In October 2024, the Central Bank of Brazil announced a new recurring payment feature that would be added to Pix called Pix Automático (also known as Automatic Pix). Going live in June 2025, organisations are looking to integrate Pix Automático into their platforms to hit the ground running as soon as possible – the latest to accomplish this is digital payments fintech, PagBrasil.
Pix Automático/Automatic Pix will enable automated, pre-authorised debits through the country’s widely adopted Pix and open finance framework. As a result of integrating the upcoming recurring payment method, merchants using PagBrasil’s API can now begin their own integration processes and be fully operational from day one.
“At PagBrasil, we are fully prepared to support our clients with Pix Automático from the first day of its official rollout,” said Ralf Germer, CEO and co-founder of PagBrasil. “Our platform integration is complete, and we invite merchants using our API to start their setup now — so they can be ready to offer this seamless payment experience as soon as Pix Automático goes live.”
Pix Automático, introduces recurring payments within the Pix ecosystem. Ideal for streaming services, subscription box businesses, tuition fees, utility bills, and other periodic charges, Pix Automático allows consumers to authorise recurring Pix debits directly through their banking app.
At its current stage, Automatic Pix simplifies the experience for users, who only need to authorise recurring payments once. However, charge flow management remains the merchant’s responsibility. To simplify merchant onboarding and ensure a fully automated, enhanced experience for consumers, PagBrasil will offer Automatic Pix integrated into its intelligent subscription management platform, PagStream.
Automatic Pix Meets PagStream
PagStream, PagBrasil’s subscription management platform, was designed to simplify the operational complexity of managing recurring payments in Brazil. Merchants can easily create, and manage subscription plans, set billing frequencies, handle upgrades and downgrades, and automate customer communication related to payment cycles.
The integration between PagStream and Pix Automático represents a significant evolution in subscription management by enabling the collection of recurring payments through Pix, without depending on credit card networks. Merchants can schedule recurring charges directly via PagStream, while each transaction is executed through the Pix infrastructure based on the payer’s prior authorisation. This eliminates common payment failures associated with expired or cancelled credit cards.
Pix is showing no signs of slowing down
This innovation comes at a time when Pix continues to gain ground across Brazil. According to the PYMNTS Intelligence and Galileo report, 43 per cent of Brazilian consumers use Pix daily, compared to 29 per cent who rely on credit cards and just 21 per cent who use cash. The study also found that 82 per cent of Pix users report that the payment method positively impacts their daily lives.
Additionally, 95 per cent of consumer interactions with banks in Brazil now occur through digital channels, signalling a major shift toward a more agile, digital-first financial ecosystem.
Optimising recurring payments
With the Central Bank continuing to create new ways in which Pix can handle tasks associated with traditional financial challenges, and the continued growing adoption rate of Pix, it is likely that credit card usage will continue to drop.
Pix Automático offers strategic benefits for merchants looking to optimise their recurring payment models. By offering lower transaction costs compared to traditional credit card processing, the solution helps reduce operational expenses and improve margins.
Additionally, Pix Automático expands its reach to a broader audience, including consumers who do not use credit cards — unlocking new market potential and driving higher payment volumes. With Pix Automático, businesses can choose from multiple authorisation journeys — including QR code and app notification flow — to best suit their customer base.
With Pix Automático, consumers gain full control over their recurring payments directly within their banking app. From authorising and monitoring to cancelling subscriptions, every action is just a few taps away, eliminating the delays and red tape typically associated with cancelling credit card-based services.
Because payments are processed via direct account debits, users no longer need to worry about expired cards, fraud, theft, or insufficient credit limits. Strong authentication and secure bank account linking ensure each transaction is both seamless and protected, delivering a more reliable and frustration-free payment experience.
From a market standpoint, Pix also opens access to a broader customer base. Considering a country with over 212.6 million inhabitants (according to the population estimates published on the Official Gazette), more than 82 per cent of Brazilians actively use Pix, while just 62.8 per cent use credit cards, according to the Central Bank of Brazil. This positions Pix Automático as not only a more efficient solution but also a more inclusive one.
