Difference between Recurring Pix and Automatic Pix
Despite their similar names, Recurring Pix and Automatic Pix have different purposes, flows, and responsibilities. Below are the main differences between the two methods.
Understand the difference between Recurring Pix and Automatic Pix
Recurring Pix and Automatic Pix both allow periodic payments, but they have different flows and responsibilities.
In Recurring Pix, the payer sets up a periodic transfer. In Automatic Pix, the payee makes recurring charges after prior authorization from the payer.
Compare the methods
| Characteristic | Recurring Pix | Automatic Pix |
|---|---|---|
| Type of operation | Recurring transfer | Recurring charge |
| Who initiates the setup | Payer | Payee |
| Nature of the payment | Scheduled Pix | Pix with prior authorization |
| Payment initiative | Payer | Payee |
| Recurring action by the payer | No | No, only the initial authorization |
| Formal authorization | No | Yes |
Recurring Pix
Recurring Pix is an automatic, periodic transfer configured by the payer.
The flow works like this:
- The payer schedules a recurring Pix to an account or Pix key.
- They define the amount and the frequency.
- Transfers are executed automatically on the configured dates.
In this model:
- there is no charge;
- the payee does not control the flow;
- the operation works as a recurring scheduled Pix.
Automatic Pix
Automatic Pix is a recurring charge in which the payer pre-authorizes the payee to make automatic debits via Pix.
The journey works as follows:
- The payee creates an authorization request with the initial payment and recurrence details.
- The payer scans the QR Code and authorizes the initial payment and future charges.
- The first payment is processed as a traditional Pix.
- After the initial payment is settled, the authorization is activated and the payee can send the recurring charges according to the defined terms.
This model is suitable for monthly fees, subscriptions, and recurring plans.
Next steps
Updated 2 days ago