Black Friday 2025: Installment plans on credit cards share the spotlight with Pix for Brazilian shoppers

With the approach of Black Friday, the main retail and e-commerce date, the choice of payment methods becomes even more important. According to the... Yampi Black Friday 2024 ReportAnalyzing purchase behaviors of platform merchants, the credit card remained the absolute leader, accounting for 57.26% of transactions. Following closely, Pix solidified its position as the second-largest driver, responsible for 41.85% of orders. 

The bank-issued boleto fell to 0.87%, while other payment methods were practically residual (0.02%). These numbers indicate a trend that should repeat in 2025 and highlight a changing landscape: while credit remains a firmly established tradition, instant payment is advancing as the preferred option for consumers and retailers.

This is a movement that aligns with the numbers released by Brazilian Federation of Banks (Febraban)Pix ended 2024 with 63.8 billion transactions, a 521% increase compared to 2023, when 41.9 billion transactions were recorded. The volume surpassed the combined transactions of credit cards, debit cards, bank drafts, TEDs (transferência eletrônica disponível), prepaid cards, and checks, which totaled 50.8 billion.

"During Black Friday, every detail counts. The simpler and more flexible the payment options, the greater the chances of closing the sale and building customer trust. This is where reviewing and preparing available alternatives becomes crucial, ensuring a smooth and secure experience for shoppers during one of the most competitive periods in e-commerce," says Gustavo Miller, Marketing Director at Yampi.

Installments provide breathing room, Pix fuels modernization of transactions

In Miller's assessment, installment credit remains relevant because it reflects the country's macroeconomic scenario. In a context of rising default rates and income limitations, the option of breaking down payments into installments becomes essential to preserving the purchasing power of the population. Meanwhile, Pix symbolizes the modernization of consumer habits, combining convenience, speed, and low operational costs for businesses and customers.

Payment methods are no longer simply a checkout feature; they've become a strategic axis for e-commerce. They directly influence revenue, consumer trust, and brand position in the market. During Black Friday, the choice and management of these alternatives can determine conversion rates and also the perception of the company's strength and preparedness to handle high transaction volumes," the executive adds.

Furthermore, an efficient payment system is crucial for the success of any e-commerce operation. When transactions are simple and have a high approval rate, the conversion rate increases, reducing user frustration and cart abandonment rates.

Protection is another key aspect. Platforms prioritizing stable methods strengthen client security, who perceive clarity in the steps, transparency in values, and barriers against fraud. "It's worthwhile to leverage seasonal dates to make the acquisition journey smoother and increase loyalty, which strengthens the brand image," concludes Gustavo Miller.