zPix Automático is Brazil’s leap into frictionless recurring payments.
Launched on June 16, 2025, the Central Bank of Brazil empowers users to schedule automatic Pix payments with just one consent.
What is Pix Automático, and why does it matter for SaaS?
Pix Automático is Brazil's new automated recurring payment feature, enabling businesses to collect subscription payments directly from customers' bank accounts or digital wallets. It allows consumers to authorize recurring payments for services such as subscriptions, utilities, and memberships through a one-time consent. Pix Automatico was built on Pix, which had a huge success and was created by the Central Bank.
Unlike traditional debit mandates, Pix Automático is universal and it’s mobile-native, real-time, and designed for simplicity. Customers can cancel a scheduled payment up to a minute before execution. While chargebacks, as seen in card systems, don’t apply to Pix, refunds can be managed by the merchant through the official refund API. Pix Automático isn’t just a feature—it’s public financial infrastructure. For SaaS finance leaders, it’s time to rethink payment flows and unlock subscription potential in Brazil.
How can PayPro Global help?
PayPro Global enables SaaS businesses to integrate Pix Automático into their checkout experiences with minimal development. With built-in lifecycle management and smart dunning tools, you can recover failed payments proactively—before churn occurs.
Why is June 2025 a turning point?
Mid-June is a milestone, not just a date.
After a one-year delay from its initial 2024 target, Pix Automático was rolled out countrywide on June 16, 2025. Around 165 million Pix users will be able to plan and automate regular payments from that point on.
Fintechs aren't the only companies getting ready; payment platforms, SaaS companies, and streaming services are also aligning. Activation plans have been announced by payment processors such as Dock, PagBrasil, and EBANX. SaaS companies may finally get past failed renewals and expired cards as subscription renewals shift to permanent, bank-grade infrastructure.
How does Pix Automático work?
Think of Pix Automático as a smart trigger: the customer consents once—and the payment executes on schedule.
Here’s the simplified flow:
- User agrees: through your app, payment page, or bank QR.
- Terms confirmed: amount, frequency, and caps defined.
- Payments run automatically: without user intervention.
- User retains control: can cancel up to a minute before execution.
-
Real-time confirmation: payment clears instantly.
This system is supported across banks, neobanks, and wallets, thanks to a centralized Pix infrastructure managed by Banco Central do Brasil. There are no delays—just uninterrupted flow.
Did you know?
PayPro Global handles the full orchestration—from mandate collection to real-time confirmation and cancellations. Your customers remain in control, while your billing stays seamless.
What pain points does Pix Automático solve?
Pix Automático doesn’t just improve—it redefines subscription billing in Brazil:
| Legacy Pain Point | Pix Automático Fix |
| High card declines | No cards required—just Pix |
| Complex bank debits | Unified mandate approval process |
| Late invoices & delays | Instant, automated billing |
| Chargebacks & disputes | No chargebacks; managed refunds |
By eliminating failure points, you reduce churn, increase lifetime value, and enable consistent cash flow. For Brazil’s cardless users, subscription services now become fully accessible.
With real-time alerts, retry logic, and multilingual billing flows, PayPro Global minimizes involuntary churn while ensuring compliance with Brazil’s Pix and tax regulations. It’s infrastructure that thinks ahead.
How can SaaS businesses prepare for Pix Automático?
The rails are ready—but your strategy must be, too. To succeed, SaaS providers need to realign payment flows and educate customers. It’s not just about tech—it’s about customer trust and market fit.
Preparation Roadmap
- Partner with Pix-ready PSPs (e.g. EBANX, PagBrasil).
- Add Pix Automático at checkout—clearly and prominently.
- Offer attractive mandates: trials, bundles, incentives.
- Educate on the benefits: no cards, easy cancel, full control.
- Track key metrics: churn (voluntary/involuntary), LTV, mandate acceptance.
- Invest now—subscriptions will grow fast under stable infrastructure.
eCommerce Partner
Thrive with the industry's most innovative all-in-one SaaS & Digital Goods solution. From high-performing payment and analytics tools to complete tax management, as well as subscription & billing handling, PayPro Global is ready to scale your SaaS.
Sell your SaaS globally with PayPro Global!
What tech and compliance issues should SaaS consider?
Brazil’s financial system is sophisticated—and tightly regulated. To deploy Pix Automático, SaaS companies must manage:
-
Secure mandate lifecycle
- User cancellation flows
- Real-time notifications
- Compliance with Central Bank (BACEN) rules
- Local tax handling (ISS/ICMS) and product classification
-
FX conversions and cross-border settlement
This is more than a feature—it’s a market ecosystem. Get it right, and you’ll unlock sustainable growth.
Why does this matter for global SaaS companies?
Brazil isn’t just another market—it’s a strategic growth engine.
Pix Automático enables global SaaS to:
- Serve Brazil’s unbanked and underbanked population
- Cut costs with zero chargeback risk
- Build trust through payment localization
- Unlock reliable, recurring revenue
Early movers gain advantage—but strategic execution is what drives results.
The PayPro Global Approach:
As your Merchant of Record, PayPro Global localizes your SaaS business effortlessly. From Pix to boletos to cards, currency conversion, fraud management, and compliance—it’s a full-stack Brazilian experience.
What’s next in Pix evolution?
Pix isn’t static—it’s Brazil’s dynamic payment platform.
Coming soon:
- Pix Garantido: Installment payments (BNPL model)—under development
- Contactless Pix (NFC): Tap to pay, no QR codes
- Cross-border Pix: International transfers in the works
- Pix via Open Finance: Subscription integrations through open APIs
These innovations will further expand Pix’s capabilities and reach.
How Can PayPro Global’s Merchant of Record Model Help?
Entering Brazil? You need more than payments—you need an MoR infrastructure.
As your Merchant of Record, PayPro Global offers:
- Full compliance: Nota Fiscal, ISS/ICMS, digital tax management
- Currency handling: BRL billing with global FX payouts
- Legal & regulatory cover: No local entity needed
-
Unified contract: One agreement for Pix, boletos, cards, and more
eCommerce Partner
Thrive with the industry's most innovative all-in-one SaaS & Digital Goods solution. From high-performing payment and analytics tools to complete tax management, as well as subscription & billing handling, PayPro Global is ready to scale your SaaS.
Sell your SaaS globally with PayPro Global!
Conclusion
Pix Automático is not just another payment option—it’s a foundation for recurring billing in Brazil.
By preparing early and aligning with infrastructure like PayPro Global, SaaS providers can:
- Unlock 60+ million cardless customers
- Reduce churn and lower processing costs
- Build stable, subscription-based revenue
- Embrace next-gen payment flows—installments, NFC, APIs
- Scale securely in Brazil’s high-potential digital market
Pix Automático’s June 2025 launch marks a breakthrough in Brazilian billing. For SaaS companies, it removes barriers, builds trust, and reaches a wider audience.
Combined with PayPro Global’s Merchant of Record infrastructure, you’re not just entering Brazil—you’re setting the stage for long-term growth.
FAQs
What is Pix Automatico?
Pix Automatico is an official system from Brazil's Central Bank for collecting recurring payments. After a one-time customer consent, it automates subscription payments directly from their bank account, making it ideal for SaaS billing models.
How is Pix Automatico different from regular Pix or a credit card subscription?
Regular Pix is for one-time manual payments, while Pix Automatico is automated for recurring billing. Unlike credit cards, it avoids failures from expired cards or credit limits, which directly reduces involuntary customer churn.
What are the main benefits of using Pix Automatico for a SaaS business?
The main benefit is a sharp reduction in churn from failed payments. It also unlocks access to millions of cardless customers in Brazil, lowers processing costs, and completely eliminates the risk of fraudulent chargebacks.
Can a customer cancel a Pix Automatico payment?
Yes, customers retain full control. They can cancel any scheduled payment directly in their banking app up to a minute before it is processed, which builds user trust.
Is Pix Automatico safe for my customers and my business?
Absolutely. It runs on the same secure infrastructure managed by the Central Bank of Brazil as the entire Pix system. For businesses, direct bank payments remove the risk of fraudulent chargebacks.
What happens if a Pix Automatico payment fails?
If a payment fails due to insufficient funds, a payment partner can use smart dunning tools. These systems automatically and intelligently retry the payment at optimal times to maximize payment recovery.
What is Pix Garantido and how is it different?
Pix Garantido is a future feature for installment payments, like a "Buy Now, Pay Later" (BNPL) model for a single purchase. In contrast, Pix Automatico is specifically for ongoing, recurring subscription payments.
Ioana Grigorescu
Ioana Grigorescu is PayPro Global's Content Manager, focused on creating strategic writing pieces for SaaS, B2B, and technology companies. With a background that combines Languages and Translation Studies with Political Sciences, she's skilled in analyzing, creating, and communicating impactful content. She excels at developing content strategies, producing diverse marketing materials, and ensuring content effectiveness. Beyond her work, she enjoys exploring design with Figma.
