After a lot anticipation, Pix Automatico is lastly right here. Launched on 16 June, the brand new service rolled out by the Central Financial institution of Brazil will allow recurring funds to be made utilizing Pix, with out the necessity for bank cards or advanced direct debit setups.
The brand new characteristic shall be particularly useful when customers want to arrange subscriptions, utilities, and memberships. They merely want to provide consent for a one-time authorisation, and funds will then be routinely deducted from their financial institution accounts. Guide approvals for funds will turn out to be a factor of the previous with Pix Automático, because the characteristic will cut back friction and enhance buyer retention all through the cost journey.
Some particular use circumstances for Pix Automático embrace:
- A streaming platform providing subscription renewals, even for customers and not using a bank card;
- A fitness center chain eliminating missed funds and assortment prices via a totally digital setup;
- A language faculty automating tuition funds with full traceability;
- A espresso or wine subscription membership simplifies month-to-month expenses with only one click on.
Sharing what Pix Automático might imply for organisations exterior of Brazil trying to enter the market, Federico Mazzoli, VP of product at dLocal, the cross-border funds agency, mentioned: “For world companies getting into Brazil, Pix Automático represents a robust software to enhance accessibility and cut back reliance on conventional strategies, together with banked customers with restricted or no entry to bank cards. It helps real-time, low-cost transactions whereas increasing attain throughout a broad shopper base.
“Corporations working with recurring billing fashions profit from decrease churn, elevated conversions, and stronger buyer retention. Operationally, it simplifies reconciliation, automates collections, and minimises friction at each step of the cost journey, positioning Pix Automático as a key enabler of sustainable digital development in Brazil.”
The lead-up to the June launch
The primary point out of Pix Automático took place in 2023, with sights set for a service launch in late 2024. Nonetheless, in mid-2024, it was delayed by the Central Financial institution. Nonetheless, this did cease organisations from making certain they have been ready for the launch when that day finally got here.
In April 2025, digital funds platform, PagBrasil introduced that it might be integrating Pix Automático into its subscription administration platform, PagStream. Via PagBrasil’s platform, retailers would have the ability to simply create, and handle subscription plans, set billing frequencies, deal with upgrades and downgrades, and automate buyer communication associated to cost cycles.
Integrating Pix Automático into PagStream would cut back the variety of cost failures related to expired or cancelled bank cards as retailers can schedule recurring expenses immediately by way of the platform, realizing every transaction shall be executed by way of the Pix infrastructure.
Pix remains to be rising
In 2025, 42 per cent of Brazilian customers admitted to utilizing Pix each day, whereas solely 29 per cent mentioned they relied on bank cards, and fewer nonetheless (21 per cent) on money. General, nevertheless, it’s estimated that round 91 per cent of grownup Brazilians actively use Pix in 2025.
It’s unlikely this quantity will drop too. The Central Financial institution of Brazil has continued to capitalise on Pix’s momentum and introduced in April 2025 that it had 4 new options within the pipeline that will be rolled out over the following yr, thus giving the cost operate much more use circumstances.
Trying comparatively at Brazil’s digital funds progress to the remainder of the area, Tristán Torres Velat, chief business officer at PayRetailers, the Latin American (LatAm) cost processing resolution, mentioned: “Pix was a game-changer for one-off transactions- however we’re now getting into a brand new period the place that’s not sufficient. As shopper behaviour shifts in the direction of subscriptions, memberships and recurring providers, the following problem for real-time funds in LatAm is enabling repeatable, low-friction flows.
“Brazil is already taking steps to get there. The evolution of Pix to assist recurring funds, a key step for sectors like streaming and on-line platforms.
“Most different LatAm methods, nevertheless, aren’t even shut. Mexico, Colombia and others nonetheless solely assist single-use on the spot funds, with no framework in place for recurring use circumstances. Meaning platforms can’t automate renewals or schedule ongoing payouts, which provides pointless operational drag for each customers and retailers.
“We’re monitoring this shift intently. Actual-time cost rails should transfer past velocity. They should be match for function throughout totally different business fashions. Till recurring flows turn out to be a typical characteristic, we’ll see companies proceed to construct pricey workarounds or keep away from sure markets totally.”
Prepared from Day 1
Organisations in Brazil have been counting down the times to 16 June as they ready for the launch of Pix Automático. Three of those included native cost platform, PPRO; open finance platform, Belvo; and EBANX, a world expertise firm specialising in cost options for rising markets.
PPRO
Integrating Pix Automatico into the PPRO platform, retailers and cost service suppliers (PSPs) can now profit from:
- Entry to Brazil’s most popular on the spot cost technique – now with recurring capabilities.
- Optimised conversion and retention – frictionless recurring flows cut back cost declines and subscriber churn.
- Sooner time to market – plug-and-play performance by way of PPRO’s platform accelerates entry to over 174 million Pix customers in Brazil.
- Trusted infrastructure and native experience – constructed on the identical native funds spine trusted by main world manufacturers.
“Recurring funds are a robust engine for development and Pix Automático is about to remodel how customers in Brazil interact with subscriptions and different repeat providers,” mentioned Motie Deliver, CEO at PPRO. “Our mission is to assist PSPs and retailers faucet into native cost preferences with ease, and Pix Automático is one other key step in delivering on that promise.”
Belvo
As a Central Financial institution-regulated cost initiation service supplier (PISP), Belvo took half within the official Pix Automático pilot programme and now presents a sturdy, safe infrastructure to assist companies scale this new resolution.
Belvo’s platform helps each regulated entities, similar to banks and PSPs, and non-regulated firms, by way of a white-label mannequin with totally managed consent flows.
Key options embrace:
- Help for each fastened and variable funds with versatile configurations;
- Good restrict administration, retry logic, and notification methods;
- Totally digital authorisation flows;
- Native safety by way of open finance, with traceable and revocable consent
“We’re witnessing the tip of direct debit as we all know it,” says Leandro Piano, CFO at Belvo. “Pix Automático is a contemporary various that eliminates the ache factors of legacy methods. It allows a extra fluid and environment friendly expertise for each firms and customers.”
EBANX
Prepared and built-in for the launch on 16 June, EBANX revealed the impression Pix Automatico might have on the Brazilian ecosystem. In keeping with Funds and Commerce Market Intelligence (PCMI) information in EBANX’s research Past Borders 2025, Pix Automático might unlock over $30billion in on-line recurring funds inside two years.
“The brand new recurring characteristic of Pix is the important thing to democratising entry to subscription providers, enabling unprecedented monetary management to thousands and thousands of Brazilians,” says Eduardo de Abreu, VP of product at EBANX.
For SaaS and streaming firms, Pix accounts for 13 per cent and two per cent of all on-line quantity transacted, respectively. The typical throughout all verticals is 40 per cent. These two sectors are nonetheless dominated by bank cards, with shares of 79 per cent for streaming firms and 86 per cent for SaaS. Nonetheless, in line with Abreu, “sectors with low Pix participation in transaction quantity ought to expertise a change within the coming years.
“Card quantity shouldn’t be anticipated to say no in sectors the place recurring funds are key, however as an alternative to develop alongside the general market.”
In keeping with PCMI, Brazilian e-commerce is anticipated to develop by 40 per cent over the following two years, representing an extra $167billion in on-line buy quantity.
