Efí

Efí (formerly Gerencianet) is a Brazilian payment institution and digital bank that exposes well-documented public REST APIs for the Brazilian financial system - Pix (immediate and dated charges, send/receive, refunds, webhooks), Boletos and Charges (Cobranças), Carnê installment booklets, subscriptions and payment links, Pix via Open Finance, and account financial services. Pix and Open Finance APIs require OAuth2 client-credentials plus a mutual TLS (mTLS) client certificate as mandated by the Brazilian Central Bank; the Cobranças API uses OAuth2 without mTLS.

Efí publishes 7 APIs on the APIs.io network, including Authorization API, Carnê API, Cobranças API, and 4 more. Tagged areas include Payments, Pix, Boleto, Banking, and Brazil.

Efí’s developer surface includes authentication, documentation, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

35.5/100 thin ▬ flat Agent 24/100 agent aware Full breakdown ↓
scored 2026-08-24 · rubric v0.13.0

AccessPaidSelf serve

7 APIs

Payments Pix Boleto Banking Brazil Latin America Charges Digital Account Financial Infrastructure Fintech

Kin Score

Kin Score How this is scored →
scored 2026-08-24 · rubric v0.13.0

Composite quality — 35.5/100 · thin

Contract Quality 12.1 / 21

Developer Ergonomics 3.6 / 17

Access Clarity 6.7 / 17

Operational Transparency 3.5 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/efi-bank: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Rate Limits 1

Documented rate limits and quota policies.

Efi Bank Rate Limits

4 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: efi-bank
url: https://raw.githubusercontent.com/api-evangelist/efi-bank/refs/heads/main/apis.yml
name: Efí
kind: company
description: Efí (formerly Gerencianet) is a Brazilian payment institution and digital bank that exposes well-documented public
  REST APIs for the Brazilian financial system - Pix (immediate and dated charges, send/receive, refunds, webhooks), Boletos
  and Charges (Cobranças), Carnê installment booklets, subscriptions and payment links, Pix via Open Finance, and account
  financial services. Pix and Open Finance APIs require OAuth2 client-credentials plus a mutual TLS (mTLS) client certificate
  as mandated by the Brazilian Central Bank; the Cobranças API uses OAuth2 without mTLS.
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/efi-bank.png
tags:
- Payments
- Pix
- Boleto
- Banking
- Brazil
- Latin America
- Charges
- Digital Account
- Financial Infrastructure
- Fintech
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.23'
apis:
- aid: efi-bank:efi-bank-authorization-api
  name: Efí Authorization API
  description: OAuth2 client-credentials token endpoints (per host).
  humanURL: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  baseURL: https://pix.api.efipay.com.br
  tags:
  - Authorization
  properties:
  - type: OpenAPI
    url: openapi/efi-bank-authorization-api-openapi.yml
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-pix/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/webhooks
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-cobrancas/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/boleto
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/carne
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-open-finance/credenciais
- aid: efi-bank:efi-bank-carn-api
  name: Efí Carnê API
  description: Installment booklets. Host cobrancas.api.efipay.com.br, no mTLS.
  humanURL: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  baseURL: https://pix.api.efipay.com.br
  tags:
  - Carnê
  properties:
  - type: OpenAPI
    url: openapi/efi-bank-carn-api-openapi.yml
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-pix/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/webhooks
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-cobrancas/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/boleto
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/carne
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-open-finance/credenciais
- aid: efi-bank:efi-bank-cobran-as-api
  name: Efí Cobranças API
  description: Boleto / card / Pix charges. Host cobrancas.api.efipay.com.br, no mTLS.
  humanURL: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  baseURL: https://pix.api.efipay.com.br
  tags:
  - Cobranças
  properties:
  - type: OpenAPI
    url: openapi/efi-bank-cobran-as-api-openapi.yml
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-pix/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/webhooks
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-cobrancas/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/boleto
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/carne
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-open-finance/credenciais
- aid: efi-bank:efi-bank-open-finance-api
  name: Efí Open Finance API
  description: Pix payment initiation via Open Finance. Host openfinance.api.efipay.com.br, mTLS required.
  humanURL: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  baseURL: https://pix.api.efipay.com.br
  tags:
  - Open Finance
  properties:
  - type: OpenAPI
    url: openapi/efi-bank-open-finance-api-openapi.yml
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-pix/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/webhooks
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-cobrancas/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/boleto
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/carne
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-open-finance/credenciais
- aid: efi-bank:efi-bank-pix-charges-api
  name: Efí Pix Charges API
  description: Immediate (cob) and dated (cobv) Pix charges and payload locations. Host pix.api.efipay.com.br, mTLS required.
  humanURL: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  baseURL: https://pix.api.efipay.com.br
  tags:
  - Pix Charges
  properties:
  - type: OpenAPI
    url: openapi/efi-bank-pix-charges-api-openapi.yml
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-pix/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/webhooks
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-cobrancas/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/boleto
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/carne
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-open-finance/credenciais
- aid: efi-bank:efi-bank-pix-payments-api
  name: Efí Pix Payments API
  description: Received Pix, sent Pix, and refunds. Host pix.api.efipay.com.br, mTLS required.
  humanURL: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  baseURL: https://pix.api.efipay.com.br
  tags:
  - Pix Payments
  properties:
  - type: OpenAPI
    url: openapi/efi-bank-pix-payments-api-openapi.yml
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-pix/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/webhooks
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-cobrancas/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/boleto
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/carne
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-open-finance/credenciais
- aid: efi-bank:efi-bank-pix-webhooks-api
  name: Efí Pix Webhooks API
  description: Webhook registration for received-Pix notifications. Host pix.api.efipay.com.br, mTLS required.
  humanURL: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  baseURL: https://pix.api.efipay.com.br
  tags:
  - Pix Webhooks
  properties:
  - type: OpenAPI
    url: openapi/efi-bank-pix-webhooks-api-openapi.yml
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-pix/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/cobrancas-imediatas
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-pix/webhooks
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-cobrancas/credenciais
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/boleto
  - type: APIReference
    url: https://dev.efipay.com.br/docs/api-cobrancas/carne
  - type: Documentation
    url: https://dev.efipay.com.br/docs/api-open-finance/credenciais
common:
- type: AgenticAccess
  url: agentic-access/efi-bank-agentic-access.yml
- type: DomainSecurity
  url: security/efi-bank-domain-security.yml
- type: Authentication
  url: authentication/efi-bank-authentication.yml
- type: Website
  url: https://sejaefi.com.br
- type: Documentation
  url: https://dev.efipay.com.br
- type: LinkedIn
  url: https://www.linkedin.com/company/efibank
- type: Plans
  url: plans/efi-bank-plans-pricing.yml
- type: RateLimits
  url: rate-limits/efi-bank-rate-limits.yml
- type: FinOps
  url: finops/efi-bank-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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