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Automatic Pix is a recurring payment solution built on the Pix infrastructure. It allows businesses to collect recurring payments automatically after a one-time authorization by the payer. Unlike traditional direct debit, which requires bilateral agreements between companies and each bank, Automatic Pix works across the entire Pix ecosystem, making it accessible to any user with a bank account. Key Benefits:

For Your Business

  • Reduced Delinquency: Payments are collected automatically, mitigating forgetfulness.
  • Lower Costs: Generally cheaper than credit card fees and boleto issuance.
  • Higher Conversion: Accessible to customers who don’t have credit cards.
  • Immediate Settlement: Funds are available instantly, improving cash flow.

For Your Customers

  • Convenience: “Set it and forget it” experience for recurring bills.
  • Control: Easy management and cancellation via their banking app.
  • No Fees: Typically free for individual payers (Pessoa Física).
  • Safety: Built on the secure Pix infrastructure with established refund mechanisms.
Common Use Cases:
  • Utilities: Water, electricity, gas, and internet bills.
  • Subscriptions: Streaming services, newspapers, and software (SaaS).
  • Tuition: Schools, universities, and specialized courses.
  • Financial Services: Insurance premiums, condos, and loan repayments.
How it works (Authorization Journeys): The core of Automatic Pix is the authorization. The payer must grant permission for your business to debit their account periodically. We support the two standard journeys:
Best for physical locations or desktop web flows.
  1. Presentation: You display a dynamic Pix QR Code (specific for authorization) to the user.
  2. Scan: The user scans the code using their banking app.
  3. Review: The bank app displays the subscription details (max amount, frequency).
  4. Confirmation: The user confirms, and the authorization is established.