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Paying with reais, Pix or card in Paraguay: what works

Marco Três newsroom · edited by Annie GrellmannUpdated on PortuguêsEspañol

Reais are accepted across Ciudad del Este, and Pix is spreading fast

In Ciudad del Este the payment method changes the final price more than haggling does. Two people buying the same item in the same shop can pay very different amounts.

Paying with reais, Pix or card in Paraguay: what works

Direct answer: Pix works in Ciudad del Este and is now accepted by the large majority of established shops: Shopping China, Casa Nissei, the wholesale chains. Cash dollars usually get the best price, often with a discount. Cash reais are accepted, but at the shop's own rate, which is rarely good. Credit cards work, at the card network's rate. The order that usually costs least: cash dollars, Pix, card, cash reais.

In Ciudad del Este, how you pay changes the final price more than haggling does. Two people buying the same item in the same shop can pay noticeably different amounts purely because of the method.

Pix: what changed

Acceptance is now near-universal in established shops. It works like this: the shop's card terminal, run by a Brazilian fintech, generates a QR code in reais even though the price is displayed in guaraníes. You scan it with your banking app and pay in reais, with the conversion already built into the amount.

The upside: no need to carry cash or change money beforehand. The catch: each shop applies its own conversion rate. Ask for the final figure in reais before scanning and compare it with the dollar price. The difference often only shows up at that moment.

Cash dollars: usually the winner

This is the method that stretches furthest. Ciudad del Este's trade runs in dollars, and paying in the shop's own currency avoids two conversions, yours and theirs. Many shops add a further cash discount on top.

The trick is changing money well before you go: see where to change money at the border.

Cash reais: accepted, but expensive

They are accepted. The problem is the shop's counter rate, which is rarely the day's rate and almost never in your favour. Useful to top up a purchase, not to make a large one.

Credit cards

They work in the larger shops. The cost is the card network's rate on the day your statement closes, which you do not know at the moment of purchase. Cards give security and instalments; they do not give the best price.

The calculation that matters

Before deciding, remember the price does not end at the till: anything above the US$500 allowance is taxed at 50% on the way back (how the allowance works). A 5% payment discount does not offset a 50% tax.

Ask for a receipt whatever you pay with. Without one, customs decides what the item is worth.

Before you cross

Check the bridge queue now and how to get from Foz to Ciudad del Este.

Sources: payment operators at the border · Ciudad del Este trade · Receita Federal (allowance) · verified 11/09/2026

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Frequently asked questions

Does Pix work in Ciudad del Este?
Yes, and it is now accepted by the large majority of established shops. The terminal generates a QR code in reais even though the price is in guaraníes, and you pay with your banking app. The catch is that each shop applies its own conversion rate.
Which payment method gets the best price?
Cash dollars, because the trade runs in dollars and paying in the shop's own currency avoids two conversions. The order that usually costs least is: cash dollars, Pix, card, cash reais.
Are cash reais accepted?
Yes, but at the shop's counter rate, which is rarely the day's rate and almost never in your favour. Useful to top up a purchase, not to make a large one.
Is a credit card worth using?
It works in the larger shops and gives security and instalments, but not the best price: the cost includes the card network's rate on the day your statement closes, which you do not know when buying.
Does the payment method change the tax on the way back?
No. Anything above the US$500 allowance is taxed at 50% of the excess regardless of how you paid. A 5% discount does not offset a 50% tax.

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Content verified by the newsroom based on an official source: Operadoras de pagamento na fronteira · Receita Federal. Last checked: 6/14/2026. Found something inaccurate? We fix it fast. How we work.

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