Pix already has tap to pay [1]. However it's still a recent adition (a few months), so most card machines still don't support it (AFAIK).

Once this is widespread, then the only reasons to use credit will be cashback/points or paying in credit.

[1] https://www.gov.br/secom/pt-br/assuntos/noticias/2025/02/pix...

Most card machines support it. The PoS just need to accept Google Pay and it will accept it.