O plano pós-pago tem cobrança recorrente.

Portuguese uses definite articles more often than English does. O plano pós-pago can mean either:

• the postpaid plan in a specific context, or
• a generic category, depending on where the sentence appears

So even if English might sometimes say just postpaid plans have recurring billing, Portuguese often keeps the article.

Pós-pago means postpaid: you use the service first and pay later, usually at the end of a billing period.

It is the opposite of pré-pago, which means prepaid.

Examples:

• plano pós-pago = postpaid plan
• plano pré-pago = prepaid plan

It is hyphenated because pós- is a prefix that normally takes a hyphen in Portuguese spelling.

So:

• pós-pago
• pré-pago
• pós-venda

This is a spelling rule, not something optional.

In Portuguese, adjectives usually come after the noun.

So:

• plano pós-pago = postpaid plan
• cobrança recorrente = recurring billing

Putting pós-pago before plano would sound unnatural here. English often puts modifiers before the noun, but Portuguese usually does not.

Yes. Tem is the he/she/it form of ter, which usually means to have.

Here, O plano pós-pago tem cobrança recorrente literally means The postpaid plan has recurring billing.

In natural English, you might translate it as:

• The postpaid plan has recurring charges
• The postpaid plan includes recurring billing

Also, in everyday Brazilian Portuguese, tem can sometimes mean there is/there are, but that is not what is happening in this sentence.

After ter, Portuguese often leaves out the article when talking about a feature, service, or general characteristic.

So:

• tem cobrança recorrente = it has recurring billing
• tem internet ilimitada = it has unlimited internet
• tem fidelidade = it has a contract/commitment period

If you said tem uma cobrança recorrente, it would sound more like you are talking about one specific recurring charge, not the general billing system.

It means a charge or billing process that happens repeatedly and automatically at regular intervals.

In English, depending on context, it could be:

• recurring billing
• recurring charge
• subscription billing

It does not have to mean only monthly billing, although that is often the most common case.

They are close, but they focus on different sides of the transaction:

• cobrança recorrente = the company/provider repeatedly charges the customer
• pagamento recorrente = the customer repeatedly makes a payment

So in business language:

• cobrança focuses more on the billing/charging side
• pagamento focuses more on the paying side

Yes. It sounds natural, especially in telecom, banking, subscription, and e-commerce contexts.

It is a fairly neutral, informative sentence. In more casual speech, people might also say things like:

• Esse plano cobra todo mês.
• Esse plano tem cobrança mensal.
• Esse plano tem mensalidade.

Those alternatives are slightly different in nuance, but the original sentence is perfectly normal.

You would say:

Os planos pós-pagos têm cobrança recorrente.

A few things change:

• O → Os
• pós-pago → pós-pagos
• tem → têm

Notice that têm in the plural has a circumflex accent.

A simple English-friendly approximation is:

POHS-PAH-goo

A few helpful notes:

• pós is stressed
• pago has stress on pa
• the final o in Brazilian Portuguese often sounds more like oo than a clear English oh

So the whole phrase plano pós-pago sounds roughly like:

PLAH-no POHS-PAH-goo

This is only an approximation, but it is useful for a learner.