3 PAYMENT METHOD SCORECARD: PAY BY BANK (REAL-TIME PAYMENTS)
User Experience
method abroad in other countries including Argentina, Uruguay, and Chile. 844 Global Usage (POS) Worldpay’s Global Payments Report 2025 does not include account-to-account in the global POS payments mix. Global Usage (Ecommerce) Worldpay’s Global Payments Report 2025 showed account-to-account transactions making up 7% of global ecommerce payments in 2024. Authorization/Pre-Authorization Real-time payments are not known for their authorization/pre-authorization capabilities, but the introduction of Pix Automatico, Pix’s recurring payment feature, proves it is possible. 845 Recurring Payments Real-time payment platforms can handle recurring payments. Brazil’s PIX rolled out its recurring payment feature, Pix Automatico, June 2025. 846
Metrics
Weight Score
POS Speed
10% 3.0 10% 3.5 15% 5.0 15% 2.0 10% 1.0 10% 1.0
Refund Posting Time
Omnichannel
FX/Cross-Border Global Usage (POS)
Global Usage (Ecommerce)
Authorization & Pre- Authorization Recurring Payments
15% 3.0
15% 3.0
TOTAL SCORE
2.8
POS Speed The checkout experience and usage of contactless technology varies amongst real-time payment platforms. QR codes are a common way to utilize RTP both in-store and online. However, Brazil’s Pix has introduced contactless technology as well as recurring payment capabilities which makes the time at checkout quicker. 838 839 Refund Posting Time Real-time payment refunds are processed Real-time payments are usually associated with QR code payment functionality for in-store environments and accessible through API’s online. 841 842 FX/Cross-Border Real-time payments are usually attached to a country’s central bank which makes cross-border payments not as feasible. However, Singapore’s PayNow network has integrated with other faster payment networks in India, Thailand and Malaysia showing the possibility of real-time payment network working together cross border. 843 Users of Brazil’s Pix are also able to use their payment immediately. 840 Omnichannel
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