Other methods besides PIX have five payment trends for 2025

The use of Pix as a means of payment is already a national habit among Brazilians. Used by 76.4% of the population, according to a survey of the Central Bank, Pix is accepted in Brazilian businesses in a digital environment. Among all payment options available in Brazil, the service provided by the Central Bank is the most sought after by Brazilians.

Lately a series of rumors related to the provision theme and about the collection of fees to Pix have emerged. This misinformation had a great impact on the use of the system. Many Brazilians, both entrepreneurs and self-employed, began to be afraid to use. Although this has generated a certain fear in Brazil, this does not translate to the means of payment used by each citizen in 2025, which they still intend to use.

However, according to Central Bank (BC) data, the percentage of transactions per credit card approximation increased from 23.1% in 2022 to 31.1% in 2023.

Better known as contactless payments or payments through NFC (Near Field Communication), this trend is driven by digitization, the increase in the use of smartphones and smartwatches, and the convenience of not having to enter passwords or the card having to be removed from the wallet.

Regarding what is to come, Drex, in view of being the CBDC (Central Bank Digital Currency), promises greater agility, security and financial inclusion in large transactions. Drex is a digital version of Real, that is, a Drex is equivalent to R$1, provided that, on the contrary, it only exists amid digital wallets, made only accessed through digital wallets in financial institutions.

Drex is currently in the pre-test phase with a forecast for launch in 2025. Purposes to achieve the construction of coins and compressed, so that they are used in exchange for goods, or in more complex procedures such as the purchase of real estate, cars, among others, through the use of self-executing contracts. Unlike PIX, which is an instant payment system, in which Drex is the digital currency.

Digital assets go beyond their speculative use, and cryptocurrencies are becoming practical alternatives in means of payment. According to the Statista platform, only in 2023, transactions with these assets have reached the mark of 1.62 billion dollars, and the expectation is that there will be a growth of 200% by 2030. Fast food networks, such as Burger King and KFC, already accept cryptocurrencies as a form of payment in countries such as Canada and Venezuela.

Backed by stable assets such as the dollar or the real, stablecoins differ from other cryptocurrencies in that they are backed by a certain amount and become a new payment alternative.Monthly, more and more Visa and Mastercard departments are incorporating these assets into their payment networks, allowing for greater agility and reduction in the cost of international transactions.

The “Buy Now, Pay After” (BNPL) model stands out by enabling consumers who do not have access to credit cards or loans to use services and products with interest-free installments. Mobiup already has a solution called Trade and Go that offers this type of payment. This modality, which is already widely offered by fintechs, is now being adopted by large financial institutions and retailers. By 2025, it is likely that there will be new advances with BNPL, where it will be better integrated into purchasing applications and banking platforms, improving the user experience.

The year 2025 will bring dramatic changes in payment methods, and this is very positive for users who have more options to manage their assets, as it allows for greater flexibility and security.