Since the beginning, Pix was designed to be simple, fast, and accessible, and it proved to be exactly that. In 2024, it moved more than USD 5.2 trillion, with 63.5 billion transactions, according to the Central Bank of Brazil. But one important step was still missing to broaden its role in commerce: installment payments.
The habit of splitting payments is deeply rooted in Brazilian consumer behavior, especially in higher-value purchases. And to meet this demand, while also promoting financial inclusion, the Central Bank of Brazil announced in April 2025 the launch of Pix Parcelado (Installment Pix).
In this article, we explain what this new functionality is and why it can be strategic for global companies looking to integrate Pix into their operations in Brazil.
What is Pix Parcelado?
This is a new functionality announced by the Central Bank of Brazil, with launch planned for September 2025. The proposal is to allow consumers to make payments via Pix in installments, with credit granted at the time of the transaction.
In practice, the buyer will be able to split the total amount into monthly installments, with interest applied according to the financial institution’s conditions, while the recipient receives the full amount instantly, just like any regular Pix transaction.
According to the Central Bank of Brazil, the goal is to expand the use of this instant payment method for higher-value purchases, offer an alternative to credit cards, and strengthen financial inclusion in the country, especially for consumers who currently don’t have access to traditional credit options.
Financial inclusion and the rise of digital payments
This payment method has the potential to improve access to credit in Brazil, especially for individuals outside the traditional financial system. Here’s the context:
- 52 million Brazilians do not have access to credit cards (Central Bank of Brazil)
- A payment method already used by more than 160 million people, familiar and trusted in everyday life (Central Bank of Brazil)
- Shows accelerated growth, of 30.9% compared to the previous year, with more than 60 billion digital transactions in the first half of 2024 (Central Bank of Brazil)
- Responsible for 44.8% of all these transactions, Pix has established itself as the most used payment method in the country (Central Bank of Brazil)
By enabling installment payments with credit granted instantly, Pix Parcelado expands consumption possibilities, reduces reliance on cards, and brings more people into the center of the digital economy.
Impact on global companies
Updates to Pix represent a concrete opportunity for international companies that operate, or want to operate, in Brazil. With Pix Parcelado, by combining instant payment for the recipient with accessible installments for the consumer, market reach increases and conversion improves throughout the payment journey.
Key benefits:
- Immediate liquidity, even in installment purchases
- Broader access to new customers, including those without credit cards
- Reduced operational costs, with less dependence on acquirers and intermediaries
- Greater local competitiveness, with a payment experience tailored to Brazilian culture
In short, for global companies, integrating Pix into the payment journey means offering an experience aligned with local consumer behavior, which can maximize their presence in Brazil with efficiency, scale, and market fit.
Pix is transforming and smart businesses should too
The Brazilian payments market is constantly evolving, and Pix is one of the main drivers of this transformation. With the arrival of Pix Parcelado, the system becomes even more robust, expanding access to credit and strengthening its role as essential infrastructure in the digital economy.
For companies looking to expand their presence in Brazil, staying updated on these innovations is essential. And having a strategic partner like FacilitaPay can make all the difference, offering local expertise, regulatory compliance, and tailored solutions to integrate Pix and other payment methods into your business.
Talk to our specialists and discover how FacilitaPay can boost your presence in the Brazilian market.
Note: All monetary values in this article were converted using the April 2025 exchange rate. Values are approximate and for reference only.
