Transformations in the means of payment in 2025 promise to expand innovation and practicality

From payments by approximation to the use of artificial intelligence, the Brazilian financial market is entering a new era.Powered by technological changes and consumer behavior, 2025 will be marked by innovation, convenience and security.

Approximation Payments and the Evolution of Pix

Pix continues as one of the favorite methods of Brazilians, and in 2025 it gains a new functionality: the Pix by approximation. This innovation eliminates the need for keys or QR Codes, bringing even more practicality to transactions.

In addition, payments by approximation, known as “invisible payments”, continue to grow rapidly. This modality, increasingly common in public transport, retail and small businesses, handled more than R$300 billion in the first quarter of 2024, according to the Brazilian Association of Credit Card and Services Companies (Abecs). The trend is that these numbers grow even more.

Credit and Debit Cards: Modernity with Tradition

Despite the advancement of new technologies, credit and debit cards remain essential to the market.In 2025, they remain 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 increasingly secure and modern, meeting consumer expectations in online and in-person purchases.

Artificial Intelligence in the Payment Sector

Artificial intelligence (AI) plays a key role in the future of payments, helping with behavior analysis, fraud prevention and service personalization.

In this changing market, FrogPay is standing out as a strategic partner that comprehensively meets the needs of merchants, consumers and self-employed professionals.

For merchants, FrogPay offers intuitive card machines and integrated systems that accept multiple payment methods, including digital wallets, Pix and approximation. This flexibility accelerates customer service, improves customer experience and reduces queues at points of sale, a differential in high demand environments such as retail and restaurants.

For consumers, the company focuses on safe and simple solutions, such as contactless payments and online shopping support, ensuring practicality at all stages of the purchase journey.

For self-employed professionals and small retailers, the company offers alternatives such as low-cost machines and platforms that allow you to manage payments and issue vouchers directly through the mobile phone. This facilitates the operation and expands the access of smaller businesses to the digital market.