Card without management
Full IOF, retail FX, and no tax credit captured.
WTM INTERNATIONAL
Pay SaaS and AI from abroad with a Brazilian NF-e.
WTM imports the service in its own name, assumes tax responsibility, and returns a Brazilian NF-e in Reais. Your team stops issuing payment slips. Accounting stops rejecting invoices.
IMPLICATION
What is already running against you
The tax authority can review the last five years of your foreign remittances. Exposure does not start when you decide to fix it. It already exists, and it accumulates interest and penalties from the date of each payment.
5 years
of operations and documents the audit can reach
Lookback window
e-CAC
notifications are broader and more frequent each year
Official channel
Retroactive
interest and penalties count from the remittance, not discovery
Exposure timing
Source: Brazilian tax procedure and audit practice; confirm legal framing before publication.
REFRAME
Your bank collects two. Four remain.
When payment to the supplier goes through foreign exchange, the bank usually supports collection of two taxes: IRRF and IOF. The other four—CIDE, PIS-Importação, COFINS-Importação, and ISS—remain the Brazilian company’s responsibility to calculate, pay, and report.
| Bank handles | Still on you | |
|---|---|---|
| Taxes in scope | IRRF · IOF | CIDE · PIS-Importação · COFINS-Importação · ISS |
| Operational owner | Bank support | Brazilian company |
PROBLEM
Why paying by card does not solve it
Buying SaaS, AI, and foreign services is never just an expense. It is a tax operation.
Invoice is not NF-e
Accounting rejects it, audit questions it, and the expense becomes hard to deduct.
Six taxes per remittance
IRRF, CIDE, PIS, COFINS, ISS, and IOF—each with its own guide, deadline, and base.
Wrong classification
A wrong code or tax base today can become an assessment three years later.
HOW IT WORKS
How WTM solves it
One operation. Three steps. One Brazilian supplier in place of dozens of remittances.
Your side
Choose the supplier
Define conditions
Keep the relationship
You keep choosing the service and the supplier.
WTM side
Pay the supplier
Pay the taxes
Deliver NF-e
WTM contracts abroad, pays, and assumes tax responsibility.
ECONOMIC PROOF
What changes in the numbers
This is not about outsourcing bureaucracy. It is about effective cost and senior team time.
5% to 10%
reduction in effective operating cost
Comparable operations
up to 98%
less senior-team time on tax routine
Process time
Dozens → few
DARFs and filings replaced by invoices
Administrative load
Source: WTM operations benchmark; results vary by volume, supplier country, tax regime, and transaction scope.
BY TEAM
What changes for approvers, payers, and reporters
The decision belongs to finance. The relief reaches three areas.
Finance / CFO
Predictable, auditable, and deductible.
- Brazilian NF-e in Reais
- Locked FX at closing
- One national supplier
Tax
Correct classification, no gray zone.
- NBS and tax apportionment
- WTM collects and pays
- Ready for SPED and ECF
Procurement
Fast buying, global supplier.
- Onboarding in days
- USD/EUR payment without card dependence
- English contracts accepted
Audit trail
SLA and traceability by order.
SCOPE
Six taxes, one tax factor
Instead of six calculations, six guides, and six deadlines per remittance, WTM consolidates everything into a single tax factor embedded in the invoice you receive.
FX closing
Exchange contract, SWIFT to the supplier, and locked rate.
IRRF
Withholding income tax on the imported service, according to country and service type.
CIDE
Contribution on technology and royalty remittances.
PIS/COFINS-Import
With credit available for Lucro Real companies.
ISS
Assessed and paid in the correct municipality.
IOF-FX
Collected automatically in the operation.
NF-e issuance
Service invoice in Reais in your company’s CNPJ.
Ancillary filings
SPED, ECF, DCTF, and REINF delivered on time, without rework from your team.
COMMERCIAL MODEL
No platform subscription
In the by-order model, there is no SaaS investment. WTM’s remuneration sits in the operation and is presented openly in the diagnosis, together with the effective-cost projection versus your current model.
- no license fee for your team to operate the platform
- effective cost compared side by side with the current operation, before any contract
- no charge per guide, per one-off remittance, or for rework
DIAGNOSIS
How many foreign remittances did your company make in the last 12 months?
In the diagnosis we show the correct classification for each one, the effective cost versus your current model, and the tax credit that may be left on the table.