From proximity payments to the use of artificial intelligence, the Brazilian financial market is entering a new era. Driven by technological changes and consumer behavior, 2025 will be marked by innovation, convenience, and security.
Proximity Payments and the Evolution of Pix
Pix remains one of Brazilians’ favorite methods, and in 2025 it gains a new feature: Pix by proximity. This innovation eliminates the need for keys or QR codes, bringing even more convenience to transactions.
Additionally, proximity payments, known as ‘invisible payments,’ continue to grow rapidly. This method, increasingly common in public transport, retail, and small businesses, moved over R$300 billion in the first quarter of 2024, according to the Brazilian Association of Credit Card and Services Companies (Abecs). The trend is for these numbers to grow even further.
Credit and Debit Cards: Modernity with Tradition
Despite the advance of new technologies, credit and debit cards remain essential for the market. In 2025, they continue to be a reliable and widely accepted option, especially in areas where access to more advanced tools is limited.
With tokenization, which replaces physical numbers with encrypted codes, cards are becoming increasingly secure and modern, meeting consumer expectations for online and in-person purchases.
Artificial Intelligence in the Payments Sector
Artificial intelligence (AI) plays a key role in the future of payments, aiding in behavior analysis, fraud prevention, and service personalization. This ensures safer and more efficient operations, benefiting both consumers and businesses.
In this transforming market, FrogPay is standing out as a strategic partner that comprehensively meets the needs of merchants, consumers, and independent professionals.
For merchants, FrogPay offers intuitive card machines and integrated systems that accept multiple payment methods, including digital wallets, Pix, and proximity payments. This flexibility speeds up service, improves customer experience, and reduces queues at points of sale—a key differentiator in high-demand environments like retail and restaurants.
For consumers, the company focuses on secure and simple solutions, such as contactless payments and online shopping support, ensuring convenience at every step of the purchasing journey.
For independent professionals and small merchants, the company provides alternatives such as low-cost card machines and platforms that enable managing payments and issuing receipts directly via smartphones. This simplifies operations and expands smaller businesses’ access to the digital market.
