Automatic Pix

Automatic Pix is a payment method designed for recurring charges, allowing future payments to be executed automatically after a single authorization from the payer.

Once the initial authorization is granted, subsequent payments can be processed without requiring manual interaction from the payer for each charge, providing a more seamless experience for both merchants and customers.

Automatic Pix is particularly suitable for subscriptions, memberships, monthly services, schools, gyms, condominiums, and any business model based on recurring collections.

When to use

Automatic Pix is recommended when:

• recurring charges are required;
• future payments should occur automatically;
• reducing friction during payment is important;
• the payer should only authorize the recurrence once;
• the business operates with subscriptions or recurring services.

Payment journey

The Automatic Pix flow through the Asaas API is based on Journey 3, where consent for the recurrence is obtained during the payment of the first installment.

In this model, the generated QR Code contains both the information required for the immediate payment and the data necessary to authorize future recurring payments.

Initial payment flow

Recurring payment flow

Integration flow

The process consists of the following steps:

1. Integrated QR Code generation

Your application creates the authorization request and defines the recurrence parameters.

A composite QR Code is generated, containing both the immediate payment information and the recurring payment authorization data.

2. Payer authorization

The payer scans the QR Code using their banking application.

During this process, the payer authorizes:

• the immediate payment;
• future recurring payments according to the configured terms.

3. Initial payment

The first payment is processed as a regular Pix transaction.

The payer's financial institution performs the settlement of the initial payment.

4. Recurrence activation

After the first payment is successfully settled, the authorization becomes active.

From that point onward, recurring payment instructions can be sent according to the schedule defined during the authorization process.

Important behaviors

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Important

Future payments depend on the successful completion of the initial payment.

If the first payment is not completed, the authorization will not become active and future charges cannot be processed.

Additionally:

• the payer grants authorization only once;
• recurring instructions depend on an active authorization;
• authorizations may expire according to the configured finishDate;
• the payer may cancel the authorization at any time;
• cancellation or expiration prevents future recurring charges.

Typical integration flow

Create authorization
↓
Generate integrated QR Code
↓
Payer scans the QR Code
↓
Initial payment is completed
↓
Authorization becomes active
↓
Create recurring charges
↓
Send payment instructions
↓
Automatic settlements occur

Operational impacts

Automatic Pix introduces asynchronous events into the integration flow.

For this reason, it is recommended to:

• implement Webhooks to monitor authorization and payment events;
• store authorization identifiers;
• monitor authorization status changes;
• handle cancellation and expiration scenarios;
• process recurring events asynchronously.

Recommended next steps

After understanding the Automatic Pix flow, we recommend consulting:

• Create Automatic Pix authorization.
• Create recurring charges.
• Automatic Pix events.
• Automatic Pix Webhook flows.
• Refusal reasons.
• Webhook configuration.