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

With the approach of Black Friday, the main retail and e-commerce date, the choice of payment methods becomes even more important. According to the... Yampi Black Friday 2024 ReportAnalyzing purchase 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 driver, responsible for 41.85% of orders. 

The bank draft fell to 0.87%, while other payment methods were practically residual (0.02%). The figures indicate a trend expected to continue in 2025, and highlight a change in the landscape: while credit remains a firmly established tradition, instant payment is advancing as the preferred option for consumers and merchants.

This is a movement aligned with the numbers released by Brazilian Banking Federation (Febraban)Pix ended 2024 with 63.8 billion transactions, a 521% growth compared to 2023, when 41.9 billion transactions were recorded. The volume surpassed the combined operations of credit cards, debit cards, bank drafts, 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 building 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 times in e-commerce," says Gustavo Miller, Marketing Director at Yampi.

Parcelado provides breathing room, Pix boosts modernization of transactions

In Miller's assessment, installment credit remains relevant because it reflects the country's macroeconomic scenario. In a context of rising default rates and limited income, the option of breaking down payments into installments becomes essential to preserve the population's purchasing power. Pix, on the other hand, symbolizes the modernization of consumer habits, combining convenience, speed, and low operational costs for businesses and customers.

Payment methods have evolved beyond simply completing purchases; they've 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 conversion rate increases, reducing user frustration and cart abandonment rates.

Protection is another key aspect. Platforms prioritizing stable methods strengthen customer security, providing clarity in the steps, transparency in values, and barriers against fraud. “It's worthwhile to leverage seasonal dates to smooth the acquisition journey and increase loyalty, which strengthens the brand image,” concludes Gustavo Miller.