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

The Efí catalog on APIs.io includes 1 Spectral governance ruleset.

Efí’s developer surface includes engineering blog, pricing, authentication, documentation, and 8 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

31.9/100 thin ▬ flat Agent 23/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessPaidSelf serve

1 published contract

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

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Open Finance

POST /v1/open-finance/payments/pix

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 31.9/100 · thin

Contract Quality 9.6 / 19

Developer Ergonomics 4.7 / 15

Access Clarity 5.1 / 15

Operational Transparency 0.7 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 0.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 23/100 · 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

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Developer Ergonomics scores 31.0 — up to +13.8 composite points Ask about this →
Access Clarity scores 34.0 — up to +13.2 composite points Ask about this →
Contract Quality scores 51.3 — up to +12.2 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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 the provider profile at artifacts.apis.io/efi-bank/apis.yml: open an issue on github.com/api-evangelist/efi-bank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Latin American Open Finance (Brazil OFB + Pix)	regulated	49.8	-	-
Brazil BCB Authorized Institutions (Banco Central do Brasil register beyond Pix)	regulated	49.8	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

Mutual TLS

measured — observed by APIs.io (declared)

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 8

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

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 8

Efí API pricing

Prices published by Efí, read 2026-09-20 from sejaefi.com.br/tarifas.

Plan	Price
Boleto, Bolix e folha de carnê pago - Recebimento	R$3,45 Includes: Emissão, baixa, cancelamento e boletos não pagos GRÁTIS
Antecipação de recebíveis — tarifa de borderô	4%*
Consulta Serasa	R$14,99 por relatório
Crédito à vista	3,49%
Crédito parcelado em até 12x	3,49% + 1,29%*
Crédito parcelado 2x a 6x	3,99%
Crédito parcelado 7x a 12x	4,39%
Pix pela API - Receber por QR Code dinâmico	1,19%

All 17 plans, limits and sources →

Rate limits

Pix API Requests: not published requests
Cobranças API Requests: not published requests
Pix Access Token Lifetime: 3600 seconds

Compiled by API Evangelist, not yet checked against Efí's documentation. All 4 limits →

Pricing Plans 2

Published pricing tiers and plan structures.

Efí Plans Pricing

17 plans

PLANS

Efí Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Efí Rate Limits

4 limits

RATE LIMITS

FinOps 1

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

Efí Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Efí API Rules

66 rules · 59 error-severity 4 warn-severity 3 info-severity

SPECTRAL

Security Posture 2

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

Efí Authentication

oauth2/mutualTLS · 2 schemes

SECURITY

Efí Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

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

Efí 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 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Blog

Blog

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
  gated: none
  gated_source:
  - onboarding
  label: Paid · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/efi-bank.png
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
tags:
- Payments
- Pix
- Boleto
- Banking
- Brazil
- Latin America
- Charges
- Digital Account
- Financial Infrastructure
- Fintech
created: '2026-07-12'
modified: '2026-10-06'
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:
- url: https://sejaefi.com.br/blog
  type: Blog
- type: Pricing
  url: https://sejaefi.com.br/tarifas
- 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

Efí API — frequently asked questions

Does Efí have an API?

Yes. APIs.io lists 7 APIs from Efí, including Efí Authorization API, Efí Carnê API and Efí Cobranças API, and 4 more.

Is there an OpenAPI specification for the Efí API?

Yes. APIs.io indexes 7 OpenAPI specifications for Efí, each linked for download from this page.

How do I authenticate with the Efí API?

Efí documents its authentication (oauth2/mutualTLS · 2 schemes). The details are profiled on APIs.io as Efí Authentication.

How much does the Efí API cost?

Efí publishes its prices; its Boleto, Bolix e folha de carnê pago - Recebimento plan is R$3,45 as of 2026-09-20. APIs.io lists 17 pricing plans for Efí, with each plan's price, limits and inclusions under Pricing on this page.

Is the Efí API ready for AI agents?

Efí has a Kin Score of 31.9 out of 100 (thin) and an Agent Readiness score of 23.3 (agent-aware), scored by API Evangelist on 2026-11-13.

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