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Pix biometrics is a payment technology based on Open Finance that allows Pix transactions to be completed directly within a website or app checkout using biometric authentication on a mobile device, without QR codes, copy-and-paste payment codes, or redirection to banking apps.
This evolution brings Pix closer to the experience already offered by saved cards and digital wallets, making payments faster, simpler, and better integrated into the digital customer journey.
The feature is already integrated into Bemobi’s payment platform.
Pix biometrics is a feature built on Brazil’s Open Finance infrastructure that enables users to initiate and complete Pix payments directly within the checkout of a website or app using biometric authentication.
In the traditional Pix model, payments typically require several steps. Users copy a payment code or scan a QR code, open their banking app, confirm the transaction, and return to the original environment. While functional, this process introduces friction and increases the likelihood of checkout abandonment.
With Pix biometrics, payment initiation happens within the digital experience itself. The user selects Pix as the payment method, authorizes the transaction through Open Finance, and confirms the payment using biometric authentication on the device.
Everything happens directly in the checkout, without switching to banking apps.
By eliminating the copy-and-paste flow, Pix becomes closer to the experience offered by digital wallets and saved cards, making payments faster and more seamless for users.
Pix biometrics works through three main steps:
1. Payment method selection
The user selects Pix as the payment method in the checkout.
2. Consent through Open Finance
The customer authorizes payment initiation directly within the service experience.
3. Biometric authentication
The transaction is confirmed using biometric authentication on the device, without redirecting to a banking app.
This flow reduces steps and creates a payment experience fully integrated into the checkout.
The technology behind Pix biometrics is based on Brazil’s Open Finance infrastructure.
This model allows payments to be initiated directly within the digital journey of a service without redirecting users to their banking applications.
In practice, the solution coordinates three key stages:
When these steps happen within the same environment, payments become faster and more seamless.
The result is a smoother experience for consumers and less friction for companies.
Enabling Pix biometrics is only part of the solution.
In real-world payment environments, transactions are influenced by several factors such as consent limits set by users, bank-specific rules, and variations in authentication flows.
This is where payment orchestration becomes essential.
Integrated with Bemobi’s Payment Orchestrator, Pix biometrics allows the payment journey to automatically adapt when restrictions or failures occur, guiding users toward the best available payment alternative.
This intelligence helps companies maintain high conversion rates even in complex payment scenarios.
By reducing steps in the payment process, Pix biometrics directly impacts key performance indicators for companies operating digital payments.
Key benefits include:
For consumers, the benefit appears as a faster and simpler payment experience.
For companies, it means a more efficient payment journey integrated into everyday digital channels.
The feature is already available in Bemobi Smart Checkout and was initially launched with Sabesp, Brazil’s largest sanitation company.
The solution is expected to expand to other clients across sectors such as:
This evolution reinforces Bemobi’s role in bringing Open Finance innovations into real-world payment experiences.
For companies operating recurring payment models, payments are no longer just financial transactions.
They now play a central role in customer experience and revenue predictability.
By integrating multiple payment methods, digital channels, and technologies such as Pix and Open Finance, companies can:
This is where Bemobi operates: helping companies turn payments into a competitive advantage.
Pix biometrics is an Open Finance-based feature that allows Pix payments to be completed directly in the checkout of a website or app using biometric authentication on a mobile device.
With traditional Pix, users need to copy a payment code or scan a QR code and complete the payment in their banking app. With Pix biometrics, the payment happens directly in the checkout, without switching applications.
Companies that operate digital payments, especially those with recurring payment models, can integrate this feature to simplify their customers’ payment journeys.
Pix biometrics is part of Bemobi’s strategy to simplify and digitalize payments for recurring services companies.
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