Four trades where the payment mix is the business case.

Health payments are infrequent, sizeable and booked in advance — the exact profile a card limit refuses. A decline is not a retry; it is a slot that goes empty and a patient who has to be called. Offering bank transfer alongside cards means the payment is limited by the balance rather than by a card ceiling, and the answer arrives before the appointment does.

A travel booking is a high-value payment whose chargeback window stays open long after the trip is taken, on a margin that cannot absorb one. Cards have to be there — nobody books a holiday without one to hand — but every booking taken by bank transfer instead is a booking that cannot be reversed months later, and the ticket size makes the fee difference concrete rather than theoretical.

Conversion is won and lost on the last screen. Some customers want a card, some want a wallet they can tap, and in Brazil most of them want Pix. A checkout carrying the method each customer already prefers is worth more than any argument about which method is best — and in a trade where a point of conversion is the growth plan, that is the whole case.

Top-ups are frequent and small, so per-transaction costs compound faster here than anywhere. Payouts are expected quickly and are awkward to send back to a card, which is what batch payouts and bank destinations are for. And card acceptance for the sector varies by issuer and market in ways outside your control — a bank transfer or a local method is not subject to a scheme's opinion of your category.