Cardless payments and ticket? Understand the Automatic Pix and how it changes your routine

Since the day June 16, the PIX Automatic has officially started to operate as a new stage of the Brazilian instant payment system. Developed by the Central Bank, the feature enables recurring debits (such as monthly payments, subscriptions and accounts DO without the need for slips or cards. The proposal is to offer users a simpler, transparent and controllable alternative to periodic payments.

With a single authorization via banking application, the consumer can schedule automatic payments debited directly from the checking account, without having to enter card number, CVV or expiration date. The tool arrives at a time when Pix is already the most used payment method in the country by 73% of Brazilians, according to survey still, traditional methods such as debit card (60%) and credit (53%) remain preferred for recurring transactions.

“Esse Pix's role reflects an important change in behavior, especially among younger and microentrepreneurs.The simplicity of the tool 'which dispenses machines and fees 'DOUB has been instrumental in boosting small businesses, expanding access to the banking system and stimulating the digitization of the” economy, he highlights lina Open X Business Director Murilo Rabusky. 

The simplicity that challenges the traditional market

The proposal of the Automatic PIX is straightforward: eliminate the complexity of recurring payments. Unlike cards, which require information such as number, CVV and expiration date, the new system works with a single authorization in the banking application.

The process is intuitive: the consumer receives a proposal for automatic debit from the company, authorizes once in the banking app and, from there, payments happen automatically on the agreed dates. The differential is in control: the user can cancel, pause or change values directly by mobile, without bureaucracy. 

“These innovations make the system more efficient, safer and accessible - both for consumers and companies - and consolidate Brazil as one of the global leaders in banking innovation.By continuously evolving according to consumer behavior, Pix reaffirms its role as an engine of inclusion, innovation and competitiveness in the national financial system”, says Murilo Rabusky.

Competitive advantages over cards

Among the main attractions of the new modality for companies is the reduction of default rates and common frictions in card payments IO as exceeded limits or expired cards. According to industry estimates, up to 40% of card billing attempts are declined for a variety of reasons.

In addition, the simplicity of the flow can favor the adhesion to subscription services.Friction at the time of payment is still a bottleneck for retention. Solutions such as the Automatic Pix help eliminate these barriers. 

Despite the advantages, the new modality also faces implementation obstacles. Banks and fintechs need to adapt their systems to operate with the authorization and cancellation infrastructure of the Automatic Pix.On the side of companies, it is necessary to invest in technological integration and clear communication with consumers.

Use in social security, health and education

Even at an early stage, the Automatic Pix is already beginning to be adopted in sectors beyond digital retail.In the area of social security, the Brasilprev in partnership with fintech Lina Open X, we it performs the hiring of plans with payment via Automatic Pix. Educational institutions have also been exploring the alternative for charging tuition, as well as health clinics and plan operators.

The expectation is that, over time, the new modality can replace both slips and cards in recurring transactions. The model favors businesses with a high recurrence rate, such as gyms, subscription clubs and online courses.  

“Companies that can integrate the Automatic PIX intelligently will have significant competitive advantage.The technology not only reduces costs, but improves the customer experience and increases the” loyalty, concludes the director of Lina Open X.

What lies ahead

The debut of the Automatic Pix is part of a broader agenda of the Central Bank to expand the ecosystem of instant payments. Still for 2025, the launch of the Pix Parcelado, which will allow to divide values in several installments directly into the current account 'OD with or without interest, depending on the negotiation with the financial institution.

With this, Brazil is moving to consolidate a system that offers cash, recurring and installment payments (all within the same environment and without the need for a card. It is a change with potential for significant impact in several sectors of the economy.