Pix integration with AI agents: collections and reconciliation
Pix is the instant payment method created by the Central Bank of Brazil, available 24 hours a day at banks and payment institutions. Companies use Pix to receive money from customers by QR code, key or due-date charge, and to pay suppliers. It is relevant if you sell or operate in Brazil. The agent creates Pix charges and confirms receipts through the Pix API of your company's bank or payment provider, with credentials and certificate from your own account.
What AI agents do with Pix
Pix copy-and-paste code in the chat
When the customer closes the order on WhatsApp, the agent creates a Pix charge with the amount and the order identifier and sends the QR code and the copy-and-paste code. As soon as the bank confirms, the order moves on to picking.
Automatic reconciliation of receivables
The agent reads incoming Pix payments by the charge identifier and marks the matching receivable as paid in the ERP. Payments with no identifier go to a reconciliation queue with a suggested customer.
Due-date charge for overdue customers
For overdue invoices, the agent creates a Pix charge with a due date, interest and late fee according to policy and sends it to the customer. Discount requests go through finance approval.
Refund with a double check
Pix refund requests reach the agent with the reason, and it checks the original payment and prepares the refund. Execution happens only after approval from someone with the authority.
Connect Pix once. The agents use it within your rules.
- Through the APIConnected through the app’s API: iTeam learns the endpoints from the documentation and the scope is confirmed in the diagnosis.
- Each agent gets the right accessYou decide what each agent can read or do in Pix, by area and by person.
- Human approval where it mattersSensitive actions wait until someone with the authority approves them.
- A trail and a cost for every actionWho asked, what the agent did in Pix and what it cost, all on record.
Ready-made AI teams for this work
Bank reconciliation team
Bank lines, Stripe payouts and ledger entries are matched each morning. You only see what did not match, with a reason.
Accounts payable team
Invoices arrive by e-mail and in shared folders. The team reads them, checks them and lines them up for your approval before the due date.
Collections team
Before and after each due date, customers get a clear reminder with a payment link. Disputes and promises to pay go to your team.
Cash flow forecast team
Every week the projection is rebuilt from your books, open invoices and bills, with a plain note on what changed and why.
Bookkeeping team
Transactions are categorized as they come in, receipts are matched, and the month-end close starts with a short list of questions.
Often used together with Pix
Questions about Pix and AI agents
Does iTeam integrate with Pix?
Yes, through the Pix API of your company's bank or payment institution. Pix has no single API: each bank gives its own customers access, with credentials and a certificate.
Can the agent make Pix payments on its own?
Not by default. Creating charges and checking receipts are allowed; any outgoing money, such as a payment or refund, requires approval from a person with the authority.
Which banks work?
Those that offer a Pix API for businesses, which includes the large banks and several digital banks. We confirm yours in the diagnosis.
