Frequently Asked Questions


Parcela Já created an advanced system of instalment payments that allow you to manage your personal finance better, without burdening your available funding. It allows you to proceed with any purchase, paying monthly, without any related bureaucracy or interests.
Visit one of our partner’s stores; choose the product/service you want to purchase and, when checking out, say that you wish to pay with Parcela Já. For that you only need your citizen card, mobile phone and credit card. The purchase is validated within seconds.
To buy with Parcela Já, you must have the amount of the first instalment payment available on your credit card. Until the end of the payment, we will take the due monthly value concerning the instalment plan you have selected.
Any return/cancellation must be dealt with directly at the store where you made the purchase. The store will later contact Parcela Já it will refund the amount charged to your credit card.
If you have lost your credit card or if it was stolen, you shall: 1. Contact your bank immediately requesting the cancellation of your credit card; 2. Send an email to informing that the credit card has been cancelled; 3. Parcela Já will send a document you will need to fill out with your new credit card details, and we will add it to your instalment plan.
Parcela Já will always charge your instalment monthly fee on the same day of the purchase. For example, if you make a purchase on the 15th, the remaining instalments will be charged on the 15th of each month. Pay attention to the fact that, depending on the type of products or services purchased, a pre-authorization of the outstanding monthly fee may be carried out up to 5 days before the actual billing date.
Parcela Já service is completely free for customers. No interests or added values will be charged. However, there may be small collection costs whenever the customer is late in paying.
Parcela Já accepts any VISA or MASTERCARD credit card issued in Portugal. We only accept personal cards. Company cards are not accepted.
No, the use of residence permits or EU registration certificates is not valid, even if they have a Portuguese credit card.
Parcela Já operates in any market segment and whenever participating stores comply with all contractual requirements. If your favourite store does not yet have the Parcela Já solution, it is possible that this will happen very soon.
In Parcela Já no longer there is any extra cost associated with the purchase. That is, if you make a purchase worth €200, with payment in instalments 2x, you will only have to pay €100 at the time of purchase and the remaining €100 30 days later.
The 1st instalment is charged to your credit card upon purchase.
You can send an email to or call +351 210 200 919.


The credit card must be associated to a purchase that has been already cancelled. The merchant must contact Parcela Já and inform that the customer wishes to cancel the purchase. After that, Parcela Já will inform the merchant of the next steps. Sometimes, refunds cannot be made directly to the customer's credit card and a bank transfer will have to be made.
For any cancellation/refund, the merchant must contact Parcela Já directly via phone or email. Once the contact has been made, the cancellation process will be initiated. Refunds to credit cards have a short time limit after the capture of the first instalment, and this option will only be possible within this limited period of time.
Only companies that have to have a Permanent Certificate and Company Taxpayer can join our payment system. Individual Entrepreneurs cannot join.
You can send an email to or call +351 210 200 919.
Yes, at this time it is only possible to use the card via the magnetic strip.
To find out the conditions at the time of the Parcela Já service, please contact via email or call +351 210 200 919.
  • Parcela Ja, Sp z o. o. ul. SZELAGOWSKA, nr 49,
  • 61-626 POZNAN REGON: 384378956, NIP: 9721303480