How much of these 9% uses Apple Pay? My bet it's just a small part. People still use Pix and physical Credit/Debit Cards. Google Pay/Apple Pay are far behind.

Considering all the major banks credit cards are able to be added to Apple Pay's wallet, my educated guess is if a person has an iPhone and a credit card, they are using it through Apple Pay most of the time. Even meal voucher cards are now able to be added to Apple Pay's wallet.

I don't have statistics readily available, but you can search for CADE's (Brazilian fair trade regulator) inquiry 08700.002893/2025-17 on Apple's refusal to support Pix on Apple Pay and comb through the documents.