Black Friday 2025: Card Installments Share Spotlight with Pix in Brazilian Purchases

With the approach of Black Friday, the retail and e-commerce's main event, the choice of payment methods gains even more importance. According to the... Yampi Black Friday 2024 ReportAnalyzing the purchasing behaviors of platform merchants, the credit card maintained absolute leadership, accounting for 57.26% of transactions. Following closely, Pix solidified its position as the second-largest force, responsible for 41.85% of orders. 

The bank boleto fell to 0.87%, while other payment methods were practically residual (0.02%). The numbers indicate a trend that should repeat in 2025 and highlight a changing landscape: while credit remains a well-established tradition, instant payment is advancing as the preferred option for consumers and merchants.

This is a movement that is aligned with the numbers released by Brazilian Federation of Banks (Febraban)Pix ended 2024 with 63.8 billion transactions, a 521% increase compared to 2023, when 41.9 billion transactions were recorded. The volume surpassed the combined total of credit cards, debit cards, boleto payments, TEDs, prepaid cards, and checks, which totaled 50.8 billion.

"During Black Friday, every detail matters. The simpler and more flexible the payment options, the greater the chances of closing the sale and earning customer trust. This is where the importance of reviewing and preparing available alternatives comes in, ensuring fluidity and security for the public during one of the most competitive moments in e-commerce," says Gustavo Miller, Marketing Director at Yampi.

Installments provide breathing room, Pix boosts modernization of transactions

In Miller's assessment, installment credit remains relevant because it reflects the country's macroeconomic situation. In a context of rising default rates and limited incomes, the option of breaking down payments into installments becomes essential to preserve the purchasing power of the population. Meanwhile, Pix symbolizes the modernization of consumption habits, bringing convenience, speed, and low operational costs for businesses and clients.

Payment methods have evolved beyond simply completing purchases and have become a strategic core for e-commerce. They directly influence revenue, consumer trust, and a brand's market position. During Black Friday, the choice and management of these alternatives can determine the conversion rate and also the perception of the company's strength and preparedness to handle high transaction volumes," the executive added.

Furthermore, an efficient payment system is crucial for the success of any e-commerce operation. When transactions are simple and have a high approval rate, the chance of conversion increases, reducing user frustration and cart abandonment rates.

Protection is another key aspect. Platforms that prioritize stable methods strengthen customer security, who perceive clarity in the steps, transparency in the values, and barriers against fraud. "It's worthwhile to leverage seasonal dates to make the acquisition journey smoother and expand loyalty, which strengthens the brand image," concludes Gustavo Miller.