Value moved
R$33.78T
Brazil Payments Map 2026
R$33.78T in Q2 2026.
Every payment method in Brazil read for corporate finance: Pix, TED, boleto, cards, channels and card terminals, quarter by quarter since 2015. Made by Trio, which connects directly to the Central Bank of Brazil (IP 619) and processed R$100B in the last 12 months.
- TEDR$12.13T35.9%
- PixR$10.50T31.1%
- Same-bank transferR$5.51T16.3%
- BoletoR$2.42T7.2%
- Bill and tax collectionsR$1.20T3.6%
The quarter's indicators
Transactions
40.27B
Pix share of transactions
56.9%
Card spending
R$1.13T
Corporate cards
R$76.6B
Card terminals
55.6M
Payment methods
Value moved by each instrument in the quarter, with its share of value and of transactions and the change over a year.
TED still moved the most value (R$12.13T) with 0.5% of transactions. Pix made 56.9% of them.
Pix, TED and boleto
Value per quarter, over the three years up to the chosen quarter.
Over a year, Pix value grew +25.6%; TED, +7.1%.
- PixR$10.50T
- TEDR$12.13T
- BoletoR$2.42T
Cards
Active cards out of those issued and spending in the quarter, by function.
Corporate and business cards moved R$76.6B in Q2 2026, 6.8% of card spending, +17.7% over a year.
- Corporate cards
- R$76.6B
- of card spending
- 6.8%+17.7%
Channels
Banking transactions by access channel, by count and by value.
Mobile made 90.3% of banking transactions, but by value internet banking leads: 40.9%.
| Channels | Transactions | Value |
|---|---|---|
| Mobile | 90.3% | 22.5% |
| Internet banking | 6.1% | 40.9% |
| Branches | 1.4% | 33.4% |
| ATMs | 1.2% | 1.2% |
| Banking agents | 0.7% | 1.1% |
| Contact centers | 0.0% | 0.5% |
| Cooperative branches | 0.3% | 0.5% |
What taking cards costs
Average merchant discount rate (MDR) and the interchange, the part that goes to the issuer, weighted by value.
Taking a credit card cost merchants 2.09% on average; 1.72% was interchange, the card issuer's share.
Credit
Debit
Prepaid
How cards are used
How the card was used and installments on credit cards, by value.
How the card was used (all functions)
41.9% of card value was paid contactless; 21.3% online.
- Contactless41.9%R$469.90B
- Chip31.5%R$352.48B
- Online21.3%R$239.16B
- Recurring5.2%R$58.15B
- Stripe and manual0.1%R$1.05B
Installments on credit cards
47.8% of credit-card value was paid in installments; 16.5% in 7 or more.
- Single payment52.2%R$410.44B
- 2 or 3 installments17.1%R$134.63B
- 4 to 6 installments14.2%R$111.41B
- 7 or more16.5%R$129.38B
Card terminals and ATMs
POS terminals and ATMs at the end of the quarter, by state.
São Paulo held 24.3% of the country's card terminals in Q2 2026.
- Card terminals (POS)
- 55.6M +31.1%
- ATMs
- 112.5K −8.7%
RO552.7KAC211.7KAM949.6KRR167.1KPA1.7MAP202.7KTO376.0KMA1.2MPI572.1KCE2.4MRN1.0MPB986.7KPE2.2MAL887.4KSE514.4KBA3.6MMG5.4MES1.2MRJ5.2MSP13.5MPR2.8MSC2.2MRS2.3MMS859.1KMT1.1MGO2.4MDF1.1M
States with the most terminals
Banking technology, what banks invest and how companies and people use it.
Febraban Banking Technology Survey 2026, with 2025 data.
Technology spending
Banks' technology budget, with spending on AI and cloud.
R$46.8BTechnology budget in 2025 · +12% · R$50.4B planned for 2026
- Artificial intelligence
- R$826M +39%
- Cloud migration
- R$3.9B +30%
- Growth since 2021
- +58%
Companies
How companies use digital channels and Pix.
- Company transactions on mobile
- 63%
- Companies with more than 50 Pix a month
- 3.7M +54%
- Companies active on internet banking
- 10.5M +13%
- App sessions per company, per month
- 57
Digital channels
Transactions at the surveyed banks, by channel.
240.8BTransactions in 2025 · +11%
- On mobile
- 78%
- On digital channels
- 83%
Open Finance
Consents and customers at the surveyed banks.
- Active consents
- 102.8M +122%
- Customers with consent
- 44.9M +90%
Security
Priorities and use of AI against fraud and attacks.
- Banks ranking cybersecurity a priority
- 100%
- Banks using AI against threats
- 77%
- Banks focused on fraud prevention
- 90%
Get the Pix Map
every month, in your inbox.
Our monthly report on Pix and every other payment method, with Trio's reading. Start with your work e-mail; next, you fill in your details and download this month's edition.
Source and methodology.
The dashboard's numbers come from the Central Bank of Brazil's open data, in the payment statistics dataset. The banking technology block comes from the Febraban Banking Technology Survey 2026, made with Deloitte.
- Quarterly: the Central Bank publishes each quarter about two months after it ends. The page always shows the latest published, and the picker goes back to 2015.
- Values: in current reais, not adjusted for inflation. The total adds up every instrument, without cash withdrawals. DOC and TEC, closed in February 2024, count in the total but not in the list.
- Pix: this dataset counts Pix differently from the Pix dataset behind the Pix Map, so the totals do not match between the two pages.
- Card cost: the Central Bank publishes the merchant discount rate (MDR) and interchange by brand, capture type and installments. The average by function is Trio's, weighted by each row's value.
- Corporate cards: the Empresarial and Corporativo products added up, in every function.
- Card terminals: the POS series jumps between 2018 and 2019 (from 4.2M to 10.3M), which looks like a change in collection. Compare nearby quarters.
- Febraban: a sample of banks (11 to 25 per chart, about 82% to 85% of the sector's assets), with 2025 data. Its numbers do not add up with the Central Bank's.
You may use the charts and numbers with the source: Trio, with Central Bank of Brazil data (and, in the technology block, Febraban/Deloitte).
Questions
about the data.
Which payment method moves the most money in Brazil?
By value, TED still leads, because it carries large transfers between companies and institutions. By number of transactions, Pix leads by far. The payment methods panel shows both sides for the chosen quarter.
Why is Pix on this page different from the Pix Map?
They are two Central Bank datasets with different counts. This one uses the payment statistics, which compare every instrument. The Pix Map uses the Pix open data, which carries recipient, sector and state.
What does taking cards cost a company?
The merchant pays the discount rate (MDR), which includes the issuer's interchange and the acquirer's and network's part. The cost panel shows the quarter's average by function (credit, debit and prepaid), weighted by value. Each company's rate depends on its contract with the acquirer.
What counts as a corporate card?
The products the Central Bank classifies as Empresarial and Corporativo added up, in credit, debit and prepaid. They are the cards issued to companies for expenses and purchases.
How often is the data updated?
Every quarter, about two months after it ends, when the Central Bank publishes it. The banking technology block changes once a year, with Febraban's new survey.
Can I use these numbers?
Yes. Cite the source as Trio, with Central Bank of Brazil data, and, in the banking technology block, Febraban/Deloitte. The full quarterly series is in the CSV file.