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The thing with a credit card, is that when I buy something online, or it never gets delivered, or turns out to be crap, I can get the credit card company to reimburse me.

And in person, if someone manages to copy it and fraud me, I can also get it resolved and have the credit card company pay me back.

Do these instant payment system offer similar protections?

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There's the small claims courts for that, strong consumer protection laws.

Also some banks are offering insurance on trial basis already.

But yeah, I prefer CC on international platforms, or if the cashback is higher than the discount they offer via Pix (5% to 20%).

Lenovo offered me 20% on a Laptop recently through Pix.

With the discount I paid a bit more on broader support, keep your disks, liquid damage protection.

And from someone who lived in Brazil. Small claims court fucking suck. A kafkian nightmare compared to a chargeback.

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