QR code & Instant Payment

In the QR Code & Instant Payment journey, Yuno presents a single QR code that both charges the customer immediately and enrolls them for all future recurring payments in one seamless step. When the customer scans the QR, their banking app processes the first installment and simultaneously captures their consent for subsequent automated charges, removing the need for any additional approvals or manual input. After the initial scan and payment, each subsequent request is sent by the merchant via Yuno and validated automatically by the customer’s bank against the original consent, ensuring fast, reliable transfers without further customer interaction. This flow simplifies subscription management by combining enrollment and payment into a single user action.

Step 1: First payment and subscription creation

To initiate the flow, you must start with a standard Pix payment that also sets up the subscription. This generates a QR code or redirect screen for the customer to authorize the recurrence. Once paid, the subscription is created and a subscription_code is returned. You can define the frequency, availability window, and the amount type (fixed or variable) as part of the subscription payload.

Fields for subscriptions	Description
Frequency	Define the frequency at which subscription charges will occur — weekly, monthly, quarterly, half-yearly, or yearly — specifying the amount that needs to be charged for the next billing cycle.
Availability	The start and end dates of the subscription.
Amount	Define the value you will use for future payments of the subscription. Could be `FIXED` with a minimum value defined, or `VARIABLE` without an amount defined for future payments.

Keep in mind that the information defined in the subscription creation restricts the dates and values that can be used for future payments.

Example

{
  "amount": {
    "value": "100",
    "currency": "BRL"
  },
	"payment_method": {
        "type": "PIX_AUTOMATIC"
	},
	"subscription": {
    "frequency": {
      "type": "MONTH",
      "value": 1
    },
    "availability": {
      "start_at": "2025-05-23T20:17:30.277678Z",
      "finish_at": "2027-05-23T20:17:30.277678Z"
    },
    "amount": {
      "value": "100",
      "currency": "BRL",
      "type": "FIXED"
    }
  }
}

After the initial payment is confirmed, the customer has an active subscription, and you can begin scheduling future charges.

Step 2: Future payments

As defined by the central bank, payments must be created within a schedule window of 10 to 2 days before the scheduled billing date. Use the subscription_code to identify the recurrence in the payment creation.

Fields for future payments
`subscription_code`	ID of the subscription obtained in the first step.
`billing_date`	By specifying the `billing_date` object, the merchant can define the logic behind the exact date for the billing of the subscription.

Example

"workflow": "DIRECT",
"amount": {
  "value": "100",
  "currency": "BRL"
},
"payment_method": {
  "type": "PIX_AUTOMATIC",
},
"subscription": {
  "id": "cab9f0fe-2428-419b-8f9d-4b5efee8c1c8",
  "billing_date": {
    "type": "DAY",
    "day": 14
  }
}

If a recurring payment fails, it can be retried using a new payment request. Retries must occur within 7 days of the original billing date and are limited to 3 attempts per cycle.

Getting Started

Core Concepts

Using Yuno

Direct Integration Use Cases

Payment Features

Payouts and Disputes

Webhooks

Wallets

AI Capabilities

Security and Compliance

Plugins

Additional Services

Step 1: First payment and subscription creation

Step 2: Future payments

​Step 1: First payment and subscription creation

​Step 2: Future payments

Step 1: First payment and subscription creation

Step 2: Future payments