It's common to wonder about your card type when traveling or registering it in apps.
Is the Picnic card debit or credit?
The Picnic card is an international debit card. It does not work with monthly bills, pre-approved limits, or installment purchases. You must have available balance in your account to make transactions, and the amount is deducted immediately.
The credit confusion in Brazil
When using the card in physical stores in Brazil, the merchant must select the "credit" function on the card machine. This happens because many Brazilian card machines only recognize international cards through the credit network. Even so, the amount is deducted from your balance immediately (debit function) and the purchase is declined if there is not enough balance.
Frequently Asked Questions
Can I make installment purchases with the Picnic card? No. The card operates exclusively with the available balance and all purchases must be paid in full.
Why was my purchase declined if I have balance? Confirm if the merchant tried to process it as "credit". Transactions as "debit" on Brazilian card machines will be rejected by the system.
Still need help? If your card is declined even with the correct function, contact our team via chat.
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