Launched in 2020, Pix has revolutionised the way Brazilians make payments.
Today, it is the country's preferred payment method, offering instant, secure transfers with no fees for the payer. Building on this success, the Central Bank of Brazil is now preparing to introduce Automatic Pix—a feature designed to make transactions between businesses and consumers even more seamless.
Expected to launch this year, Automatic Pix will allow individuals to set up automatic payments for recurring bills—such as electricity, phone services, and gym memberships—directly to companies.
Automatic Pix is an innovation within Brazil's payment system, enabling recurring payments in a simple and convenient way.
To use this feature, the user must first authorise the company to automatically charge for its services—a process designed to be quick and straightforward, completed directly within their banking app.
Once the initial authorisation is granted, the business can schedule automatic debits from the user’s registered account according to the agreed frequency—whether weekly, monthly, quarterly, or annually.
This innovation not only makes life easier for users of the payment system, which already has over 150 million users, but also creates new opportunities for businesses—allowing them to manage recurring payments more efficiently.
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To streamline adoption, the Central Bank of Brazil has established four different authorisation models for Automatic Pix. This allows businesses to choose the most suitable method for their recurring payment needs.
The authorisation processes determine how merchants will offer the automatic payment service to their customers, taking into account factors such as frequency, amounts, and payment flexibility. Below are the available options:
Ideal for merchants who already have their customers' banking details. The request to activate Automatic Pix is sent directly via push notifications.
Perfect for simple subscription models, allowing customers to authorise recurring payments without needing to make manual transactions.
Combines an instant purchase with automatic payment setup, enabling the customer to complete a one-time transaction while configuring future recurring payments.
Allows customers to choose between one-off manual payments or a subscription model, offering flexibility for those who prefer greater control over their transactions.
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For consumers, Automatic Pix provides greater convenience by eliminating the need for manual payments. For businesses, the key benefits include:
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As we have seen, Automatic Pix is a true revolution in Brazil’s payment ecosystem, representing an excellent opportunity for merchants looking to expand their operations in the country. By providing a simple, fast, and secure payment experience, it not only makes life easier for consumers but also creates new opportunities for businesses to connect with the Brazilian market more efficiently. More than that, this is the Central Bank of Brazil’s major initiative to replace traditional direct debits, offering the same functions—but with even greater convenience.
Don’t miss the opportunity to explore Automatic Pix and transform the way your customers make payments in Brazil!
