Payment Terms and Conditions

Como dizer “pagamento à vista”, “parcelado”, dentre outros termos relacionados:

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42 respostas para “Payment Terms and Conditions”

  1. When I am purchasing anything, most of it over the internet, I always ask for the lump sum, then I ask for a discount to pay in cash whether it doesn’t work I pay it by credit card in some installments and so I anticipate all the installments from the credit card and get my discount anyway.

  2. Hello,
    This watch is too expensive.
    How much it cost if I pay in cash, please?
    Can you tell me what’s the interest rate that including in this price?
    I’d like this watch but can you give a discount?

    1. Excellent, Wagner!! I loved that you’ve simulated a conversation!! GREAT JOB!!

      Just a few points:
      – How much does it cost…
      – the interest rate that’s included in this price?
      – I’d like to buy this watch…

  3. Last year I met some countries in Europe. I found it strange that the stores did not sell in installments, only credit card with bullet payment or in cash. It’s a good way to control your finance, because you just make the buy when you have the lump sum and don’t get debt.

    1. That’s right, Caio!! In most countries, it is not usual to buy everything in installments. Usually it’s only for more expensive things, like a car, a house, perhaps large/expensive home appliances such as a tv or a fridge.

      Paying for everything in installments is a Brazilian habit, hehehe.

      Just one thing:
      – Last year I visited some countries… OR I went to some countries (we don’t say “meet” a country)
      – it is better to say “you just make the purchase”

  4. Hi, dear Ho!
    I have a doubt…
    Example … “If I don’t pay the bill, will I have the fine?”. Is the term correct?
    The word “fine” confuses me with the simple question “Are you fine? Yes, I’m fine.”
    I liked your explanation on the video.
    Detail… I have hearing impairment. 🙂

    1. Dear Fabio!!
      Yes, remember that many words in English have more than 1 meaning, and FINE is one of them:

      1. Fine = bem
      Just like the example you gave: Are you fine? Yes, I’m fine.

      2. Fine = multa (noun)
      If we miss the deadline, there will be a fine of R$ 500.

      3. Fine = multar (verb)
      They were fined due to a mistake in the invoice.

      4. Fine = fino (something that has a good quality) or fino (oposto de grosso)
      She has a collection of fine wine.
      There’s a fine layer of dust on the sofa.

      Got it? 🙂

      Wow, I didn’t know you have hearing impairment. Can you access all the content of the platform? Does everything work well for you? Let me know if there is anything we can do to further improve your experience!!

  5. Hi, dear Ho!
    Unfortunetaly, I lost the subscription, without knowing it, before watching your video as soon as I received the email. 🙁
    Good week for you.

    1. Hello Fabio,

      Oh, I understand. Don’t worry, new subscriptions will be available soon!

      In the meantime, I would like to invite you to join our next event: Maratona Business English – from 18 to 21 August: 4 classes with a lot of content and tips to improve your Business English!
      Here is the link to sign up: https://outliers.com.br/maratona-business-english/

      Have a great week!

  6. Summary of Payments Terms and Conditions:
    Pagar à Vista > Pay in cash
    Entrada > down payment / advance payment
    Pagamento na entrega > cash on delivery ou payable on receipt
    Parcelas > Installments ie: Can I pay by installments or Can I pay in installments?
    Formas de Pagametos >> wire transfer > transferência bancária — letter of credit (LC) > carta de crédito > standby letter of credit (SBLC) — desconto > discount, –taxa de juros > interest rate, — NF > Invoice, –conta > bill or check, –impostos > taxes, taxas > fees, –data de vencimento > due date, –pagar a conta > pay the bill or settle the bill, –conta vencida > past due bill, outstanding bill, outstanding invoice, –pagamento atrasado > late payment, –bullet payment > pagamento único, –Lump sum > valor total, — one off payment > 1 único pagamento igual bullet payment, –recurring charges or recurring fee > cobrancas / taxa recorrente

    Vocabulary :
    Default > Inadimplência > We have a default rate of 4%

    I have requested the Lump sum of the business fluency platform and I did one bullet payment.

  7. Ho, me again, I’ve seen in many agreement the word penalty instead of fine. I think you should also include this definition for multa. What do you think?

  8. When we decide to hire credit cards services we barely consider the lump sum of the final invoice, we tend to be concerned with only the purchases, but it’s much more than that.

    Brazilian people are very used to living with recurring charges since they can pay almost everything in installments .

    It’s very important to be attentive to your bills due date in order to avoid cuts or interest rates charge. Past due bills can bring us headache.

    What’s the interest rate of Itau Credicard?

    It’s not worthy not to settle your credit card bill on the right date. The interest rates are huge.

    Once your credit card invoices you, you’d better settle the bill at once .

    just practicing hehe :)))

    1. That’s excellent, Clarissa! It is really important to practice.

      In the first sentence, there’s just a slight change in the order of the words: …concerned only with the purchases…

      Nice sentences!

  9. Hi Clarissa,

    Usually you use settle with bills.

    – Settle the credit card bill – OK
    – Settle the rent – NOT OK (it sounds weird). You usually say simply to “pay the rent”.

  10. Hello,

    Put in practice:

    a. Can I pay for that house in the following way: advance payment of 70% and the rest in installments?
    b. I’ll the pizza by cash on delivery.
    c. Is there any recurring charges if I open an account in this Bank?
    d. What´s the due date for that bill?
    e. Today, I’ll settle the bill for the restaurant.
    f. Will there be a fine if I pay this bill late?

    1. Hello, André!
      great job!!

      Just a few points:
      b. I’ll pay for the pizza
      c. Are there (because recurring charges is a plural noun)
      e. A better way to say this is: Today I’ll settle the restaurant bill.
      Another way (informal) is: The restaurant is on me today. (It would be something similar to: O restaurante é por minha conta hoje.)

  11. This class was really interesting to use in my dailybasis because I work as a procurement specialist. I have already heard “upfront payment” to “entrada” – Is an usual way to say it?

    1. Hi Danuza,

      By definition, upfront payments are a type of transaction in which a customer pays for part or all of a service before you complete it.

      So it can be a correct alternative for “entrada”, but it can also refer to any kind of payment made before a service is completed (no sentido de que você está pagando adiantado).

      Just a quick correction:

      – on a daily basis.

  12. Normally I use to my credit card for payments, however if I have a great discounts if I pay the cash of course I choose a second option. I always pay my bills in due date, because I thinks there is the most expensive the fine in Brazil.

    1. Hi Noelze,

      First of all, welcome to the platform 🙂

      I am Ho’s partner here at the platform and I interact with and correct our subscribers comments.

      Please find my corrections below, in bold.

      Normally I use to my credit card for payments, however, if I have a great discount if I pay in cash, of course I choose the second option. I always pay my bills in the due date, because I think it is the most expensive fine in Brazil.

      Good job!

      Keep posting your comments.

  13. I wouldn’t say I like to pay in installments. I prefer to pay the lump sum in a bullet payment for finance control, especially when it has discounts for paying in cash.

  14. I am used to settling the bills before the due data, but unfortunately I never have discount for this, on the other hand I fear to have any oustanding bill where I have must pay fine due to late payment. Another way to avoid to pay for interests rates is pay the bill by lump sum or even to register it in automatic debit in your bank, in the case of being recurring charges.

    1. Hello, Vanessa!
      Good job!

      – due date
      – I fear to have any outstanding bills in which I must pay fine (OR I have to pay fine – choose only one: MUST or HAVE TO)
      – avoid paying…
      – is to pay

  15. I am used to settling the bills before the due date, but unfortunately I never have discount for this, on the other hand I fear to have any oustanding bills in which I must pay fine due to late payment. Another way to avoid paying for interests rates is to pay the bill by lump sum or even to register it in automatic debit in your bank, in the case of being recurring charges

  16. HI,
    Praticing not to forget!

    I’d like to by a notebook but I don`t have cash enougth, so I have to pay by installments.

    If I had the lump sum price of that proposal I could make a good offer , maybe a good discount or even a bullet payment

    1. Hello, Lucia!
      Great job!

      – buy a notebook
      – enough cash

      I’m not sure I completely understood your sentence below, could you please elaborate? 🙂

      “If I had the lump sum price of that proposal I could make a good offer , maybe a good discount or even a bullet payment”

  17. I always bargain some discount when I choose the payment in cash option.
    To high amount purchases, I prefer pay in installments and by credit card.
    I usually settle the credit card bill considering the invoice lump sum.
    It´s important get the payment on due date in order to avoid some taxes, the bank interest rate to the late payment is normally high.

    We request you please consider the best payment term you can offers us.
    The new supplier requires 50 % payment in advance and 50% against the copy of the bill of landing.
    The second installment for the invoice number 1234-5 will be paid today.

    1. Good job, Lilian!

      – For high amount purchases…
      – prefer to pay…
      – It’s important to pay on the due date in order to avoid some fees (“taxas” nesse caso são “fees”. “taxes” significa “impostos”)
      – interest rate for late payment…
      – bill of lading

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