Recurring billing over Pix, with no bilateral agreement.
Recurring variable-amount debit, authorized once — an alternative to DDA and card-on-file, with settlement in any business account and lower defaults.
The best of direct debit. With the best of Pix.
Billing every month has always required a bilateral agreement or a saved card. Both break — and the invoice turns into default.
Bilateral agreement
Traditional direct debit (DDA) requires a bank-to-bank agreement. Slow to set up, narrow in reach.
Expiring cards
Card-on-file breaks when the card is replaced, expires or is blocked. Every failure is a lost charge.
Involuntary default
Most non-payment isn't lack of money — it's a broken rail. And manual re-billing is expensive.
One authorization. Flexible charges.
The customer authorizes the recurrence once. From then on, every charge schedules, executes and reconciles itself.
The customer authorizes once
They approve the recurrence in the bank app — fixed or variable amount, period and validity. A single authorization.
Charges schedule themselves
Each charge is scheduled 2 to 10 days before the due date, within the rules you defined.
The Pix lands in your account
On the due date, the debit is executed and received in any business account. If it fails, up to 3 retries within 7 days.
Configurable: period, amounts, limits, receiving account, retries.
Pix Automático (autopay) is end-to-end configurable — you tune each parameter to your billing use case.
Fixed or variable amount
Each charge for the right amount — a fixed subscription fee or the variable monthly invoice.
Period of your choice
Weekly, monthly, quarterly, semi-annually or annually — and billing on any date within the period.
Protective limits
Maximum amount per payment for the payer, minimum for the receiver. Defined or indefinite validity.
Automatic retry
At least 2 attempts on the same day; up to 3 more on different dates, within 7 days after the due date.
Settles in any business account
Receiving business account data flexible per charge — no BaaS, no banking lock-in.
One-time or recurring
Instant or scheduled payment, alongside the recurring schedule, on the same authorization.
Charge when there's balance. Maximum conversion.
With Bank Data, check the customer's balance before triggering the charge — and fire at the right moment.
Real-time Balance Check and the customer's full financial history — so you bill at the right moment and reduce defaults.
“Iniciador works alongside us on the most advanced Open Finance work in Brazil — from technical certification to the day-to-day operation of our products. It's the kind of partnership that makes a difference in a market still being built.”
“I know what it takes to build banking infrastructure from scratch — it took nine months at Guiabolso. With Iniciador, I had it solved in three days.”
Upgrade your billing portfolio.
Recurring variable-amount debit in 1 authorization — an alternative to DDA and credit cards, with settlement in any business account.