Pix, Dimo, Yape, and Bre-B are transforming digital payments in Latin America. Discover what this means for ground transportation and how to sell more with less friction.
The way people complete a payment process is changing faster than ever in Latin America. Today, millions of users no longer think in terms of cards, cash, or slow, friction-filled transfers. They expect to pay in seconds, from their mobile phones, using simple, secure solutions available 24/7.
Digital payments are any type of cashless transactions made without physical currency, in both online and offline settings. This includes card payments (debit, credit, and prepaid), digital wallets, digital bank transfers, instant digital payments, QR code payments, or payments via payment links.
However, instant transfer systems are redefining the payment experience across the region by addressing key barriers and improving the digital payment process. Examples of this type of payment include Pix in Brazil, Dimo in Mexico, Yape in Peru, and Bre-B in Colombia.
For ground passenger transportation, this transformation is not a distant or unrelated trend, but a concrete opportunity to improve conversion, reduce friction, and accelerate direct sales.
At Reserhub, we are clear that integrating multiple digital payment methods is no longer an operational detail; it has become a strategic decision and a competitive advantage. Today, in e-commerce, payment does not close the funnel: it defines it. This is where loyalty is earned, or the user is lost.
Digital payments in Latin America: a regional perspective
Latin America has a unique characteristic: high levels of cash usage, combined with rapid adoption of digital solutions when they solve real friction. Currently, digital and electronic payment methods represent 60% of total consumer spending, according to PCMI Insights data.
Instant payments emerged precisely to close the gap between financial inclusion, speed, and user experience.
As a region, we have been making progress in digitizing payments. In Mexico, a success case is SPEI. Its use is increasingly common for person-to-person payments or high-ticket transactions. We enable it, for example, in Mercado Pago as a payment method, but we are still far from what is happening in Brazil or what is about to happen in Colombia with Bre-B. In Mexico, there are initiatives such as Dimo. — Jorge Cabrera, Commercial Director of Mercado Pago Mexico.
Jorge shared that one of the biggest challenges is getting more people to digitize their money. The question is not whether the tools work, which has already been proven, but what happens when users do not have a savings account that allows them to use them. For example, with Pix in Brazil, users must have a bank account to transfer money.
We understand the pain very well. When speaking with companies, the pattern repeats itself: investing in acquiring a digital customer, bringing them almost to the end of the process, and then the transaction fails at the last step because the user does not have a card, or must leave home to pay in cash at a store. That is where the impact is greatest. The most critical point in the funnel is payment, when all the operational, commercial, and marketing effort has already been made, and the sale is lost at the final stage. — Jorge Cabrera, Commercial Director of Mercado Pago Mexico.
What Are Pix, Dimo, Yape, and Bre-B?
Pix (Brazil)
Pix is an instant payment system created and managed by the Central Bank of Brazil (Banco Central do Brasil, BCB) that enables real-time transfers and payments, 24 hours a day, every day of the year, with immediate settlement. It was launched in November 2020 as part of a public policy to promote financial inclusion and modernize the country’s payment system.
Pix enables payments and transfers between individuals, businesses, and merchants directly from a bank account using simple keys such as a phone number, email address, tax ID number, or a random code, without the need for complex banking details. It also supports QR code payments, facilitating its use at both physical and digital points of sale.
Since its introduction, Pix has seen massive adoption in Brazil. As of September 2025, in a country with a total population of 213 million people, 170.2 million Brazilians had already used Pix, according to data published by the Central Bank of Brazil.
During 2025, an average of more than six million transactions were processed per month.
Dimo (Mexico)
Banco de México (Banxico) has sought to implement initiatives similar to Pix in Brazil to promote financial inclusion. In March 2023, it launched a new real-time instant payment system: Dinero Móvil, or Dimo.
For person-to-person transfers, Dimo allows users to send and receive money using only the mobile phone numbers of the sender and recipient, as long as both are registered in the system.
This system is the successor to CoDi (Cobro Digital), launched in 2019, which prioritizes QR codes and enables payments via QR and NFC technology, eliminating the need for physical cards. Although the number of accounts that have made at least one payment using this method remains relatively low.
In the case of Dimo, the number of registered users grew from 5.6 million in January 2024 to 12.2 million by December of the same year. Meanwhile, for CoDi, by December 2024, the average number of daily transactions reached 9,903, according to Banxico data.
Mexico is progressing at a more gradual pace. While SPEI continues to grow steadily, Dimo still faces challenges in achieving mass adoption, mainly due to low levels of banking penetration (only around 52% of adults have a bank account). Even so, it represents a key foundation for the future of instant payments.
Bre-B (Colombia)
Bre-B is the interoperable instant payment system of the Bank of the Republic of Colombia, through which all Colombians can transfer money regardless of their financial institution.
To complete a transaction, users simply need to access the Bre-B button within their financial institution’s app, enter the recipient’s key, and specify the amount to transfer.
To receive payments, users must have at least one key registered, which may be a phone number, national ID number, email address, or an alphanumeric code assigned by the financial institution. All keys can be viewed and managed directly from the same Bre-B button within the app.
Since its launch and operational rollout, millions of transactions have been processed through Bre-B. As of January 15, 2026, more than 33 million clients were registered, and over 312 million transactions had been completed, according to data published by the Bank of the Republic.
Colombia is still in an early stage, but with a clear regulatory framework and direct learnings from cases like Pix. All signs point to accelerated adoption once the system is fully operational.
Yape (Peru)
Yape is a private wallet created by Banco de Crédito del Perú (BCP) that allows users to send and receive money instantly using only a mobile phone number or QR code, with no transfer fees between app users. It also enables bill payments, mobile top-ups, and more.
Currently, Yape has more than 15 million active users, and by 2026, it expects to reach 16.5 million active users.
What does instant digital payment mean for ground transportation?
In ground transportation, payment is often the point of greatest friction in the sales funnel. The user has already chosen the route, schedule, and seat, but abandons the process when:
- They do not have a card
- The process is slow
- They must leave to pay in cash
- The system fails or is slow to confirm
- There are limited payment options
Digital payments directly address these issues. For high-frequency routes, short trips, or last-minute purchases, being able to pay in seconds can be the difference between completing a sale and losing the passenger.
Wallets and instant transfers: their role in the purchase journey
Digital wallets are applications or platforms that allow users to store money electronically, save payment methods, and perform transactions quickly and securely from a mobile device or the web. They facilitate payments, transfers, and purchases without the need for cash or physical cards, and typically integrate security layers such as biometric authentication and encryption.
For this reason, wallets and instant payments are not just another payment method; they are conversion and loyalty accelerators.
Within the digital funnel, they:
- Reduce the time between intent and purchase
- Eliminate unnecessary steps
- Decrease checkout abandonment
- Enable spontaneous and opportunistic purchases
For example, when users already have money in a wallet, payment becomes almost invisible, significantly increasing transaction success rates.
What does a bus company need to integrate them successfully?
Adding instant payments is not just about “adding a button.” It requires internal alignment between product and development teams to enable seamless integration of multiple digital payment methods within the e-commerce experience. Working with a technological partner such as Reserhub helps accelerate this process and provides the expertise needed to achieve it efficiently and effectively.
Based on Reserhub’s experience, companies require:
- Flexible payment infrastructure
Capable of integrating multiple methods (wallets, transfers, cards) without friction or isolated developments. - Intelligent payment orchestration
Selecting the best method by country, context, average ticket size, fees, and traveler behavior. - Unified data visibility
Understanding which payment methods convert best, across routes, schedules, and passenger profiles. - A specialized technology partner
With deep industry knowledge, regulatory foresight, and the ability to accelerate integration without disrupting daily operations.
The role of a strategic technology partner
The region is moving toward a scenario in which instant payments will be the standard, not the exception. For transportation companies, the challenge goes beyond simply adapting—it requires doing so with speed, control, and a long-term vision.
At Reserhub, we work to ensure that payment technology becomes a growth enabler for our partners’ direct sales channels, not an obstacle. We integrate payment ecosystems designed for the realities of Latin America, connected to data, revenue, and passenger experience.
Because the future of ground transportation is about understanding the traveler and turning every interaction into real value for the sector.
Pix, Dimo, Yape, and Bre-B are not isolated cases. They are clear signals of where the region is headed. Transportation companies that prepare today will be better positioned to capture tomorrow’s demand.
The question is no longer whether digital payments will reach ground passenger transportation operations, but how ready companies are to take advantage of them when they do.
At Reserhub, we support bus companies on that journey, connecting technology, data, and payments to drive a more agile, profitable, and traveler-centric direct sales channel.
