Installment Pix Launches in 2025 and Promises to Compete With Credit Card

Written by Carla Teles

Published on 06/04/2025 at 13:58

O Pix é um jeito rápido e fácil de pagar ou transferir dinheiro usando o celular. Agora, ele também vai permitir que as pessoas parcelem suas compras direto no app.

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Central Bank Confirms New Function in the Instant Payments System: Consumers Will Be Able to Split Purchases Directly Via Pix

The Central Bank of Brazil announced that the Instantly Divided Pix will be available starting in September 2025. The new feature will allow users to split purchases with interest within the system itself, while sellers will receive the full amount immediately. This measure aims to expand the use of Pix for higher-value purchases and provide an alternative to credit cards, especially benefiting consumers without access to conventional lines of credit.

The feature of the Instantly Divided Pix will allow users to make installment payments through credit granted at the time of the transaction. The buyer will choose to split the payment into several monthly installments, with the addition of interest. The recipient, such as merchants and service providers, will have the total amount credited immediately. According to sources from the Central Bank, this new phase of the system is expected to stimulate consumption and strengthen financial inclusion.

Instantiated Divided Pix Targets Consumers Without Credit Cards

The Central Bank is responsible for managing money and banks in Brazil. It creates rules to ensure everything functions properly and the economy remains stable.

According to data released by the monetary authority, about 52 million Brazilians do not have access to credit cards. With the Instantly Divided Pix, these individuals will have a formal alternative to split their purchases, especially in establishments that already adopt the instant system as a payment method. This measure may also help small entrepreneurs increase sales without relying on card machines or high fees from operators.

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The Feature May Increase Competition in the Financial Sector

Experts in the banking sector believe that the Instantly Divided Pix has the potential to change the credit dynamics in Brazil. The possibility of offering installment payments with immediate settlement to the recipient may pressure card brands to reconsider fees and terms for merchants and consumers. The arrival of the feature in 2025 represents a move by the Central Bank to democratize credit and make the financial system more competitive.

In addition to the installment feature, the Central Bank also announced other functionalities that will be incorporated into Pix in the coming months. Among them is the Pix as Guarantee, expected for 2026, which will allow companies to use future receivables as a guarantee for credit, which may reduce interest rates for legal entities, especially small and medium enterprises.

Refunds Will Be Facilitated with a New Resource

Another important novelty will be the self-service in the Special Refund Mechanism (MED), set to launch on October 1, 2025. The new function will allow users to dispute suspicious or fraudulent transactions directly through banking apps, without relying on human assistance, which is expected to make the process faster and safer.

Since its launch in 2020, Pix has established itself as one of the main payment methods in Brazil, even surpassing transfers via TED and DOC. According to the Central Bank, more than 160 million people are already using the system, and with the installment feature, Pix could directly compete with the space dominated by card operators.

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Installment Pix Launches in 2025 and Promises to Compete With Credit Card

Central Bank Confirms New Function in the Instant Payments System: Consumers Will Be Able to Split Purchases Directly Via Pix

Instantiated Divided Pix Targets Consumers Without Credit Cards

The Feature May Increase Competition in the Financial Sector

Refunds Will Be Facilitated with a New Resource

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Installment Pix Launches in 2025 and Promises to Compete With Credit Card

Central Bank Confirms New Function in the Instant Payments System: Consumers Will Be Able to Split Purchases Directly Via Pix

Instantiated Divided Pix Targets Consumers Without Credit Cards

The Feature May Increase Competition in the Financial Sector

Refunds Will Be Facilitated with a New Resource

A giant printer called the “Ferrari” of concrete has landed in Latin America and can already build a 120-square-meter house in just 48 hours, making the traditional construction site look like something from the last century.

Brazil will harvest a record crop of up to 357 million tons of grains, but it does not have the capacity to store a large part of it. The storage deficit has reached the highest level in history and is equivalent to almost the entire production of Argentina.

Four times faster than the Concorde, capable of taking passengers from New York to London in less than an hour at Mach 5.5, and with an engine that switches from turbojet to ramjet mid-flight at Mach 3.5, the Hermeus Quarterhorse went from paper to its first flight in just 19 months.

Under nearly 2 kilometers of ice in Antarctica, scientists have discovered an ancient landscape sculpted by rivers up to 60 million years ago, the size of Wales, preserved as a time capsule that could help predict the advance of ice towards the ocean.

She started by collecting oyster shells from restaurants and today she has already accumulated more than 10 tons to restore reefs, recover coastal habitats, and demonstrate how a common waste can become a tool for ocean conservation.

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