In sweden we got Swish which is instant payments. But costs money when business use it (but cheaper than credit cards i think)

This is also true for Pix.

	▲	vitorgrs a day ago \| parent [-]
		Not really. Some banks don't have fees for PJs. IIRC, Inter and Nubank doesn't. Now PoS which offer Pix then yes. All of them do have fees as far I know.