Security becomes a strategic priority in payment methods, points out Worldpay

Brazil is experiencing a unique moment in the global payments landscape. According to the Global Payments Report 2025, prepared by Worldpay, a technology and payments solutions company, Brazil is among the leaders in innovation, driven by the success of Pix and the rapid adoption of digital wallets. Now, the next challenge will be to combine the speed and convenience achieved in recent years with new layers of security and trust.

The study shows that Pix is already used by three in four Brazilians and moved more than US$1,000,000 in transactions last year, and is expected to surpass the volume of point-of-sale cards by 2025. Since its launch in 2020, Pix has helped halve the share of cash in Brazil, which fell from 351,000 in 2020 to just 171,000 in 2024.

Despite the progress of the successful system developed by Brazil, the Worldpay report indicates that the next chapter of digital transformation in Brazil will be trust.

"Pix has transformed the way Brazilians pay and is already being considered a successful model in several countries. However, the priority for financial technology companies in general is to expand their innovative systems and solutions with a focus on protecting against fraud and digital scams," says Juliana Campos, vice president of operations at Worldpay Latin America.

The study also highlights that, by 2030, digital payments are expected to account for more than 80% of the value spent in Brazilian e-commerce, in line with the global trend. This puts the country in a strategic position to set trends not only in Latin America, but worldwide.

Instant payment systems already existed worldwide before the development of Pix. This is the case with India's UPI (Unified Payments Interface), launched in 2016 and which reached 58% of in-store payments by 2024. In Brazil, Pix introduced innovations that meet the unique needs of Brazilians, such as the financial inclusion of thousands of people. In the last five years, it has already reached nearly 40% of participation at points of sale (POS), surpassing methods such as debit and boleto.

Another relevant fact is how Brazilians use multiple payment methods simultaneously. The study shows that 53% of consumers in the country fund their digital wallets with cards, a figure close to the global average (56%), but well below the 70% recorded in the US and the UK. For Worldpay, this indicates that Brazilian consumers are multichannel by nature, easily switching between Pix, cards, and digital wallets.

"The balance between agility and trust will be crucial for the future of retail. Brazilian consumers value convenience, but they don't compromise on security. The key differentiator for companies will be offering seamless, secure, and reliable digital experiences," adds Juliana.

Global Payments Report 2025

Conducted ten years ago, the Worldpay study analyzes the payment methods market in 46 countries across five continents. Today, it is established as the leading global payment methods guide and supports merchants in developing business plans and understanding their audience profiles and trends. To read the full study, visit: Link