{"id":514425,"date":"2025-10-06T13:58:09","date_gmt":"2025-10-06T17:58:09","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=514425"},"modified":"2025-10-08T10:41:00","modified_gmt":"2025-10-08T14:41:00","slug":"colombias-instant-payments-system-aims-for-pix-like-success","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/colombias-instant-payments-system-aims-for-pix-like-success\/","title":{"rendered":"Colombia\u2019s Instant Payments System Aims for Pix-Like Success"},"content":{"rendered":"\n<p>Colombia\u2019s new instant payment system, Bre-B, is now live\u2014modeled closely on Brazil\u2019s highly successful Pix and developed in part by the same Latin American payments firm, EBANX.<\/p>\n\n\n\n<p>Early results are promising: more than 30 million people have already registered, representing 76% of Colombia\u2019s adult population. The system also has strong federal backing. Soon, Bre-B will be integrated with Cajas de Compensaci\u00f3n Familiar<strong> (<\/strong>Family Compensation Funds), which provides social benefits and subsidies to Colombian citizens.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-favorable-economic-landscape\">A Favorable Economic Landscape<\/h2>\n\n\n\n<p>Colombia\u2019s economy is well-positioned for this new payment method. Its digital economy has been growing at double-digit rates since 2019 and is expected to reach $52 billion this year, making it the third-largest Latin American market after Brazil and Mexico. Latin America, more broadly, is receptive to digital payments: according to Beyond Borders, seven out of 10 Latin American adults have made or received <a href=\"https:\/\/www.paymentsjournal.com\/the-hottest-area-for-digital-payments-latin-america\/\" target=\"_blank\" rel=\"noreferrer noopener\">payments through digital channels<\/a>.<\/p>\n\n\n\n<p>Another factor points to Colombia\u2019s potential for success. It has one of the lowest credit card penetration rates in Latin America, with only 18% of adults having access to credit cards. This could give it an advantage similar to Pix in Brazil, which <a href=\"https:\/\/www.paymentsjournal.com\/brazils-pix-could-surpass-credit-cards-next-year\/\" target=\"_blank\" rel=\"noreferrer noopener\">grew from 68% penetration<\/a> among adults in 2020 to 90% by 2023. By comparison, credit cards account for <a href=\"https:\/\/www.reuters.com\/business\/finance\/brazils-pix-overtake-credit-cards-e-commerce-soon-2025-study-shows-2024-09-09\/\" target=\"_blank\" rel=\"noreferrer noopener\">roughly 40% of Brazil\u2019s payments market<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-compare-and-contrast-with-pix\">Compare and Contrast with Pix<\/h2>\n\n\n\n<p>Many of Bre-B\u2019s features were inspired by the Pix rollout, starting with user identification through basic keys like phone numbers and emails. Bre-B has already issued over 80 million of these payment keys. Other similar features include QR code payments, mandatory interoperability for instant transfers, and time-based transaction limits to prevent fraud.&nbsp;<\/p>\n\n\n\n<p>However, there are key differences as well. While Brazil built a single rail between financial institutions to make Pix interoperable, Colombia developed a new ecosystem for Bre-B on top of its existing payments infrastructure. This approach allowed it to connect established account transfer services while also providing flexibility for new integrations in the future. &nbsp;<\/p>\n\n\n\n<p>Currently, Bre-B supports only peer-to-peer transfers and consumer-to-business payments. The next step will be onboarding government entities like Cajas de Compensaci\u00f3n Familiar, allowing citizens to pay taxes and receive government disbursements through Bre-B. Future plans include recurring payments for subscription-based services and batch transfers for payroll and high-volume payments.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Colombia\u2019s new instant payment system, Bre-B, is now live\u2014modeled closely on Brazil\u2019s highly successful Pix and developed in part by the same Latin American payments firm, EBANX. Early results are promising: more than 30 million people have already registered, representing 76% of Colombia\u2019s adult population. The system also has strong federal backing. Soon, Bre-B will [&hellip;]<\/p>\n","protected":false},"author":8441,"featured_media":85400,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"64662"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[64515,64886],"tags":[65785,65784,985,237,62412],"class_list":["post-514425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emerging-payments","category-payments-news","tag-bre-b","tag-colombia","tag-ebanx","tag-instant-payments","tag-pix"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Colombia&#039;s Instant Payments System: The New Pix? - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"Colombia\u2019s instant payment system, Bre-B, is now live\u2014modeled closely on Brazil\u2019s Pix and developed in part by the same payments firm, EBANX.\" \/>\n<meta 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