Comment by curiousguy

Minor annoyance, but just a few limitations and restrictions, after all you need a smartphone and internet connection.

So.. when paying in a store, you need to open your banking app in your smartphone, and if you’re in an area with bad cellular connection (inside a few buildings or in a countryside), you need to connect to the store wifi. Only then you can scan the store QR code and make the payment.

So a single payment can easily take a few minutes, as opposed to a contactless card payment which takes a few seconds.

My main issue with pix is the even more reliance on a smartphone for our day to day life.