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Sunday, May 17, 2026
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dLocal Revolutionizes Pix Payments in Brazil With SmartPix, Enabling Unique ‘Pix on File’

dLocal, the leading cross-border payment platform specialized in emerging markets, today announced the launch of SmartPix, , a groundbreaking payment solution that enables merchants in Brazil to process tokenized Pix payments, including recurring and on-demand charges, without requiring customers to manually authorize each transaction.

While Pix has achieved widespread adoption in Brazil, it currently presents challenges for businesses relying on recurring or repeat transactions. The existing system requires users to manually authorize each payment individually, creating friction, particularly in subscription-based scenarios.

The Central Bank of Brazil has launched Pix Automático, which is designed to tackle the problem of recurring payments. Pix Automático is great for predictable payment schedules, well-suited for recurring payments with the same amount to the same merchant, such as streaming or music subscriptions. dLocal has also been enabling Pix Automático for merchants whose needs align with this model, having worked in a sandbox for the last months to optimize their onboarding.

dLocal’s SmartPix is the only solution to fill the gap between Pix and Pix Automatico, addressing the need for more flexible recurring and automated payments. With SmartPix, merchants can securely store customers’ Pix credentials, similar to card-on-file, and initiate charges in real time, even when the amounts vary. This fully tokenized, one-click Pix experience means no more QR codes, no repetitive approvals, and no checkout friction. The result is higher conversion for payments, better customer retention, and a dramatically improved user experience.

“With SmartPix, dLocal is unlocking the full potential of Pix for businesses that rely on repeat or dynamic transactions,” said Gabriel Falk, Product Manager at dLocal. “This product eliminates the need for users to approve every payment, allowing merchants to offer the kind of seamless, secure experience that modern consumers expect, and all within the regulatory framework of Brazil’s Open Finance environment.”

SmartPix, exclusively powered by dLocal, is a QR-free, frictionless payment experience for the end user, and is expected to achieve higher conversion and user retention. dLocal’s new solution excels in situations where the amount can vary each time, such as using it for ride-hailing or food delivery. It solves not only recurring payments but also on-demand merchant-initiated transactions that can have different ticket sizes and require no need to redo the checkout.

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