Man, It is perder of magnitude different. I've noticed it when I gave small money for a beggar using pix. It's really revolutionary.

And remember that credit card fees are greater in Brazil

I won't dispute you or even cassianoleal, but compared to how was US in 2005 (just barely finishing check/que digitalization), Brazil is indeed faster in this forefront (and it enabled the creation of Pix in the first place).