> ## Documentation Index > Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt > Use this file to discover all available pages before exploring further. # Authorize and pay with Pix Automático > As the payer's institution, accept a Pix Automático authorization request and pay its scheduled debits from a Midaz account, with Pix Lerian and Lerian SPI. Let your customer authorize a recurring Pix, and pay each scheduled debit from the customer's account. > [!NOTE] > > This flow is a suggested reading of the BACEN manuals for Pix. The manuals prevail over this page. Your institution, as the participant, validates the flow and implements it on the Lerian APIs. See [how to read the diagrams](https://docs.lerian.studio/en/diagrams/introduction.md). ## Participants *** * **Your institution.** The Pix participant of the payer. It shows each request to the payer and sends the payer's decision. * **Pix Lerian.** Keeps the authorizations and the scheduled debits of the payer. It debits the payer's account in Midaz on the settlement date. * **Midaz.** The ledger that holds the payer's account. * **Lerian SPI.** Exchanges the Pix Automático messages and the payments with SPI. * **SPI.** The BACEN instant payment system. It carries the messages of the receiver's institution and settles each payment. ## Before you start *** * The payer's account exists in Midaz, is active, and has a holder. * Your backend checks that the payer can use the account. Send that account in `X-Account-Id`. See [Use Pix Automático with Pix Lerian](https://docs.lerian.studio/en/interfaces/pix-lerian/pix-lerian-pix-automatico.md). * Your systems receive the Pix Lerian events. See [Pix Lerian events](https://docs.lerian.studio/en/interfaces/pix-lerian/pix-lerian-events.md). ## Diagram *** ### Authorize ![Authorize and pay with Pix Automático: Authorize](https://mintcdn.com/lerian-49cb71fc/qgZtW0Vn3HlCLdfR/images/en/d2/id-authorize-and-pay-pix-automatico-1.svg?fit=max\&auto=format\&n=qgZtW0Vn3HlCLdfR\&q=85\&s=0a5706681ca0a7dd4788c49770f55517) | # | From | To | Message | Lerian API | What happens | | - | - | - | - | - | - | | 1 | SPI | Lerian SPI | `pain.009` | | The receiver's institution asks for an authorization. | | 2 | Lerian SPI | Pix Lerian | Internal call | | Lerian SPI passes the request to Pix Lerian. | | 3 | Pix Lerian | Pix Lerian | Internal step | | Pix Lerian finds the payer's account. | | 4 | Pix Lerian | Your institution | Lerian API | Event `pix_auto_request.received` | The request waits for the payer's decision. Read it with [`GET /payer/authorization-requests/{authorization_request_id}`](https://docs.lerian.studio/en/reference/interfaces/pix-lerian/pix-automatico/get-authorization-request). | | 5 | Your institution | Your institution | Internal step | | Show the request to the payer, and get the decision. | | 6 | Your institution | Pix Lerian | Lerian API | [`POST /payer/authorization-requests/{authorization_request_id}/decide`](https://docs.lerian.studio/en/reference/interfaces/pix-lerian/pix-automatico/decide-authorization-request) | Send `decision` `ACCEPT`, with the payer's parameters if any. Send the `X-Idempotency` header. | | 7 | Pix Lerian | Your institution | Lerian API | Response to step 6 | Pix Lerian answers `202` with the request in `ACCEPTED` and the `authorizationId`. The authorization is `AWAITING_CONCLUSION`. Pix Lerian publishes `pix_auto_authorization.granted` and `pix_auto_authorization.awaiting_conclusion`. | | 8 | Pix Lerian | Lerian SPI | Internal call | | Pix Lerian sends the acceptance. | | 9 | Lerian SPI | SPI | `pain.012` | | Lerian SPI sends the acceptance to the receiver's institution. | | 10 | SPI | Lerian SPI | `pain.012` | | The receiver's institution concludes the authorization. | | 11 | Lerian SPI | Pix Lerian | Internal call | | Lerian SPI passes the conclusion to Pix Lerian. | | 12 | Pix Lerian | Your institution | Lerian API | Event `pix_auto_authorization.concluded` | The event carries the outcome. With `APPROVED`, the authorization is active. | ### Pay the scheduled debits ![Authorize and pay with Pix Automático: Pay the scheduled debits](https://mintcdn.com/lerian-49cb71fc/qgZtW0Vn3HlCLdfR/images/en/d2/id-authorize-and-pay-pix-automatico-2.svg?fit=max\&auto=format\&n=qgZtW0Vn3HlCLdfR\&q=85\&s=a3d35ef374a8a650fc76ba60b850bd3e) | # | From | To | Message | Lerian API | What happens | | - | - | - | - | - | - | | 1 | SPI | Lerian SPI | `pain.013` | | The receiver's institution sends the instruction for one debit. | | 2 | Lerian SPI | Pix Lerian | Internal call | | Lerian SPI passes the instruction to Pix Lerian. | | 3 | Pix Lerian | Pix Lerian | Internal step | | Pix Lerian checks the instruction against the authorization, and schedules the debit. | | 4 | Pix Lerian | Lerian SPI | Internal call | | Pix Lerian accepts or refuses the instruction. | | 5 | Lerian SPI | SPI | `pain.014` | | Lerian SPI sends the answer to the receiver's institution. | | 6 | Pix Lerian | Pix Lerian | Internal step | | On the settlement date, between 00:00 and 08:00, Pix Lerian starts the debit. | | 7 | Pix Lerian | Midaz | Internal call | | Pix Lerian debits the payer's account. The transaction credits `@external/BRL`. | | 8 | Pix Lerian | Lerian SPI | Internal call | | Pix Lerian sends the payment. | | 9 | Lerian SPI | SPI | `pacs.008` | | Lerian SPI sends the payment order to SPI. | | 10 | SPI | Lerian SPI | `pacs.002` | | SPI reports the settlement or the rejection of the payment. | | 11 | Lerian SPI | Pix Lerian | Internal call | | Lerian SPI passes the result to Pix Lerian. | | 12 | Pix Lerian | Midaz | Internal call | | Only for a rejected payment: Pix Lerian reverts the debit with a new reverse transaction. | | 13 | Pix Lerian | Your institution | Lerian API | Event `outbound_transfer.completed` | The transfer has `initiationType` `AUTO`. For a rejected payment, the event is `outbound_transfer.rejected`. | ## Rules *** ### Authorize * To refuse, send `decision` `REJECT` with `rejectionReason`. Pix Lerian publishes `pix_auto_request.rejected`. The receiver's institution does not answer a rejection. * When no conclusion arrives within one hour, Pix Lerian publishes `pix_auto_authorization.conclusion_timed_out`. The authorization still waits for the conclusion. ### Pay the scheduled debits * Pix Lerian refuses an instruction above the maximum amount of the payer (`AM02`), or one that differs from a fixed amount (`AM09`). * List the scheduled debits with [`GET /payer/scheduled-payments`](https://docs.lerian.studio/en/reference/interfaces/pix-lerian/pix-automatico/list-scheduled-payments). * The payer can cancel one scheduled debit with [`POST /payer/scheduled-payments/{scheduled_payment_id}/cancel`](https://docs.lerian.studio/en/reference/interfaces/pix-lerian/pix-automatico/cancel-scheduled-payment) until 00:00 of the settlement date. The authorization stays active. * When the window of 00:00 to 08:00 closes without a settlement, Pix Lerian publishes `pix_auto_scheduled_payment.settlement_deferred`. It tries again on the same day, between 18:00 and 21:00. * The times on this page are in the America/Sao\_Paulo time zone. ## How you know it finished *** * **Authorize.** Pix Lerian publishes `pix_auto_authorization.concluded` with `APPROVED`. * **Pay the scheduled debits.** For each debit, Pix Lerian publishes `outbound_transfer.completed` with `initiationType` `AUTO`. ## What can go wrong *** | Situation | What you see | What to do | | - | - | - | | The conclusion does not arrive within one hour. | Event `pix_auto_authorization.conclusion_timed_out`. | Tell the payer that the authorization is not active yet. | | The cancellation of a debit arrives at or after 00:00 of the settlement date. | `409`, code `PIX-0825`. | The debit stays scheduled. | | The debit did not settle that day, and the authorization allows more attempts. | Event `pix_auto_scheduled_payment.settlement_retry_permitted`. | Tell the payer that more attempts can follow in the next days. | | The debit did not settle that day, and the authorization allows no more attempts. | Event `pix_auto_scheduled_payment.settlement_failed`. | Tell the payer that Pix Automático did not pay this debit. | | The answer to a call does not arrive. | No answer, or a timeout. | Send the same call again with the same `X-Idempotency` key. | ## Related *** * [Send and receive Pix](https://docs.lerian.studio/en/diagrams/native-rails/send-and-receive-pix.md) * [Use Pix Automático with Pix Lerian](https://docs.lerian.studio/en/interfaces/pix-lerian/pix-lerian-pix-automatico.md) This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.