The Central Bank continues to expand Pix’s functionalities, consolidating the system as the main payment tool in Brazil. For 2025, three major innovations promise to further facilitate financial transactions: Automatic Pix, Proximity Pix, and bill payments (‘BolePix’). The new features increase convenience and security for consumers and businesses.
Pix similar to automatic debit – With mandatory launch for all institutions starting June 16, 2025, Automatic Pix will allow recurring charges of variable amounts, bringing more predictability and security to businesses handling periodic payments, such as gyms, condominiums, utility bills, and streaming services.
‘Automatic Pix represents a significant advancement for businesses and consumers. For businesses, it reduces defaults and operational costs. For users, it offers convenience and prevents delays in essential service payments,’ explains Thiago Amaral, partner at Barcellos Tucunduva Advogados in the Payments and Fintech areas, PhD and Master in Commercial Law from PUC/SP, and professor at FGV/SP and Insper.
Proximity Pix – Already in the testing phase and available to the public from February 28, 2025, Proximity Pix will enable instant transactions via NFC technology. Without needing to open banking apps or enter passwords, payments can be made by simply bringing a smartphone close to a compatible device, similar to contactless cards.
‘The arrival of Proximity Pix will bring more agility and security to everyday payments. Additionally, it will enhance the e-commerce experience, reducing cart abandonment and making online shopping smoother,’ emphasizes Amaral.
BolePix, the evolution of bills – Another relevant innovation is BolePix, which integrates specific QR Codes into traditional bills, allowing customers to choose between Pix or bank slip payments. This feature, already available, ensures more flexibility for consumers and efficiency for businesses.
‘BolePix speeds up payment confirmations and reduces operational costs by combining the immediate liquidity of Pix with the convenience of bank slips. It is an essential modernization for the financial sector,’ states Amaral.
According to the expert, with these innovations, ‘Pix reaffirms its position as one of the world’s most innovative payment systems, ensuring greater convenience, security, and efficiency for users and businesses,’ concludes Amaral.
