Starting on June 16, 2025, Automatic Pix will be available to millions of Brazilians and promises to further simplify the way to pay bills and services. With it, you authorize only once, and recurring charges are automatically paid without the need to repeat the process for each new due date. But do you know how it will work in practice? We have selected the key information for you to stay informed.
How does Automatic Pix work?
Imagine you have the electricity bill, the condominium payment, or that digital newspaper subscription that you follow every month. With Automatic Pix, these companies can offer this payment method, which only needs to be authorized once by you.
After that, the bank schedules the payment according to the rules you have defined — such as the maximum amount or use of credit line — and notifies you before each debit. On the payment day, everything happens automatically, on the right date, without you needing to touch your phone anymore. In 2022, Brazil ranked second in the world in instant payments, behind only India, with 29.2 billion transactions carried out — representing 15% of the global total, according to data from the Central Bank of Brazil.
“Brazil is already internationally recognized for its leadership in instant payment systems. Now, with the launch of Automatic Pix, it consolidates its pioneering position by allowing recurring payments to be made automatically and securely, directly from the consumer’s bank account, without the need for intermediaries such as credit cards or bank slips” Jose Barletta, technical director of Ingenico, a global leader in payment acceptance solutions.
What are the benefits for you?
· Practicality and convenience: nothing to forget about payment or waste time authorizing every charge.
· More control: you can track, check, and even cancel payments directly through your bank’s app.
· Inclusion and savings: Automatic Pix is simple, inexpensive, and accessible for individuals, companies, and governments.
· Guaranteed security: the Central Bank maintains strict controls to protect your transactions.
And for businesses, what are the advantages?
In addition to facilitating payment for customers, Automatic Pix helps reduce default rates, as charges are made automatically and increases the customer base: over 160 million Pix users.
Is it safe to use Automatic Pix?
Yes! The Automatic Pix has reinforced security, and the Central Bank constantly monitors transactions to protect users. In case of any issues, you can resort to the Special Refund Mechanism (MED), which allows you to request a refund in two main situations:
· Scam or fraud: to request a refund, it is necessary for there to be a balance in the receiver’s account, and the receiving bank must agree that a crime has occurred.
· Payer bank error: situations like unauthorized Automatic Pix, transactions that do not follow the defined rules, or where authorization was cancelled.
Global Impact
The implementation of Automatic Pix puts Brazil at the forefront of innovations in digital payments, serving as a model for other countries seeking efficient and inclusive solutions for recurring payments.
Therefore, by affirming that Brazil is a pioneer in the implementation of automated recurring payments through Automatic Pix, you are highlighting a reality supported by data and international recognition.
