Alternative payment methods (APMs) and account-to-account (A2A) payments are transforming finance across Latin America. Now, Brazil is taking recurring payments to the next level with Pix Automático, a powerful update to its instant payment system.

This guide explains what Pix Automático is, how it works, and why your business should pay attention.

What is Pix and why has it become Brazil’s leading payment method

Launched in 2020 by Brazil’s Central Bank, Pix enables instant, 24/7 transfers between individuals, businesses, and government entities. With over 150 million active users, it’s become the country’s most popular payment method, expected to represent 44% of all digital transaction value by 2025.

Beyond convenience, Pix is driving financial inclusion, allowing millions of unbanked and underbanked consumers to participate in the digital economy. For businesses, Pix delivers faster settlements, reduced processing fees, and access to a wider consumer base, a winning combination for sustainable growth.

What is Pix Automático?

Pix Automático is an enhancement to Brazil’s Pix system, designed specifically for recurring payments. It enables users to pre-authorize automatic debits from their accounts for things like:

• Streaming subscriptions

• Utility bills (electricity, water, internet)

• Gym memberships

• Insurance premiums

• School or tuition fees

• SaaS and other digital services

Once a customer authorizes a payment — via QR code or directly in their banking app — future transactions happen automatically, on schedule, without the need for manual confirmation each time.

Think of it a new version of direct debit, but faster, more flexible, and designed for a digital-first generation.

Why Pix Automático matters now

Brazil’s Central Bank will officially activate Pix Automático on June 2025, and early adoption metrics are already compelling:

• 32% of Brazilians are already aware of the feature

• 90% say they intend to try it

• The most cited use cases are utilities (55%), streaming services (34%), and fitness subscriptions (24%)

This means millions of Brazilians are ready to automate their payments and businesses need to be ready to receive them.

More importantly, Pix Automático brings tangible benefits for both merchants and customers:

For consumers:

• No more missed due dates or late fees

• Full control over limits and authorizations

• No need for credit cards or long setup processes

For merchants:

• Reduced churn from missed or delayed payments

• Improved cash flow with instant settlement

• Lower operating costs compared to cards or boleto

• Expanded reach to unbanked or underbanked users

How it works

The user experience is simple:

1. During checkout or service signup, users are offered Pix Automático as a payment method.

2. The user approves a recurring payment agreement—setting parameters such as max payment amount and frequency.

3. Payments are automatically debited from their Pix-enabled bank account on the agreed date.

4. The user can manage or cancel authorizations anytime via their banking app.

Merchants can initiate this flow seamlessly using API integrations provided by certified PSPs (Payment Service Providers)

Why global businesses should pay attention

Pix Automático isn't just a new feature, it's a window into Brazil's next generation of financial infrastructure.

For global eCommerce, SaaS, OTT, and service-based businesses expanding into Brazil, this unlocks a frictionless, bank-backed APM (alternative payment method) that rivals traditional debit and credit card models.

Here’s what you gain:

• More conversions: fewer barriers during checkout

• Better retention: customers stay subscribed longer

• Faster payouts: real-time settlement instead of 30-day cycles

• Greater inclusion: reach millions who don’t use credit

In a country where credit card penetration is limited and installment payments dominate the market, Pix Automático brings a welcome alternative that’s easier to manage and often cheaper for both sides.

Integration Made Easy

Leading payment platforms like Beeteller are already offering early access to Pix Automático’s API documentation, allowing merchants to prepare for a smooth rollout.

By integrating ahead of time, your business will be ready to:

• Offer Pix Automático at checkout

• Build recurring billing logic using Pix

• Manage authorization status and notifications

• Optimize backend flows for reconciliation and reporting

With technical support and localization strategies in place, early adopters can gain a serious head start, positioning themselves as payment leaders in Latin America’s largest market.

Consumer expectations: what you should know

The success of Pix Automático will depend on how well businesses align with user expectations. According to research:

• 47% of consumers expect cashback incentives

• 37% want fee waivers

• 25% value easy cancellation policies

Meeting these demands can increase adoption and loyalty, especially among users unfamiliar with digital recurring payments. For many, this will be their first experience with automated billing and that experience must be seamless.

Final thoughts

Pix Automático is more than a feature. It’s a financial milestone in a country where innovation meets massive market potential.

Global merchants that move fast to integrate Pix Automático will gain not just a competitive edge—but also a better relationship with Brazilian consumers who value control, speed, and simplicity in how they pay.

At a time when recurring revenue models are powering growth across industries, Pix Automático delivers the infrastructure Brazil needs and the opportunity merchants want.

Are you ready to automate success in Brazil? Access our Pix Automático integration hub