Split Pix Is The New Feature From The Central Bank To Provide Credit To Those Who Have Never Had A Card

Written by Bruno Teles

Published on 29/07/2025 at 00:49

Pix Parcelado chega em setembro e vai permitir compras sem cartão de crédito

41 people reacted to this.

New Feature from the Central Bank Will Allow Installment Purchases with Pix Starting in September, Even for Those Without a Credit Card

The Installment Pix is the next big innovation in Brazil’s instant payment system. The feature, announced by the Central Bank in April, will allow users to split purchases directly via Pix — no credit card required.

According to the Central Bank itself, the Installment Pix is expected to be launched in September of this year. The aim is to make Pix more competitive in retail and broaden access to digital credit for millions of Brazilians who do not have a bank card.

How the Installment Pix Will Work in Practice

Operation will be straightforward: at the time of payment, the customer can choose to split the amount, just like with a credit card. The seller will receive the full amount immediately, while the consumer will pay the installments directly to the bank where they hold an account, with interest charged by the institution.

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Why Is the Installment Pix Important?

The Central Bank estimates that around 60 million Brazilians do not have access to credit cards, which limits the consumption of higher value goods or installment payments. The Installment Pix democratizes access to credit, using a tool that is already established and free.

While some banks already offer similar solutions, such as Pix with revolving credit, these options depend on the customer’s card. With the new standardized functionality, all participating institutions will follow common rules, ensuring transparency and a more balanced competition.

And the Pix in Guarantee? Will It Work Together?

Another feature announced by the Central Bank is the Pix in Guarantee, which will allow companies to offer receivables via Pix as collateral in credit operations. However, this tool is not expected to be available until 2026.

The goal of the Pix in Guarantee is to facilitate access to business credit, especially for small businesses, using their own receivables as collateral for financing.

What Changes with the Installment Pix?

More access to credit without the need for a card
Installment payments with immediate confirmation for the seller
Option integrated into the Pix environment of the bank or fintech itself
Standardization of rules and increased competition among financial institutions

The expectation is that the Installment Pix will reduce the use of traditional credit cards and become a relevant alternative for consumers and retailers nationwide.

Would you use the Installment Pix for larger purchases in your daily life? Comment below.

16 Comments

most recent

older Most voted

Gerlando nascimento

#153823

01/08/2025 21:34

Gostei da ideia

Respond

Carlos

#153452

31/07/2025 20:56

Essas pessoas que falam que nao vai dar certo são ignorantes dependendo da quantidade de parcelas mesmo no cartão tem juros sim,então eu faria com certeza

Respond

Marcelo

#153403

31/07/2025 18:19

Não vai valer a pena, já que, no cartão de crédito, muitas lojas parcelam as compras sem juros.

-1

Respond

Split Pix Is The New Feature From The Central Bank To Provide Credit To Those Who Have Never Had A Card

New Feature from the Central Bank Will Allow Installment Purchases with Pix Starting in September, Even for Those Without a Credit Card

How the Installment Pix Will Work in Practice

Why Is the Installment Pix Important?

And the Pix in Guarantee? Will It Work Together?

What Changes with the Installment Pix?

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Split Pix Is The New Feature From The Central Bank To Provide Credit To Those Who Have Never Had A Card

New Feature from the Central Bank Will Allow Installment Purchases with Pix Starting in September, Even for Those Without a Credit Card

How the Installment Pix Will Work in Practice

Why Is the Installment Pix Important?

And the Pix in Guarantee? Will It Work Together?

What Changes with the Installment Pix?

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.

SpaceX will dock a $843 million vehicle to the International Space Station to push a nearly 420-ton laboratory against the atmosphere and make the debris fall in a controlled manner into the ocean.

China opens the world’s first school where more than 100 humanoid robots from different brands will study together, each movement will be repeated up to 600 times a day and the data will feed a collective brain that will teach all the robots of the future.

While the world rushes to mine lithium from Congo and Chile, Brazil sits on one of the largest reserves and has barely begun to explore.

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A family lived in a house filled with 80 tons of garbage in South Korea, until authorities entered the property, sent the residents for psychological treatment, and began a three-day cleanup.

A giant golden ball in the middle of gardens in India was assembled with 1,415 discs, took decades to be completed, and transforms sunlight into controlled central lighting.

Three teenagers surprise the world by creating a powder with tamarind seeds that removes microplastics from water, requires no electricity, and wins an international prize of $12,500 at The Earth Prize 2026.