Terms and conditions for credit card receivables anticipation

These Terms and Conditions for Credit Card Receivables Anticipation (hereinafter referred to only as “Terms”) apply to the use of the “Blimboo” Platform for receivables anticipation, by you, “User”.

The BLIMBOO Platform is the legitimate and exclusive property of  BINARY PIXEL DIGITAL LTDA, with registered office at Rua Heitor Stockler de Franca, No. 396, suite 1407, 14th floor, Centro Cívico, Curitiba/PR, ZIP 80030-030, enrolled with the CNPJ under No. 14.079.965/0001-26, hereinafter referred to as the “Platform”.

Any person (“User”) who uses the platform as a collection, intermediation and anticipation tool for amounts due and paid by the “payer”, and who intends to use the Platform for credit card receivables anticipation, must accept these Terms, together with the General Terms and Conditions of Use, as well as the Privacy Policy and the other policies, laws and applicable principles. 

The Terms and Conditions for Credit Card Receivables Anticipation are fully published; therefore, lack of knowledge of the rules and obligations set forth herein shall not be deemed alleged.

By using receivables anticipation through the Blimboo platform you automatically agree to these terms and conditions, and authorize Blimboo to anticipate amounts arising from credit card sales, taking full responsibility for any and all acts performed by you on Blimboo or in services related to it.

If you do not agree with any of the terms and conditions set forth below, you must not use credit card receivables anticipation.

1. Important definitions and Purpose:

1.1 Receivables Anticipation: The service provided by Blimboo that allows the User to anticipate receivable amounts generated by credit card transactions, as requested and in accordance with the terms of this instrument.

1.2 Receivables: Amounts due to the User by Accrediting or Sub-accrediting Institutions as a result of credit card transactions, which are the object of the anticipation.

1.3 Purpose: The purpose of this term is the anticipation of receivables due to the User by Accrediting or Sub-accrediting Institutions, resulting from sales made with credit cards, as requested through the Blimboo platform.

2. Conditions of receivables anticipation:

2.1 The User must necessarily become eligible before using credit card receivables anticipation on the Platform. It is not enough that the User has merely made sales using the required payment method.

2.2 The User shall request receivables anticipation through the Platform’s anticipation tool, selecting the specific dates with the receipts they wish to anticipate.

2.3 Receivables anticipation is subject to credit analysis and the Platform’s internal policies, in order to mitigate the risks involved in the operation.

2.4 The Platform reserves the right to refuse receivables anticipation, in whole or in part, if the conditions required for the operation are not present or in case of suspected fraudulent activities.

2.5 The Platform may establish fees, charges and costs relating to receivables anticipation, which will be informed to the User in advance and will be subject to change upon prior notice.

2.6 The amount available for anticipation will be calculated automatically by the Platform, and it may not be possible to anticipate all future receipts, all installments of a sale, or sales made in a single installment.

2.7. The User acknowledges that the receivables anticipation feature is subject to credit analysis, eligibility criteria and risk assessment performed exclusively by Blimboo’s partner payment institution, which may include, among others, Asaas Gestão Financeira S.A. By using such features, the User declares that they have read, understood and fully accepted the referred policies, undertaking to comply with them in their entirety.

3. Assignment and Title to Receivables and Security cushion:

3.1 By requesting receivables anticipation, the User authorizes Blimboo to carry out the operations necessary to enable the anticipation, including the transfer of rights over the receivables for early payment purposes. This transfer is made on a definitive and irrevocable basis, pursuant to Central Bank Resolution No. 4.734/2019.

3.2 The receivables anticipation operation may be registered by an acquirer or sub-acquirer partner of Blimboo with an entity authorized by the Central Bank of Brazil, such as CIP, CERC, TAG or another equivalent entity, under applicable regulation. Such registration is intended to ensure transaction traceability and compliance with current rules, without implying a direct assignment of a regulatory obligation to Blimboo..

3.3 Blimboo reserves the right to withhold a percentage of the total anticipated receivables as a security cushion (guarantee), as previously agreed between the parties. This withholding may be used to cover chargebacks, defaults or value adjustments, ensuring fulfillment of the agreed obligations.

3.4 In the event of default or value adjustments, Blimboo may use the security cushion composed of future receivable amounts to cover any adjustments and ensure fulfillment of the operation’s obligations.

4. Liability for cancellations and chargebacks:

4.1 In the event of cancellation, reversal or chargeback of an anticipated transaction, where there are insufficient future receipts, the User shall be fully responsible for reimbursing the Platform for the anticipated amounts relating to that transaction, regardless of the reason for the cancellation, reversal or chargeback.

4.2 The User agrees to fully cooperate with the Platform in resolving disputes, providing all information and documentation necessary to contest cancellations, reversals or chargebacks.

4.3 The Platform reserves the right to offset cancellation, reversal or chargeback amounts occurring in anticipated transactions against the User’s future receivables, or to collect the amounts due directly from the User, if necessary.

4.4 Accounts on the Platform with frequent reversals or chargebacks may have the anticipation feature suspended.

5. Payment and security:

5.1 The Platform will pay the anticipated amounts to the User, deducting them from future receivables processed by the acquirer.

5.2 The User authorizes the acquirer connected to the Platform to transfer the anticipated amounts directly to the bank account indicated on the Platform, in order to ensure the security of the transactions.

5.3 The Platform shall not be liable for any deductions from anticipated receipts made by the User’s bank domicile arising from contracts that have credit card receivables as collateral, as provided by Central Bank of Brazil Resolution No. 4.734/2019.

5.4 The User agrees not to make any cancellation, reversal or dispute of anticipated transactions, except as provided in applicable law. The User acknowledges that any attempt at undue cancellation, fraudulent reversal or suspicious activity will be treated as a violation of these Terms and may result in appropriate legal measures.

5.5 The Platform will employ adequate security measures to protect the User’s information and transactions, including, but not limited to, data encryption, protection against unauthorized access, and technical and organizational safeguards to ensure the confidentiality and integrity of the information.

6. Responsibilities of the parties:

6.1 The Platform is responsible for anticipating the amounts of sales processed by the acquirer, in accordance with the conditions set forth in these Terms and in compliance with applicable rules and regulations.

6.2 The Platform will make reasonable efforts to ensure the accuracy and integrity of the information provided to the User in relation to receivables anticipation. However, the Platform shall not be liable for delays, losses or damages arising from CIP (Câmara Interbancária de Pagamentos) outages, or from inaccurate, incomplete or outdated information provided by the acquirer or the User.

6.3 The User is responsible for ensuring the truthfulness and accuracy of the information provided to the Platform, especially information relating to the sales to be anticipated. The User acknowledges that any losses arising from incorrect or false information provided shall be their sole responsibility.

6.4 The User is responsible for complying with all obligations and requirements established by the acquirer in relation to transactions made by credit card.

6.5 The Platform shall not be liable for delays, failures or problems in the transmission of information among the acquirer, the platform and the User, provided that it has fulfilled its obligations as set forth in these Terms.

7. Confidentiality and security:

7.1 The parties agree to keep confidential all confidential information obtained under these Terms, not disclosing it to third parties except when required by law or with the prior written consent of the other party. Both parties shall adopt adequate measures to ensure the security and confidentiality of information transmitted and stored.

7.2 The Platform undertakes to implement reasonable security measures to protect the User’s data and information, including compliance with applicable data protection laws.

8. Modification of the terms of use:

8.1 These Terms and the documents incorporated by reference express the entire agreement between Users and BLIMBOO regarding use of the Platform.

8.2 These Terms supersede any prior agreements or understandings, whether written or oral, relating to the subject matter of these Terms.

8.3 BLIMBOO may, at its sole discretion, amend these Terms at any time. Amendments will be communicated through the Platform itself and/or through other contact channels provided by the User. 

8.3.1. Continued use of the Platform after the amendments are disclosed will be construed as agreement with the new terms. If the User does not agree with the modifications, they may discontinue use of the Platform at any time.

8.4 If any clause of these Terms is held invalid or unenforceable for any reason, the remaining provisions shall remain in full force and effect.

9. Applicable law and choice of forum:

9.1 All items of these Terms are governed by the laws in force in the Federative Republic of Brazil. For all matters relating to the interpretation, performance or any other question related to these Terms, the parties agree to submit to the Courts of the District of Curitiba/PR.

10. Contact us:

10.1 Whenever necessary, to address any matter involving use of the Platform, or if there is any doubt about the content of this Term, please contact us through our e-mail: suporte@blimboo.com.

10.2 Any notice to the User, when required, will be made by e-mail or within the Platform itself.

10.3 By using the Platform for credit card receivables anticipation, the User declares that they have read and understood all information herein, adhering to this instrument for all legal purposes and effects.

Last updated on April 30, 2026.