The Central Bank of Brazil has released Retail Payment Statistics for the second half of 2025 on its Brazilian Open Data Portal, combining reporting from market participants with data from Banco Central-operated infrastructures. Payment activity rose to 78.4 billion transactions worth BRL 68.2 trillion, an increase of 12.9% in transaction count and 14.1% in value compared with H2 2024, with cash statistics limited to withdrawal data. Pix drove most of the growth in transaction volumes, rising 24.3% year on year and accounting for 54.7% of all transactions (42.9 billion). Card payments represented 30.4% of transactions (23.8 billion), with credit (+9.4%) and prepaid (+2.2%) expanding while debit was broadly flat (-0.2%). By value, TED interbank transfers remained the largest instrument at 34.7% of total transacted value, followed by Pix at 28.6%; average values were BRL 58.3 thousand for TED (+5.9%) and BRL 456 for Pix (+7%). In cards, credit recorded the strongest value growth (+13.0%) and continued to dominate card value (70.6%), alongside 253.8 million active credit cards at end-H2 2025; debit and prepaid stood at 159.7 million and 63.6 million. The central bank also reported stable debit and prepaid interchange fees near the regulatory caps of 0.50% and 0.70%, a 1.71% average credit interchange fee, and a gradual decline in merchant discount rates across 2023–2025 for credit, debit and prepaid. Separately, Q4 2025 metrics highlighted increased use of contactless capture and internet-based card payments, a gradual rise in recurring credit card transactions, and a stable instalment profile for credit card purchases. Traditional cash withdrawals continued to fall (down 13.8% in volume), while Pix Saque reached 8.5 million transactions in H2 2025 (+20.9%). The statistics are provided in open data format, with the previous Excel-based publication discontinued from 01/07/2025.
Central Bank of Brazil 2026-04-07
Central Bank of Brazil publishes retail payment statistics showing BRL 68.2 trillion across 78.4 billion transactions in H2 2025
The Central Bank of Brazil has published H2 2025 retail payment statistics, reporting 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 and 28.6% of value, TED transfers remained the largest by value at 34.7%, card usage and active credit cards continued to grow, and interchange fees stayed close to regulatory caps amid declining merchant discount rates. The data, which also show rising contactless and internet card payments and falling cash withdrawals, are now available solely in open data format.