As part of its ongoing customer-centric innovation, dLocal today announced the launch of SmartPix: a cutting-edge solution that takes the Pix experience to the next level. Fully developed by the payments platform, SmartPix allows users to securely operate with Pix to make occasional or variable-value payments without having to manually authorize each transaction. It is ideal for use in e-commerce and transportation apps, for example.
Pix, the most widely used payment method in Brazil, surpassed 63.8 billion transactions in 2024—more than all traditional cards and methods combined—and already represents 29% of total online purchases. Until now, each transaction had to be individually authorized by the user, which created friction in business models based on frequent or variable-value transactions.
“SmartPix was created to simplify the shopping experience: it allows merchants to offer truly integrated payments without QR codes or repeated validations, and to fully leverage Pix’s potential in complex scenarios such as event-based or variable-value payments. It’s a technology designed to scale without compromising security or control,” explained Gabriel Falk, SmartPix Product Manager at dLocal.
SmartPix, an upgrade for customers and vendors
SmartPix enables instant, secure, QR-code-free Pix payments: the user’s initial authorization is converted into a secure identifier—a ‘token’—that allows payments to the same vendor (Uber, Amazon, Temu, among others) without the need to manually repeat the process each time. This way, Pix payments function like a saved credential, similar to using a stored card.
Thanks to this upgrade, businesses can:
- Increase user conversion and retention.
- Charge variable amounts, tailored to each transaction.
- Avoid using QR codes.
- Eliminate delays from repeated checkouts.
- Set up automatic payments without adding friction.
“We’ve successfully solved the challenge of tokenizing the Pix experience in Brazil. While Pix Automático enables recurring payments with predictable frequency, SmartPix allows on-demand charges with variable amounts and no need to redo the checkout process. No QR codes. No friction. A fully tokenized ‘Pix on file’ experience. With SmartPix, we’re redefining what Pix can do moving forward,” explained Gabriel Falk, Product Manager at dLocal.
Among the sectors that will benefit most from this solution are:
- Transportation and delivery apps, where each trip or order has a different value.
- E-commerce and marketplaces, with multiple purchases per user at different times for different amounts.
- Advertising platforms requiring dynamic payments based on active campaigns.
With SmartPix, dLocal ushers in a new era of digital payments: simpler, faster, and frictionless, expanding the boundaries of the Pix ecosystem and redefining how digital payments are made in Latin America.
