Automatic PIX: frictionless recurring charges

Receive tuition, subscriptions and continuous services automatically. The customer authorizes once and payments happen on the right date, without them having to do anything.

Regulated by BCB4 journeysComplete API

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Kobana dashboard showing Automatic PIX charge management

+170M

PIX users in Brazil

24/7

available

Auto

recurring debit

supported journeys

Regulated by BCB

The evolution of direct debit

Automatic PIX is the Central Bank regulated modality that allows recurring charges via PIX. Unlike traditional direct debit, it doesn't depend on bank agreements or bureaucratic processes.

Your customer authorizes once and that's it. Each period, we send the charge to the payer's bank, which processes the payment automatically on the configured date.

No bank agreements: just need a PIX-enabled account
One-time authorization: customer approves once, payments follow automatically
Total control: payer can set limits and cancel at any time
Free for payers: no fee for those who pay

Automatic PIX

Simplified recurring charges

Choose how your customer will authorize

The Central Bank defined 4 journeys to obtain payer authorization. Kobana supports all of them via API.

Simplest

Push Notification

You send the authorization request and the payer receives a notification in the bank app to approve. Ideal for flows where you already have the customer relationship.

Fluxo

1Your company requests authorization via API
2Customer receives push notification in bank app
3Customer approves directly in the app
4Recurrence activated automatically

E-commerce

Redirect (Payee Website)

The customer initiates authorization on your website or app and is redirected to the bank environment to confirm. Perfect for e-commerce checkout and digital platforms.

Fluxo

1Customer chooses Automatic PIX at checkout
2Is redirected to bank app/website
3Confirms authorization in bank's secure environment
4Returns to your site with active recurrence

Immediate conversion

QR Code with Payment

"Composite" QR Code that includes an immediate charge along with recurrence authorization. The customer pays the first installment and already authorizes the next ones.

Fluxo

1You generate a QR Code with charge + authorization
2Customer scans and pays the first installment
3Upon payment, already authorizes recurrence
4Next charges are automatic

No initial charge

Authorization QR Code

QR Code only with recurring authorization data, no immediate charge. Ideal for trial, grace period or when the first payment is on a future date.

Fluxo

1You generate a QR Code only with authorization
2Customer scans and authorizes recurrence
3No debit is made at the moment
4Charges begin on configured date

From setup to automatic receipt

Configure once, receive automatically every month

Configure recurrence

Define amount, frequency (monthly, weekly, etc.), start date and billing rules. All via API or dashboard.

Obtain authorization

Use one of 4 journeys to obtain payer authorization. The customer defines limits and preferences.

We send the charges

Before each due date, we send the payment instruction to the customer's bank. The payer receives a notification.

Receive automatically

On the due date, the payer's bank processes the PIX automatically. You receive the amount and a confirmation webhook.

Why use Automatic PIX in your company

Expanded customer base

Reach over 160 million PIX users in Brazil. Don't depend on customers with credit cards or accounts at specific banks.

Reduced delinquency

Automatic charges mean fewer forgetfulness and delays. Payment happens on the right date, without depending on customer action.

Lower operational cost

No need for bank agreements or contracts with each institution. A single setup via API and you're ready to receive from any bank.

Payment diversification

Offer another recurring payment option besides credit card and traditional direct debit.

Predictable cash flow

Know exactly when receipts will come in. Plan your cash flow with more precision.

Simplified experience

No bank slips to send every month, no payment links, no reminders. The process is automatic for you and your customer.

Good for you, good for your customer

Automatic PIX brings benefits for payers too

One-time authorization

Approve once and don't need to do anything every month

Payment on the right date

No delays, no late fees, no worries

Total control

Can set maximum amount and cancel whenever they want

No fees

Automatic PIX is free for payers (BCB regulation)

Management in bank app

Track and manage everything through the app they already use

No card needed

Alternative for those who don't have or don't want to use credit card

Ideal for recurring charges

Subscriptions and SaaS

Charge software subscriptions, streaming, subscription clubs. The customer signs once and payments flow automatically.

Benefícios:

Churn reduction
Automated billing
Less delinquency

Schools and Courses

School tuition, online courses, academies. Reduce delinquency and billing operational work.

Benefícios:

500 students = zero monthly bank slips
Punctual receipt
Less administrative work

Condominiums and Real Estate

Condo fees, rent, installment property taxes. Receive punctually without having to issue bank slips every month.

Benefícios:

On-time condo fees
Automatic rent
Less delinquency

Continuous Services

Maintenance, technical support, monitoring, insurance. Any service with periodic billing.

Benefícios:

Support contracts
Monthly maintenance
24/7 monitoring

Health Plans and Insurance

Plan premiums, insurance, pension. High recurrence with low friction for the customer.

Benefícios:

Alternative to direct debit
Wide customer base
Guaranteed payment

Clubs and Gyms

Gym memberships, sports clubs, associations. Loyalty with frictionless payment.

Benefícios:

10,000 automated students
Card migration
Lower cost

Everything you need via API

Recurrences

Create, list, update and cancel recurring billing configurations.

GET /recurrences
POST /recurrences
PATCH /recurrences/:uid
PUT /recurrences/:uid/cancel

Requests

Send authorization requests to payers in the 4 available journeys.

GET /requests
POST /requests
GET /requests/:uid

Charges

Manage individual charges for each recurrence cycle.

GET /pix
POST /pix
PUT /pix/:uid/retry
PUT /pix/:uid/cancel

REST API Integration

Our API offers endpoints for all Automatic PIX operations: create recurrences, request authorizations, send charges and track payments.

View complete API documentation

bash

curl -X POST https://api.kobana.com.br/v2/charge/automatic_pix/recurrences \
  -H "Authorization: Bearer your_token" \
  -H "Content-Type: application/json" \
  -d '{
    "pix_account_uid": "pix_abc123",
    "amount": 99.90,
    "description": "Pro Plan Monthly",
    "frequency": "monthly",
    "start_date": "2025-02-01",
    "payer": {
      "document_number": "12345678900",
      "name": "John Smith",
      "email": "john@email.com"
    }
  }'

response

{
  "status": 201,
  "data": {
    "uid": "rec_0199bc7f908c7d53",
    "status": "pending_authorization",
    "amount": 99.90,
    "frequency": "monthly",
    "start_date": "2025-02-01",
    "payer": {
      "document_number": "12345678900",
      "name": "John Smith"
    },
    "authorization_url": "https://kdoc.to/a/xyz123",
    "qrcode_base64": "iVBORw0KGgoAAAANSUhEUgAA..."
  }
}

Real-time notifications

Receive webhooks for each event in the Automatic PIX lifecycle

Event	Description
automatic_pix.authorization.approved	Payer authorized recurrence
automatic_pix.authorization.rejected	Payer declined authorization
automatic_pix.authorization.cancelled	Recurrence was cancelled
automatic_pix.charge.scheduled	Charge scheduled at payer's bank
automatic_pix.charge.paid	Charge paid successfully
automatic_pix.charge.failed	Charge failed (insufficient balance, etc.)
automatic_pix.charge.retried	New charge attempt sent

Automatic PIX vs. other billing methods

Compare and choose the best option for your operation

Feature	Automatic PIX	Direct Debit	Recurring Card	Monthly Bank Slip
Bank agreement	Not needed	Required	Not needed	Not needed
Cost for payer	Free	May have fee	Card fee	Free
Authorization	One-time	One-time	One-time	None
Customer action	None after authorizing	None after authorizing	None after authorizing	Pay every month
Availability	24/7	Business days	24/7	Business days
Reach	160M+ users	Bank customers	Cardholders	Anyone
Setup	Simple via API	Bureaucratic	Simple	Simple