Mamãofy Payment: 96% for You, Instantly
No more waiting, no more withdrawal requests. Each sale goes straight to your Mercado Pago account at the time of purchase — you keep 96% and Mamãofy retains only 4% as a one-time commission.
How does Mamãofy’s new instant payment model work?
The new system eliminates previous waiting periods of up to seven days and the need to request withdrawals or manual transfers. The moment the student completes the purchase, 96% of the amount automatically lands in the producer’s connected account.
The platform retains only its fixed 4% commission per sale. The flow is direct and automatic from the moment payment is approved.
This means the producer no longer needs to track transfer status or wait for periodic releases. When selling a course or digital product, the credit reflects immediately in the Mercado Pago account.
Producers report greater cash-flow predictability. The system integrates directly with recognized payment providers to ensure speed and security.
What are the steps to connect your receiving account?
To activate instant receiving, go to Dashboard, then Settings and Identity and Finance, step number seven. Click Connect Mercado Pago account and authorize in the provider’s secure environment.
After granting permissions, the producer returns to the dashboard in seconds with the integration active. All subsequent sales are processed with direct deposit to the linked account.
You can disconnect the account at any time. Mamãofy never has access to the producer’s funds, acting only as the transaction processor.
For international producers without a Mercado Pago account, the same dashboard allows registering a PayPal email. The process is intuitive and requires no advanced technical knowledge.
How can students pay and which methods are accepted?
Students have flexible options that serve both the Brazilian and international markets. Credit card allows up to twelve interest-free installments with no additional platform fees.
PIX offers approval in seconds. Bank slip is confirmed within one business day after payment. Central Bank of Brazil
For buyers outside Brazil, PayPal is available as the main method. Each method is processed securely and integrated with the instant payment system.
This variety increases conversion chances. In campaigns like Black Friday, you can combine PIX for quick sales with credit card for larger installments.
Why does the referral program offer lifetime credits?
The program permanently links every new registration made through the producer’s link. Every purchase made by the referred person generates 2% in AI credits automatically credited to the referrer.
Credits can be used on tools like Mamãofy.AI, Creative.AI, or Workspace. There is no minimum sales requirement, no waiting period for redemption, and no maximum accumulation cap.
Access to the link is in the dashboard, under My Credits and Referral Program. The lifetime structure encourages long-term relationships.
Credits are non-redeemable for cash and can only be used for consumption within the platform. This simplifies the program and eliminates tax bureaucracy for the referrer.
What happens in case of refunds?
Refunds follow the rules of the Consumer Defense Code, which provides up to seven days for regret on digital content purchases. Consumer Defense Code
When a refund is requested and approved, Mercado Pago or PayPal processes the full amount reversal. The producer returns their corresponding 96% share, while Mamãofy automatically returns its 4% commission.
This automatic flow avoids bureaucracy and ensures proportional and transparent impact. The producer does not need to manage the reversal directly.
In practical situations, the process is completed quickly and documented, preserving trust in the platform’s ecosystem.
Practical example of value division
| Item | Amount | Destination |
|---|---|---|
| Student pays | R$ 100.00 | Via credit card, PIX, bank slip, or PayPal |
| Producer receives | R$ 96.00 | Directly to Mercado Pago or PayPal account, instantly |
| Mamãofy retains | R$ 4.00 | One-time 4% commission |
Available payment methods
| Method | Confirmation time | Available for |
|---|---|---|
| Credit card | Instant (up to 12x installments) | Brazil and international |
| PIX | Seconds | Brazil |
| Bank slip | Up to 1 business day after payment | Brazil |
| PayPal | Instant | International |
Frequently Asked Questions
How do I receive money from sales?
96% of the amount lands automatically in your Mercado Pago or PayPal account at the moment of purchase approval, with no need to request a withdrawal or wait for transfers.
Can I disconnect my payment account?
Yes, the connection can be undone at any time through the dashboard, and Mamãofy never retains access to your funds at any point in the process.
Can producers outside Brazil receive payments?
Yes, simply register your PayPal email in the same financial dashboard so international sales are automatically directed to this receiving method.
How does the refund work for the producer?
After refund approval under the Consumer Defense Code, the system reverses proportionally, with the producer returning 96% and the platform automatically returning its 4% commission.