Adjustment of installment fees, payment schedule and advance payout: Learn what’s changing

At Hotmart, our mission is to empower Creators to create and monetize their own businesses around the world, offering the best solutions to boost their sales and maximize their results. In order to continue guaranteeing a robust, secure and sustainable platform for Creators, Co-Creators  and Affiliates, adjustments are necessary to keep up with market dynamics and maintain the quality of the services provided.

Since the last adjustment to Hotmart’s installment fees in 2022, the economic scenario has undergone significant changes. The Selic rate, which regulates interest rates in the Brazilian economy, has increased significantly, directly impacting the costs of financial and credit operations, including installment card sales.

For this reason, we inform you that the installment fee for credit card sales in Brazil will be adjusted from 2.89% to 3.49% per month. Payment schedule and advance payout will also be adjusted, but other payment methods or fees, such as the Hotmart Service Fee, will remain unchanged.

What’s changing at Hotmart?

In summary, the main changes include:

✅ Installment fee: increases from 2.89% to 3.49% per month. 

✅ Payment schedule and advance payout fees: will also undergo adjustments, impacting the amounts discounted on the advance of receivables. Check out the new fees throughout the article.

📌 It is important to note that other payment methods and fees, such as the Hotmart Service Fee, will not change.

How does the new installment fee affect my business?

The adjustment may be reflected in different ways, depending on how you have configured the installment for your products:

• In cases where installments are enabled WITH fees passed on to the Buyer, the amounts displayed on the payment page will be adjusted automatically. It is therefore essential that you update the installment prices posted on your sales channels, ensuring that your customers have up-to-date information about your products.
  
  ⚠️ Review your advertising materials (sales page, emails, messages, announcements, posts and others) if they display installments considering the old fee.

To help you with the updating process, we’ve provided an installment calculator, where you can simulate the new values of your product with the adjusted fees. Just click on the button below and log in to the Hotmart platform to access it.

Click here to access installment calculator.

• If installments are enabled WITHOUT passing on the fees to the Buyer, i.e. when the Creator absorbs the installment fee, there will be a change in net sales per sale.

In this scenario, you can assess a possible change in the pricing of your products, in order to pass on the increase in part or in full to your Buyer.

In all cases, we suggest that Creators review their pricing strategies. To remember how to enable installments WITH or WITHOUT fees for the Buyer, go to  this article.

How do the new fees for payment schedule and advance payout affect my business?

In addition to the adjustment in the installment fee, the payment schedule and advance payout will also have new conditions, which will be applied according to the table below.

Please note that only one of these fees applies to your business, depending on the payment schedule that you have chosen.

Even after the adjustment, Hotmart continues to offer competitive installment fees compared to other platforms. Hotmart stands out for offering a complete, secure ecosystem, specialized technical support, advanced sales tools and integrated solutions that simplify the management of your digital business.

The advance payout or payment schedule fee is deducted from your billing with Hotmart and makes it possible to receive your income in advance to accelerate the growth of your business. In your balance, you will see the new discounts reflected according to the updated fee.  

To minimize the impact of the readjustment and optimize the financial management of your business, you have the option of using the 2-day payment schedule with the fee charged to the Buyer (subject to eligibility) or Standard Installment, which allows you to maintain agility in receiving payouts without compromising net revenue.

Strategies to boost your sales and attract customers.

To maintain the success of your business and continue to attract customers even in a scenario of economic adjustments, it is essential to adapt your strategies and make the most of the resources available. Small adjustments to the way you communicate the value of your product, organize your offers and track results can make a big difference to your bottom line. Below, we’ve listed some practical tips to help you stand out and keep winning over your customers. Check them out:

Reinforce the value of your product: Show your customers why your content or service is essential and how it can solve their pain. Include real stories from customers who have obtained positive results with what you offer. Demonstrating the direct impact of your product on buyers’ daily lives can significantly increase the perception of value.

Create attractive offers: Increase the number of possible installments to make it easier for your Buyer to access your products. Also consider creating promotional packages that combine complementary products or services. Including exclusive bonuses, physical products or dedicated support for purchases under certain conditions can also attract more customers.

Use Hotmart’s sales tools: Exploit features such as Order Bump, Sales Funnel and Combos, as well as abandoned cart recovery tools to optimize the average ticket and maximize your revenue. Also, make use of features such as campaign automation and personalized emails to increase the chances of conversion.

Track the data: Use financial and performance reports to understand how your customers are reacting and quickly adjust your strategies as necessary. Also analyze buyer behavior to identify new sales opportunities and further personalize your offers. For transparent and accurate monitoring, you can consult the following reports on the platform:

• Sales report: track the number of sales, net sales per sale, installment fees, among other data.
• Statement of your balance: track amounts relating to sales made, available balance, balance receivable, among other data.

Final recommendations

Hotmart continues to lead the digital revolution and evolve so that you, the Creator, can sell more and delight your customers. We will continue working to offer the best Creator Economy platform, with a complete, secure ecosystem, specialized technical support, advanced sales tools and integrated solutions that simplify the management of your digital business.

It is essential that you change the installment prices advertised on your sales channels if you have products in installments WITH fees for Buyers. Use our installment calculator to simulate the installment price of your product with the new fees.

Access here the installment calculator. 

If you have any questions, you can always count on our  specialized support.