Efí · FinOps Profile

Efi Bank Finops

FinOps view of Efí (formerly Gerencianet) spend. Unlike a SaaS API where you pay per API call or per seat, Efí is a payment institution: its APIs are free to call, and cost is incurred PER SETTLED TRANSACTION. The dominant cost drivers are (1) Pix received via API, billed as a percentage of the transaction (~1.19% advertised standard), (2) boletos and carnê parcels, billed a fixed confirmation fee only when paid (~R$3.45 advertised), and (3) Pix Automático settlements (~R$3.50 advertised). Generating charges, opening the account, and holding credentials cost nothing. All amounts are in BRL and are unreconciled - these are per-transaction payment tariffs, not cloud/API metering, and they vary by negotiated volume.

Efi Bank Finops is the FinOps profile for Efí on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 4 billable meters, billed in BRL, on a per transaction cycle, and pricing category usage-based.

The profile maps 8 FOCUS columns for cost-allocation reporting.

Tagged areas include Payments, Pix, Boleto, Brazil, and Financial Infrastructure.

Category: Financial Services and Payments Pricing: Usage-Based Billing: Per Transaction FOCUS v1.3
PaymentsPixBoletoBrazilFinancial InfrastructureFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsagePurchase

FOCUS Columns

BillingCurrency
BRL
ChargeCategory
Usage
InvoiceIssuerName
Efí (Instituição de Pagamento)
PricingCategory
Usage-Based
ProviderName
Efí
PublisherName
Efí
ServiceCategory
Financial Services and Payments
ServiceName
Efí Payments APIs

Meters

pix_received
Unit: transactions
Pix received via API (Cob / CobV), billed as a percentage of the transaction value (~1.19% advertised; unreconciled).
boleto_settled
Unit: transactions
Boletos and carnê parcels actually paid, each billed a fixed confirmation fee (~R$3.45 advertised; unreconciled). Generation is free.
pix_automatico_settled
Unit: transactions
Automatic Pix settlements, billed a fixed fee per liquidated Pix (~R$3.50 advertised; unreconciled).
open_finance_initiation
Unit: transactions
Pix payments initiated via Open Finance as a payment initiator; pricing negotiated per partner.

Sources

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