The Central Bank continues to expand the functionalities of Pix, consolidating the system as the main payment tool in Brazil. For 2025, three major innovations promise to further facilitate financial transactions: the Automatic Pix, the Pix by Proximity and the payment of bills (“BolePix”). The news expands practicality and security for consumers and businesses
Pix similar to automatic debit – With mandatory implementation for all institutions starting from June 16, 2025, The Automatic Pix will allow the recurring collection of variable amounts, bringing more predictability and security for companies that make periodic payments, like gyms, condominiums, consumption bills and streaming services
"The Automatic Pix represents a significant advancement for businesses and consumers". For business, it reduces delinquency and operational costs. Already for the users, offers convenience and prevents delays in payments for essential services, explainThiago Amaral, partner at Barcellos Tucunduva Advogados in the areas of Payment Methods and Fintechs, doutor e mestre em Direito Comercial pela PUC/SP e professor da FGV/SP e do Insper.
Pix by Proximity – Already in testing phase, starting from February 28, 2025, the Pix by Proximity will be available to the public, allowing instant transactions via NFC technology. Without the need to open banking apps or type passwords, the payment can only be made by bringing the smartphone close to a compatible device, similar to what already happens with contactless cards
"The arrival of Pix by Proximity will bring more agility and security to everyday payments". Furthermore, will facilitate the experience in e-commerce, reducing cart abandonment and making online shopping smoother, highlights Amaral
BolePix, the evolution of the boleto – Another relevant innovation is BolePix, that will integrate specific QR Codes into traditional payment slips, allowing the customer to choose between payment via Pix or bank slip. This functionality, that is already available, ensures more flexibility for consumers and efficiency for companies
"BolePix accelerates payment confirmation and reduces operational costs", because it combines the immediate liquidity of Pix with the practicality of bank slips. This is an essential modernization for the financial sector, says Amaral
For the specialist, with these innovations, "Pix reaffirms its position as one of the most innovative payment systems in the world", ensuring more convenience, security and efficiency for users and companies, concludes Amaral
