Recurrence

Recurrence allows you to automatically charge a client at predefined intervals, without requiring a new payment action for each charge. This model is recommended for subscriptions, membership fees, service plans, and any product with recurring charges.

The Scheduled Recurrence feature is available in Checkout Cielo and Link de Pagamento, with different configuration and management options. With Scheduled Recurrence, the merchant only needs to define that a transaction should repeat, and Checkout executes it again at the configured interval.

Difference between recurring and installment transactions

Recurring transaction

The shopper's credit card limit is impacted only by the subscription amount for the selected period. Example:

Insurance subscription of BRL 100.00 charged monthly for one year
→ BRL 100.00 is charged each month.

Installment transaction

The total sale amount impacts the shopper's credit card limit. Example:

Sale of a refrigerator for BRL 2,000.00 paid in 10 installments of BRL 200.00
→ The total purchase amount (BRL 2,000.00) impacts the card limit, but only BRL 200.00 is charged on the statement each month.

Retries in recurring transactions

When a recurring transaction is declined, up to four retry attempts are automatically made within a four-day interval.

It is not possible to change the retry rules for recurrence, including the number of attempts and the interval between them.

To perform a retry attempt, the response code of the declined transaction must be considered reversible by the card brand.

Recurrence in Checkout Cielo

In Checkout Cielo, recurrence is created through the API.

To create a recurring charge, include the Payment.RecurrentPayment node in the request. The recurrence is created only if the first transaction is authorized.

You can configure the interval between recurring transactions using the Payment.RecurrentPayment.Interval field and define the recurrence end date using Payment.RecurrentPayment.EndDate.

Recurrence in Link de Pagamento

In Link de Pagamento, recurrence can be configured in three ways:

• via Cielo website: enable the Cobrança recorrente option when generating a Link de Pagamento.
• via Cielo app: fill in the fields marked as required for recurrences.
• via API: send the recurrent object in the request that creates a payment link, using the recurrent.interval and recurrent.enddate fields to configure the recurrence interval and define an end date.

Recurrence management

After creating a recurrence through Checkout Cielo or Link de Pagamento, you can monitor its status, update its information, or stop future charges when necessary:

Recurrence management operations are available through API and Cielo website:

• via Cielo website: see Recurrence Report to monitor, update, or deactivate recurrences;
• via API:
  • Get recurrent payment;
  • Update recurrent payment;
  • Deactivate recurrent payment.