As part of its constant innovation focused on the customer, dLocal announced today 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 widely used payment method in Brazil, surpassed 63.8 billion transactions in 2024—more than all cards and traditional methods combined—and already represents 29% of total online purchases. Until now, each transaction needed to be individually authorized by the user, which created friction in business models based on operations with variable frequency or value.
“SmartPix has arrived to simplify the shopping experience: it allows merchants to offer truly integrated payments, without QR codes or repeated validations, and fully leverage the potential of Pix in complex scenarios, such as event-based payments or variable amounts. It’s a technology designed to scale without losing security or control,” explained Gabriel Falk, SmartPix Product Manager at dLocal.
SmartPix, an upgrade for customers and vendors
SmartPix enables instant, secure, QR-code-free payments with Pix: the user’s initial authorization is converted into a secure identifier—a ‘token’—that allows payments to the same vendor (Uber, Amazon, Temu, among others) without the need to manually repeat the process each time. This way, Pix payments function like a saved credential, similar to using a stored card.
Thanks to this upgrade, businesses can:
- Increase user conversion and retention.
- Charge variable amounts, adapted to each transaction.
- Avoid using QR codes.
- Avoid delays due to repeated checkouts.
- Set up payments automatically without adding friction.
“We’ve managed to solve the challenge of tokenizing the Pix experience in Brazil. While Automatic Pix allows recurring payments with predictable frequency, SmartPix enables on-demand charges with variable amounts and no need to redo the checkout. No QR codes. No friction. A fully tokenized ‘Pix on file’ experience. With SmartPix, we’re redefining what Pix is capable of moving 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, which require dynamic payments based on active campaigns.
With SmartPix, dLocal ushers in a new era of digital payments: simpler, faster, and frictionless, expanding the boundaries of the Pix ecosystem and redefining how digital payments are made in Latin America.
