[Perizors]

In the case of Brazil, besides QR codes, you can also make payments using the user unique key, which can be its phone number, social security number, email or a random generated key.

[cesarb]

> you can also make payments using the user unique key, which can be its phone number, social security number, email or a random generated key.

And you can also use the bank account number, effectively replacing older bank transfer mechanisms like DOC and TED.