Practically synonymous with commercial transaction, since the term "make a Pix" is already ingrained in popular jargon, this payment option represents an important share of the Brazilian market. Belonging to the so-called "A2A methods" (account to account, in Portuguese translation), the category is a true trend in Brazil and Latin America, with the study The Global Payments Report 2024 indicating that by 2027, 50% of the national payments sector will be encompassed by it. In this way, companies, especially e-commerce ones, face the challenge of adapting their platforms to have it.
To give an idea, the E-commerce Trends 2025 study points to Pix as the favorite for 87% of e-commerce users. Furthermore, a survey by Confi.Neotrust indicates that the payment method moved approximately R$ 32 billion in the segment in 2023. If we look closely, the history of commercial transactions in Brazil and Latin America is marked by digitalization and the adoption of increasingly digital options. So much so that one of the most traditional methods of acquiring something, cash, is becoming scarce. Central Bank data shows that the circulation of paper money has decreased by 8% in the three years of Pix's existence, explains Walter Campos, general manager of Yuno, a global payments orchestrator.
In this way, the retailer who does not offer Pix to their users risks losing sales and falling behind, seeing the customer go to competitors. Recently, a study by Opinion Box indicated that 78% of e-commerce consumers tend to abandon their online shopping carts. Of this total, 13% claim not to complete their purchases due to the lack of their favorite payment method. "With the digital revolution we are witnessing, not adapting to new needs causes significant losses and revenue decline. The study The Global Payment 2024 indicates that the most used options in Brazil are credit cards, which currently account for 26% of the sector, and Pix, with 29%. Therefore, it is almost mandatory for retailers to have them in their checkout," emphasizes Walter Campos.
However, despite the great success of Pix, the executive recommends that merchants keep as many payment methods as possible on their platform, as this is a way to encompass a larger number of consumers. "It is a mistake to think that checkout should only have the most popular option. This is because people choose their payment method according to their needs. For example, someone who usually pays in installments tends to choose a credit card, just as those who opt for digital wallets because they can be accessed even through smartwatches," recommends Walter Campos.
Therefore, to have a complete checkout that satisfies all types of customers, the professional recommends that online retailers adopt solutions like payment orchestration, technology in which, with a single click, the retailer can enable the options they desire most without bureaucracy. "While the traditional method, negotiating method by method, takes about 52 weeks to integrate everything, with this technology the resolution takes between 2 and 6 weeks. Additionally, management is simpler, since all the information is in a single screen," points out Walter.
The professional also draws attention to other advantages of payment orchestration. "Technology offers better approval rates since the purchase goes through different providers. So, if the acquisition is rejected by one, the system redirects to another, preferably with lower rates, which increases the chances of success and reduces costs. Additionally, by working with the best anti-fraud solutions on the market, they make e-commerce safer against the most common scams," concludes Walter Campos.
