How the payroll-deducted card works
A credit card whose minimum payment is deducted straight from the payroll, always within the payroll margin.
- Minimum payment deducted from payroll
- Conditions disclosed before contracting
- Interest usually lower than a traditional card
Step by step
A simple process, with every step recorded and communicated to the employee.
- Step 1
Agreement
The company signs the agreement and sets the rules with HR.
- Step 2
Application
The employee applies for the card, with identity verification.
- Step 3
Issuance
The card is issued, with the limit and total effective cost disclosed.
- Step 4
Use
The card is used for everyday purchases.
- Result
Payroll deduction
The minimum payment comes out of the payslip; the rest by bank slip or Pix.
Security and compliance
Every transaction goes through layers of protection from the moment the card is issued.
PCI DSS standard
Card data processed in a PCI DSS certified environment by our processor.
Fraud monitoring
Transactions analyzed in real time, with preventive blocking when needed.
Identity verification
Document and biometric validation at application to prevent identity fraud.
Data protection
Personal data handled in accordance with Brazil’s General Data Protection Law (LGPD).
Immediate blocking
Lost or stolen? The card can be blocked right away through our support channels.
Transparency
Total effective cost disclosed before contracting and on every statement.
Frequently asked questions
Who can apply for the card?
Employees of companies that have an agreement with CardConsig and available payroll margin. Applications go through identity verification and credit review.
How much will be deducted from my salary?
Only the minimum payment of the statement, always within the payroll margin. The amount is itemized on your payslip.
What happens if I leave the company?
Payroll deduction stops and the outstanding balance is paid by bank slip or Pix, under the terms of the agreement.
How do I block a lost or stolen card?
Through the support channels provided with your card. Blocking is immediate.
How do I dispute a purchase I don’t recognize?
Contact support as soon as you notice it. We open the dispute with the card network and inform you of the review timeline.