Introduction to Automatic Pix
Automatic Pix is an innovative solution that automates recurring payments in a simplified, efficient, and secure manner. Ideal for businesses that work with subscriptions, monthly fees, or recurring bill charges, Automatic Pix evolves from traditional methods by eliminating the need for manual interaction, reducing defaults, and facilitating financial management, serving both companies and consumers.
How does it work in practice?
Ideal for companies that offer subscriptions, recurring services, school tuition, health plans and similar services.
The receiver creates a recurrence and the payer authorizes it only once. Then, payments happen automatically in each cycle.
Reduces delays, eliminates the need to remember payment dates and simplifies financial management for both parties.
Flow in 4 simple steps
1. Create Recurrence
The receiver defines the recurring charge characteristics (amount, frequency, start date).
2. Authorize
The payer authorizes only once in the bank app, choosing one of the 4 available journeys.
3. Schedule
Each cycle, the receiver sends the payment instruction and the payer's bank automatically schedules it.
4. Settle
On the scheduled date, debit and credit are automatically processed in each party's account.
Automatic Pix API Features
QI Tech, through its Automatic Pix API, enables the integration of automatic payments using Pix, based on prior payer-to-receiver authorizations. The system covers the following responsibilities:
Facilitates the creation, management, and cancellation of recurrences in a simplified and efficient way.
Ensures that Automatic Pix recurring payments are properly authorized by the payer.
Completely automates payment cycles, from scheduling to settlement.
Maintains complete records of all operations for compliance with Bacen rules.
Recurrence Types
Fixed Value Recurrence
In the fixed value mode, the payer authorizes recurring payments of fixed amounts, previously established when creating the recurrence.
Ideal for: Monthly subscriptions, school tuition, service plans with fixed values.
Variable Value Recurrence
In the variable value mode, the payer and receiver agree on a range of allowed amounts for each recurring charge. The receiver defines the minimum value and the payer defines the maximum value.
Important: The receiver must reconcile the payment order with the amount to be charged within 10 to 3 days before the charge date.
Ideal for: Consumption-based models, variable service bills, payments adjustable over time.
Recurrence Frequency
Currently, it is possible to create recurrences with the following frequencies:
Available Frequencies
Weekly
Monthly
Quarterly
Semi-annual
Annual
Automatic Pix Authorization Journeys
Automatic Pix supports various authorization journeys to meet different business scenarios:
Journey 1: Push Notification
App notification for recurrence confirmation, without need for QR Code. The payer receives a notification and authorizes directly in the app.
Journey 2: QR Code - Recurrence
Authorization with QR Code containing only recurrence data. The payer scans the QR Code and authorizes only the future recurrence.
Journey 3: QR Code + First Payment
QR Code allowing immediate first payment and recurrence setup simultaneously. Ideal for cases where you want to receive the first payment and create the recurrence in the same transaction.
Journey 4: Complete QR Code
QR Code including data for immediate payment/scheduling and automatic pix offer for that charge, after payment or scheduling. Allows payment (or scheduling) and automatic pix offer in a single operation.
For complete details on how to implement each journey, see:
Recurrence Cancellation
Cancellation Rules
- Cancellation Request
Can be made by both the payer and receiver user unilaterally, without need for mutual approval.
- Cancellation Impact
Authorization and recurrence are cancelled simultaneously, automatically blocking new payment instructions.
- Cancellation Process
The payer user updates and communicates the cancellation status to the receiver user, who must be informed immediately.
- Immediate Effects
Automatically cancels all associated schedules, except those scheduled for settlement on the cancellation day itself.
- Receiver Initiative
The receiver can cancel the recurrence by their own decision or upon payer request through the API.
Advantages and Potential
Automatic Pix offers various advantages, such as centralization of authorizations and payments, incentive to financial digitization, and efficiency in automatic debit solutions, filling gaps in traditional payment methods.
Reduction of delay risk and the need to remember due dates, with elimination of manual steps
Centralization of authorization and payment control in a single platform
Incentive to digitization of financial processes and modernization of customer relationships
Simplification of operations for merchants and end customers
Efficiency in automatic debit solutions with Pix technology
Filling existing gaps in traditional payment instruments
Scenario Simulation
During the development and testing of integration with Automatic Pix, it is essential to validate all flows before using the production environment. Scenario Simulation provides a complete sandbox environment that allows testing the entire lifecycle of a recurrence, from creation to payment settlement.
What is Scenario Simulation?
Scenario Simulation is a tool that allows testing the complete Automatic Pix flow in the sandbox environment, simulating SPI (Instant Payment System) responses without performing real transactions. It covers:
- Creation and approval of recurrences using the 4 available journeys
- Processing of payment orders and creation of reconciliation batches
- Simulation of payment attempts with different results (success or rejection)
- Testing of cancellation flows and recurrence management
When to use?
Simulation is recommended for:
- Integration validation: Test if your application is correctly integrated with the API
- Development: Develop and debug your implementation without costs
- Flow testing: Validate different scenarios (successful payments, rejections, cancellations)
- Training: Familiarize your team with Automatic Pix flows before going to production
How to use?
The simulation process follows a sequence of steps that replicates the real flow:
- Create a recurrence using one of the authorization journeys
- Approve the recurrence via mock, simulating payer confirmation
- Process payment orders that automatically create reconciliation batches
- Query and reconcile orders (mandatory for variable values)
- Update execution date to accelerate tests in sandbox
- Process attempts of payment
- Simulate the result: Incoming Pix (success) or rejection
For a detailed step-by-step guide on how to use scenario simulation, including all available endpoints and request examples, see:
Simulation Benefits
Testing without costs or risks, in controlled and isolated environment
Complete validation of all flows before production
Acceleration of dates and processes for faster testing
Simulation of different scenarios (successes, failures, cancellations)