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 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

35.7/100 thin ▬ flat Agent 24/100 agent aware saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

AccessPaidSelf serve

1 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 35.7/100 · thin

Contract Quality 10.7 / 19

Developer Ergonomics 4.3 / 15

Access Clarity 5.9 / 15

Operational Transparency 3.1 / 10

Contract Governance 0.0 / 9

Discoverability 5.1 / 8

Regulatory Posture 2.3 / 15

Create-or-Update Ergonomics 0.0 / 10

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 7

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

Efí Authorization API

OAuth2 client-credentials token endpoints (per host).

Efí Carnê API

Installment booklets. Host cobrancas.api.efipay.com.br, no mTLS.

Efí Cobranças API

Boleto / card / Pix charges. Host cobrancas.api.efipay.com.br, no mTLS.

Efí Open Finance API

Pix payment initiation via Open Finance. Host openfinance.api.efipay.com.br, mTLS required.

Efí Pix Charges API

Immediate (cob) and dated (cobv) Pix charges and payload locations. Host pix.api.efipay.com.br, mTLS required.

Efí Pix Payments API

Received Pix, sent Pix, and refunds. Host pix.api.efipay.com.br, mTLS required.

Efí Pix Webhooks API

Webhook registration for received-Pix notifications. Host pix.api.efipay.com.br, mTLS required.

Scroll for all 7

Open Collections 9

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Efí (formerly Gerencianet) Payments Authorization API

OPEN COLLECTION

Efí (formerly Gerencianet) Payments Authorization Carnê API

OPEN COLLECTION

Efí (formerly Gerencianet) Payments Authorization Cobranças API

OPEN COLLECTION

Efí (formerly Gerencianet) Payments Authorization Open Finance API

OPEN COLLECTION

Efí (formerly Gerencianet) Payments Authorization Pix Charges API

OPEN COLLECTION

Efí (formerly Gerencianet) Payments Authorization Pix Payments API

OPEN COLLECTION

Efí (formerly Gerencianet) Payments Authorization Pix Webhooks API

OPEN COLLECTION

Efí (formerly Gerencianet) Payments API

OPEN COLLECTION

Scroll for all 9

Pricing Plans 1

Published pricing tiers and plan structures.

Efi Bank Plans Pricing

4 plans

PLANS

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.

Efi Bank Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Efi Bank Authentication

oauth2/mutualTLS · 2 schemes

SECURITY

Efi Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Efi Bank Agentic Access

34 operations · 22 acting

AGENTIC

Resources

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

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
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: CapabilityMap
  url: capabilities/efi-bank-capability-edges.yml
  name: Efí Business Capability Map
- 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

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/efi-bank"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/efi-bank/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/efi-bank/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.