Account-to-account (A2A) payments are rapidly transforming the global e-commerce landscape. Driven by the expansion of instant payment infrastructures, growing consumer trust, and merchant demand for lower costs and faster settlement, these systems are gaining scale across a wide range of markets. In several countries, such as Brazil, India, and Colombia, these systems are becoming the top payment method for online purchases.

The charts in this section explore how this shift is taking shape across markets and sectors, highlighting differences in adoption, transaction patterns, and industry use cases. Together, they illustrate how A2A is gradually integrating into the broader e-commerce payment mix.

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Explore the leading A2A payment systems in emerging economies. See how they stack up on market penetration, user adoption, and total transaction value.

Brazil’s Pix is one of the most successful instant payment systems in the world. Since its launch in 2020, it has reached near-universal adoption and now processes billions of transactions every month.

Widely used for transfers, retail purchases, bill payments and e-commerce, Pix has become a core part of Brazil’s payment ecosystem.

Explore the charts below to see the scale and impact of Pix in Brazil.

Follow the year-over-year surge of A2A payments as they become the new standard for e-commerce in emerging economies.

When consumers pay with A2A, their purchasing behavior often differs from other payment methods. In Brazil, Pix users tend to transact more frequently, reflecting how instant payments are increasingly embedded in everyday commerce. At the same time, traditional methods such as cards and Boleto are associated with higher average ticket sizes.

See in the charts below how purchasing frequency, loyalty and ticket size compare across payment methods.