The Pix, that has already established itself as one of the main payment methods in Brazil, is about to enter a new revolutionary phase. Only in the first half of 2024, approximately 28 billion transactions were made via Pix, moving R$ 11 trillion, demonstrating the growing adoption of this technology by Brazilians. Now, to further ease the financial life of the population and institutions, Pix is preparing to introduce a new feature: contactless payment
The Central Bank of Brazil recently announced the new rules and governance structure for this innovative method. From November 14, 2024, the banks will start testing this new form of transaction, and on February 28, 2025, the novelty will be officially available to customers. This modern and efficient solution will enable fast payments, without the need for customers to access their bank accounts directly
Marcelo Modesto, CEO of Avivatec, a technology ecosystem specialized in solutions for the financial market, highlights the importance of this innovation. The integration of the contactless payment model with Pix is a significant advancement in the financial sector, but it also requires investments in infrastructure. The Instant Payment System was essential for the implementation of Pix in Brazil. The combination of this technology with NFC (near field communication) for contactless payment is, naturally, the next level. About 82% of people already use contactless payment via credit and debit cards. With that, the approach via Pix becomes a great milestone for everyone, making daily operations more agile and secure. We are ready for this innovation and to ensure that everyone can enjoy the benefits of this new technological solution,"comments Modesto
Since its launch in 2020, Pix has offered a quick alternative, secure and free for transfers, differentiating itself from the old options, like TED and DOC. In 2023, payments made by this method totaled more than R$ 17 trillion, representing about 58% of the value traded from 2020 to October 2023. On a single day at the beginning of last month, more than 224 million transactions were made via Pix, moving around R$ 119,4 billion, setting a new record
We have observed a continuous growth in the use of Pix, not only in the number of transactions, but also in its popularity as a payment method in various everyday situations. The practicality and security offered by institutions are transforming the financial behavior of Brazilians and businesses. Furthermore, the speed of transactions and the exemption from fees has attracted more and more users, consolidating Pix as an essential tool in the financial landscape,"explains Modesto"
According to data from PicPay, in the first half of 2024, the use of Pix for businesses and commerce increased by more than 140%, while among individuals the increase was 66%. With the arrival of Pix by proximity, the trend is that these transactions will grow even more, simplifying payments and enabling transactions through the digital wallet
