Payment Policy

Version updated on February 24, 2021

Hotpay, Hotmart's exclusive payment system, serves as a facilitator of payment transactions between Producers and Buyers, allowing Producers to focus on what they do best: develop quality products.

Hotpay is governed by this Payment Policy, which is part of Hotmart's Terms of Use. You should read the following conditions carefully, because they contain important information about the access or use of Hotpay-related features.

After you accept this Policy, Hotmart automatically grants you a non-exclusive license to use Hotpay. The features contained in Hotpay are licensed as-is. They can be modified, replaced or removed at any time without prior notice. If you do not agree with a new version of the Payment Policy, you must stop using your Hotmart account. This Policy and its respective updates take precedence over any proposals, contracts, previous understandings and agreements, verbal or written, that may exist between you and Hotmart.

To make this Policy easier to read, we offer a Glossary on this link, which lists the meaning of the expressions that start with capital letters in the Hotmart Terms, as well as in this or other Hotmart Policies.


A. This Policy regulates access or use of Hotpay for transactions made in Real (BRL) currency between Users who, in their account on the Platform, declare their residence in Brazil.

B. By accepting this Policy and using the Platform, under the conditions described in the previous paragraph, the company, with which you are entering the contract, is Launch Pad Tecnologia, Serviços e Pagamentos Ltda. (also known as Hotmart BR), a legal entity under private law, registered with CNPJ/ME under No. 13.427.325/0001-05, headquartered in Belo Horizonte, State of Minas Gerais, at Avenida Assis Chateaubriand, nº 499, Bairro Floresta , CEP 30.150-101, which acts as a business intermediary. This company may be called Hotmart BR or simply Hotmart throughout this Policy.

C. If you, or your company, change the country of domicile, the Hotmart Services relative to Hotpay will be made available by Hotmart B.V., a Dutch company, based in Singel 542, 1017 AZ Amsterdam, Netherlands, registration No. 60335777, as a reseller of content, and your access to or use of the Platform will be governed by Hotmart's Terms of Use for International Transactions.

D. By accepting this Policy, you acknowledge that you know and agree with its content and with the other applicable Policies, including the Privacy Policy, which, although presented in separate texts, are an integral part of Hotmart's Terms of Use for Brazil.

E. The official language of this Policy is Brazilian Portuguese. Any language version of this Policy is a translation offered as a courtesy. In case of conflict, the version in Portuguese shall prevail.


1.1. Scope of Hotpay Services: The Hotpay payment system is a Hotmart service that processes the payment instructions made by Buyers and settles them for Users, according to the rules and procedures determined in this Policy and Hotmart Terms. By offering Hotpay, Hotmart BR acts as a payment institution, subject to applicable laws and regulations. Hotpay allows Users to: (a) pay for the purchase of Products registered on the Platform, if they are Buyers; (b) receive the amounts related to the sale of their Products, if they are Producers; (c) pay Affiliates or Coproducers the amounts owed for the sale of Products, if they are Producers; (d) receive from the Producer the amounts related to the sale of Products, if they are Affiliates or Coproducers; and (e) purchase Products using the balance of the payment account at Hotmart.

1.2. Inexistence of financial institution or credit card services: Hotpay Services are not, and are not intended to be, comparable to the services offered by financial institutions or credit card companies or accreditors. Hotpay is merely a facilitator of payment transactions between Platform Users, with the payment of transactions taking place on their behalf and at their request. Hotmart BR is not a financial institution and does not directly perform credit operations.

1.3. Third Party Services: Transactions made with Products registered on the Platform can only be paid through the features contained in Hotpay. For this purpose, Hotmart may use payment methods from third parties and partner companies to receive payments, pay amounts or advance receivables from transactions (such as banking institutions, credit card companies and other credit entities). In such cases, there may be different terms and conditions with which you must comply. Hotmart is not responsible for the availability or accuracy of these Third-Party Services.

1.4. Provision of Additional Third-Party Services: Hotmart may allow its partners (such as financial institutions and banking correspondents) to offer their services in an aggregate manner to Hotpay Services. Also, in these cases, different terms and conditions that you must comply with may apply, and Hotmart is not responsible for the availability or accuracy of these Third Party Services.

1.5. Taxes: Taxes are a complex matter. Hotmart BR is not responsible for the payment of taxes for which its Users are the taxpayers or liable. It is up to the Users to pay the taxes for which they are liable, according to the applicable law. The tax obligations may vary according to your specific situation, so we recommend that you research about it and consult specialized professionals for detailed information.


2.1. Hotpay access: Once all eligibility, registration and access requirements set forth in the Hotmart Terms have been met, at the time Producers register on the Platform, they agree and request that Hotmart: (a) receive the price paid by the Buyer; (b) pay the Affiliate the compensation established by the Producer, if any; (c) deduct the compensation owed to Hotmart for the use of its resources; and (d) pay the remaining amount owed to the Producers to their Hotmart payment.

2.2. User information confirmation: In addition to the actions provided in the Terms, Hotmart reserves the right to use all valid means to confirm the information provided by the User to allow their use of Hotpay, if it is deemed necessary. Hotmart may also request additional information and documents it deems pertinent, such as income reports, bank account ownership certificates and full bank statements. Hotmart may also consult databases maintained by third parties and credit restriction databases. By accepting this Policy, you authorize Hotmart to perform these procedures.

2.3. Use of Hotpay: You are obliged to take all necessary precautions to prevent third parties from using your account on your behalf. You are responsible for the commercial transactions, payments and financial transactions made on your behalf by third parties, albeit without your authorization, if those third parties have access, without the sole fault of Hotmart, to your password or other information.

2.4. Banking secrecy and data protection: In compliance with the Privacy Policy and other applicable laws, Hotmart cannot provide Producers with any Buyer information related to payment transactions, to operations carried out or to be carried out by Buyers on the Platform, even in case of exclusion of the Producer from the Platform. The payment data collected through Hotpay are in no way stored on the Platform, nor may they be passed on to the Producer, who is not the controller of this data.


3.1. Hotpay as an exclusive payment method on the Platform: Hotpay's payment solutions are exclusive for Platform Users. Hotmart does not make any payment to Producers who do not accept Hotpay as a payment method for the Products they offer or to any third party. Hotmart also does not make payments to Producers whose accounts are inactive or blocked on the Platform.

3.2. Confirmation of payment instruction: When choosing to make a payment through Hotpay, the Buyer must provide all the banking information requested to make it. The Buyer's instruction shall be considered irrevocably and irreversibly granted when Hotmart confirms to the Buyer, the successful receipt of the information sent regarding the transaction.

3.3. Making payments through Hotpay: Once Hotmart receives confirmation that the transaction has been approved by the participants of the payment arrangement, Hotmart shall make the amounts owed to the User available in their payment account maintained on the Platform, except in those cases in which Hotmart is authorized to suspend or cancel the payments, as provided in the Terms and of this Policy. Hotmart shall also make these amounts available by observing the: (a) eventual occurrence of chargebacks or refund requests; (b) the expiry of the warranty terms or the exercise of the right of repentance by the Buyer; and the (c) eventual plan of anticipation of receivables contracted by the Producer.

3.4. Buyer’s responsibility for the information provided: The Buyer is the sole responsible for all acts that they practice related to the payment instruction. The Buyer must provide true, complete and accurate information. Hotmart is not responsible for any property or non-monetary damages, resulting from any failure, untruthfulness or incompleteness attributable to the Buyer at the time of filling in the information regarding the payment instruction.

3.5. Request for refund: If the Buyer performs a transaction and feels harmed regarding the quality of the Product purchased, they may send a complaint through this link, within the periods of guarantee or right of repentance applicable to the respective transaction, observing the applicable legislation. Hotmart must inform the Producer about it, who will have 5 calendar days to reply to the complaint in a justified manner, or to solve the problem. If the Producer does not contact Hotmart within this period, Hotmart may fully reimburse the Buyer the amounts paid, whose amount shall be deducted from the balance of the Producer's payment account. For further information on disputes and refunds, we suggest you check Section 10 of the Hotmart Terms.

3.6. Hotmart collaboration in case of refund request: The Hotpay Services regarding disputes and refunds are provided only to facilitate and track the payment transaction process between Buyer and Producer. Thus, by using Hotpay, you acknowledge that any payment transaction, when made, occurs directly between the Producer and the Buyer. Hotmart is not part of the supply chain of the Products purchased, and cannot be considered a supplier, provider, agent or broker.


4.1. Transactions between Users with different currencies: Hotpay is an international payment system, which allows Producers to offer its Products to Buyers who use different payment currencies. Producers, who wish to make transactions with Buyers who declare to reside in different countries, may need to exchange their currency in order for the payment transaction to be completed, and thus, having oscillations derived from the exchange variation. The rules in this section regarding Producers also apply to Affiliates.

4.2. Display of Product prices in currencies other than the offer: As a rule, the price of the product in a currency other than the offer will be displayed in US dollars. To improve the buying experience on the Platform, in some cases, Hotpay can convert the price of the Product to the Buyer's local currency, applying the exchange rate according to market standards. This conversion serves solely for the Buyer to view the offer in the currency of their preference, but the currency actually used in the payment transaction must follow the rules regarding currency conversion mentioned in this Section.

4.3. Currency Conversion: Although the Platform allows Buyers to view the Product’s price in several currencies, the number of currencies available for Users to make and receive payments may be limited. Thus, the currencies available for payment transactions may not include a particular Buyer or Producer’s local currency, which may require currency conversions. Foreign currency conversions are processed by means of exchange rate based on information collected periodically from third parties.

4.4. Transactions with foreign currencies: Any transaction made by a Buyer using a payment currency other than the one listed in the Producer's offer, shall be converted to the payment currency used by the Buyer, according to the exchange rate applicable at the time of the transaction. This rate may vary throughout the day, and may also vary between the day of approval of the payment transaction and the day on which the amount is made available for withdrawal. Therefore, the Producer may receive payments of different amounts for the sale of the same Product, depending on these variations, even if the Producer chooses to receive the payments only in local currency.

4.5. Producer's option to receive in local or foreign currency: The Producer can choose to receive payments for their sales only in local currency, or also in foreign currency. If the Producer chooses to receive payments for their sales in local currency only, the amount to be received by the Producer may vary due to the exchange rate variation that has occurred between the day the payment transaction was approved and the day the amount is made available for withdrawal. If the Producer also chooses to receive for their sales in foreign currency, Hotmart must credit the Producer's account with the amount in foreign currency corresponding to the conversion of the price of each sale the Producer makes with Buyers who use foreign currency for payment. The exchange rate of foreign currency may vary between the dates of the sale and the request for withdrawal, or use of the balance of the payment account for purchases on the Platform, and therefore, the Producer may receive for each sale, an amount lower or higher than the one announced in their offer.

4.6. Hotpay currencies: Hotmart makes payment transactions on Hotpay with the following currencies: (a) with purchase currency in Brazilian Real (BRL), between Users that declare that both are domiciled in Brazil; (b) with purchase currency in Euro (EUR), between Users that declare that both are domiciled in the European Union; or, (c) in American dollars (USD) as the purchase currency, between any other Users. Hotmart reserves the right, at its sole discretion, to make payments in other currencies, without this being considered novation or tacit acceptance by Hotmart, of any modification of the conditions and rules set forth in this Policy.

4.7. Accumulation and redemption of values: The definition of currencies that can be used in the accumulation and redemption of values by Users is at Hotmart’s sole discretion, based on its commercial agreements and its regulatory limitations.

4.7.1. Redemption of amounts arising from sales made in foreign currencies: When the User who declares domicile in Brazil requests, in whole or in part, the withdrawal of the balance resulting from sales made in foreign currencies, the request will be handled by Hotmart BV. The amount to be withdrawn will be converted into BRL and the payment will be processed through Hotmart BV partner companies.

4.7.2. Hotmart is not responsible for conversion and withdrawal operations derived from sales made in foreign currencies: Hotmart is not responsible for the services provided by third parties in the processing of currency conversion and withdrawal. You should contact the respective processor directly in case of problems. The currency conversion rates used in these transactions are informed by the processor, without Hotmart having no participation in this operation. Hotmart is not responsible for any property or non-monetary damages, resulting from third-party services in currency conversion and withdrawal processing.

4.7.3. Impact of operating costs on the final balance: By accepting this Policy, you declare that you understand and agree that, in case of performing transactions with foreign currencies, the final balance to be redeemed from the amounts resulting from your sales, may be impacted by causes beyond Hotmart's responsibility and control, such as the applicable daily exchange rate, the exchange rate variation between the dates of sales and withdrawals, the currencies involved in the processing, the exchange rate rules of institutions (financial or otherwise), taxes or fees charged by third parties. Hotmart is not responsible for any property or non-currency damages resulting from such causes.


5.1. Producer Rates: The use of Hotpay’s features by Producers is subject to the payment of two fees: the License Fee and the Service Fee. They are charged only when the Products are sold, at the time the transaction is approved, when these fees are deducted from the final amount charged by the Producer. These fees are charged cumulatively, according to the amounts below.

5.2. License Fee: This is a fixed amount, applicable according to the purchase currency used by the Buyer in the transaction, according to the amounts indicated in Table 1 below:

BRL 1.00
USD 0.50
EUR 0.50

5.3. Service Fee: The amount of the Service Fee varies according to the Product’s price. If the Product is sold for up to BRL 10.00, the Service Fee will be fixed, at the rate of 20% over the price of the Product. From BRL 10.01, the Service Fee will be 9.9% over the price of the Product.

5.4. Micro transactions: If the price of the Product, according to the offer’s currency, is equal or lower than the amounts described in Table 2 below, the License and Service Fees shall observe the following parameters:

Offer’s Currency
Maximum Transaction Amount
License Fee
Service Fee
BRL 10.00
BRL 1.00
USD 15.00
USD 0.10
€ 15.00
€ 0.10

5.5. Basis for calculating the Service Fee: In any of the cases mentioned above, the Service Fee will always be applied to the sale’s price paid upfront, already considering the conversion of the offer’s price for the purchase’s currency used by the Buyer.

5.6. Management Fee due to Inactivity: Hotmart may, at its sole discretion, charge a monthly management fee for inactive accounts, equivalent to BRL 10.00 or 5% of the balance in the User's payment account, whichever is higher. This fee may be charged to the total balance of the inactive account at the end of each month. For the purposes of this fee, an account is considered inactive if, within a period of more than twelve months, the User: (a) does not make any withdrawals, as long as there is ​​available balance; (b) does not create any Product; or (c) does not release any Hotlinks.

5.7. Costs Applicable to Affiliates and Buyers: Hotpay services are free of charge for access and use by Buyers and Affiliates. However, charges may arise from financial transactions performed by these Users, such as the anticipation of receivables by Affiliates, or the installment payment or use of different payment methods by Buyers.

5.8. Fee changes: The fees mentioned in this Section, their respective types of payment, payment methods and billing might be changed at any time, at Hotmart's sole discretion, upon prior notification to Users.


6.1. Additional Features: Hotmart can offer additional features to facilitate payment transactions between Users by means of Hotpay, such as, and among others: (a) the possibility of offering the installment plan price for the Product; (b) the possibility of Users to receive the installment plan price of a certain Product in advance; or, (c) the possibility of Users to anticipate the right to withdraw accumulated amounts in their payment account. The use of these additional features may be subject to the payment of additional fees by the User, which will always be informed before the hiring of the specific feature.


7.1. Recurring billing: Hotmart offers Users the recurring billing feature, a form billing mode that is scheduled and processed by Hotpay, and allows Buyers to access the Product for a certain time, as defined by the Producer, through periodic payments. This mode is useful for Producers who sell Products whose availability is continuous. The recurring billing may also be called a "subscription" on the Hotmart website and communications. By means of the recurring billing, the Purchaser authorizes Hotmart beforehand to charge for the availability of the Product during the periods predefined by the Producer. Once the Purchaser chooses this form of billing, it can no longer be changed for the same Product.

7.2. Features for recurring billing: When choosing the recurring billing mode, the Buyer must keep the information regarding the payment method chosen for the subscription updated in their Hotmart account. Therefore, if Hotmart is unable to charge the subscription fees because the Buyer has cancelled the payment method used to access the Product, or for failing to maintain the information regarding the payment method updated, the availability of access to the Product may be suspended until the recurring billing is settled. Thus, by signing up for a subscription, you understand and accept that Hotmart is not obliged to compensate you for any property or non-monetary damages arising from the interruption of access to the Product.


8.1. Purchases with the Hotmart account balance: A User who is a Producer or Affiliate can use their Hotmart payment account balance to purchase Products. If you use your Hotmart balance, the amounts corresponding to the purchase made will be deducted from the amounts available for redemption, resulting from your sales. If the balance in your account is not sufficient to complete the purchase of the desired Product, Hotmart will not approve the transaction. The Hotmart account balance may only be used for BRL transactions between Users who, in their Hotmart accounts, declare to be both domiciled in Brazil.

8.2. Daily limit: Hotmart may, at its discretion, establish daily limits for the use of the User's account balance with Hotmart for the payment of Products. If the price of the desired Product is higher than the applicable limit, or if you do not have sufficient balance to make a specific purchase, you may pay the remaining amount by using a credit card as a payment method.


9.1. Anticipation of receivables: In credit card, cash or installment plan transactions, the Producer or Affiliate may ask to receive the full amount of the sale in less than 30 days after the confirmation that the payment transaction has been approved.

9.2. Request for the anticipation of receivables: The anticipation of receivables occurs upon User request, subject to analysis by Hotmart. In order to formalize these operations, you agree to answer eventual questions from Hotmart for the validation of commercial transactions. Hotmart may request Users to send documents, and may adopt the procedures it deems necessary to register, confirm and formalize the operations. Users authorize Hotmart to perform such procedures.

9.3. Form of anticipation of receivables: The anticipation of receivables may take place through different legal structures, at Hotmart's sole discretion, such as (a) in the form of prepayment to be made by Hotmart or its partners, or, (b) in the form of assignments of credit rights.

9.4. Anticipation of receivables through the assignment of credit rights: If the operation is structured as an assignment of credit rights, Hotmart may appoint the third assignee, at Hotmart's sole discretion, from the request of anticipation of receivables by the User (the third party may consist of an investment fund). This assignment shall imply in the definitive transfer of ownership of the credit rights to the third party determined by Hotmart, so that these rights shall no longer be part of the User's assets as of the confirmation of the request for advance payment of receivables by the User. Thus, by requesting the advance payment of receivables, you acknowledge and accept that Hotmart may promote the assignment of receivables from your sales of Products by credit card to Hotmart's partner institutions, which offer this advance payment operation, without Hotmart's co-obligation.

9.5. Constituting Hotmart as representative: By choosing to anticipate receivables, the User irrevocably and irreversibly constitutes, under the terms of articles 684 and 685 of the Brazilian Civil Code, Hotmart as its representative to negotiate and conclude the necessary acts to constitute the anticipation before the third parties chosen by Hotmart. And Hotmart may perform any acts, and sign any documents, in the name and on behalf of the User, which are necessary or desirable for that purpose.

9.6. Provision of Information to the acquirers of credit rights: By choosing to anticipate receivables, the User undertakes to provide all information requested by the assignees of the receivables, either directly or through Hotmart. This information may involve the User's personal information, information regarding the commercial transactions performed by the User, and the operations carried out by the User on the Platform.

9.7. Responsibility for the assigned receivables: By requesting the anticipation of receivables, you acknowledge and accept that you are responsible for the good formalization, correct constitution, existence, liquidity and certainty of the receivables assigned. Therefore, you accept your full responsibility for reversals, debts and cancellations occurred regarding the receivables, including, if motivated by Product vices or defects that are attributable to you. In such cases, you shall reimburse the third-party assignee determined by Hotmart, either in full or in part, for the amounts reversed or cancelled in the benefit of the Buyers.

9.8. Prohibition from negotiating the assigned credit rights: By requesting the anticipation of receivables, the User acknowledges and agrees that he/she can no longer negotiate them to third parties in general, being prohibited from assigning them, selling them or giving them in guarantee. Thus, by requesting the anticipation of receivables, you acknowledge and agree that you may not, under any circumstances, contract credit operations before financial institutions granting as guarantee the receivables constituted, or to be constituted, arising from the transactions performed on the Platform. If you negotiate the assigned receivables, measures, such as (a) the blocking of the amounts transferred, or to be transferred, to your payment account, up to the limit of the credit operation contracted by the User; and (b) the blocking of the User from the Platform, may be applied.

9.9. Termination of receivable anticipations: Hotmart reserves the right to cease offering anticipation of receivables at any time.


10.1. Withdrawal deadlines: Producers registered and qualified on the Platform may request the redemption of the accumulated amounts of sales made, after a period of 30 days from the date Hotmart receives confirmation that the transaction has been approved by the payment arrangement participants. Hotmart may stop calculating sales amounts that are affected by chargebacks, complaints or objections regarding payment transactions.

10.1.1. Hotmart has no obligation, under any circumstances, to initiate chargeback dispute requests submitted by Buyers and will deduct the amounts from those due to Producers and Affiliates. Disputes made out of sheer liberality do not oblige Hotmart in future cases.

10.2. Withdrawal fee and minimum amount: The withdrawal of cumulative sales amounts is subject to: (a) the payment of the withdrawal fee applicable to each withdrawal operation requested by the User; and (b) the withdrawal of a minimum amount for each operation. The User may not request the withdrawal of accumulated amounts of sales made, if the balance is less than the amount necessary for the payment of the withdrawal fee, and the withdrawal of the minimum amount. The withdrawal fee and minimum withdrawal amounts are available at this link, and may be modified at any time by Hotmart upon prior notice.

10.3. Payments made after the User's change of residence: All purchase requests and consequent payment transactions made after the User requests the change of domicile, will be processed by Hotmart B.V. To do so, the User must update their registration and inform the bank account in the new country of domicile. The User's payment account balance at Hotmart BR can only be withdrawn, in whole or in part, through the bank account maintained in Brazil previously informed by the User.


11.1. User account irregularities: Due to the applicable regulations, Hotmart may need to check the information provided by Users before authorizing the use of Hotpay for procedures such as, balance redemption, use of the balance for purchases or anticipation of receivables, among others. Hotmart will inform Users who are registered irregularly or incompletely. Hotmart may block any withdrawal operation and suspend access to User sales’ links if the User does not provide the necessary adjustments within 30 days from Hotmart's notification regarding them.

11.2. Suspected fraud: All payment transactions made by means of Hotpay are checked by the risk management mechanisms integrated to the Platform, and may be refused whenever Hotmart understands that there are indications of fraud to the payment methods, or infringement of the law, or of Hotmart's Terms.

11.3. Preventive measures regarding payment transactions: Hotmart may refuse to approve a transaction, block withdrawals, or block payment accounts, at any time, even after confirmation of a transaction’s payment, and regardless of whether or not a dispute has been opened by Users, in the following cases, notwithstanding others: (a) if Hotmart understands that there are indications that the User, the Product or the transaction is in disagreement with the Hotmart Terms; (b) if Hotmart finds that the information regarding the transaction is incomplete, untrue or inaccurate; (c) if the Producer does not provide adequate information when requested by Hotmart; (d) if Hotmart finds that the transaction exposes Users or Hotmart itself to excessive risk due to the characteristics of the transaction, the Product, the volumes or the delivery times; (e) if Hotmart observes that the adoption of any of these measures is necessary to protect the security of Hotmart itself, or of its employees, collaborators, representatives, agents or partners; (f) if Hotmart is included in any judicial or administrative proceeding regarding a payment transaction, and the User does not take the necessary measures to exclude Hotmart from the respective proceeding, exempting it from any liability, as described in Hotmart's Terms and in this Policy; (g) if Hotmart becomes aware that the User has failed to comply with an order from public authorities; (h) in compliance with any legal requirement, judicial decision or determination by a competent public authority addressed to Hotmart; (i) if Hotmart verifies the existence of amounts that are overdue and unpaid by the User.

11.4. Blocked withdrawals or payment accounts at Hotmart: In any of the cases provided for in the previous paragraph, if you do not remedy the information regarding the transactions, do not provide satisfactory clarifications, or do not offer the necessary guarantees required by Hotmart, it may definitely refuse to approve the payment transaction, refuse a specific withdrawal request, block any withdrawal, or even block your payment account on the Platform. Hotmart shall use its best efforts to cancel the corresponding payments or transactions, as well as reverse the respective amounts to the Buyers, notwithstanding the extinction of Hotmart Services, and the application of other applicable measures according to the Hotmart Terms.