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 gains even more relevance. According to the Yampi Black Friday 2024 ReportAnalyzing purchase behaviors of platform merchants, the credit card remained the absolute leader, 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 slip fell to 0.87%, while other methods were practically residual (0.02%). These figures indicate a trend that should repeat in 2025, and highlight a shift in the landscape: while credit remains a well-established tradition, instant payment is advancing as the preferred option for consumers and retailers.

This is a movement 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 operations of credit cards, debit cards, bank drafts, TEDs (electronic fund transfers), prepaid cards, and checks, which totaled 50.8 billion.

"During Black Friday, every detail counts. The simpler and more flexible the payment options, the greater the chance of closing the sale and earning customer trust. This is where reviewing and preparing available alternatives becomes crucial, ensuring smooth and secure transactions for customers during one of the most competitive periods in e-commerce," says Gustavo Miller, Marketing Director at Yampi.

Installment plans provide breathing room; Pix boosts transaction modernization.

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

Payment methods have evolved beyond simply completing purchases and have become a strategic cornerstone of e-commerce. They directly influence revenue, consumer trust, and a brand's market position. During Black Friday, the selection 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 abandonment rates at checkout.

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