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From February 28, a new function of PIX will be made available, Central Bank Instant Payment System (BC). It is PIX for approach, a modality that allows consumers to make instant payments without the need for the financial institution’s application.
Pix by approach will be available from the 28th. Photo: Reproduction
Pix is already the most used means of payment by Brazilians. The service is adopted by 76.4%of the population, followed by the debit card (69.1%) and cash in kind (68.9%), according to the survey ‘The Brazilian and its relationship with the money’, published by Central Bank.
“The expectation is that this new resource further simplify transactions, boosting both physical and online commerce and increasing competitiveness between cards such as cards and money,” says Lina Open X business director, Murilo Rabusky .
How does pix work by approximation?
Like Payments via Near Field Communication (NFC) used in credit and debit cards, the approximation PIX allows users to make payments without having to type keys or scanning QR Codes. Just approach the mobile phone or another compatible device to a machine enabled so that the transaction is instantly processed.
To use this functionality, the device must be supported by NFC technology and the user enables payment by approach to the bank’s application and digital wallet.
“This technology expands the use of Pix by improving payment experience in various scenarios, such as public transportation, face -to -face purchases and payments at large events, where agility and ability to make the transaction are factors that count a lot. This breakthrough was only possible thanks to the expansion of Pix within Open Finance, allowing standard and safe connections among the more than 100 participating financial institutions, ”says Murilo.
What to expect from Pix in 2025?
The Central Bank has already indicated that PIX will continue receiving improvements by 2025. From February, the rules for payment of slips will be improved, allowing them to be directly paid via PIX. The user can access a specific QR code in the ticket to perform the operation instantly.
In addition, the automatic pix will be released soon, bringing an innovative solution to automate recurring charges and payments. This functionality will offer more convenience for consumers and financial predictability for companies. With automatic pix, regular payments can be programmed in the first transaction and will be processed automatically, eliminating the need for manual actions.
“Streaming and entertainment companies, such as Netflix, Spotify and Youtube, can adopt automatic Pix to ensure the collection of signatures without interruption, improving the user experience and reducing default. Academies and sports clubs will also benefit from this technology, ensuring that students make monthly payments without having to pay slips or perform the transaction manually, ”explains Murilo.
