Efí Pay (Gerencianet)
Efí Pay (formerly Gerencianet) is a Brazilian fintech and Banco Central-licensed payment institution headquartered in Belo Horizonte, Brazil. It provides a developer-first payments stack covering Pix (instant payments), Boleto / Bolix / Carnê (Brazilian bank slips), credit-card processing, recurring billing (assinaturas + carnês), marketplace splits, programmatic account opening (BaaS), Open Finance payment initiation, bill-payment automation, and CNAB statement extraction. The company rebranded from Gerencianet to Efí Pay / Efí Bank in 2022 and is rated at the top tier by Banco Central for its Pix API. The technical surface is exposed as five distinct REST APIs (Cobranças, Pix, Open Finance, Pagamentos, Contas) with twelve official SDKs plus e-commerce plugins.
APIs
Efí Pay Cobranças API
Brazilian billing API for boletos, Bolix (next-business-day boletos), carnês (installment booklets), payment links, credit cards, subscriptions, and marketplace splits. OAuth2 w...
Efí Pay Pix API
Banco Central Pix API plus Efí Pay extensions (Cash-Out, splits, MED, automatic and recurring Pix, statements, signed PDF receipts, webhooks). OAuth2 client_credentials with man...
Efí Pay Open Finance API
Open Finance Brasil payment-initiation flows — initiate, schedule, refund, and recur Pix payments from any participating bank/fintech directly inside your app. Requires mTLS, OA...
Efí Pay Contas (Account Opening) API
Open Brazilian conta-simplificada accounts programmatically for end-customers, generate per-account P12 certificates, retrieve generated API credentials, and listen for account ...
Efí Pay Pagamentos (Bill Payment) API
Decode a Brazilian boleto or utility-bill barcode (linha digitável) and schedule its payment from the Efí account balance, then track payment status through completion.
Efí Pay Extratos (Statements) API
Recurring CNAB (Brazilian banking text-file) statement extraction. Schedule jobs, list/download generated files, and provision SFTP keys for automated pickup.
Collections
Efí Pay Cobranças API
POSTMANEfí Pay Open Finance API
POSTMANEfí Pay Pix API
POSTMANEfí Pay Pix API
OPENArazzo Workflows
Efí Account Onboarding
Open a simplified Efí account, issue its certificate, and fetch its API credentials.
ARAZZOEfí Bill Payment by Bar Code
Decode a boleto bar code, pay it from the account, and reconcile the status.
ARAZZOEfí Boleto Charge Issue
Create a Cobranças charge, set the boleto payment method, and read its status.
ARAZZOEfí Card Charge Refund
Detail a Cobranças card charge, branch on its status, and refund it when paid.
ARAZZOEfí Pix Immediate Charge to QR Code
Create an immediate Pix charge, confirm it, and render its payable QR Code.
ARAZZOEfí Pix Charge Revise
Create a Pix charge under a fixed txid, check its status, and revise it while still active.
ARAZZOEfí Pix Charge Status and Refund
Detail a Pix charge, branch on its status, and refund the received Pix when paid.
ARAZZOEfí Pix Due Charge to QR Code
Create a Pix due charge with a due date, confirm it, and render its QR Code.
ARAZZOEfí CNAB Statement Schedule
Schedule a recurring CNAB statement job and confirm it is registered.
ARAZZOPricing Plans
Rate Limits
FinOps
Gerencianet Finops
FINOPSFeatures
Cash-in / cash-out / immediate (cob) / due (cobv) / automatic (cobr) / recurring (rec) Pix flows.
Brazilian bank slips with optional next-business-day settlement (Bolix).
Installment booklets — a single charge that emits a series of dated boletos.
Card transactions with installments up to 12x and antecipação.
Recurring billing via the Cobranças API.
Shareable payment URLs requiring no merchant site.
Automatic distribution of received funds across multiple Efí accounts.
Initiate Pix payments from any participating Brazilian bank/fintech.
Conta-simplificada accounts opened via API with auto-generated certificates and credentials.
Decode boleto barcodes and pay them from the account balance.
Scheduled CNAB statement files retrievable via API or SFTP.
Submit defenses for Pix infraction notices via /v2/gn/infracoes.
Configurable Pix, recurring, and automatic-charge webhook delivery with replay endpoint.
Use Cases
Accept boleto, Pix QR Code, and credit card via a single transparent checkout.
Charge recurring fees via plan + subscription on boleto or card.
Split incoming Pix and boleto payments across multiple sellers.
Open conta-simplificada accounts for partners and issue per-account credentials.
Pay supplier boletos via /codBarras and Pix Cash-Out via /v3/gn/pix.
Pull daily CNAB statements + Pix reconciliation reports.
Use the official MCP server (efipay/mcp-server-efi-bank) to expose Pix/billing as LLM tools.
Integrations
Official plugin for WooCommerce checkout.
Official Magento 2 plugin.
Official PrestaShop module.
Official OpenCart module.
Official WHMCS billing plugin.
Community/official n8n custom node (efipay/n8n-nodes-efibank).
Official MCP server exposing Efí Pay APIs to LLM agents.
Pix and Open Finance flows implement the BCB normative specifications.
Solutions
Account for self-employed individuals (no CNPJ required).
Digital business account for registered companies.
Banco-rated institution providing Visa Platinum credit card and prepaid card issuance.