The Central Bank continues to expand Pix's functionalities, consolidating the system as the main payment tool in Brazil. For 2025, three major innovations promise to make financial transactions even easier: Pix Automático, Pix por Aproximação and payment of boletos ("BolePix"). These new features increase convenience and security for consumers and companies.
Pix similar to automatic debit - Mandatory for all institutions as of June 16, 2025, Pix Automático will allow the recurring collection of variable amounts, bringing more predictability and security to companies that make periodic payments, such as gyms, condominiums, consumer bills and streaming services.
"Pix Automático represents a significant step forward for companies and consumers. For businesses, it reduces defaults and operating costs. For users, it offers convenience and avoids delays in payments for essential services," explains Thiago Amaral, partner at Barcellos Tucunduva Advogados in the areas of Means of Payment and Fintechs, doctor and master in Commercial Law from PUC/SP and professor at FGV/SP and Insper.
Pix by Proximity - Already in the testing phase, Pix by Proximity will be available to the public from February 28, 2025, allowing instant transactions via NFC technology. Without the need to open banking apps or enter passwords, payment can be made simply by bringing the smartphone closer to a compatible device, similar to what already happens with contactless cards.
"The arrival of Pix by Approximation will bring more agility and security to everyday payments. In addition, it will facilitate the e-commerce experience, reducing cart abandonment and making online shopping more fluid," says Amaral.
BolePix, the evolution of the boleto - Another important innovation is BolePix, which will integrate specific QR Codes into traditional boletos, allowing customers to choose between payment via Pix or boleto bancário. This functionality, which is already available, guarantees more flexibility for consumers and efficiency for companies.
"BolePix speeds up payment confirmation and reduces operating costs by combining the immediate liquidity of Pix with the convenience of boleto bancário. This is an essential modernization for the financial sector," says Amaral.
For the expert, with these innovations, "Pix reaffirms its position as one of the most innovative payment systems in the world, guaranteeing more convenience, security and efficiency for users and companies," concludes Amaral.
Source: Migalhas
