Biometric Pix Promises To Transform Digital Payments, Offering Faster Transactions And Enhanced Security

Written by Andriely Medeiros de Araújo

Published on 29/09/2025 at 13:21

Com Pix por biometria, pagamentos podem ser feitos usando reconhecimento facial ou digital, sem abrir o aplicativo do banco. Tecnologia aumenta segurança e agiliza transações. Imagem: Jornal Contabil

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With Pix by Biometry, Payments Can Be Made Using Facial or Fingerprint Recognition Without Opening the Bank App. Technology Increases Security and Streamlines Transactions.

The Pix by Biometry arrives to simplify financial transactions in Brazil, allowing payments without needing to open the bank app. The novelty uses facial recognition or fingerprint to validate the payment, reducing steps and offering more agility and convenience to the consumer.

According to Ana Carolina de Oliveira, head of open finance at ABFintechs, “Pix is the most used payment method, whether by fintechs or incumbents. Pix by biometry came through open finance as one of the new products to make it easier for the Brazilian population.”

Journey Without Redirection

Currently, making a Pix requires opening the banking app, which can create friction in usability and security.

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With biometry, the process becomes more automated and fluid, as the user only confirms the payment once.

As explained by Cézar Rios, business development director at Boku: “The journey without redirection is the evolution with a smoother experience because you give your consent and are redirected just once.”

Pix by Biometry: Higher Success Rate and Reliability

Although it is still a novelty, some clients are already using Pix by biometry with positive results.

Rafael Noguerol, product manager at Belvo, highlights: “Once you pass the consent stage, the success rate is even higher than that of Pix copy and paste or QR code.”

Experts warn that the biggest challenge lies in user consent, as many people still hesitate to share their data.

Ana Carolina de Oliveira emphasizes: “We need to focus on education and show the benefits.”

Decoupling Between Payment and Bank

According to Aaron Morais from Google Pay, Pix by biometry allows payments to be made without directly relying on the user’s financial institution.

“Once we have this decoupling, anyone with a license can aggregate the payment without redirecting to the bank, and this opens up pathways,” he explained.

Security and Regulation

To ensure security, the Central Bank sets compliance rules and approves APIs within the open finance structure.

The process follows protocols such as FIDO (Fast Identity Online), which ensure reliable authentication during transactions.

With this technology, the consumer can complete purchases on e-commerce sites without leaving the digital store environment.

Noguerol explains: “It eliminates the friction of the user having to ‘go’ to the bank, where they may give up on the purchase. And the user understands it’s safe because there is face ID, PIN, or biometry. From the merchant’s side, the payment happens faster.”

Pix by biometry represents a significant evolution in digital payments, combining security, speed, and convenience.

The technology is expected to become increasingly common, making life easier for consumers and merchants in Brazil.

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Biometric Pix Promises To Transform Digital Payments, Offering Faster Transactions And Enhanced Security

With Pix by Biometry, Payments Can Be Made Using Facial or Fingerprint Recognition Without Opening the Bank App. Technology Increases Security and Streamlines Transactions.

Journey Without Redirection

Major Oil, Gas, and Energy Event Will Take Place in Brazil: Macaé Energy Will Gather Petrobras, Equinor, Prio, Among Other Suppliers and Energy Executives for Business, Networking, and Employment Opportunities

Pix by Biometry: Higher Success Rate and Reliability

Decoupling Between Payment and Bank

Security and Regulation

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Biometric Pix Promises To Transform Digital Payments, Offering Faster Transactions And Enhanced Security

With Pix by Biometry, Payments Can Be Made Using Facial or Fingerprint Recognition Without Opening the Bank App. Technology Increases Security and Streamlines Transactions.

Journey Without Redirection

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