Pix Recurrent, launched by the Central Bank at the end of 2023, brings a series of advantages for both companies and consumers, such as reducing defaults with automatic charges, retaining customers through the convenience of recurring payments and saving on transaction fees. , which are smaller than those for bills and credit cards.
This advance occurs amidst the significant growth of the subscription services market, which tends to benefit directly from Pix Recurrent. , leader in payment solutions, presents below a complete overview of the advantages of this modality, available on its Pix API via Open Finance.
How it works
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Pix Recurrent, also known as Pix Scheduled Recurrent, is a solution that allows companies to schedule multiple Pix transactions, monthly fees and subscription plans with fixed values, through a single initial authorization from the customer, eliminating the need for manual charges. After this authorization, payments are automatically processed at adjustable intervals – daily, weekly, monthly or on personalized dates –, depending on business needs, valid for up to 24 months or a total of 60 transactions.
The Pix API via Efí Bank’s Open Finance allows companies to incorporate Pix Recurrent into the payment process directly on their platforms, eliminating the use of QR Codes or the Copy and Paste feature. Financial management is also simplified, with functionalities to initiate, list, cancel and return payments – and notification of these operations to the integrator, ensuring detailed control and monitoring of each transaction in real time.
What are the advantages
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Pix Recurrent has many advantages for companies that offer subscription services, which depend on revenue predictability. The functionality allows them to schedule multiple debits automatically, ensuring a fluid experience for the customer and reducing the risk of default, as scheduling avoids forgetfulness and ensures timely payment.
Furthermore, Pix Recurrent contributes to subscriber loyalty by automating the billing process and eliminating manual renewals, increasing the chances of customer retention. The modality also expands access for consumers who do not use a credit card, favoring the inclusion of a more diverse audience.
From a financial point of view, the economy is another strong point: operating costs are up to 40% lower than bank slips and up to 80% lower than credit cards. In terms of transparency, the customer has full visibility of the debits scheduled at the bank and has the flexibility to cancel the entire schedule or select specific months, providing greater control over payments.
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Most benefited sectors
This solution is especially advantageous for businesses that involve continuous and fixed charges, meeting the demand for automation and practicality in recurring payments. Sectors such as streaming platforms, subscription clubs and institutions that collect donations can benefit from the functionality, as it facilitates the management of regular payments.
Furthermore, companies in the insurance and credit segments also find Pix Recurrent an efficient way to carry out periodic charges, reducing manual processes and improving the customer experience.
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Differentiators of the Efí Bank solution
The Pix via Open Finance API, which includes the endpoint for Pix Recurrent, offers a series of benefits to companies. Integration can be carried out directly or through modules and plugins, with full technical support at all stages of implementation. The platform also offers SDKs in the main programming languages, as well as webhooks that notify about all scheduling and payment status.
Features include endpoints to initiate, list, cancel, and return transactions, ensuring flexibility and control. Furthermore, the solution allows installments to be replaced: if a customer forgets to pay an installment due to lack of balance, he or the integrator can reprogram an immediate Pix to replace, in the original consent, the transaction that was not carried out.
The documentation, available in Portuguese, facilitates access and understanding of the functionalities, while the active community of more than 10 thousand integrators on Efí’s Discord provides an environment for exchange and support between professionals in the area.
With 17 years of experience and more than 500 thousand customers, is a robust and complete payments platform, capable of processing millions of transactions per minute, focused on cutting-edge technology and easy integration via APIs. Regulated by the Central Bank of Brazil, the The company acts as a payments initiator in Open Finance, being a leader in the payments automation sector. In 2023, it surpassed the R$27 billion mark in amounts handled, issuing 283 million charges and processing a total of 6 billion transactions through its APIs.
Here comes Automatic Pix
After the launch of Pix Recurrent, the Central Bank is preparing to introduce a new payment method that should also benefit subscription-based businesses and companies with recurring charges: Pix Automatic, scheduled to come into force in June 2025.
This modality will expand the possibilities of using Pix for multiple payments and will have some important differences in relation to Pix Recurrent, such as the possibility of varying the payment amount each month and the unlimited term.
Check out the similarities and differences between the two solutions in the table:
| Recurring Pix | Automatic Pix | |
| Who can receive it? | Individuals and legal entities | Legal entities |
| How long is the payer authorization valid? | Up to 60 payments over a period of up to 24 months | Unlimited term |
| Can the amount vary from month to month? | No | Sim |
| When is the first payment processed? | One day after the client’s consent. | On the same day or on a scheduled date |
| Who is it suitable for? | Digital businesses that receive recurring payment | Physical and digital businesses that receive recurring payment |
| What frequency can be configured? | Daily, weekly, monthly or customized | Weekly, monthly, quarterly, semi-annual or annual |
| Which Efí Bank API is available? | API Pix via Open Finance | API Pix |
| Transaction journey | By payment initiation (Pix via Open Finance) | By payment initiation (Pix via Open Finance) and multiple journeys, with initiation by QR Code, Pix Copia e Paste and cell phone notification |
| It is available | Sim | Launch scheduled for June 2025, according to the Central Bank |
| Is it possible to issue manually via the app and web platform? | No, only via API | Yes, it will be possible to issue via app, web platform and API |
