Pix

In Brazil, the largest economy in Latin America, the digital economy and online payments are experiencing explosive growth. As internet penetration rises to 84%, the total value of digital transactions is expected to surge from USD312.8 billion in 2025 to USD862.5 billion by 2029, showing enormous market potential.

Brazil's consumer landscape stands out for its unique blend of credit card installment culture and instant payment system Pix. Newcomers to the market like you need not choose between these two mainstream payment methods. By integrating Pix, you can effectively reach out to Brazil's 140 million users who value speed and accessibility.

In addition, Brazil's e-commerce market is booming, with as much as 57.9% of consumers shopping happening online every week. Amid this strong momentum, the Pix payment system, launched by the Central Bank of Brazil in 2020, is gaining strong traction. With its instantaneous transfer and 24/7 availability, Pix has already captured 41% of the online payment market.

More importantly, the purchasing power of Brazilian users have yet to be fully realized. In an e-commerce market valued at USD48.26 billion and with nearly 90 million gamers (whose ARPU is only half the global average), offering Pix as a low-barrier, trusted payment option can significantly reduce users' inertia to pay. This helps re-engage potential customers who abandoned purchases due to complex payment processes or credit card security concerns, unlocking even greater growth opportunities.

Properties

The properties of the Pix payment method are shown in the following table:

User experience

Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following figures show the journey of paying with Pix:

QR code:

1. The buyer selects Pix (payment method) to pay.

2. The buyer obtains the QR code in Antom page.

3. The buyer scans the QR code with the banking app.

4. The buyer confirms the payment information.

5. The buyer is redirected to the merchant result page.

Payment code:

1. The buyer selects Pix (payment method) to pay.

2. The buyer copies the payment code in Antom page.

3. The buyer pastes the code to the banking app.

4. The buyer confirms the payment information.

5. The buyer is redirected to the merchant result page.

FAQs

1. I have just expanded my business to Brazil and have limited resources, which payment option should I offer first, Pix or credit card?

We suggest offering both, but prioritize Pix if you need to. From a cost-effectiveness standpoint, Pix offers simpler and more affordable integration, and it settles faster, allowing you to cover 41% of online payment demand at minimal cost while generating immediate cash flow. You can launch Pix through Antom first, while preparing for credit card integration in parallel to maximize resource efficiency.

2. Besides offering payment options, can Antom help me better understand Brazilian consumers' shopping preferences?

Absolutely. When you process payments through Antom, you gain more than just transaction data. Our analytics dashboard provides anonymized insights, including Pix payment time patterns, average transaction values, and user distribution by region. This information offers valuable insights for refining your marketing strategies, managing inventory, and planning promotional campaigns.

3. In case of any changes to Brazil's payment policies or Pix's regulations in the future, do I have to follow-up on these and implement them myself?

There is no need to worry, this is exactly where Antom offers you added value. As your local payment partner in Brazil, Antom monitors all regulatory updates 24/7. For any material changes that could impact your business, we'll inform you in advance via official emails and merchant dashboard notifications. This ensures a seamless transition and uninterrupted operations.

4. I've already added international credit card payment options, would adding Pix make my checkout process more complicated?

Quite the opposite. Integrating Pix actually simplifies the checkout experience. For the large number of Brazilian consumers who either don't have credit cards or prefer instant payments, Pix is the most familiar and trusted option. Adding Pix doesn't increase the complexity. Instead, it removes barriers to payment. With Antom's unified checkout, you can present all payment options seamlessly and use our intelligent routing system to guide users toward the most suitable method, effectively boosting the overall conversion rate.

5. Since Pix has a "no chargebacks" feature, does that mean I lose the right to dispute and must take on all fraud risks myself?

Quite the opposite. The "no chargebacks" mechanism actually creates a clearer and fairer risk management environment. It simply means that consumers cannot unilaterally reverse a transaction as they can with credit cards, allowing you to completely avoid malicious chargebacks and secure your transaction results. However, this does not affect your ability to initiate refunds through the Antom platform within 180 days—you still retain full control over legitimate after-sales requests.

Moreover, external fraud prevention is a key focus of Antom's intelligent risk control system, powered by an AI decision-making model built on tens of billions of parameters. Our system performs real-time transaction monitoring and risk scoring to detect and intercept suspicious activities as they occur. In short, "no chargebacks" protects you from consumer fraud, while Antom's risk control framework safeguards you from external fraud risks. Together, they provide you with a safer and more manageable payment environment.

6. Is Pix suitable for my industry?

That depends on your users and business model, but there's one clear rule of thumb: if your target audience includes Brazilian consumers, it is essential for you to offer Pix option.

Pix's versatility goes far beyond any specific industry. It covers 75% of Brazil's population and accounts for 41% of all online payments in the country. Whether you're offering digital products, subscription services, or physical goods, Pix is always a powerful tool to boost your conversion rates, thanks to its instant payment experience and significantly lower fees compared to credit cards.

Start integrating Antom's Pix solution today and unlock your next stage of growth in Brazil with a safer and more cost-effective payment experience.