The year is not over yet but Pix has already made it clear that its rise is not a passing trend but a structural transformation in the Brazilian payments system
The proof of this are two recent records. In November during Black Friday the country recorded 297.4 million transactions in just one day moving more than $30.6 billion (R$166 billion), a historic milestone that already seemed difficult to surpass. A few days later on December 5, Brazil reached a new level with 313.3 million transactions in 24 hours surpassing 300 million operations for the first time and moving nearly $33.1 billion (R$180 billion) in a single day
These numbers prove not only the strength of Pix but also the speed with which its use has become dominant in the lives of consumers and businesses making clear that the future of payments is instant and that Brazil has already turned this future into the present
What to expect for 2026
The popularization of Pix has changed the way people pay in Brazil, people got used to settling everything in seconds on their phones without depending on bank hours and without waiting for settlement, what was once an alternative today is the preferred route for transfers everyday purchases and bill payments The Central Bank has been reinforcing this direction by placing the evolutionary agenda for Pix as a regulatory priority for 2025/2026 with a focus on making the system simpler at the edge and more robust in the back end. Among the announced fronts are
- Pix Automático (Automatic Pix): available to the public since June 2025 and expanding throughout 2026;
- MED 2.0: enhancements to refund rules in cases of fraud with evolution expected under the agenda;
- Pix em garantia (Pix receivables as collateral): where the proposal is that future Pix receivables are used as collateral in credit operations, due to requiring complex infrastructure this is planned for the 2026/2027 agenda;
All of this happens in harmony with Open Finance, which is also a priority for the Central Bank for the coming year and brings payment initiation data sharing and Pix usage in integrated digital journeys even closer creating an environment where the consumer pays more fluidly while businesses gain more predictability and control over their flows
The future of payments has already begun and it is instant
Given this progress understanding how a Pix transaction really happens stops being just curiosity about the Brazilian market and becomes a basic step for any company that is looking at the country especially for those in markets where there is nothing like instant payment via key or QR code
That is exactly why we prepared a free one pager that explains in a simple visual way how a transaction works via Pix Key and via Pix QR Code, which becomes the first step to expanding your operations to Brazil by understanding how the region’s main payment method works
Download your free one pager here
Source: Central Bank of Brazil
