Pix for Foreigners: Pay Like a Local in Brazil (2026 Guide)
Pix is everywhere in Brazil. WanderWallet lets you pay Pix like a local, without opening a Brazilian bank account. Your wallet balance is in USD. Scan any Pix QR, see exactly how much USD it costs, confirm, done.
What is Pix?
Pix is Brazil’s instant payment system, launched by the Central Bank of Brazil in November 2020. It allows free, instant transfers 24/7 between any bank accounts, and QR code payments at over 30 million merchants. Pix processed 42 billion transactions worth $17 trillion BRL in 2024, making it one of the world’s most successful instant payment systems.
For foreigners: Pix normally requires a Brazilian CPF (tax ID) and bank account. WanderWallet lets tourists use Pix without either, just scan QR codes and pay with your dollar balance.
How Big is Pix in Brazil?
According to the Central Bank of Brazil (BCB), Pix statistics as of 2024:
- 42 billion transactions processed annually
- 150 million+ users (70% of Brazil’s adult population)
- 30+ million merchants accept Pix payments
- $0 fees for individuals (free to send and receive)
What this means for travelers: Pix isn’t optional in Brazil — it’s essential. Many small vendors, beach sellers, and taxi drivers accept ONLY Pix, not cards or cash.
Pix vs Credit Cards in Brazil
| Factor | Pix | Foreign Credit Card |
|---|---|---|
| Acceptance | 95%+ of merchants | 60-70% of merchants |
| Exchange Rate | Market rate (via WanderWallet) | Bank rate + 3-5% fees |
| Decline Risk | None | Common (fraud blocks) |
| Beach Vendors | ✅ Yes | ❌ No |
| Small Shops | ✅ Yes | Often refused |
What You Need to Use Pix as a Foreigner
You need the WanderWallet app and a USD balance. No CPF, no Brazilian bank account, no local phone number required.
- WanderWallet on your phone
- USD balance (top up with USD or EUR)
How to Pay a Pix QR
Open WanderWallet, tap Scan, point at the Pix QR code, see the USD cost, confirm. Payment settles instantly in BRL.
- Open WanderWallet → Scan
- Point your camera at the merchant’s Pix QR
- Review the BRL amount and how much USD it costs
- Confirm; payment settles instantly in BRL
“My Amex got declined three times in my first week in Brazil. Switched to Pix via WanderWallet and never had a problem again. It’s the only way to pay here.”
— Sarah Chen, Canadian travel blogger
Why Choose Pix via WanderWallet
Pix is accepted everywhere in Brazil and avoids credit card declines. WanderWallet shows you the exact USD cost before you pay—no surprise fees.
- Fewer card declines; many merchants prefer Pix
- See exact USD cost before you confirm—no surprises
- No Brazilian bank account required
What You Can Do with Pix
Pay at restaurants, shops, taxis, and markets. Send money to beach vendors or tour guides. Pay online checkout. Basically everything Brazilians use Pix for.
QR Code Payments
Scan static or dynamic QR codes at restaurants, shops, taxis, markets. The most common way to pay.
Direct Transfers
Send Pix directly to beach vendors, tour guides, or anyone with a Pix key. Brazilians use this constantly.
Online Checkout
Pay on e-commerce sites and apps. Usually scan a QR or copy a Pix code to complete your purchase.
“Beach vendors in Copacabana literally laughed when I tried to pay with a card. ‘Só Pix!’ they said. Only Pix. That’s when I realized I needed WanderWallet.”
— James Wright, British tourist visiting Rio de Janeiro
Cash Withdrawals with Pix-Saque
Withdraw BRL cash at Banco24Horas ATMs, Casas Lotéricas, or participating retailers using Pix-Saque. You see the USD cost before confirming.
Need cash? You can also withdraw BRL using Pix-Saque at participating locations:
- Banco24Horas ATMs – Widespread ATM network across Brazil
- Casas Lotéricas (lottery shops) – Found in most neighborhoods
- Participating retailers – Some supermarkets and stores offer Pix-Saque
Look for “Pix Saque” signs at these locations. You’ll see the USD cost before confirming.
Related Guides
- Pix vs Credit Cards in Brazil – Which is better for tourists?
- Renting an Apartment in Brazil – Documents, deposits, and paying with Pix
- Complete Money Guide for Brazil – Everything about managing money as a foreigner
Frequently Asked Questions
Do I need a Brazilian bank account?
No. Your wallet balance is in USD, and you pay Pix without opening any local account.
Do I need a CPF to use Pix in Brazil?
For a Brazilian Pix account, yes. But tourists can pay via Pix through apps like WanderWallet without a CPF, you just need your passport for verification.
Is Pix secure?
Yes. You see the exact USD cost before confirming. Unlike tap-to-pay cards where you find out the charge later, there are no surprises with Pix.
Can I send Pix directly to individuals?
Yes! You can send Pix directly to beach vendors, tour guides, or anyone with a Pix key (CPF, email, phone, or their random key). Brazilians love using direct Pix transfers. It’s as common as scanning QR codes.
Can I Use Pix for Online Purchases?
Yes. Many Brazilian e-commerce sites and services offer Pix at checkout. You’ll typically scan a QR code or copy a Pix code to complete the payment. Same clear USD cost before confirming.
Can I Withdraw Cash with Pix?
Yes. Use Pix-Saque at Banco24Horas ATMs and lottery shops (Casas Lotéricas) across Brazil. You’ll see the USD cost before confirming.
How Is My Wallet Balance Stored?
Your balance is always in USD. You can deposit to WanderWallet with USD or EUR. When you scan a Pix QR, you’ll see how much USD the payment costs.
Ready to Start Paying with Pix?
Download WanderWallet and pay like a local in Brazil.
About the Author
Vojta Pohunek
Vojta is the cofounder and CEO of WanderWallet. He is from Prague and has lived in Latin America for three years, where he focuses on making everyday payments simpler for anyone moving between countries.
