# Charging by credit card

> Why the card produces a single charge, and what the instalment fields actually do.

## What you will get

Card accepted on your plan, with the difference that confuses nearly everyone
settled first: **the card does not produce a payment book**.

## The difference that changes everything

With bank slips and PIX, twelve instalments become **twelve charges**, one a
month. On the card, twelve instalments become **one charge**, for the whole
amount.

The splitting happens on the student's card bill, not at the school. The school
receives it all at once; the student pays their own bank over twelve months.

That is why, on an enrolment paid by card, the instalment panel shows **a single
row, with the full amount and no due date**. It is not a bug.

## The card fields

![Credit card block on the plan form, with max instalments, interest-free instalments and retry days](/Apps/edupay/ajuda/plano-cartao.png)
*The first two describe your offer on the screens. The third is the one this article asks you to leave alone for now.*

**Max instalments** and **Interest-free installments** build the sentence the
buyer reads — *"up to 10x, 6x interest-free"* — on the plans list, on the
enrolment screen and on the sales page.

Worth knowing what they **do not** do: they do not configure the card machine.
How many instalments the student can actually pick at checkout, and who pays the
interest, are set on your payment account — not here.

Treat the two as the commercial description of your offer, and keep them aligned
with what your payment account really offers.

## The Retry days field

**Leave it blank.** The hint underneath promises the system will try the charge
again before marking the student as defaulted, and **that retry does not happen
today** — the value stored there is read by no routine.

Until that changes: a declined card is not retried on its own, and the school has
to watch open instalments through the financial report.

## When the card pays off

- **A quick sale**, where the family decides on the spot.
- **A lower-value course**, where a payment book is not worth the work.
- **Immediate cash**, when the school's cash flow is tight.

For long monthly commitments, bank slips and PIX stay more predictable — and
cheaper, because card instalment fees add up.

## How you know it worked

> [certo]
> On the plans list, the **Credit card** column starts showing *até 10x* and,
> underneath, *6x sem juros*. On the enrolment, the card appears among the
> payment methods.

## If something goes wrong

> [erro]
> **A card enrolment produced a single instalment.** That is the correct
> behaviour. The splitting happens on the student's bill.
>
> **The card instalment has no due date.** Also expected: the bank's bill sets the
> date.
>
> **The student managed to split it into more parts than you configured.** The
> **Max instalments** field describes the offer, but does not limit what the
> payment account offers at checkout.
>
> **A payment was declined and nobody was told.** That is a known limitation: the
> refusal is recorded on the instalment and triggers no notice. Check open
> instalments regularly.


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https://edupay.estudiosite.com/en/ajuda/getting-started/charging-by-credit-card
2026-08-05