Billions Lost at the Click: How Brazilian E-commerce is Turning the Game Around in Payments

Brazilian e-commerce continues to expand at an accelerated pace. According to the Brazilian Association of Electronic Commerce (ABComm), the sector is expected to handle R$ 205 billion in 2025, driven by the consolidation of new consumption habits and the convenience of digital shopping. But behind the impressive numbers lies a problem that drains margins and erodes consumer trust: failures in online transactions.

According to a survey by Único, between R$ 120 billion and R$ 150 billion fail to be realized every year in the country due to denied payments in card-not-present purchases, such as on websites, applications, and subscription services. This figure is equivalent to almost 15% of the sector's projected revenue and has a direct impact on companies' profitability.

The problem worsens on the eve of the most important dates for the retail calendar, such as Black Friday and Christmas. In 2024, Brazilian digital retail recorded over R$ 7.8 billion in sales on Black Friday alone, according to Neotrust. However, every system failure or unjustified rejection means not only an immediate loss of revenue but also the risk of permanently losing customers.

“Most companies already recognize the importance of investing in smart payment infrastructures but still face implementation barriers. Yuno's role is to simplify this process and ensure that no sale is lost due to technical limitations, allowing companies to focus on growth and innovation,” explains Walter Campos, General Manager for Latin America at Yuno, a global leader in payment infrastructure and orchestration.

Turning Every Transaction into Trust

In an increasingly digital world, every online transaction goes far beyond a simple charge, being a point of contact between brand and consumer and an opportunity to strengthen trust. However, as in any critical moment, these operations are prone to failures, especially during high-traffic dates like Black Friday and Christmas.

It is in this scenario that Yuno's solutions make a difference. Through intelligent payment orchestration, the platform analyzes data and behaviors to define the best processing routes and perform strategic automatic retries, increasing approval rates and ensuring a smooth, frustration-free experience for the customer. Yuno's performance monitors act as a true intelligent Plan B. They identify, in real-time, any instability in a payment provider and trigger automatic failover, instantly redirecting the transaction to another path. This ensures continuity and security in the process. For the consumer, the result is a seamless experience; for the business, the certainty that every payment has a real chance of being approved.

Complementing this approach, smart routing chooses the most efficient path for each transaction, considering historical performance, costs, and regional characteristics. Thus, the system becomes more predictable and less dependent on a single provider, a differentiator during peak operational volumes. And so that nothing goes unnoticed, real-time monitoring tools track every transaction, triggering immediate alerts whenever something deviates from the expected, preventing minor failures from turning into greater losses.

“Digital transactions go beyond simple charges: they are crucial moments of trust between consumer and brand. Our technology not only reduces declines and ensures predictability during peak periods but also turns every transaction into an opportunity to strengthen relationships and generate consistent growth for the business,” states Campos.

Real-World Efficiency Cases

The application of payment orchestration technologies is already showing concrete results in companies from different sectors, demonstrating how intelligent solutions can translate into efficiency, scalability, and consumer trust.

One of the most emblematic examples is that of Rappi. The delivery giant, present in nine countries, reduced the response time to charging failures from about 10 minutes to milliseconds. In practice, this agility prevented thousands of unjustified declines and translated into direct revenue gains, but, above all, into loyalty. In a market where speed is the competitive differentiator, preserving the user experience even in the face of instabilities has become a valuable asset.

If in Rappi's case the priority was speed and real-time consistency, at Livelo the need was different: scalability. As one of Brazil's largest rewards companies, processing millions of transactions every month, the company needed predictability to sustain peaks in point accumulation and redemption, especially during promotional campaigns. The implementation of smart routing mechanisms and continuous monitoring brought operational stability and, at the same time, increased transparency in transaction tracking, making the process more reliable for customers and partners.

At an even more complex level, inDrive, a global urban mobility application, faced the challenge of operating on a global scale, with a presence in over 40 countries, each with different regulations, payment methods, and levels of digital maturity. In this scenario, financial orchestration proved essential to create an adaptable and predictable infrastructure, capable of responding to diverse realities without compromising the user experience or profit margins.

These examples reinforce that payment orchestration has ceased to be just a technical layer in the backend of operations. It has become a decisive factor for competitiveness, impacting not only revenue and efficiency but also reputation and loyalty. “Our commitment is to support companies with solutions that bring trust, keep pace with the dynamic market, and turn periods of high demand into opportunities for sustainable growth,” concludes Campos.