What Is Pix by Biometrics and How Does It Work?

Getnet and Mastercard have launched Pix by Biometrics via Open Finance, a solution that lets shoppers authorise Pix payments directly on a retailer's website or app — no bank app switching required. The technology works on both smartphones and desktop computers, making it suitable for the full range of online shopping scenarios.

How Does the Registration and Authentication Process Work?

First-time users must complete a one-off enrolment to link their bank account through the Open Finance infrastructure. After that initial setup, subsequent purchases can be confirmed using facial recognition, fingerprint scanning, or a PIN — all without leaving the checkout page. The payment initiation layer is operated by Lina OpenX, a Mastercard partner regulated by Brazil's Central Bank (Banco Central do Brasil).

Who Is the Target Audience?

The initial rollout focuses on large-scale e-commerce operations. By reducing the number of steps between "place order" and "payment confirmed", Getnet and Mastercard say the solution helps lower cart-abandonment rates — a persistent challenge for Brazilian online retailers. No specific launch merchants or financial institutions have been announced yet.

Why Does This Matter for E-Commerce Sellers?

Fewer checkout steps directly translate into higher conversion rates. Pix is already Brazil's dominant instant-payment method, and adding biometric confirmation at the store level removes the friction of app-switching, which is one of the top reasons customers abandon carts mid-purchase.

Key Facts:
  • Solution developed by Getnet and Mastercard via Open Finance.
  • Works on mobile and desktop.
  • Authentication options: facial recognition, fingerprint, or PIN.
  • Payment initiation operated by Lina OpenX, regulated by Banco Central.
  • One-time enrolment required on first use.
  • Initial focus on large e-commerce operations; partner stores not yet announced.