Difference Between Recurring Pix and Automatic Pix

Comparison Table

---

Recurring Pix

Recurring Pix is an automatic and periodic transfer configured directly by the payer.

How it works

1. The payer schedules a recurring Pix to a bank account or Pix key.
2. They define the amount and frequency (monthly, weekly, etc.).
3. Transfers are automatically executed on the configured dates.

See more information about this feature here:
Recurring Pix

Notes

• It is not a charge.
• The payee has no control over the payment flow.
• It works like a recurring scheduled Pix transfer.

Example

A customer schedules a monthly Pix transfer to pay for a service directly through their banking app.

---

Automatic Pix

Automatic Pix is a recurring billing solution, where the payer gives prior authorization to the payee to automatically collect payments via Pix.

Payment journey

1. Integrated QR Code generation
   The payee creates an authorization request containing the initial payment details and the recurrence parameters.

2. Authorization by the payer
   The payer scans the QR Code and authorizes both the immediate payment and future recurring charges.

3. Initial payment
   The first payment is processed as a regular Pix transaction.

4. Recurring activation
   After the initial payment is settled, the authorization becomes active and the payee can issue recurring charges according to the defined terms.

See more information about this feature here:
Automatic Pix

Notes

• Suitable for memberships, subscriptions, and recurring plans.
• The payee controls the billing within the authorized limits.
• Provides greater financial predictability and reduces delinquency for the payee.

---

Summary

• Recurring Pix: recurring transfer configured and controlled by the payer.
• Automatic Pix: recurring charge initiated by the payee with prior authorization from the payer.