Automatic Pix

Automatic Pix (or "Pix Automatico") is the Central Bank of Brazil's official solution for managing recurring and automated payments.

The core concept is a "pull payment" system built on the Pix infrastructure. Instead of the customer "pushing" a payment each month, they provide a one-time pre-authorization. This authorization gives the merchant permission to automatically debit their account on a scheduled basis.

Key benefits

Payer

Merchant

✔️ Full control and transparency Customers can view, manage, set maximum spending limits, and cancel all their authorizations directly within their own banking app. ✔️ Convenience Offers a "set it and forget it" experience for all their recurring bills and subscriptions. ✔️ Enhanced security Built on the secure and encrypted Pix network, with advance notifications before each payment is debited.

✔️ Reduce involuntary churn Eliminates payment failures and churn caused by expired credit cards, lost cards, or credit limits. ✔️ Predictable cashflow Automates the entire billing cycle, providing a steady and reliable revenue stream. ✔️ Increase conversion Taps into the entire Brazilian market, including millions of customers who do not have or prefer not to use a credit card. ✔️ Built-in retries The network includes logic to automatically retry failed payments (e.g., due to temporary insufficient funds), increasing your collection success rate.

Journeys

Automatic Pix offers different ways of starting a recurrency, merchants can opt for the journey that matches best with their purchase experience.

Journey	How it works
QR Code Authorization	The customer scans a QR code with their banking app to follow the authorization flow. This method only approves future payments without creating an initial charge, allowing the first payment to be initiated later.
QR Code Authorization + First Payment	A single QR code contains all the necessary information for both authorization and the initial payment. This allows the customer to make the first payment and authorize future recurring payments in one simple step.
Post-Purchase Authorization Coming soon	After completing a one-time purchase, the customer receives an offer to opt-in and complete the authorization flow for future recurring payments.
Direct Bank Notification Coming soon	When the merchant already has the customer's banking details, a push notification can be sent directly to their bank. The customer then receives a prompt from their bank to complete the authorization flow.
Open Finance Flow Coming soon	This method utilizes our Open Finance integration. The customer is automatically redirected from your checkout page directly to their preferred banking app to securely complete the authorization.