/ru\/%d1%8d%d0%ba%d0%be%d0%bd%d0%be%d0%bc%d1%8c%d1%82%d0%b5-%d0%b4%d0%b5%d0%bd%d1%8c%d0%b3%d0%b8-%d1%81-%d0%bf%d0%be%d0%bc%d0%be%d1%89%d1%8c%d1%8e-%d0%bf%d1%80%d0%b8%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8\/\">como montar e seguir um or\u00e7amento mensal com apps<\/a> mostra como registrar cada parcela nos meses em que ela cai.<\/p>\n<h2>Como esses apps ganham dinheiro com o seu boleto<\/h2>\n<p>O dinheiro sai do caixa de algu\u00e9m no dia do pagamento: o app, ou a financeira por tr\u00e1s dele, adianta o valor ao credor e assume o risco de voc\u00ea n\u00e3o pagar a fatura. A remunera\u00e7\u00e3o vem de duas pontas: a taxa de servi\u00e7o, cobrada de todo mundo, inclusive de quem paga \u00e0 vista no cart\u00e3o, e os juros do parcelamento, cobrados de quem divide. O IOF vai para a Receita Federal; o app s\u00f3 recolhe.<\/p>\n<p>Quanto mais o app depende do cr\u00e9dito, mais o bot\u00e3o de parcelar aparece na frente do bot\u00e3o de pagar no saldo. O cashback entra nessa economia como isca de compra, n\u00e3o como desconto de boleto; para entender de onde ele sai, leia <a href=\"https:\/\/tikmobiles.com\/ru\/%d0%ba%d1%8d%d1%88%d0%b1%d1%8d%d0%ba-%d0%bf%d1%80%d0%b8%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d1%8f-%d0%bf%d0%be%d0%bb%d1%83%d1%87%d0%b0%d1%8e%d1%82-%d0%b4%d0%b5%d0%bd%d1%8c%d0%b3%d0%b8\/\">onde o dinheiro de volta do cashback cai e quanto tempo demora<\/a>.<\/p>\n<h2>\u041e\u0431\u0449\u0438\u0435 \u0432\u043e\u043f\u0440\u043e\u0441\u044b<\/h2>\n<h3>D\u00e1 para parcelar boleto vencido?<\/h3>\n<p>Depende do emissor. Boleto registrado recalcula multa e juros depois do vencimento, e o app mostra o valor atualizado quando o pagamento est\u00e1 liberado. Quando o emissor n\u00e3o permite pagar ap\u00f3s a data, o app recusa a leitura; pe\u00e7a uma segunda via no site ou no app do credor e leia o c\u00f3digo novo.<\/p>\n<h3>Posso usar o cart\u00e3o de outro banco?<\/h3>\n<p>RecargaPay, PagBank e PicPay aceitam cart\u00e3o de cr\u00e9dito de outras institui\u00e7\u00f5es; o Nubank s\u00f3 parcela boleto com o cart\u00e3o Nubank. Em todos os casos, o limite dispon\u00edvel precisa cobrir o valor cheio do boleto, mesmo que a cobran\u00e7a venha dividida na fatura.<\/p>\n<h3>Como o parcelamento aparece na fatura?<\/h3>\n<p>Com o nome do app e o n\u00famero da parcela, n\u00e3o com o nome do credor. Guarde o comprovante do app para cruzar com a fatura quando ela fechar.<\/p>\n<h3>O boleto \u00e9 pago na hora?<\/h3>\n<p>O app confirma na hora, mas a baixa no emissor segue o prazo comum de compensa\u00e7\u00e3o, que pode chegar a tr\u00eas dias \u00fateis. Para conta com corte marcado, pague com folga e guarde o comprovante para mostrar \u00e0 distribuidora.<\/p>\n<p>O primeiro passo custa nada: abra o app do seu banco, leia o c\u00f3digo de barras e veja se o boleto cabe no saldo ou no d\u00e9bito agendado. Se n\u00e3o cabe e o corte est\u00e1 batendo \u00e0 porta, leia o mesmo c\u00f3digo no app de parcelamento, anote o CET da tela de confirma\u00e7\u00e3o e escolha o menor n\u00famero de parcelas que fecha o m\u00eas.<\/p>\n<h2>\u0427\u0438\u0442\u0430\u0439\u0442\u0435 \u0442\u0430\u043a\u0436\u0435<\/h2>\n<ul class=\"tk-leia\">\n<li><a href=\"https:\/\/tikmobiles.com\/ru\/%d0%bf%d1%80%d0%b8%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d1%8f-%d0%b4%d0%bb%d1%8f-%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%be%d0%bb%d1%8f-%d0%b7%d0%b0%d0%b4%d0%be%d0%bb%d0%b6%d0%b5%d0%bd%d0%bd%d0%be%d1%81\/\">\u041f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0434\u043e\u043b\u0433\u0430\u043c\u0438: \u0441\u043e\u0441\u0442\u0430\u0432\u044c\u0442\u0435 \u043f\u043b\u0430\u043d \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u044f \u0437\u0430\u0434\u043e\u043b\u0436\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0438 \u0434\u043e\u0433\u043e\u0432\u0430\u0440\u0438\u0432\u0430\u0439\u0442\u0435\u0441\u044c \u043e \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u0438 \u0434\u043e\u043b\u0433\u043e\u0432 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u043e\u0433\u043e \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0430.<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/ru\/%d1%86%d0%b8%d1%84%d1%80%d0%be%d0%b2%d1%8b%d0%b5-%d0%b1%d0%b0%d0%bd%d0%ba%d0%b8-%d0%bb%d1%83%d1%87%d1%88%d0%b8%d0%b5-%d0%bf%d1%80%d0%b8%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d1%8f\/\">\u0426\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u0431\u0430\u043d\u043a\u0438: \u043b\u0443\u0447\u0448\u0438\u0435 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b\u0445 \u0441\u0447\u0435\u0442\u043e\u0432 \u0438 \u043a\u0430\u0440\u0442 \u0431\u0435\u0437 \u0433\u043e\u0434\u043e\u0432\u043e\u0439 \u043f\u043b\u0430\u0442\u044b.<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/ru\/%d1%8d%d0%ba%d0%be%d0%bd%d0%be%d0%bc%d1%8c%d1%82%d0%b5-%d0%b4%d0%b5%d0%bd%d1%8c%d0%b3%d0%b8-%d1%81-%d0%bf%d0%be%d0%bc%d0%be%d1%89%d1%8c%d1%8e-%d0%bf%d1%80%d0%b8%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8\/\">\u042d\u043a\u043e\u043d\u043e\u043c\u0438\u044f \u0434\u0435\u043d\u0435\u0433 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0439: \u043a\u0430\u043a \u0441\u043e\u0441\u0442\u0430\u0432\u0438\u0442\u044c \u0438 \u0441\u043e\u0431\u043b\u044e\u0434\u0430\u0442\u044c \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u0431\u044e\u0434\u0436\u0435\u0442<\/a><\/li>\n<li><a href=\"https:\/\/tikmobiles.com\/ru\/%d0%ba%d1%8d%d1%88%d0%b1%d1%8d%d0%ba-%d0%bf%d1%80%d0%b8%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d1%8f-%d0%bf%d0%be%d0%bb%d1%83%d1%87%d0%b0%d1%8e%d1%82-%d0%b4%d0%b5%d0%bd%d1%8c%d0%b3%d0%b8\/\">\u041f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u043a\u044d\u0448\u0431\u044d\u043a\u0430: \u043a\u0443\u0434\u0430 \u043f\u043e\u0441\u0442\u0443\u043f\u0430\u044e\u0442 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0438 \u0441\u043a\u043e\u043b\u044c\u043a\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u044d\u0442\u043e \u0437\u0430\u043d\u0438\u043c\u0430\u0435\u0442.<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Parcelar um boleto acrescenta custos ao valor original. Como exemplo matem\u00e1tico, R$ 300 financiados em 12 parcelas \u00e0 taxa hipot\u00e9tica de 3,99% ao m\u00eas resultam em\u2026<\/p>","protected":false},"author":1,"featured_media":31080,"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-30454","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>Parcelar boleto pelo celular: quais apps fazem e quanto custa em juros - Tik Mobiles<\/title>\n<meta name=\"description\" content=\"RecargaPay, Mercado Pago, PagBank, PicPay e Nubank pagam boleto no cart\u00e3o parcelado. 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