The automatic Pix will revolutionize the way the market deals with recurring charges in Brazil, and payment orchestrators play a fundamental role in this scenario. Unlike direct integration with banks — often complex and limited — these gateways offer an agile and efficient solution, allowing businesses of all sizes to access various automatic Pix providers with a single integration. The flexibility presented not only reduces operational costs, but ensures greater system resilience.
In the company I lead, for example, technology constantly monitors the performance of suppliers, automatically switching to an alternative provider in case of instabilities — a critical differential for businesses that depend on predictable receivables, all without any impact or action required by the end customer.
Challenges and differentials of automatic Pix
One of the biggest technical challenges of automatic Pix is dealing with situations in which the payer does not have enough balance or when the amount exceeds the predefined limit. The system makes up to three collection attempts on alternate days within a seven-day window after the scheduled date, significantly increasing the chances of success. When payment is still not completed, it is essential to communicate with the customer and offer alternatives such as payment links with credit card options or NuPay. The approach not only minimizes default, but also enhances user experience, allowing them to choose the most convenient way to settle the debt.
Now, when compared to traditional methods, the competitive advantages of automatic Pix are evident. While boletos require manual action by the payer with variable costs ranging from R$ 1.50 to R$ 9.00 per transaction, Pix is settled instantly, 24/7, including weekends and holidays – a stark contrast to the two to seven business days for boletos or 30 days for credit cards. For high amounts such as rent or school fees, the savings on fees are even more significant compared to the percentages charged by cards. Direct debit, on the other hand, faces the complexity of specific bank integrations. Thus, automatic Pix emerges as a cheaper, faster, and more efficient alternative, especially for optimizing cash flow.
Inclusive, sectors like education, utilities, and subscription have more potential for method adoption, but all periodic billing can benefit. It is important to note that while new businesses adopt automatic Pix as the first option, the migration of consolidated bases will be gradual — especially relevant for companies with low-value charges, where savings on fees are more impactful.
Safety is another differential: each transaction is authenticated by the paying bank with a password or biometrics. This ensures that the one authorizing the automatic Pix is indeed the owner of the bank account used. It also allows the payer to set a maximum limit for the charge, which direct debit and traditional credit card payments do not traditionally offer.
Complementing payment method
In the future, the automatic Pix tends to complement the credit card (which remains attractive due to benefits like points), but should progressively replace invoices and direct debits. In addition to recurring charges, applications like rent and pro-labor also benefit.
For small businesses still hesitant, the message is clear: savings on fees and improvement in cash flow through immediate settlement are competitive advantages that no entrepreneur can ignore. The automatic Pix is not just a technological evolution, it is the new foundation for efficient financial management in Brazil.
