In the scope of its constant innovation centered on the customer, dLocal today announced the launch of SmartPix: a cutting-edge solution that takes the Pix experience to a new level. Developed entirely by the payment platform, SmartPix allows users to operate with Pix securely 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 used payment method in Brazil, surpassed 63.8 billion transactions in 2024 — more than all cards and traditional methods combined — and already accounts for 29% of total online purchases. Until now, each transaction needed to be individually authorized by the user, which generated friction in business models based on frequent or variable value operations.
“SmartPix has arrived to facilitate the shopping experience: it allows merchants to offer truly integrated payments, without QR codes or repeated validations, and take full advantage of Pix’s potential in complex scenarios, such as event payments or with variable values. It is a technology designed to scale, without losing security or control,” explained Gabriel Falk, Product Manager at SmartPix at dLocal.
SmartPix, an upgrade for customers and suppliers
SmartPix allows instant, secure and QR code-free payments with Pix: the user’s initial authorization is transformed into a secure identifier — a ‘token’ — that allows making payments to the same supplier (Uber, Amazon, Temu, among others) without the need to manually repeat the process each time. In this way, Pix payments work as a saved credential, similar to using a stored card.
Thanks to this update, businesses can:
- Increase user conversion and retention.
- Charge variable amounts, tailored to each transaction.
- Avoid using QR codes.
- Avoid delays from repeated/ checkouts.
- Set up payments automatically without adding friction.
“We were able to solve the challenge of tokenizing the Pix experience in Brazil. While Automatic Pix allows for recurring payments with predictable frequency, SmartPix allows for on-demand charges, with variable amounts and without the need to redo the purchase checkout. No QR codes. No friction. A fully tokenized ‘Pix on file’ experience. With SmartPix, we redefine what Pix is capable of doing going forward,” explains 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 and 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 limits of the Pix ecosystem and redefining how digital payments are made in Latin America.
