Although not a revolutionary means of payment, the PIX in installments, through the Central Bank in recent days, should further solidify the presence of Pix in online purchases, especially because it includes the population that does not have access to credit card in online purchases installments, increasing demand in the logistics market.
Pix is already the most used means of payment on online shopping. According to research ICT Home, from the Regional Center for Studies for the Development of the Information Society (Cetic.br), released in October 2024, PIX representation jumped from 66% to 84% between 2022 and 2024 among users who bought products on the previous 12 months, while the credit card, which was the favorite modality of virtual buyers, retreated from 73% to 67%.
And, in the view of Mauricio Salvador, deliberative counselor of the Brazilian Association of Electronic Commerce (ABCOMM), the arrival of another standard functionality of Pix will further expand the use of the sport. “Offering will attract a slice of the population that today can not install the card, because it has the limit of the card committed,” he explains.
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According to Central Bank data 60 million Brazilians do not have access to a credit card.
Salvador estimates that, once popularized, the installment Pix can increase the number of people paying by Pix in e-commerce around 10% to 25%, causing a significant increase in online sales.
This is the effect that promises to increase the demand for logistics warehouses, used by online retailers and carriers to house and flow to e-commerce and marketplaces shopping, according to Renato Monteiro, CEO of Sort Investimentos.
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Monteiro estimates that, after the maturation of the impact of PIX in installments on the logistics real estate market, the appreciation of the square meter could reach 20%, according to internal estimates.
Still, Monteiro considers that the impact on the real estate market is slower, with a maturation time from six months to one year, due to bureaucratic processes and planning. “While companies structure their operations, the real estate market prepares to meet this growing demand”
Caution
Alex Hoffmann, CEO of PagBrasil, explained to Infomoney That the standardization of the installment Pix will promote more transparency and uniformity, facilitating the comparison between offers and the consumer’s understanding, which should further expand the use of Pix, but that this should not represent a revolution in the means of payment, since the modality already exists.
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Postponement
On September 26, the Central Bank announced the postponement of disclosure in the rules for the standardization of the installment Pix offer. The municipality reported that its priority has become the closure of regulatory breaches exploited by organized crime, post successive cyber attacks and the discovery of bonds between financial institutions and the first command of the capital (CCP).
There is no new release forecast for the rules of the installment Pix, but expectations are still positive. “It should bring an increase, yes. And we will wait for the implementation and adhesion by stores to have a more assertive estimate,” concludes Salvador.
