The Central Bank continues to expand the functionalities of Pix, consolidating the system as the main payment tool in Brazil. By 2025, three major innovations promise to make financial transactions even easier: Automatic Pix, Near Field Pix, and boleto payments ("BolePix"). The news enhances convenience and safety for consumers and businesses.
Pix similar to direct debit –With mandatory launch for all institutions starting June 16, 2025, Automatic Pix will allow recurring charging of variable amounts, bringing more predictability and security to companies that make periodic payments, such as gyms, condominiums, utility bills and streaming services.
“Automatic Pix represents a significant advance for companies and consumers. For businesses, it reduces default and operating costs. For users, it offers convenience and avoids delays in payments for essential services,” he explains.Thiago Amaral, partner at Barcellos Tucunduva Advogados in the areas of Payment Methods and Fintechs, PhD and Master in Commercial Law from PUC/SP and professor at FGV/SP and Insper.
Pix by Proximity –Already in the testing phase, from February 28, 2025, Near Field Communication (NFC) Pix will be available to the public, enabling instant transactions via NFC technology. Without the need to open banking apps or enter passwords, the payment can be made simply by bringing the smartphone close to a compatible device, similar to what already happens with contactless cards.
“The arrival of Pix via Contactless Payment will bring more agility and security to everyday payments. In addition, it will facilitate the e-commerce experience, reducing cart abandonment and making online shopping more fluid,” highlights Amaral.
BolePix, the evolution of the boleto –Another significant innovation is BolePix, which will integrate specific QR Codes into traditional invoices, allowing the customer to choose between Pix payment or bank slip. This feature, which is already available, ensures greater flexibility for consumers and efficiency for companies.
“BolePix speeds up payment confirmation and reduces operational costs, as it combines the immediate liquidity of Pix with the practicality of a bank slip. This is an essential modernization for the financial sector,” says Amaral.
For the expert, 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.
