Recurring Pix API
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Hello 👋
At Trio, we’re committed to advancing payments through Pix, Brazil’s instant payment system and the fastest, most secure and most traceable payment method there is. We know that recurring credit card payments are a pain point for many companies, for many reasons:
- Highly exposed to fraud;
- High fees charged by gateways and sub-acquirers;
- Difficulty processing chargebacks with the card network;
- Advancing receivables comes with even more fees, and so on.
Recurring billing via Pix has therefore become a pressing need for many customers, especially in sectors such as e-commerce, education, platforms and monthly subscription services, among others.
The main advantage of Recurring Pix is that, unlike traditional direct debit, it offers more flexibility and control, enabling instant recurring payments that don’t depend on business days or banking hours.
How does it work for the end customer?
Formats: Consumers can pay with Recurring Pix in three ways: by scanning a QR code, using the “Pix Copia e Cola” (copy-and-paste code) option or receiving a notification in their bank’s app.
Rules: After choosing how to activate it, they can set some rules, such as the maximum amount of each payment and whether to authorize the use of an extra limit (such as an overdraft) if there isn’t enough balance in the account.
Scheduling: From then on, the company sends the charge to its bank a few days before the due date. The payment is scheduled automatically, and the user receives a notification confirming the schedule.
Cancellation: All information is available in the bank’s app, and if the user disagrees with the charge, they can cancel it until 11:59 PM on the day before the payment.
Payment: On the due date, the bank makes the automatic debit according to the defined rules.
What’s more, everything can be managed directly in the bank’s app, with no need to contact the company to change or cancel a payment.
Ready to get started?
Talk to our integration team or check the documentation to test in Sandbox: