The Central Bank continues to expand Pix’s functionalities, consolidating the system as the main payment tool in Brazil. For 2025, three major innovations promise to further facilitate financial transactions: Automatic Pix, Contactless Pix, and bill payment (“BolePix”). These new features increase convenience and security for consumers and businesses.
Pix similar to direct debit – With mandatory launch for all institutions starting June 16, 2025, Automatic Pix will allow recurring billing of variable amounts, bringing greater 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 businesses and consumers. For businesses, it reduces defaults and operating costs. For users, it offers convenience and avoids late 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, starting February 28, 2025, Pix by Proximação will be available to the public, enabling instant transactions via NFC technology. Without the need to open banking apps or enter passwords, payments can be made simply by tapping a smartphone against a compatible device, similar to what already happens with contactless cards.
“The arrival of Pix Contactless will bring more agility and security to everyday payments. Furthermore, it will streamline the e-commerce experience, reducing cart abandonment and making online shopping more seamless,” Amaral emphasizes.
BolePix, the evolution of the boleto – Another relevant innovation is BolePix, which will integrate specific QR Codes into traditional payment slips, allowing customers to choose between paying via Pix or bank slip. This functionality, which is already available, provides greater flexibility for consumers and efficiency for businesses.
“BolePix speeds up payment confirmation and reduces operational costs by combining the immediate liquidity of Pix with the convenience 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 greater convenience, security, and efficiency for users and businesses,” concludes Amaral.
