Pix Automatic
The system Pix the Central Bank of Brazil has changed forever the way of transfer of money in Latin America. Since its launch, has promoted financial inclusion, reduced costs, and transformed the traditional banking system.
But the story doesn't end there.
Now comes Pix Automatic, an evolution that promises to revolutionize the recurring paymentscloser to Brazil —and soon to be in the region— a new era of automation financial.
⚙️ What is Pix Automatic?
Pix Automatic version is “intelligent” Pix traditional.
Allows you to perform recurring payments and automated without the intervention of the user in each transaction.
Examples: subscription services, insurance, monthly school or memberships digital.
The user authorizes a time, and the system executes payments on the dates agreed upon, secure and traceable.
🌎 Why is a disruption to Latin america?
- Eliminates the dependency on credit cards
Subscriptions and automatic debits because they do not require intermediaries or issuers traditional.
This expands the access to the recurring payments in populations without banking full. - Reduces costs and frictions
Pix automatically, eliminates processing fees, and reduces time of settlement.
For retailers, it means cash flow more predictable and lower operating costs. - Open the door to new business models
From SaaS services to gyms and streaming platforms premises, any business can create plans recurrent without relying on gateways expensive.
🔒 Security and compliance: the new challenges
Automation brings new risks.
With more data flowing and payments without human intervention, the control of fraud and data protection need to be strengthened.
Systems that integrate Pix Automatic must comply with:
- PCI DSS for the protection of payment data.
- Standards ISO 27001 management of information security.
- Local rules of privacy and data protection.
🚀 Expected impact in the region
Brazil will be the starting point, but the contagion effect to Mexico, Colombia, Chile and Peru it is inevitable.
Central banks and fintechs are already studying models of interoperability based on experiences as a Pix.
Latin america is moving toward an ecosystem of payments instant, open and safe, where the automation is the norm and not the exception.
🧭 Conclusion:
Pix Auto is not only an improvement of the system of payments; it is the start of a new financial architecture.
His arrival will boost the fintech, simplify the user's life and will put pressure on the traditional actors to innovate.
In IQ Information Quality, we are closely monitoring these transformations to accompany banks, retailers and processors in compliance with the international standards that will allow for this evolution with security.
You may also like: Pix Automatic in Brazil
🔗 Sources:
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Banco Central do Brasil: Pix Auto – Implementação e Schedule 2025, Latin Fintech Observatory, Instant payments in Latin America (2025), Forbes Brazil, Pix Automatic: the new standard for recurring payments (2025)
