Starting June 16, 2025, Pix Automático will be available to millions of Brazilians and promises to further simplify the way bills and services are paid. With it, you authorize it just once, and recurring charges are paid automatically without needing to repeat the process for each new due date. But do you know how it will work in practice? We’ve gathered the key information to keep you informed.
How does Pix Automático work?
Imagine you have an electricity bill, condo fee, or that digital newspaper subscription you follow every month. With Pix Automático, 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 set—such as maximum amount or use of a credit line—and notifies you before each debit. On the payment day, everything happens automatically, on the correct date, without you having to touch your phone again. In 2022, Brazil ranked second in the global ranking of instant payments, behind only India, with 29.2 billion transactions—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 Pix Automático, it consolidates its pioneering position by enabling automatic and secure recurring payments directly from the consumer’s bank account, without the need for intermediaries like credit cards or bank slips,” says José Barletta, technical director of Ingenico, a global leader in payment acceptance solutions.
What are the benefits for you?
· Convenience and ease:no more forgotten payments or time wasted authorizing every charge.
·More control:you can track, verify, and even cancel payments directly through your bank’s app.
· Inclusion and savings:Pix Automático is simple, affordable, and accessible for individuals, businesses, and governments.
·Guaranteed security:the Central Bank maintains strict controls to protect your transactions.
What are the benefits for businesses?
In addition to making payments easier for customers, Pix Automático helps reduce defaults, as charges are made automatically, and it expands the customer base—now exceeding 160 million Pix users.
Is Pix Automático safe to use?
Yes! Pix Automático has reinforced security, and the Central Bank constantly monitors operations to protect users. If any issue arises, you can appeal to the Special Refund Mechanism (MED), which allows you to request a refund in two main situations:
·Scam or fraud:to request a refund, there must be a balance in the recipient’s account, and the recipient bank must agree that a crime occurred.
·Paying bank error:situations like unauthorized Pix Automático, non-compliance with defined rules, or canceled authorization.
Global impact
The implementation of Pix Automático places Brazil at the forefront of digital payment innovations, serving as a model for other countries seeking efficient and inclusive solutions for recurring payments.
Therefore, by stating that Brazil is a pioneer in implementing automated recurring payments through Pix Automático, you are highlighting a reality supported by data and international recognition.
