Brazil’s Latest Payment Innovation Sets the Stage for Global Adoption
The evolution of digital payments continues as Brazil prepares to launch Pix Automático, an innovation set to revolutionize recurring transactions like subscription services, utility bills, and tuition payments. Scheduled to go live on June 16, 2025, Pix Automático eliminates the complexity of traditional direct debit systems, creating an accessible, seamless, and cost-effective solution for businesses and consumers alike.
This milestone was the centerpiece of Matera Experience, a financial technology forum that gathered over 150 industry leaders to discuss the future of payments. The event featured key executives including Carlos Netto (Matera), Glauber Mota (Revolut), Leandro Coelho (Vivo Fintech), Marcia Vicari (Central Bank of Brazil), Marco Tazitu (Cielo), and William Sousa (C6 Bank)—who collectively examined the implications of Pix Automático for businesses, financial institutions, and consumers.
A Game-Changer for Recurring Payments
Pix has already transformed how people pay in Brazil, reducing cash transactions from 77% to 40% in just four years. Today, Pix accounts for one in four payments in Brazil, and Pix Automático is expected to extend that success to recurring payments, enabling greater financial predictability and accessibility.
“With 156 million Brazilians using Pix, its impact on financial inclusion is undeniable. The rapid digitalization of payments has reduced transaction costs by $24.6 billion—equivalent to 1.32% of Brazil’s GDP. Pix Automático takes this revolution further, enabling recurring payments without affecting credit limits. It is practical, accessible, and free for individuals, expanding possibilities for businesses, service providers, and consumers alike.”
– Marcia Vicari, Head of Pix Management, Central Bank of Brazil
How Businesses Will Benefit
For merchants and service providers, Pix Automático eliminates the hurdles associated with traditional direct debit, offering better cash flow management and reducing payment failures.
“We are witnessing a transformation that benefits both consumers and retailers. Pix Automático removes barriers, democratizes recurring payments, and creates new opportunities for retail, enabling a more predictable and integrated financial flow.”
– Marco Tazitu, Superintendent of Pix and Card Networks, Cielo
The telecommunications sector is also set to benefit. With millions of customers making recurring monthly payments, Pix Automático will streamline billing processes and expand customer payment options.
“Pix Automático is a game-changer—for both payers and payees. Customers can authorize payments with their preferred bank, not just one pre-approved by a company. This shift increases efficiency and flexibility, opening doors to financing smartphone purchases and other digital banking innovations.”
– Leandro Coelho, Director, Vivo Fintech
A Model for the Global Payments Industry
As the US and other markets explore instant payments through networks like FedNow and RTP, Brazil’s Pix system has already become a global benchmark.
“Brazil is at the forefront of payment innovation. Pix is already a global success story, and Pix Automático is the next step toward full financial digitalization. It’s a model that could be replicated worldwide, bringing efficiency and ease to consumers everywhere.”
– Glauber Mota, CEO, Revolut Brazil
Why This Matters for the US Market
In the United States, businesses and consumers are increasingly seeking cheaper, faster alternatives to credit card payments—yet direct debit remains costly and inflexible. Pix Automático provides a glimpse into what’s possible: a real-time, account-to-account recurring payment system that reduces costs and eliminates intermediaries.
The success of Pix and Pix Automático in Brazil demonstrates that instant, push-based payments can replace outdated debit and ACH systems. For fintechs, banks, and merchants in the US, it offers a roadmap for innovation, aligning with the growing demand for open banking and real-time payments.
“Pix Automático is direct debit for the masses. This new functionality will drive financial inclusion, digitalization, and efficiency—unlocking new opportunities for businesses and consumers alike.”
– Carlos Netto, CEO, Matera
Looking Ahead: The Future of Payments
As Brazil continues enhancing its payment infrastructure, the Central Bank has already announced future developments, including contactless Pix transactions and enhanced digital security measures.
With Pix Automático paving the way, the global payments landscape is set for transformation—and businesses worldwide should take note.
About Matera
Matera is a trusted provider of technology solutions for financial institutions. With over 30 years of experience and a team of over 1,000 professionals, Matera has deep expertise in Core Banking, Instant Payments and QR Code Payments. Two of the top three global banks, three of the top 10 U.S. banks and one-third of all banks in Brazil trust Matera. Matera operates in both Brazil and North America. To learn more, visit: www.matera.com.