September 9, 2025
Pix installment launches in September and can transform commerce. The new modality will allow purchases to be divided without a credit card; experts warn to pay attention to interest rates and IOF.
What is Pix Parcelado and how does it work?
The Installment Pix is a payment method that allows dividing the amount of a purchase or transfer into several installments. Just like the traditional Pix, the money is transferred quickly and securely, but the payment will be divided into monthly installments. Whoever pays can split the payment. However, whoever receives gets the full amount at the time of payment. In other words, it is only divided for the one making the Pix.
If the traditional Pix emerged as an alternative to TED, the old DOC, and even cash payments, the Installment Pix comes with similarities to a credit card, since it allows the user to make a transaction and pay the total amount in several monthly installments.
The main difference is that, instead of using a credit card, the installment is made directly on the Pix platform, offering a new alternative for those who wish to make fractional payments, but without relying on the credit limit of the card.
How does the Pix Installment work?
Just like in traditional Pix, the process is simple and fast: you select the Pix Parcelado option when making a payment, choose the number of installments, and complete the operation.
In this modality, the Pix made does not leave your account instantly, but the amount enters the credit card bill or your checking account, depending on the financial institution, like a conventional purchase, and will be charged in monthly installments starting from the next due date.
However, for the recipient, there are no differences: the transfer arrives immediately, for the full amount. The person receiving also has no information about how the payment was made, whether it was in installments or via traditional Pix.
Shall we think of an example? Let’s suppose you went to a store to buy clothes, and at the time of payment, you chose to pay via Pix. You will need to provide the amount, the recipient's Pix key, and indicate whether you want to pay with account balance or with Pix Parcelado.
When opting to parcel, the monthly installment will be automatically debited from your checking account for the number of times you chose, with a small addition of interest. However, the store will receive the amount in full instantly.
What are the differences between Pix Parcelado and traditional Pix?
The main difference between Pix Parcelado and traditional Pix is precisely the possibility of installment payments. While traditional Pix is an instant transaction, in which the amount is transferred instantly between accounts, Pix Parcelado offers the option to pay in several installments.
In traditional Pix, the money is transferred within seconds, debited entirely from your account, regardless of the time or day of the week, without the charging of interest or fees (except in specific cases from some institutions).
Another important difference is that traditional Pix is used for transfers between accounts, purchases, and immediate payments. Pix Parcelado, in turn, is recommended for larger transactions, where the consumer prefers to divide the amount over several months, similar to installment payments on a credit card.
