Other methods besides PIX have five payment trends for 2025

The use of Pix as a payment method is already a national habit among Brazilians. Used by 76.4% of the population, according to a survey by the Central Bank, Pix is accepted by Brazilian merchants in the digital environment. Among all available payment options in Brazil, the service provided by the Central Bank is the most sought-after by Brazilians.

Recently, a series of rumors have emerged regarding the availability and charging of fees for Pix. This misinformation has significantly impacted the system's usage. Many Brazilians, both business owners and individuals, have become apprehensive about using it. Although this has generated some concern across Brazil, it does not translate to the payment method each citizen intends to use in 2025, with many still planning to utilize it.

However, according to data from the Central Bank (BC), the percentage of contactless credit card transactions increased from 23.1% in 2022 to 31.1% in 2023.

Better known as contactless payments or payments via NFC (Near Field Communication), this trend is driven by digitalization, the increased use of smartphones and smartwatches, and the convenience of not having to enter PINs or remove the card from the wallet. The use of mobile phones…

Regarding future developments, Drex, being the CBDC (Central Bank Digital Currency), promises greater speed, security, and financial inclusion for large transactions. Drex is a digital version of the Real, meaning one Drex equals R$1, with the distinction that it only exists in digital wallets and is accessed solely through digital wallets at financial institutions.

Drex is currently in a pre-testing phase with an expected launch in 2025. Its intended purpose is to enable the creation of currencies and compressed assets for use in the exchange of goods or in more complex transactions, such as the purchase of real estate and automobiles, among others, through the use of smart contracts. Unlike PIX, which is an instant payment system, Drex is the digital currency itself.

Digital assets extend beyond speculative use, and cryptocurrencies are becoming practical alternatives for payments. According to the Statista platform, in 2023 alone, transactions involving these assets reached $1.62 billion, with an expected growth of 200% by 2030. Fast-food chains, such as Burger King and KFC, already accept cryptocurrencies as a form of payment in countries like Canada and Venezuela.

Backed by stable assets, such as the US dollar or the Brazilian real, stablecoins differ from other cryptocurrencies by being pegged to a specific value and are becoming a new payment alternative. Monthly, more and more departments at Visa and Mastercard are incorporating these assets into their payment networks, allowing for greater speed and reduced costs in international transactions.

The “Buy Now, Pay Later” (BNPL) model stands out by enabling consumers who lack access to credit cards or loans to use services and products with interest-free installments. Mobiup already has a solution called Trade and Go that offers this type of payment. This modality, already widely offered by fintechs, is now being adopted by large financial institutions and retailers. By 2025, further advancements with BNPL are likely, where it will be better integrated into shopping apps and banking platforms, enhancing the user experience.

The year 2025 will bring dramatic changes to payment methods, which is highly positive for users who have more options to manage their assets, as it allows for greater flexibility and security.