In just a few short years, Brazil has redefined what “instant payment” really means. The country’s homegrown system, Pix, has transformed from a central bank initiative into a nationwide movement — changing how millions of people and businesses exchange value every day.
What makes Pix remarkable isn’t just its scale, but its impact. It has democratised access to finance, brought small merchants online, and made cash feel almost obsolete in a society that once depended on it.
What began as a government-backed experiment has evolved into Brazil’s favorite way to pay. Pix has reshaped how people move money — from morning coffee runs to monthly bills and online shopping sprees. With instant transfers available anytime, anywhere, it’s now deeply woven into the country’s digital lifestyle.
For businesses, Pix isn’t just a payment method — it’s an enabler of growth. Its speed, low cost, and accessibility are redefining what seamless transactions look like in one of the world’s most mobile-driven economies.
In Brazil, adopting Pix is not merely about offering an additional payment option — it’s about activating a powerful growth mechanism that directly influences revenue, profitability, and operational resilience.
Pix delivers on the promise of “pay now, settle now.” Once a customer completes a payment, Antom can settle funds with merchants almost instantly — eliminating the 30-day credit card settlement cycle and transforming liquidity management.
2. Lower Transaction Costs, Higher Margins
Built and operated by the Central Bank of Brazil, Pix bypasses traditional international card networks, significantly reducing processing fees. For high-volume merchants, these savings can translate directly into notable profit gains — freeing up capital for pricing flexibility, marketing, or reinvestment.
3. Conversion Booster for New-Market Entrants
For new brands entering Brazil, the ability to reach unbanked or underbanked consumers is crucial. Many first-time users do not have cards linked to online platforms. With Pix, customers skip the friction of lengthy card inputs and checkout forms, completing transactions in under 10 seconds — a decisive advantage for impulse-driven sectors like e-commerce and gaming.
Pix transactions are final and irrevocable. Once funds are transferred, they cannot be unilaterally reversed by the buyer — freeing merchants from costly chargeback disputes and the complex rules imposed by card schemes. The result: smoother operations, less fraud, and greater confidence for both merchants and customers.
Together, these four strengths form the foundation of Pix’s appeal — a holistic ecosystem that enhances cash flow, profitability, conversion, and risk control to power sustainable growth.
Forward-thinking merchants in Brazil leverage differential pricing and targeted incentives to encourage Pix adoption — a practice explicitly permitted under Law No. 13.455/2017.
The law allows merchants to apply different prices based on payment method or payment terms, provided the price differences are clearly disclosed before the transaction is completed.
Common approaches include:
These strategies strengthen conversion and customer retention while preserving profitability — a win-win for both merchants and customers.
While driving growth is essential, a secure digital payment environment is the foundation of sustainable business. Understanding Pix’s technical and regulatory setup is crucial before integration.
Many providers claim direct connections to the Central Bank’s network, but in reality, most rely on third-party intermediaries known as Payment Service Technology Integrators (PSTIs). These intermediaries simplify access but introduce potential points of failure and security vulnerabilities.
Recent incidents have highlighted the risks associated with such intermediaries, showing how system weaknesses can threaten funds and disrupt operations. In response, regulators have tightened rules for PSTI-connected institutions, limiting transactions and enforcing stricter operational standards.
Choosing a payment partner with robust infrastructure and direct network access minimizes these risks. A streamlined, controlled payment chain reduces failure points, enhances reliability, and ensures business continuity, giving merchants confidence as they scale in Brazil.
Antom recognizes that security and cost efficiency are top priorities for merchants. Our localized Pix solution is built to minimize risk while driving maximum business returns.
As a leading digital payments platform under Ant Group, Antom brings nearly two decades of fintech expertise and a global network. We go beyond payment access, serving as a strategic partner for businesses expanding internationally.
With experience in over 200 markets and settlement in 100+ currencies, Antom provides robust payment infrastructure that supports seamless global operations. In Brazil, we deliver tailored Pix solutions for e-commerce, gaming, and digital entertainment companies.
Through a single integration, merchants can securely enable Pix instant payments. Our AI-powered tools optimize authorization success, streamline checkout experiences, and reduce cross-border settlement costs — ensuring each transaction adds real value to your business.
Antom enables merchants to connect to Pix with a single, streamlined integration.
Our solution ensures real-time payments, reducing friction for customers and improving checkout success.
Unlike multi-layered industry setups, Antom works directly with top-tier Brazilian financial institutions.
This reduces third-party risk, offering a stable, bank-grade secure payment environment for every transaction.
Pix itself offers low transaction costs, and Antom leverages its local expertise to provide even more favorable rates.
Lower costs mean higher profit margins, giving merchants room for competitive pricing and marketing investments.
Antom’s AI-driven decision engine optimizes each transaction path based on real-time success rates and risk data.
This ensures the highest authorization rates, minimizing failed payments and lost revenue.
We provide multiple Pix integration options, including APIs-only, hosted solutions, and embedded checkout pages.
This allows merchants to maintain full control over user experience while speeding up deployment.
Antom supports BRL and multi-currency settlements, with flexible refund policies and customizable payout schedules.
Merchants can better manage cash flow, handle digital goods or in-app purchases, and predict revenue with clarity.
Antom goes beyond payments — we empower merchants to scale confidently in Brazil’s evolving digital landscape.
By combining secure infrastructure, AI optimization, and deep local insight, Antom ensures every Pix transaction delivers maximum value, compliance, and growth potential.
For industry-specific data, case studies, and tailored integration strategies, contact our payment specialists for a one-on-one consultation.
Let Antom help you turn Brazil’s payment revolution into your competitive advantage.