The transformation of the payments ecosystem in Brazil has accelerated the debate about the traditional role of bank slips in light of the popularization of Pix and the digitization of financial processes in companies. According to data from the Central Bank, Pix already accounted for more than 50.9% of all financial transactions in Brazil in the first half of 2025, with almost 37 billion registered operations, reinforcing its position as the dominant payment method in the country.
In this scenario, the demand for solutions that organize, validate, and automate critical stages of the financial flow is also growing, especially in small and medium-sized enterprises (SMEs), which deal with a large volume of data, contracts, invoices, and compensation calculations. Founded to meet this need, SplitC, a software specialized in automating the calculation of variable compensation (VC), closely monitors this trend through the behavior of its clients, who seek more control, traceability, and efficiency over values that directly impact cash flow.
According to Gabriel Segers, co-founder and CEO of SplitC, “the digitalization of payment methods is no longer a trend, it is a reality that is already transforming the way companies manage their receivables and financial commitments. Pix has driven this change by making transactions instant and low-cost, but the real efficiency gain happens when companies better organize the information that precedes payment, such as calculations, validations, and remuneration rules.”
Market data reinforces this trend. A recent report indicated that Pix processed approximately 64 billion transactions in 2024, a growth of more than 50% compared to the previous year, surpassing the combined transactional volume of credit and debit cards. Even so, bank slips continue to move billions of reais, estimated at around R$ 2.47 trillion in B2B transactions, showing that they still play a relevant role in various segments.
According to Segers, this coexistence points to an evolution of the financial model, and not simply the replacement of one method by another. “What we are observing is the transition from a fragmented and manual system to an ecosystem where data, business rules, and financial processes are orchestrated in an integrated way. This brings benefits such as greater cash flow predictability, reduced errors, and efficiency gains for SMEs,” he explains.
In addition to the increased use of Pix, another indicator of this transformation is the growing adoption of specialized solutions that automate the calculation of commissions and bonuses, offer real-time visibility of amounts to employees and partners, allow for digital signing of documents, sending, collection and self-validation of invoices, and structure this information so that payment occurs in a more secure and organized manner.
Segers points out: “When a company automates the calculation of variable compensation and centralizes rules, contracts, and validations, it drastically reduces rework, manual spreadsheets, and discrepancies. This directly impacts the financial health of the business, regardless of the payment method used.”
According to the CEO, the debate about the future of bank slips and the consolidation of Pix goes beyond technology. “It’s linked to the maturity of companies’ financial management. As automation and governance solutions gain ground, SMEs begin to operate with more transparency, predictability, and competitiveness in an increasingly digital environment,” he concludes.
