FAQ

Creating an automatic PIX payment request

• Does the authorization expire?
  By default, automatic PIX authorizations do not have an expiration date. However, if needed, you can define one by including the expiresAt field when creating the payment request.

• What are the fields fixedAmount, minimumVariableAmount and maximumVariableAmount?
  Note: The following applies only to scheduled payments and not to the first payment. For details on the first payment, see the next section “First Payment.”
  
  
  • If fixedAmount is provided, all scheduled payments associated with this payment request must have exactly that amount.
    
    
  • If minimumVariableAmountandmaximumVariableAmount are provided instead, each scheduled payment must have an amount within that range.
    Once the consent is authorized, these values cannot be modified.
    Important: Some institutions (for example, Nubank) allows to modify the maximumVariableAmountwhen the user authorizes the consent.

• What is the interval?
  This defines the payment frequency. For example, if the interval is set to MONTHLY, only one payment per month is allowed (excluding the first payment).
  The interval cannot be changed after the consent has been authorized.

• What happens if the description is not sent ?
  The institution sets a default description.

• What types of recipients can be configured in the payment request?
  Only businesses (CNPJ) can be configured as recipients for automatic Pix payments. The payer can be either an individual (CPF) or a business (CNPJ).

First payment

• Can the amount exceed or differ from the authorized limit?
  Yes. The first payment amount is independent of the authorized payment limits. For example, if the user authorized payments between R$100 and R$500, the first payment can still be R$2,000.

• When is this payment settled?
  The first payment can be settled at the moment or can be scheduled for another date.

• Is it considered part of the interval limits of the authorization?
  No. For example, if the user authorized one payment per month, the first payment doesn't affect that limit.

• Is it mandatory to configure a first payment?
  No, it is completely optional.

Scheduling a payment

• When can a payment be scheduled?
  After the payment request is authorized, payments can be scheduled between D+2 and D+10 from today, and only if the payment periodicity allows it.
  For example, if the periodicity is WEEKLY and a payment is scheduled for Thursday, a new payment can be scheduled starting from Sunday (one payment per week). The same applies for other interval types.

• What happens if the payment fails?
  See the "Retries" section.
• Can a scheduled payment be modified?
  No, once a payment is scheduled, it cannot be modified. If you need to change the date, amount or description, you must cancel it and schedule a new one.

Canceling payments and revoking consents

• Which payments can be cancelled?
  Only payments with the status SCHEDULED can be canceled. Once the payment is completed, it can only be refunded manually by the recipient. See: https://docs.pluggy.ai/reference/cancel-automatic-pix-schedule

• Can an automatic PIX consent be revoked?
  Yes. See: https://docs.pluggy.ai/reference/payment-request-cancel-automatic-pix-consent.
  After revoking consent, no new payments can be scheduled under that payment request. This process is asynchronous, so after receiving a response from that endpoint, a few seconds may pass until the consent is cancelled. All scheduled payments (except those to be settled on the same day as the cancellation) will also be cancelled.

Retries

• How many times does the bank try to execute the payment?
  The bank attempts to execute the payment twice
  
  
  • First attempt: Between 00:00 and 08:00 on the scheduled day.
    
    
  • Second attempt: If the first attempt fails (e.g., due to insufficient funds), a second attempt is made between 18:00 and 21:00 on the same day.
    After that, if the automatic PIX consent is configured to allow retries, up to three additional retry attempts can be made within a 7-day window (see: https://docs.pluggy.ai/reference/retry-automatic-pix-schedule). These retries must be submitted by 22:00 on the day before the new scheduled payment date. If the payment request does not allow retries or the maximum number of attempts is reached, the payment will receive an ERROR status and cannot be retried anymore.