Security becomes a strategic priority in the means of payment, points out Worldpay

Brazil is experiencing a unique moment in the global payments scenario. According to the Global Payments Report 2025, drawn up by Worldpay, an industry leader in technology and payment solutions, the country is among the leaders in innovation, driven by the success of Pix and the rapid adoption of digital wallets. Now, the next challenge will be to combine the speed and convenience achieved in recent years with new layers of security and trust.

The study shows that Pix is already used by three in four Brazilians and has handled more than US$ 35 billion in the last year, and should exceed the volume of cards in points of sale still in 2025. Since its launch in 2020, Pix contributed to halve the share of cash in Brazil, which fell from 35% in 2020 to only 17% in 2024.

Despite the progress of the successful system developed by Brazil, the Worldpay report points out that the next chapter of digital transformation in Brazil will be trust.

“O Pix has transformed the way Brazilians pay and is already studied as a successful model in several countries. But the priority of financial technology companies in general seeks to expand their innovation systems and solutions with a focus on protection against fraud and digital scams”, says Juliana Campos, vice president of operations at Worldpay Latin America.

The study also highlights that, by 2030, digital payments should represent more than 80% of the amount spent on Brazilian e-commerce, following the global trend. This puts the country in a strategic position to dictate trends not only in Latin America, but worldwide.

Instant payment systems already existed in the world before the development of Pix. It is the case of the Indian UPI (Unified Payments Interface), launched in 2016 and which reached 58% of payments in stores in 2024. In Brazil, Pix brought innovations that meet the peculiarities and needs of Brazilians, in case of the financial inclusion of thousands of people and, in the last five years, has already achieved almost 40% of participation in points of sale (PDVs), leaving behind means such as debit and boleto.

Another relevant fact is the way Brazilians use multiple means of payment in parallel. The study shows that 53% of consumers in the country finance their digital wallets with cards, a number close to the global average (56%), but well below the 70% registered in the USA and the United Kingdom. For Worldpay, this indicates that the Brazilian consumer is multichannel by nature, easily switching between Pix, cards and digital wallets.

“The balance between agility and trust will be decisive for the future of retail. The Brazilian consumer values convenience, but does not give up security. The great differential of companies will be to offer fluid, protected and reliable digital experiences”, adds Juliana.

Global Payments Report 2025

Held ten years ago, the Worldpay study analyzes the payment method market in 46 countries and five continents. Today, it is consolidated with the main guide of global payment methods and acts as support for Merchants in the development of business plans, understanding of the profile of their audience and trends. To know the study in full access: Link