The Impact of Bemobi Pay and Automatic Pix: Greater Efficiency, Conversion, and Resilience in Payments

At the heart of Brazil’s digital payments revolution, Bemobi stands as a key enabler, turning transactional complexity into a seamless and efficient experience.

Bemobi Pay takes Automatic Pix to the next level by natively integrating subscription journeys into its Smart Checkout, enabling complete orchestration that simplifies technical integration, user experience, and failure recovery.

Automatic Pix and the evolution of direct debit

Automatic Pix marks a qualitative leap in recurring payment management. Designed to overcome the limitations of traditional methods such as direct debit, this solution stands out through:

• Instantaneity and efficiency: Transactions are settled in real time, providing immediate visibility of cash flow and significantly reducing reconciliation times. This contrasts with the slower cycles of traditional direct debit.
• Enhanced security: In the Pix ecosystem, security is a top priority. Robust authentication and encryption protocols ensure the integrity of each transaction, minimizing fraud risks.
• Competitive costs: By streamlining the value chain and removing unnecessary intermediaries, Automatic Pix offers a more attractive fee structure, resulting in considerable savings for businesses.
• Operational flexibility: With faster scheduling and standardized settlement, it provides superior adaptability.
• Simplified subscription journeys: Unlike the complexity of direct debit, Automatic Pix introduces standardized subscription flows and a checkout process with tokenization, making authorization easier for the end user.

Read also: What is Automatic Pix and How Does It Work?

Bemobi Pay amplifies each of these advantages, transforming Automatic Pix into a powerful tool for recurring payments. Its Smart Checkout adapts subscription flows according to each customer’s profile, product, and context. Whether through a smart QR Code—seen by the user as a simple Pix payment—a notification, or an invitation, these subscription authorizations are frictionless for the end user.

Bemobi Pay & Automatic Pix: A Strategic Synergy

While Automatic Pix resolves the complexity of direct debit integration and makes adoption easier for end consumers, its true potential is unleashed when orchestrated intelligently with Bemobi Pay and other payment methods.

1. Flexible integration within the Pix ecosystem

Bemobi Pay turns Automatic Pix into a strategic tool, simplifying its integration and implementation for companies.

• Bemobi as Gateway: Bemobi Pay can act as a direct provider or as a gateway for the market’s main players, orchestrating all the bureaucratic aspects of Automatic Pix. This means companies do not need to prepare directly for Automatic Pix; Bemobi manages the connection with both payer and receiver PSPs.
• Standardized API and CNAB: Automatic Pix uses standardized APIs to schedule recurring charges. Bemobi Pay allows for the reuse of CNAB files already used for direct debit, drastically reducing implementation time and costs. This is a major benefit for companies, which can connect this new payment modality without deep changes to legacy systems by translating direct debit standards into messages compatible with the Automatic Pix ecosystem.

Bemobi acts as a direct provider or gateway, managing the entire payment network with over 800 financial institutions. This allows companies to manage recurring payments from a single control point, benefiting from an integration tailored to their technical reality and backed by a platform specialized in automatic and digital payments.

2. Optimized experience: Frictionless subscription journeys

One of Bemobi Pay’s key differentiators is its ability to simplify the customer experience through fully integrated subscription journeys for Automatic Pix. These can be activated via QR Code, WhatsApp, SMS, or RCS notifications, with flexibility depending on the product or customer type:

• Journey 1: Subscription Notification (via Payer PSP). Ideal for use in call centers or IVRs, where the customer provides banking details and receives a push notification in their banking app.
• Journey 2: QR Code Subscription for Recurrence (without immediate payment). Ideal for incentive campaigns via WhatsApp or RCS, and for onboarding processes. This QR Code can even be included on a physical bill.
• Journey 3: QR Code Payment & Subscription combined (1 step). Part of Bemobi Pay’s Smart Checkout integrated flows. The user pays and simultaneously activates Automatic Pix, authorizing future charges.
• Journey 4: QR Code Payment + Opt-in for Recurrence (2 steps). Also integrated into Smart Checkout. The user makes a payment and then receives a notification with the option to activate Automatic Pix with their bank.
• Journey 5: Multichannel Open Finance (ITP) (coming soon). This future flow will allow subscription without codes or QR codes, integrating Open Finance capabilities into the Automatic Pix engine.

This flexibility in subscription journeys and omnichannel activation is crucial to achieving a contextual, frictionless payment experience, allowing customers to choose the method and channel that best suits their needs. This simplifies the process and directly contributes to higher recurring payment conversion rates for businesses.

Sabesp’s implementation is a standout case of this flexibility and multichannel activation. Sabesp launched Automatic Pix payments initially through digital channels (WhatsApp, mobile app, virtual agency, and SmartPOS), with plans to expand to physical bills. Bemobi Pay’s solution translates Sabesp’s existing direct debit patterns into messages compatible with the Automatic Pix ecosystem, simplifying subscription without requiring deep changes to the company’s legacy systems.

Read more about Pix Automatic payments at Sabesp

3. Payment recovery with intelligence and resilience

When a payment fails—including Automatic Pix—Bemobi Pay activates its multichannel orchestration engine, which includes network tokenization, smart retries, and automatic fallback to alternative methods such as credit card or payment links. This engine, powered by Machine Learning, directs users to the best available payment alternatives:

• Credit (with or without installments)
• Debit
• Payment Link (leading to a checkout with all payment methods)
• Digital wallets such as Google Pay, Apple Pay, and Click to Pay
• Pix (one-time payment)
• Automatic Pix (Portability): This is an exclusive differentiator of Bemobi Pay. If an Automatic Pix fails, a new recurring payment subscription journey can be initiated, allowing the user to switch banks while maintaining the recurrence. This is known as “Automatic Pix Portability” and is not standard in the market.

Smart Retries:
Although Automatic Pix has its own retry mechanism (up to three attempts within 7 days after the due date), the activation of these retries depends on each company.

Thanks to AI and machine learning, Bemobi Pay evaluates in real time the best path to complete the charge, ensuring higher success rates and lower abandonment. In addition, communication is omnichannel, allowing outreach through the customer’s preferred channel—WhatsApp, email, or app.

Smart recovery: The ability to retry payments in an optimized and customizable way through an orchestrator substantially improves success rates in recurring collections.

4. Anti-Duplication Intelligence

Bemobi Pay provides a unique feature to prevent duplicate charges. As the Automatic Pix engine, it monitors payments made through other channels (one-time payments). If it detects that a bill scheduled under Automatic Pix has already been paid by another method, it cancels the scheduled recurring charge for that month to avoid double charging the customer.

5. Actionable insights and strategic vision

Bemobi Pay also delivers real-time analytics on recurring payment performance, including Automatic Pix, highlighting key business indicators: completed payments, failures, retries, and conversion rates.

With this information, companies can continuously optimize their collection strategies based on accurate data, ensuring an improved customer experience.

A complete Pix ecosystem

• Copy-and-Paste Pix (Static and Dynamic QR Codes): The foundation of Pix for instant payments. Bemobi Pay optimizes the generation and management of these QR codes, enabling easy integration across points of sale or digital platforms, from single transactions to variable-value payments with detailed metadata.
• Biometric Pix: Thanks to its partnership with Google, Bemobi quickly integrated biometric Pix functionality into its SDK, enabling clients to access this solution without additional development—only requiring a version update.

Read also: Bemobi and Google announce integration to bring Google Pay to the essential recurring services sector

This significantly enhances the user experience by allowing the entire payment process to take place within the operator's app, eliminating steps like copying and pasting the Pix code, switching apps to access the bank, and then returning.

Bemobi Pay: A Strategic Solution

The integration of Automatic Pix with Bemobi Pay positions Bemobi as an indispensable strategic partner, offering a real opportunity to turn recurring payment management into a competitive advantage. Companies in sectors such as utilities, telecommunications, education, and healthcare can benefit from a robust, agile solution designed to maximize revenue and simplify the customer experience.

For more information about Bemobi Pay + Automatic Pix, please fill out the form and we will contact you as soon as possible.