# FAQ

Common questions related to how Pix Automatico works.

### Creating an automatic PIX payment request

- **Does the authorization expire?**
  The recurring consent does not have an expiration date by default. If needed, you can define one by including the `expiresAt` field when creating the payment request. The initial Automatic PIX authorization attempt times out after 60 minutes if the payer does not complete it, and the `consentUrl` used for bank authorization expires after 5 minutes.

- **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 `minimumVariableAmount` and `maximumVariableAmount` 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 `maximumVariableAmount` when 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).

- **Can I change the receiver account?**
  Yes, you can do that in two ways:
  - Editing the existing recipient: [Update Payment Recipient](/reference/payment-recipient-update#/)
  - Creating and sending a new one when scheduling a payment: [Schedule Automatic PIX](/reference/payment-request-create-automatic-pix-schedule#/). The only restriction is that the new recipient must have the same CNPJ as the original recipient, otherwise, the payment will fail.

### 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 next Thursday (one payment per week). The same applies for other interval types (`MONTHLY`: same day every month, yearly).

- **How are the payment cycles calculated?**

  Depending on the selected interval type, the payment cycles are calculated differently, using the configured `startDate` as reference. Payments can be scheduled on any day between the start and end dates of each cycle (taking into account the previously mentioned D+2 and D+10 restrictions). For example:

  Consent start date: 20/12/2025

  - *WEEKLY*: A new cycle starts every 7 days
    - First cycle: 20/12/2025 - 26/12/2025
    - Second cycle: 27/12/2025 - 02/01/2026
    - Etc.
  - *MONTHLY*: A new cycle starts on the same day of each month. If the day does not exist in a specific month (for example, 31/04), the cycle starts on the last available day of that month (in this case, 30/04)
    - First cycle: 20/12/2025 - 19/01/2026
    - Second cycle: 20/01/2026 - 19/02/2026
    - Etc.
  - *QUARTERLY*: Same rules as *MONTHLY*, but every 3 months:
    - First cycle: 20/12/2025 - 19/03/2026
    - Second cycle: 20/03/2026 - 19/06/2026
    - Etc.
  - *SEMESTER*: Same rules as *MONTHLY*, but every 6 months:
    - First cycle: 20/12/2025 - 19/06/2026
    - Second cycle: 20/06/2026 - 19/12/2026
    - Etc.
  - *YEARLY*: Same rules as *MONTHLY*, but every 1 year:
    - First cycle: 20/12/2025 - 19/12/2026
    - Second cycle: 20/12/2026 - 19/12/2027
    - Etc.

- **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: [Cancel Automatic PIX Schedule](/reference/cancel-automatic-pix-schedule)

- **Can an automatic PIX consent be revoked?**
  Yes. See: [Cancel Automatic PIX Consent](/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 to implement retries?**

  There are two ways to implement retries:
  - Using the Pluggy's automatic retry system (recommended)
  - Implementing a custom retry flow. More info here: [How to Retry a Payment](/docs/getting-started-with-pix-automático#7-how-to-retry-a-payment)

- **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 (5 for weekly payments). 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.

  In order to retry a payment, it must have been successfully scheduled and then failed on the settlement date.

  > **Important: if you miss the 7-day window to schedule a retry, that payment can no longer be retried and you will not be allowed to schedule new payments during that period. Also, the 7 days window can be shorter if the payment cycle ends before that day.**