Starting June 16, 2025, Automatic Pix will be available to millions of Brazilians and promises to further simplify the way bills and services are paid. With it, you authorize once, and periodic 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 selected the key information for you to stay informed.
How does Automatic Pix work?
Imagine you have an electricity bill, condo fees, or that digital newspaper subscription 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 set—such as maximum amount or credit line usage—and notifies you before each debit. On the payment date, everything happens automatically, on the right date, without you needing to do anything else on your phone. In 2022, Brazil ranked second in the global instant payments ranking, 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 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 like credit cards or bank slips,” José Barletta, technical director of Ingenico, a global leader in payment acceptance solutions.
What are the benefits for you?
· Practicality and convenience:no more forgetting payments or wasting 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, affordable, and accessible for individuals, businesses, and governments.
· Guaranteed security:the Central Bank maintains strict controls to protect your transactions.
And for businesses, what are the advantages?
In addition to making payments easier for customers, Automatic Pix helps reduce defaults, as charges are made automatically, and increases the customer base: over 160 million Pix users.
Is it safe to use Automatic Pix?
Yes! Automatic Pix has enhanced security, and the Central Bank constantly monitors operations to protect users. If any issues arise, 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, there must be a balance in the recipient’s account, and the recipient’s bank must agree that a crime occurred.
· Payer bank error:situations like unauthorized Automatic Pix, transactions that don’t follow the defined rules, or where authorization was canceled.
Global impact
The implementation of Automatic Pix 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 Automatic Pix, you are highlighting a reality backed by data and international recognition.
