Intelligent Pix
GET PAID in BRAZIL WITHOUT RELYING ON PAYER ACTION
Intelligent Pix runs automatic transfers between same-ownership accounts via Open Finance rails in Brazil. One consent, the exact amount, no friction on every charge.
Trusted by the leading financial innovators
Programmable transfers,
smarter cash flow
GET PAID WITHOUT PAYER ACTION
Transfers run automatically. Eliminate missed payments caused by forgetfulness.
EXACT AMOUNT, RIGHT ON TIME
Move the exact charge amount, with no rounding and no manual intervention.
ONE CONSENT, UNLIMITED TRANSFERS
Once consent is granted, there is no cap on the number of transfers, within Pix limits.
LOWER COST THAN CARDS AND BOLETO
Settlement via Pix removes card MDR fees and per-boleto issuance costs.
INTELLIGENT PIX USE CASES
Digital Wallets
Top up the wallet the moment funds arrive
Move funds from the user's bank account into the digital wallet automatically, on a schedule or triggered by low balance. More balance in the wallet, more transactions on your platform.
Loan Installments
Debit the installment straight from the borrower's account
Charge each installment from the borrower's main account on the due date, for the exact amount. Paired with Smart Collections, the debit runs when funds are available. Fewer missed payments, no boleto fees.
Investments
Automate recurring contributions
Move contributions from the client's bank account to their investment account, on the day and amount they define. More assets under management with contributions that need no reminders.
HOW INTELLIGENT PIX WORKS
SINGLE CONSENT
The user authorizes transfers once, via Open Finance.
SET AMOUNT AND TRIGGER
Configure recurring schedules or trigger through Smart Collections using balance data.
AUTOMATIC EXECUTION
The transfer runs between same-ownership accounts, with or without user action.
SETTLEMENT VIA PIX
The exact amount lands in the destination account in seconds, with real-time confirmation.
GET PAID WITH AUTOMATIC
TRANSFERS, NOT REMINDERS
CHARGING WITH REGULAR PIX, BOLETO, AND CARDS
- Manual Pix depends on payer initiative on every charge. Forgetfulness becomes delinquency.
- Automatic Pix, in case of a failed payment, offers only three retries.
- Boleto carries per-issuance costs, slow settlement, and low conversion on recurring charges.
- Credit cards charge MDR on every transaction, expire, and fail without warning.
- Transferências executadas automaticamente após um único
consentimento, sem depender do pagador. - Unlimited retries. Monitors the customer's account and executes the payment as soon as there is sufficient balance.
- The exact amount is debited at the right time, with settlement via Pix in seconds.
- No card MDR and no boleto fees. Paired with Smart Collections, the debit runs as soon as funds are available.
activate intelligent pix with
our infrastructure
Belvo is a Payment Initiation Service Provider (ITP) licensed by the Central Bank of Brazil. Intelligent Pix runs on the same infrastructure that processes Open Finance payments for payment companies, digital wallets, and credit fintechs.
ITP LICENSE
Operation regulated by the Central Bank of Brazil within Open Finance.
ONE API FOR PAYMENTS AND DATA
Initiate transfers and access balance data in the same integration.
CONSENT AND SECURITY
User authorization recorded and auditable, following Open Finance rules.
FAQ
Intelligent Pix is Belvo's infrastructure for automatic transfers between same-ownership accounts via Open Finance. After a single consent, the exact amount is moved between accounts held by the same person, with or without user action, and settled via Pix.
Intelligent Pix works in four steps: the user authorizes transfers once via Open Finance, you set the amount and trigger (a schedule or available balance), the transfer runs automatically between same-ownership accounts, and the amount settles via Pix in seconds. There is no new payer action on each charge.
Yes. Intelligent Pix runs within Open Finance, regulated by the Central Bank of Brazil, and Belvo operates as a licensed Payment Initiation Service Provider (ITP). Each transfer depends on a user-authorized consent that is recorded, auditable, and revocable at any time. Transfers happen only between same-ownership accounts, meaning accounts held by the same person.
Intelligent Pix works for digital wallet top-ups, loan installments, subscriptions and recurring fees, and recurring investment contributions. In every case, the transfer happens between same-ownership accounts, without relying on payer initiative on each charge.
RELATED CONTENT & DOCS
EASILY INTEGRATE PAYMENTS WITH BELVO
Learn how to integrate Intelligent Pix and other Open Finance solutions through our API.
GET TO KNOW SMART COLLECTIONS
Discover the product that identifies the right moment to charge using balance data and triggers debit via Smart Pix.
INTELLIGENT PIX: HOW IT WORKS IN DETAIL
Discover the product that identifies the right moment to charge using balance data and triggers debit via Smart Pix.