The Central Bank of Brazil made its Retail Payments Statistics for the second half of 2025 available on its Open Data Portal, reporting continued growth in both the number and value of payment transactions. Total activity reached 78.4 billion transactions and BRL 68.2 trillion, up 12.9% in transaction count and 14.1% in value compared with the second half of 2024, with cash statistics covering withdrawals only. Pix drove most of the increase in transaction volumes, rising 24.3% year on year to 42.9 billion transactions and accounting for 54.7% of all payments by count; payment cards totalled 23.8 billion transactions (30.4% share), with credit up 9.4%, prepaid up 2.2% and debit broadly flat (-0.2%). By value, TED interbank transfers remained the largest instrument (34.7% of total value) ahead of Pix (28.6%); average transaction values were BRL 58.3 thousand for TED and BRL 456 for Pix, while average card transactions were BRL 138 (credit), BRL 58 (debit) and BRL 41 (prepaid). Boleto volumes rose 3.7% to 7.6% of total value, while cheques fell 18.7% to 0.5% of total value (63.3 million cheques; average BRL 4.9 thousand); traditional cash withdrawals declined 13.8% to 1.1 billion transactions, while Pix Saque reached 8.5 million transactions (+20.9%). Interchange fees for debit and prepaid were broadly stable near the regulatory caps of 0.50% and 0.70%, credit interchange averaged 1.71%, and average merchant discount rates continued to decline across credit (2.10%), debit (1.08%) and prepaid (1.47%); the release also notes contactless and online capture shares in the fourth quarter of 2025 and a gradual increase in recurring credit-card payments. Data publication is provided in open format on the portal, and the previous Excel-based distribution was discontinued on 01/07/2025.
Central Bank of Brazil 2026-04-07
Central Bank of Brazil publishes second-half 2025 retail payments statistics showing 78.4 billion transactions worth BRL 68.2 trillion
The Central Bank of Brazil published retail payments statistics for the second half of 2025, showing 78.4 billion transactions worth BRL 68.2 trillion, up 12.9% in volume and 14.1% in value year on year. Pix accounted for 54.7% of transactions by count and 28.6% by value, while TED transfers remained the largest by value at 34.7%, and card usage grew amid declining merchant discount rates and stable regulated interchange fees. The data are now provided exclusively in open format on the Central Bank’s Open Data Portal, replacing the previous Excel distribution.