Starting 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 him, you authorize once, and the periodic charges are paid automatically, without needing to repeat the process each new due date. But do you know how it will work in practice? We have selected the main information for you to stay informed.
How does Automatic Pix work?
Imagine that you have the electricity bill, the condominium fee, or that digital newspaper subscription you follow every month. With Automatic Pix, these companies will be able to 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 payday, everything happens automatically, on the right date, without you needing to touch your phone anymore. In 2022, Brazil ranked second in the global instant payments ranking, behind only India, with 29.2 billion transactions made — 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 Automatic, it consolidates its position at the forefront by enabling 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. José Barletta, technical directorofIngenico, a global leader in payment acceptance solutions.
What are the benefits for you?
· Practicality and convenience:nothing about forgetting the payment or wasting time authorizing every charge.
· More control:You can track, verify, and even cancel payments directly through your bank's app.
· Inclusion and economy: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 companies, what are the advantages?
In addition to making payments easier for customers, Automatic Pix helps reduce default rates, as charges are made automatically and the customer base is growing: over 160 million Pix users.
Is it safe to use Automatic Pix?
Yes! The Automatic Pix features enhanced security, and the Central Bank constantly monitors transactions to protect users. If any problem occurs, you can resort to the Special Refund Mechanism (MED), which allows you to request a refund in two main situations:
· Hit or fraud:To request a refund, there must be a balance in the recipient's account, and the receiving bank must agree that a crime occurred.
· Payer bank error:situations such as unauthorized Automatic Pix, that do not follow the defined rules or whose authorization has been canceled.
Global impact
The implementation of Automatic Pix places 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 stating that Brazil is a pioneer in the implementation of automated recurring payments through Pix Automatic, you are highlighting a reality supported by data and international recognition.
