Digital love: find out what it is and how it works

You have probably already come across an advertisement offering discounts and special conditions for those who pay by Love Digital, but do you know what it is?

First of all, what is Ame Digital?

Created in 2018, it is a fintech for digital payments and one of the first to have a business platform that allows users to buy in both physical and virtual stores, top up their cell phones, buy game credits, fill up their cars, among other things, all using just their cell phones.

Additionally, paying with Ame at partner stores guarantees the famous cashback — part of the purchase amount returned.

The app is available for Android and iOS. To register, you'll need to enter certain information, including your full name, CPF (Brazilian Social Security number), date of birth, email address, and phone number. Once the information is validated, the account is officially created.

How to register with Ame Digital?

Registration is very simple, check out the step by step:

1. Download the app from your phone's app store;

2. On the home screen, click on “Create my Ame account”;

3. Enter the requested data;

4. Immediately afterwards, the platform will send an SMS with a confirmation code that must be entered in the app;

5. Last but not least, just create a password.

In addition to confirmation via SMS, you must open the validation link sent to your registered email address.

How does Ame cashback work?

When you use the app to pay at partner stores and establishments (Americanas, Shoptime, Submarino, among others), part of the final amount is returned to your account.

Once payment is confirmed, the cashback amount is displayed on your Ame account statement.

The cashback percentage is not fixed; it varies according to promotional activities carried out by partner stores.

The credited amount can be used to make purchases from partners or transferred to another Ame account. A very important detail is that the Ame account balance cannot exceed R$5,000.

The deadline to receive the refund is up to 30 calendar days after delivery of the online purchase and 7 days for purchases in physical stores.

The best part is that the amount does not expire, however, you need to be careful, as the cashback is only valid on eligible products.

It's worth remembering that when you purchase a product that offers cashback using your cashback balance, this new purchase will earn you additional cashback. Let's use an example to make it easier:

You have R$150 cashback in your account and decide to purchase a product for R$100. This product offers R5% cashback when purchased with your Ame account.

When choosing to use the cashback on your account, R$100 will be debited and R$5 from the new purchase will be added.

The advantages of Ame

Besides cashback, the most famous benefit, the platform's biggest benefit is that it allows you to manage your finances even though it's not a bank.

The app allows you to carry out financial transactions, such as transfers. You can also pay bills and installments, apply for loans and credit cards, and make transfers and payments via PIX (Public Transfer Payments) without bureaucracy.

It is important to note that bill payments cannot be made using available cashback balance.

The platform also offers gift cards and tickets for parties and shows with special conditions for users.

Ame is also an option for merchants

Business owners can sign up to receive payments through the app. Simply enable the app's sales feature.

The main advantage of selling with an Ame account is that, unlike other platforms, you're not charged for receiving sales using your balance, and you receive the amount within 1 day. However, credit card payments are charged 3.29%, and the amount is debited within 14 days.

Remembering that this is the only function of the application that allows withdrawals.

Ame Card

Currently, the Ame card functions only as a credit card, as it is not linked to any bank account. This means anyone can apply for the card, even if they don't have an account with any specific institution.

The service has the basic features of the cards and some interesting benefits.

These include online and contactless payments, a virtual card, and installments of up to 34 times at partner stores. Users looking for a comprehensive card for everyday use can take advantage of these benefits.

However, the service relies on rigorous profile analysis, making access difficult for those with bad credit.

The Ame card also offers the benefits of its Mastercard brand, including travel benefits, discounts, and rewards programs. It also offers Ourocard benefits thanks to its partnership with Banco do Brasil.

On the other hand, it is necessary to consider the disadvantages of the card, such as the annual fee, if the user does not spend the minimum monthly amount to be exempt from this charge.

If you're looking for an emergency card, this may not be the best option.

Despite being a more modern product, the card is administered by Banco do Brasil and is subject to standard fees. This is a disadvantage for those seeking better value for money.

Is it safe to use Ame Digital?

This question is common and normal when we talk about digital accounts and payment apps, especially when they involve various functions, such as cashback, etc. After all, our banking and personal information, and in some cases, our money, are on these platforms, so security is very important for users of these tools.

Ame Digital is indeed a safe and reliable app. This tool was developed by B2W Digital, a company focused on the online shopping segment. Therefore, protecting customer data is key to this business's success.

Your reputation

One of the criteria for determining whether a company is safe and trustworthy is its online reputation, with the Reclame Aqui website being the primary tool.

Many people use this platform to decide whether a company is good or not, as users can share their experiences with the store, institution, etc.

In the case of Ame, the rating on the website is 9.1, in addition to having the RA1000 seal.

An award that certifies whether a business offers exceptional customer service, including prompt response times, a commitment to solving customer problems, and more.

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