PTENES
← Back to the site

Can you pay a dollar subscription without IOF?

Updated on October 23, 2026

No payment method is exempt by promise: Brazil's 3.5 % IOF applies when a bank card pays in foreign currency. With a dollar-balance card the subscription comes straight out of the balance, and bank IOF can only show up on a bank-card top-up.

Issue virtual card

Can you pay a dollar subscription without IOF?

Can you pay a dollar subscription without IOF?

You cannot be promised an exemption, but you can see where the tax enters: the 3.5 % IOF on card purchases abroad (Decree 12,499/2025) is charged by the bank when it converts a dollar subscription into reais. With a dollar balance, the subscription charge itself involves no conversion.

A USDT top-up goes straight into the dollar balance with no bank IOF. This guide is informational, not tax advice: for your case, ask the Brazilian tax authority (Receita Federal) or an accountant.

How does each way of paying charge a dollar subscription?

  • Bank credit or debit card: the bank converts the dollar amount into reais at its own rate and adds IOF on the converted amount.
  • Dollar-balance card topped up with a bank card: the subscription comes out of the balance; the conversion and any IOF your bank charges show on the top-up, in the bank statement.
  • Dollar-balance card topped up with USDT: the subscription comes out of the balance and the top-up lands in dollars, with no bank IOF.

How do I pay a dollar subscription from a dollar balance, step by step?

  1. Open the Guarapay app or the Telegram mini app @guarapay_bot and create an account.
  2. Issue the virtual Visa card; it is ready in about two minutes.
  3. Top up with USDT or with a Visa or Mastercard bank card in your own name, for the subscription amount plus US$ 0.25.
  4. On the service's site, enter the card details, name and billing address as they appear in the app.
  5. Check that the price is in dollars and confirm; the charge notification reaches the app right away.

How much does it cost to pay a dollar subscription with the card?

  • One-off issue fee: US$ 10 on Standard or US$ 100 on Premium; no monthly fee.
  • Top-up fee: 2% with USDT on Standard and 1% on Premium; 5% with a bank card on both plans.
  • US$ 0.25 per approved purchase, taken from the balance with the purchase; a declined purchase is not charged.
  • Monthly spending limit: US$ 10,000 on Standard and US$ 100,000 on Premium.

How do I add up the monthly cost of a dollar subscription?

  1. Write down the subscription price in dollars: US$ X.
  2. Add the per-purchase fee: X + US$ 0.25.
  3. Apply the top-up fee to that total: 2% with USDT on Standard or 5% with a bank card.
  4. On a bank-card top-up, look in the bank statement for the exchange rate and IOF charged.
  5. Add everything for the monthly cost and multiply by 12 for the yearly cost.

Sources

FAQ

Does a dollar subscription have IOF?

When a bank card pays in foreign currency, the 3.5 % IOF applies to the converted amount; with a dollar balance the conversion happens at top-up, not when the subscription is charged.

Does paying with USDT remove IOF?

The bank takes no part in a USDT top-up, so there is no bank IOF on it; this guide is not tax advice, and each operation follows the law.

What is the IOF on cards abroad today?

3.5 % under Decree 12,499/2025; the rate is set by decree and can change, so check the official text before large purchases.

Does a dollar subscription renew on its own?

Most do; keep balance on the card before the renewal date and freeze the card in the app if you want to pause charges.

More guides