What currency am I charged in, and why are prices shown in dollars?
If you're in Uruguay, you pay in Uruguayan pesos through Mercado Pago. In any other country, you pay in US dollars through PayPal. That's not a preference of ours: PayPal doesn't support Argentine pesos at all, and only accepts Brazilian reais for accounts registered in Brazil. Today, the dollar is the currency PayPal can charge anyone in any country — that's why the price is always shown in dollars, except in Uruguay.
Prices are shown in dollars. If I pay from Uruguay, am I charged in dollars?
No. The reference price is always shown in dollars, but if you pay with Mercado Pago the charge happens in Uruguayan pesos, at Mercado Pago's exchange rate at the time of the transaction. The peso amount may not exactly match a conversion you work out yourself.
Who converts the currency, and can I get a better rate?
By default, PayPal converts your payment to dollars, with a margin of roughly 3% to 4% over the reference exchange rate. If your card allows it, you can choose to have your own bank handle the conversion instead of PayPal — and you'll usually get a better rate than PayPal's. That option appears at checkout; it's worth checking before you confirm.
I'm paying from Argentina or Brazil — is anything different?
First, the most important part: to pay by card through PayPal, your bank needs to have it enabled for international online purchases. This is by far the most common reason a payment gets declined — and it's fixed with a call to your bank, asking them to enable that kind of purchase.
In Brazil, international card purchases carry a tax called IOF, at 3.5%. It's charged by your card issuer, not by PayPal or Segesio, and it applies to subscriptions like this one too.
In Argentina, the USD 200 monthly cap that used to exist is gone. What does apply is a 30% advance withholding toward income tax (Ganancias) on foreign-currency spending: it's an advance, not a total loss — a good part of it can be recovered when you file your annual tax return. One more thing worth knowing: you can't top up a PayPal balance using an Argentine credit card.
What happens if a payment fails?
You don't lose access all at once. If a recurring charge fails, we email you and you enter a grace period (10 days by default) during which you keep using the platform normally. If the payment isn't recovered within that time, the account switches to read-only mode until you update it.
Will you add more payment methods?
We're evaluating other options. For now, the two available are Mercado Pago (Uruguay) and PayPal (rest of the world).