Pix Orchestrator: The Evolution of Payment Management for Recurring Services

The Challenge:
The Hidden Complexity of the Pix Ecosystem

Pix revolutionized payments in Brazil. Its meteoric adoption has consolidated it as an essential method for companies and consumers. However, as the ecosystem evolved — from traditional Pix to Pix via Biometrics and the future Automatic Pix — operational management has become exponentially more complex.

Pix reached a new record of 290 million transactions in a single day in September 2025, totaling R$ 164.8 billion transacted

Recurring service companies (such as utilities, telcos, and educational institutions) face a fragmented scenario:

• Rigid Integration: The need to connect to multiple banks and PSPs (Payment Service Providers) generates dependency (lock-in) and high maintenance costs.
• Legacy Systems: Modernization is often blocked by the difficulty in adapting old billing systems (based on CNAB files) to the new Pix APIs.
• Payment Failures and Revenue Loss: Payment failure — whether due to provider instability, processing errors, or lack of customer balance at the time of collection — can paralyze billing. Without a smart fallback and retry system, every unsuccessful transaction results in lost revenue and an increase in default rates.
• Broken User Experience: Managing different modalities across different channels (web, app, WhatsApp, POS) creates an inconsistent and friction-filled payment journey, reducing conversion rates.

The Solution: The Bemobi Pay Pix Orchestrator

To transform Pix from an operational challenge into a strategic advantage, Bemobi launches the Pix Orchestrator.

This new functionality of the Bemobi Pay platform acts as an intelligent decision engine that centralizes, automates, and optimizes all Pix modalities, ensuring greater efficiency, control, and resilience for billing.

The solution is built on four strategic pillars:

1. Flexible and Hybrid Integration

The Bemobi Pay Orchestrator solves provider "lock-in" and the barrier of legacy systems.

• Gateway and BYOP ("Bring Your Own Pix"): We act as a payment gateway connected to over 800 financial institutions. Furthermore, through the BYOP model, we allow your company to connect its own banks to our platform, gaining autonomy and negotiation power.
  
• API and CNAB (Legacy): Our platform was designed for hybrid environments. We connect via modern APIs, but also translate legacy CNAB files (widely used in automatic debit) for the Pix ecosystem. This allows large companies to modernize their operations without complex and time-consuming system replacement projects.

2. Optimized Payment Experience (Omnichannel and Frictionless)

User experience is the main pillar of conversion. Our Smart Checkout unifies the journey across all channels (Web, App, WhatsApp, POS), adapting the Pix modality to the customer's context. The goal is to eliminate friction, reduce steps, and maximize conversion.

• Pix Copy and Paste (Static and Dynamic): We optimize the generation and management of QR Codes, ensuring correct reconciliation and facilitating integration in any point of sale or digital platform.
  
• Pix via Biometrics (Invisible Authentication): A strategic integration that redefines payment fluidity. Thanks to our native partnership with Google Pay and our SDK, the user authorizes payment with a single touch (biometrics or facial recognition) directly at checkout. This eliminates the need to open the bank app, copy codes, or enter passwords, drastically reducing shopping cart abandonment rates.
  
• Single Pix with Automatic Enrollment (Hybrid Journey): This is a strategic tool for acquiring recurring customers. The Orchestrator integrates the Automatic Pix enrollment journey (Journeys 3 and 4) within the single payment flow. This capitalizes on the moment of payment to convert a single transaction customer into a recurring subscriber, increasing revenue predictability with zero additional friction.

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3. Smart Recurrence: The Automatic Pix Engine

We are at the forefront of the new Pix frontier. The Orchestrator is the engine for the complete management of Automatic Pix, the intelligent evolution of automatic debit. This modality is designed to overcome the limitations of traditional methods, offering instantaneity, security, and flexibility.

The Bemobi Orchestrator enhances Automatic Pix with two central characteristics:

• Complete Lifecycle Management: We manage the entire recurrence flow, from enrollment to scheduling. This includes multiple enrollment journeys (Journeys 1-5) that are activated contextually: via QR Code (on physical or digital invoices), notifications (WhatsApp, RCS), or integrated into the single payment flow. This omnichannel flexibility is crucial for maximizing the customer adoption rate.
  
• Success Story (Sabesp): Sabesp uses the Bemobi Pay solution for Automatic Pix on its digital channels (WhatsApp, app, virtual agency). Our platform translates Sabesp's existing automatic debit patterns, a clear example of the ability to simplify enrollment without requiring deep changes to the company's legacy systems.

O Pix Automático é mais uma solução que a Sabesp desenvolveu para facilitar a vida do cliente. Estamos modernizando toda a jornada de atendimento e temos a expectativa de tornar a experiência mais ágil e digital possível.

Denis Maia, diretor-executivo de Clientes e Tecnologia da Sabesp

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4. Resilience and Revenue Intelligence

Where others see a payment failure, our Orchestrator sees a recovery opportunity. This intelligence layer is designed to ensure billing continuity, even in the face of instability or lack of balance.

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• Intelligent Routing (Business Continuity): Pix cannot stop. If a bank or PSP presents instability, the Orchestrator identifies the failure in real-time and automatically redirects the transaction to another healthy provider in our network. The end consumer does not notice the change, and the company does not lose the transaction.
  
• Smart Retry and Fallback (Revenue Recovery): When a payment fails (whether due to lack of balance, processing error, or in Automatic Pix), our AI engine triggers a smart recovery flow. It not only reprocesses the collection but decides on the best fallback channel (credit card, payment link via WhatsApp, single Pix) based on the customer's history, maximizing the chance of conversion.
  
• Pix Portability (Customer Retention): A failure in Automatic Pix should not mean the loss of a subscriber. Our platform offers an exclusive portability feature: if the recurring payment fails, we proactively initiate a new enrollment journey, allowing the user to simply switch financial institutions (bank), keeping the recurrence active.
  
• Anti-Duplication Intelligence (Control and Confidence): The Orchestrator monitors all payment channels. If an invoice scheduled in Automatic Pix is paid in advance through another means (such as a single Pix or boleto), the system identifies the payment and cancels the scheduling for that month. This prevents duplicate charges, reduces customer frustration, and eliminates operational support and refund costs.
  

The Strategic Impact on Pix Management

With over R$ 8 billion in TPV processed annually and the trust of over 1,500 companies in 60 countries, Bemobi understands the challenges of recurring services. The Pix Orchestrator is the answer to the increasing complexity of the market.

As Pedro Ripper, CEO of Bemobi, states, the evolution of Pix requires a new layer of intelligence:

Pix transformed the way we pay, but it still lacked transforming the way we manage those payments. The Orchestrator is born to simplify this process and ensure that Pix acts strategically, stably, and intelligently within companies. For us, it is not enough to offer payment via Pix, it is necessary to orchestrate it, eliminating all barriers

Source: Pedro Ripper, CEO of Bemobi, in an interview with Mobile Time (Outubro de 2025).

The true evolution of Pix for companies lies in the intelligence surrounding it — in the ability to guarantee revenue, predict failures, and adapt quickly.