Future of payments: Pix already accounts for more than 50% of transactions in Brazil and presses transformation of SMEs

The transformation of the payments ecosystem in Brazil has accelerated the debate on the traditional role of the bank slip in the face of the popularization of Pix and the digitization of financial processes in companies. According to data from the Central Bank, Pix has already accounted for more than 50.9% of all financial transactions in Brazil in the first half of 2025, with almost 37 billion transactions registered, reinforcing its position as the dominant means of payment in the country.

In this scenario, the demand for solutions that organize, validate and automate critical steps of the financial flow also grows, especially in small and medium-sized companies (SMEs), which deal with large amounts of data, contracts, invoices and remuneration calculations. Founded to meet this need, the SplitC, software specialized in the automation of variable remuneration (VR) calculation, closely follows this movement through the behavior of its customers, who seek more control, traceability and efficiency over values that directly impact cash.

According to Gabriel Segers, co-founder and CEO of SplitC, ,“ digitization of payment methods is no longer a trend, it is a reality that is already transforming the way companies manage their receivables and financial commitments. Pix has driven this change by making transactions instant and low cost, but the real gain in efficiency happens when companies better organize the information that precedes the payment, such as calculations, validations and compensation rules.”

A recent report indicated that Pix processed approximately 64 billion transactions in 2024, a growth of more than 50% over the previous year, exceeding the combined transactional volume of credit and debit cards. Still, the bank slip continues to move billionaire values, estimated at about R$ 2.47 trillion in B2B transactions, which shows that it still plays a relevant role in several segments.

For Segers, this coexistence points to an evolution of the financial model, and not to the simple replacement of one medium by another. “O we are observing is the transition from a fragmented and manual system to an ecosystem in which data, business rules and financial processes are orchestrated in an integrated manner. This brings benefits such as greater cash predictability, reduction of errors and efficiency gains for the” SMEs, he explains.

In addition to the increase in the use of Pix, another indication of this transformation is the growing adoption of specialized solutions that automate the calculation of commissions and bonuses, offer real-time visibility of values to employees and partners, allow digital signature of documents, sending, collecting and self-validation of invoices, and structure this information so that payment happens in a more secure and organized way.

Segers highlights: “When the company automates the calculation of variable remuneration and centralizes rules, contracts and validations, it drastically reduces rework, manual spreadsheets and divergences. This directly impacts the financial health of the business, regardless of the means of payment used.”

According to the CEO, the debate on the future of the boleto and the consolidation of Pix goes beyond technology. “It is linked to the maturity of the financial management of companies. As automation and governance solutions gain ground, SMEs start to operate with more transparency, predictability and competitiveness in an increasingly digital environment”, he concludes.