As part of its ongoing customer-focused innovation, 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-amount payments without having to manually authorize each transaction. It is ideal for use in e-commerce and transportation applications, for example.
Pix, the most used payment method in Brazil, surpassed 63.8 billion transactions in 2024 — more than all cards and traditional methods combined — and already accounts for 29% of total online purchases. Until now, each transaction had to be individually authorized by the user, which caused friction in business models based on frequent or variable value transactions.
"SmartPix has arrived to simplify the shopping experience: it allows merchants to offer truly integrated payments, without QR codes or repeated validations, and to maximize the potential of Pix in complex scenarios, such as event payments or variable amounts. It is a technology designed to scale without losing security or control," explained Gabriel Falk, product manager of SmartPix at dLocal.
SmartPix, an update for clients and suppliers
SmartPix enables instant, secure payments without QR codes using Pix: the user's initial authorization is transformed into a secure identifier — a "token" — that allows making payments to the same provider (Uber, Amazon, Temu, among others) without having to repeat the manual process each time. In this way, payments with Pix function as a saved credential, similar to the use of a stored card.
Thanks to this update, commercial establishments can:
- Increase user conversion and retention.
- Charge variable amounts, adapted to each transaction.
- Avoid using QR codes.
- Avoid delays due to finalizations/checkoutsrepeated.
- Establish automatic payments without adding friction.
“We managed to solve the challenge of tokenizing the Pix experience in Brazil. While Automatic Pix allows for recurring payments with predictable frequency, SmartPix enables on-demand charges with variable amounts and without the need to redo the checkout process. No QR codes. Without friction. A 'Pix on file' experience fully tokenized. With SmartPix, we are redefining what Pix is capable of from now on," explains Gabriel Falk, product manager at dLocal.
Among the sectors that will benefit the most from this solution, the following stand out:
- Transport 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 that 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.
