Business management · Pix Automático
The graduate, or whoever handles the payments, scans a QR Code in their banking app, reviews it and approves. From then on, each graduation installment is scheduled a few days before its due date and debited on the day, with no bank slip, no reminder and no copy-and-paste code. The company tracks who has authorized, what is scheduled, what came in and what the bank declined, all on the same Finance screen.
The problem and the fix
If any of these situations sounds familiar, it is because they happen in almost every graduation company, until the right system comes in.
Every month it is the same scramble: send the bank slip, send the PIX, remind whoever forgot and check who paid.
With Pix Automático, the payer authorizes once at their own bank and every following installment is debited on its due date. Anyone who signs up no longer needs a reminder.
The graduate wants to pay on time but forgets the date, and the installment goes late out of sheer distraction.
The debit is scheduled 3 to 10 days before the due date and the graduate gets an in-app notice when it is booked. On the day, the bank debits it without anyone having to remember.
The contract is in a parent's name, and the automatic billing tools on the market only work for the account holder on file.
During activation you can name another payer, with their name and CPF or CNPJ. They are the one who scans the QR Code and approves it at their own bank.
The graduate paid by bank slip and the automatic debit went through anyway: the money came in twice and nobody noticed.
Every debit that comes in is recorded. If the installment had already been paid another way, it shows as charged twice, with a warning at the top of the screen, so the team can review it and refund the payer.
The class renegotiated, and the new installments would mean asking every graduate for a fresh authorization.
With the no-end-date option, installments created later (renegotiations, Studio purchases) fall under the same authorization, without asking the payer for anything new.
In practice
Everyday situations at graduation companies, from the problem to the result, using the modules on this page.
A company with classes on 18 to 24 installments spent a good part of every month resending bank slips and checking payment receipts on WhatsApp.
The team turned on Pix Automático, chose the receiving account, tested the connection with the bank and enabled the activation button in the graduate app. Everyone who signed up had each installment scheduled ahead of its due date.
Graduates who authorized dropped out of the manual collection routine. The team now only follows what needs attention: declined debits, canceled authorizations and double charges.
A graduate with an overdue installment wanted to catch up and put the next ones on autopilot.
Using the activation option that pays the overdue installment and authorizes the next ones (currently at BTG Pactual), a single QR Code paid the late installment and set up the authorization for the rest.
One scan in the banking app took care of both the arrears and the future. No one-off bank slip and no second conversation.
A graduate's contract was under her mother's CPF, and the mother pays every installment.
During activation, the team marked the contract as being in someone else's name, entered the mother's name and CPF and generated the authorization QR Code for her.
The mother approved it in her banking app and her daughter's installments started being debited from the right account, with the record showing who the payer is.
How it works
Every step is a real module, and what comes out of one goes into the next without anyone typing it again.
Module by module
7 modules and 37 features on this page, all running on the same class, graduate and event records.
The company chooses where the money lands and checks with the bank before turning it on.
Frequency, lead time and what to do when funds are short, set once.
The authorization QR Code comes out of the system and is approved in the banking app.
Each open installment goes in one at a time, on the right schedule, with no duplicates.
Who signed up, what is scheduled and what came in, in numbers and in a list.
Money that came in is never lost, not even when it comes in twice.
The payer hears about every step, in plain language.
Compare the modules and choose the setup that fits your operation.