Pix forces companies to adapt their payment methods.

Practically synonymous with a commercial transaction, given that the term "faz um Pix" is already ingrained in popular jargon, this payment option represents a significant portion of the Brazilian market. Part of the so-called "A2A methods" (account-to-account, in Portuguese), this category is a true trend in Brazil and Latin America, with the study The Global Payments Report 2024 indicating that, by 2027, 50% of the national payments sector will be encompassed by it. Therefore, companies, particularly e-commerce businesses, face the challenge of adapting their platforms to include it.

For context, the E-commerce Trends 2025 study points to Pix as the favorite payment method for 87% of e-commerce users. Furthermore, a survey by Confi.Neotrust indicates that the payment method moved approximately R$32 billion in the segment in 2023. "If we look closely, the history of commercial transactions in Brazil and Latin America is marked by digitization and the adoption of increasingly digital options. So much so that one of the most traditional methods of acquiring something, cash, is becoming scarce. Central Bank data shows that the circulation of paper money fell by 81% in the three years since Pix's existence," explains Walter Campos, general manager of Yuno, a global payments orchestrator.

In this way, retailers who do not offer Pix to their users risk losing sales and falling behind, seeing customers go to competitors. Recently, an Opinion Box study indicated that 78% of e-commerce consumers tend to abandon their online shopping carts. Of this total, 13% claimed not to complete their purchases due to the lack of their preferred payment method. "With the digital revolution we are seeing, not adapting to new needs generates significant losses and revenue decline. The Global Payment 2024 study shows that the most used options in Brazil are credit cards, currently representing 26% of the sector, and Pix, with 29%. Therefore, it is practically mandatory for retailers to include them in their checkout process," points out Walter Campos. **Note:** The numbers (78%, 13%, 26%, 29%) are likely typos or placeholders for percentages. The translation maintains the format but assumes the numbers represent percentages. If you can provide the correct percentages, the translation will be even more accurate.

However, even with Pix's widespread success, the executive recommends that merchants maintain as many payment methods as possible on their platforms, as this is a way to encompass a larger consumer base. "It's a mistake to think the checkout should only have the most popular option. People choose their payment method based on their needs. For example, someone who usually pays in installments for their products tends to choose credit card, just as those who opt for digital wallets because they can be accessed even through smartwatches," Walter Campos recommends.

Therefore, to have a complete and satisfying checkout experience for all types of customers, the professional recommends that online retailers adopt solutions like payment orchestration. This technology allows retailers to enable their preferred payment options with a single click, eliminating bureaucratic hurdles. "While the traditional method, negotiating each payment method individually, takes approximately 52 weeks to integrate everything, this technology allows resolution in 2 to 6 weeks. Furthermore, management is simpler, as all the information is displayed on a single screen," states Walter.

The professional also highlights other advantages of payment orchestration. "The technology offers better approval rates, as the purchase goes through different providers. So, if the acquisition is rejected by one, the system redirects to another path, preferably with lower fees, which increases the chances of success and generates cost savings. Furthermore, by working with the best fraud prevention systems on the market, they make e-commerce safer from common scams," concludes Walter Campos.