As part of its ongoing customer-centric 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 payments platform, SmartPix allows users to securely use Pix to make occasional or variable-value payments without having to manually authorize each transaction. It’s ideal for use in e-commerce and transportation applications, for example.
Pix, the most widely 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 all online purchases. Until now, each transaction had to be individually authorized by the user, which created friction in business models based on transactions with variable frequency or value.
“SmartPix is here to simplify the shopping experience: it allows merchants to offer truly integrated payments, without QR codes or repeated validations, and to fully leverage Pix’s potential in complex scenarios, such as payments based on events or variable amounts. It’s a technology designed to scale without losing security or control,” explained Gabriel Falk, SmartPix product manager at dLocal.
SmartPix, an update for customers and suppliers
SmartPix enables instant, secure, QR code-free payments with Pix: the user’s initial authorization is transformed into a secure identifier—a “token”—that allows payments to be made to the same provider (Uber, Amazon, Temu, among others) without having to manually repeat the process each time. This way, Pix payments function as a saved credential, similar to using a card on file.
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 completions/ checkouts repeated.
- Automatically set up payments without adding friction.
“We’ve solved the challenge of tokenizing the Pix experience in Brazil. While Automatic Pix allows recurring payments with predictable frequency, SmartPix allows on-demand charges, with variable amounts, and without the need to redo the checkout. No QR codes. No friction. A fully tokenized ‘Pix on file’ experience. With SmartPix, we’ve redefined what Pix can do going forward,” explains Gabriel Falk, product manager at dLocal.
Among the sectors that will benefit most from this solution, the following stand out:
- Transportation and delivery apps, where each trip or order has a different price.
- E-commerce and marketplaces, with multiple purchases per user at different times and for different amounts.
- Advertising platforms, which 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 the way digital payments are made in Latin America.
