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Recurring Pix: Understanding What It Is and How It Will Work  

Published on 05/15/2024 - Updated on 05/20/2024

Available for just over three years, Pix has already surpassed other payment methods in the number of transactions by 59%, according to data from the Brazilian Federation of Banks (Febraban). And there’s a new feature on the horizon: the Brazilian Central Bank announced the launch of Pix Automático, or Recurring Pix, set to officially launch in October. This feature will enable automatic payment of recurring bills via Pix.  

In this content, you’ll learn what Recurring Pix is, how it works, and its benefits for businesses and consumers.    

What is Recurring Pix and How Does It Work?  

Recurring Pix is a feature designed to streamline recurring payments, such as:  

  • Water bills  
  • Electricity bills  
  • Telecommunication bills  
  • Health insurance premiums  
  • School fees  
  • Streaming subscriptions  
  • Membership fees for various products or services  

The primary purpose of this new feature is to simplify and automate regular payments from individuals to businesses. These are periodic payments scheduled, not always with the same amount (for example, an electricity bill may vary), but with the option to set a maximum amount for each payment commitment.  

All participating Pix institutions will offer this feature. Like standard Pix transfers, the Recurring Pix option will be free of charge for individuals making payments, but businesses receiving payments will pay a fee to use the feature.  

To use the recurring payment method, the company must provide the customer with operation instructions, such as amounts and scheduled dates for charges. It will be up to the user to authorize the payment according to the established billing cycle (weekly, biweekly, or monthly, for example).  

For the payer, Recurring Pix brings the convenience of making recurring payments with the ease and security already known from Pix. With prior authorization made by the user in their bank’s app, periodic debits will be allowed automatically from their account without the need for authentication for each transaction.  

Additionally, they can cancel subscriptions at any time, up until 11:59 PM on the day before the billing.  

This method has the potential to increase payment efficiency, reduce defaults, and lower operating costs for the recipient —such as credit card fees.  

The operation is independent of bilateral agreements with each bank where you want to schedule a charge, as is currently the case with direct debit because it uses the infrastructure already created by the Central Bank for Pix operation.    

Recurring Pix as a Payment Method on PagStream®  

PagBrasil is the payment technology company that offers the widest variety of payment methods on the market. Later this year, it plans to integrate Recurring Pix into PagStream®, a flexible ready-to-go solution for subscription management. 

Through PagStream®, merchants can create flexible and personalized subscription boxes or plans for their products and services. When subscribing to a plan, customers can choose to pay with Recurring Pix for added convenience. Currently, the platform already offers the Pix method, which is provided to the subscriber with each charge via Payment Link.  

“The Pix revolutionized the market, reducing costs and increasing efficiency, accelerating the democratization of financial services by encompassing a portion of the population that does not have a credit card or, for other reasons, seeks alternative payment methods. For all these reasons, Pix technology is now an international reference,” observes Alex Hoffmann, CEO and co-founder of PagBrasil. 

Cristiane Moro é jornalista. Na PagBrasil, escreve sobre tecnologia, métodos de pagamento, e-commerce e novidades da empresa.