Main payment methods in Brazil in 2025

Brazil is the largest e-commerce market in Latin America, with a variety of payment methods that companies should be aware of to maximize their success in the country.

Below, we provide a detailed guide to the main payment systems in Brazil, with their features and how you can integrate them into your digital business to improve conversion and customer experience.

What are the 9 payment methods used in Brazil?

1. PIX

PIX is one of the most revolutionary payment options in Brazil, introduced by the Central Bank in 2020. It enables instant payments 24/7 and in real time, which has driven its massive adoption by both consumers and businesses. It is fast and easy to use, making it a preferred option for transactions of all types.

For companies, integrating PIX is not only a competitive advantage, but practically mandatory if they want to offer a widely used payment method.

2. Cash payments

Although digital payments have grown rapidly, cash remains an important part of daily life for millions of Brazilians, especially in physical stores in rural areas or with limited infrastructure. For businesses that want to reach all consumer segments, accepting cash remains an indispensable option.

The boleto bancário is a traditional cash payment method that continues to be used by a significant portion of Brazilian consumers, especially those who do not have access to credit cards.

This means of payment allows users to make purchases online and pay in cash or by bank transfer at physical points. Although its use has declined with the emergence of PIX, it is still relevant for certain transactions in Brazil.

Credit cards

Credit cards continue to be the dominant form of payment in Brazil, accounting for a large share of online transactions, because of their buy now, pay later ease. Brazilian consumers value payment in installments, which allow them to finance their purchases over several months at no additional cost.

Among the most popular credit cards are Visa, Mastercard, American Express, Elo and Hipercard. An important aspect to consider is that consumers often use more than one card to make a purchase, splitting the payment among several to optimize their credit limits.

4. Debit cards

Debit cards are used primarily for immediate purchases and account for a significant portion of lower value transactions.

Although they do not offer the financing option of credit cards, they are still a safe and popular option for consumers who prefer not to accumulate debt.

5. Digital wallets

The use of digital wallets or e-wallets has grown considerably in Brazil. These payment platforms allow users to store money and make payments online without the need to constantly enter payment information. Among the most widely used are:

• Mercado Pago
• PicPay
• Nubank
• PagBank

Digital wallets offer a secure and convenient payment process, which explains their growing popularity.

6. QR code payments

QR Code payments have gained momentum thanks to the BR Code, which unifies this technology in Brazil. Its ease of use in the checkout process and the possibility of integrating with PIX have boosted its adoption, making the QR Code a strategic ally for ecommerce companies seeking to offer a fast and contactless payment experience.

7. Payments with cryptocurrencies

The use of cryptocurrencies as a form of payment is gaining relevance in Brazil. More and more commercial establishments are accepting virtual currencies as a form of payment and Brazilian consumers are expressing interest in using these digital assets in their daily purchases, with USDT (Tether) and USDC (USD Coin) being the most widely used stablecoins.

8. Contactless payments (NFC)

Contactless payments, or contactless payments, through NFC (Near Field Communication) technology, are gaining popularity in Brazil. This technology allows users to make payments securely and quickly by bringing their cards or mobile devices close to the payment terminals.

9. Payment Links

Payment links allow to automate the collection of payment from customers through social networks, without requiring technical integration, which makes most businesses implement them as a means of payment. 

If your company wants to operate in Brazil, accepting payments in Brazilian Reais (BRL) is key. Showing prices in your local currency improves the user's shopping experience and increases conversion by avoiding doubts about the exchange rate.

How can Rebill help you integrate the best payment methods in Brazil?

Our payment services support credit cards, debit cards, PIX, digital wallets and boletos bancários, allowing your business to offer different payment methods and, above all, the most popular among Brazilian consumers. 

Other advantages of using Rebill in Brazil

• Integration in less than an hour with the most chosen local payment methods. This, without the need for a local entity and with API options, SDK or Low-code alternatives to embed a 100% customizable checkout with all online and alternative payment methods.
• Compliance with local regulations and maximum security in all transactions.
• Robust infrastructure to process recurring payments, with support for upgrades, downgrades and cancellations in real time. In addition, it allows you to set the collection frequency that best aligns with your business model and, most importantly, includes intelligent retries that can recover up to 71% of rejected payments.

Brazil is a great opportunity, but also a challenge. That's why you should have a payment service provider that knows the market and can help you integrate your business into the local payment ecosystem smoothly. 

Rebill offers you more than a payment gateway, it offers you a complete infrastructure to optimize your collections as a local in Brazil. Contact us and accelerate your market entry.