[victorbjorklund]

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

[jowea]

This is also true for Pix.

[vitorgrs]

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.