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.
Efí Pay (Gerencianet) publishes 36 APIs on the APIs.io network, including Account API, Accounts API, Authorization API, and 33 more. Tagged areas include Payments, Pix, Boleto, Subscriptions, and Recurring Billing.
The Efí Pay (Gerencianet) catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.
Efí Pay (Gerencianet)’s developer surface includes authentication, developer portal, getting-started guide, developer console, signup flow, pricing, engineering blog, and 49 more developer resources.
Kin Score
APIs 36
Individual APIs this provider publishes, each with its own machine-readable definition.
Efí Pay (Gerencianet) Account API
The Account API from Efí Pay (Gerencianet) — 2 operation(s) for account.
Efí Pay (Gerencianet) Accounts API
The Accounts API from Efí Pay (Gerencianet) — 3 operation(s) for accounts.
Efí Pay (Gerencianet) Authorization API
The Authorization API from Efí Pay (Gerencianet) — 2 operation(s) for authorization.
Efí Pay (Gerencianet) Automatic Charges API
The Automatic Charges API from Efí Pay (Gerencianet) — 3 operation(s) for automatic charges.
Efí Pay (Gerencianet) Automatic Pix API
The Automatic Pix API from Efí Pay (Gerencianet) — 2 operation(s) for automatic pix.
Efí Pay (Gerencianet) Bill Payments API
The Bill Payments API from Efí Pay (Gerencianet) — 3 operation(s) for bill payments.
Efí Pay (Gerencianet) Biometric Pix API
The Biometric Pix API from Efí Pay (Gerencianet) — 2 operation(s) for biometric pix.
Efí Pay (Gerencianet) Card Payments API
The Card Payments API from Efí Pay (Gerencianet) — 3 operation(s) for card payments.
Efí Pay (Gerencianet) Carnets API
The Carnets API from Efí Pay (Gerencianet) — 12 operation(s) for carnets.
Efí Pay (Gerencianet) Charges API
The Charges API from Efí Pay (Gerencianet) — 12 operation(s) for charges.
Efí Pay (Gerencianet) Configuration API
The Configuration API from Efí Pay (Gerencianet) — 1 operation(s) for configuration.
Efí Pay (Gerencianet) Devolutions API
The Devolutions API from Efí Pay (Gerencianet) — 1 operation(s) for devolutions.
Efí Pay (Gerencianet) Due Charge Batches API
The Due Charge Batches API from Efí Pay (Gerencianet) — 2 operation(s) for due charge batches.
Efí Pay (Gerencianet) Due Charges API
The Due Charges API from Efí Pay (Gerencianet) — 2 operation(s) for due charges.
Efí Pay (Gerencianet) Immediate Charges API
The Immediate Charges API from Efí Pay (Gerencianet) — 2 operation(s) for immediate charges.
Efí Pay (Gerencianet) Immediate Pix API
The Immediate Pix API from Efí Pay (Gerencianet) — 2 operation(s) for immediate pix.
Efí Pay (Gerencianet) Locations API
The Locations API from Efí Pay (Gerencianet) — 3 operation(s) for locations.
Efí Pay (Gerencianet) MED Infractions API
The MED Infractions API from Efí Pay (Gerencianet) — 2 operation(s) for med infractions.
Efí Pay (Gerencianet) Notifications API
The Notifications API from Efí Pay (Gerencianet) — 1 operation(s) for notifications.
Efí Pay (Gerencianet) Participants API
The Participants API from Efí Pay (Gerencianet) — 1 operation(s) for participants.
Efí Pay (Gerencianet) Payment Links API
The Payment Links API from Efí Pay (Gerencianet) — 3 operation(s) for payment links.
Efí Pay (Gerencianet) Pix Keys API
The Pix Keys API from Efí Pay (Gerencianet) — 3 operation(s) for pix keys.
Efí Pay (Gerencianet) Pix Send API
The Pix Send API from Efí Pay (Gerencianet) — 6 operation(s) for pix send.
Efí Pay (Gerencianet) Plans API
The Plans API from Efí Pay (Gerencianet) — 3 operation(s) for plans.
Efí Pay (Gerencianet) QR Codes API
The QR Codes API from Efí Pay (Gerencianet) — 2 operation(s) for qr codes.
Efí Pay (Gerencianet) Receipts API
The Receipts API from Efí Pay (Gerencianet) — 1 operation(s) for receipts.
Efí Pay (Gerencianet) Received Pix API
The Received Pix API from Efí Pay (Gerencianet) — 2 operation(s) for received pix.
Efí Pay (Gerencianet) Recurring Pix API
The Recurring Pix API from Efí Pay (Gerencianet) — 11 operation(s) for recurring pix.
Efí Pay (Gerencianet) Reports API
The Reports API from Efí Pay (Gerencianet) — 2 operation(s) for reports.
Efí Pay (Gerencianet) Scheduled Pix API
The Scheduled Pix API from Efí Pay (Gerencianet) — 3 operation(s) for scheduled pix.
Efí Pay (Gerencianet) SFTP API
The SFTP API from Efí Pay (Gerencianet) — 1 operation(s) for sftp.
Efí Pay (Gerencianet) Splits API
The Splits API from Efí Pay (Gerencianet) — 6 operation(s) for splits.
Efí Pay (Gerencianet) Statement Files API
The Statement Files API from Efí Pay (Gerencianet) — 2 operation(s) for statement files.
Efí Pay (Gerencianet) Statement Schedules API
The Statement Schedules API from Efí Pay (Gerencianet) — 3 operation(s) for statement schedules.
Efí Pay (Gerencianet) Subscriptions API
The Subscriptions API from Efí Pay (Gerencianet) — 9 operation(s) for subscriptions.
Efí Pay (Gerencianet) Webhooks API
The Webhooks API from Efí Pay (Gerencianet) — 8 operation(s) for webhooks.
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Postman Collections 6
Ready-to-run Postman collections for exercising this provider's APIs.
Open Collections 6
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Efí Pay Cobranças API
OPEN COLLECTIONEfí Pay Contas (Account Opening) API
OPEN COLLECTIONEfí Pay Extratos (Statements) API
OPEN COLLECTIONEfí Pay Open Finance API
OPEN COLLECTIONEfí Pay Pagamentos (Bill Payment) API
OPEN COLLECTIONEfí Pay Pix API
OPEN COLLECTIONArazzo Workflows 12
Multi-step API workflows described with the Arazzo specification.
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.
ARAZZOScroll for all 12
Pricing Plans 1
Published pricing tiers and plan structures.
Rate Limits 1
Documented rate limits and quota policies.
Gerencianet Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals for API financial operations.
Gerencianet Finops
FINOPSFeatures 13
Notable capabilities this provider offers.
Pix API (Banco Central rated tier-1)
Cash-in / cash-out / immediate (cob) / due (cobv) / automatic (cobr) / recurring (rec) Pix flows.
Boleto and Bolix
Brazilian bank slips with optional next-business-day settlement (Bolix).
Carnê
Installment booklets — a single charge that emits a series of dated boletos.
Credit-Card Processing
Card transactions with installments up to 12x and antecipação.
Subscriptions and Plans
Recurring billing via the Cobranças API.
Payment Links
Shareable payment URLs requiring no merchant site.
Marketplace Splits
Automatic distribution of received funds across multiple Efí accounts.
Open Finance Payment Initiation
Initiate Pix payments from any participating Brazilian bank/fintech.
Programmatic Account Opening
Conta-simplificada accounts opened via API with auto-generated certificates and credentials.
Bill Payment Automation
Decode boleto barcodes and pay them from the account balance.
CNAB Statement Extraction
Scheduled CNAB statement files retrievable via API or SFTP.
MED Infraction Defense
Submit defenses for Pix infraction notices via /v2/gn/infracoes.
Webhooks With Optional mTLS Skip
Configurable Pix, recurring, and automatic-charge webhook delivery with replay endpoint.
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Semantic Vocabularies 1
JSON-LD contexts and semantic vocabularies used across these APIs.
Gerencianet Context
JSON-LDSpectral Rules 2
Spectral governance rulesets for linting and validating these APIs.
Efí Pay (Gerencianet) API Rules
SPECTRALEfí Pay (Gerencianet) API Rules
SPECTRALJSON Schema 3
Standalone JSON Schema definitions for this provider's data models.
JSON Structure 2
JSON Structure definitions describing this provider's data shapes.
Efi Cobrancas Charge Structure
JSON STRUCTUREEfi Pix Cob Structure
JSON STRUCTUREExamples 3
Example request and response payloads for these APIs.
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Use Cases 7
What developers build with this provider.
Brazilian E-Commerce Checkout
Accept boleto, Pix QR Code, and credit card via a single transparent checkout.
SaaS Subscription Billing
Charge recurring fees via plan + subscription on boleto or card.
Marketplace Disbursement
Split incoming Pix and boleto payments across multiple sellers.
White-Label BaaS / Sub-Account Onboarding
Open conta-simplificada accounts for partners and issue per-account credentials.
AP Automation
Pay supplier boletos via /codBarras and Pix Cash-Out via /v3/gn/pix.
Treasury Reconciliation
Pull daily CNAB statements + Pix reconciliation reports.
AI Agent Payments
Use the official MCP server (efipay/mcp-server-efi-bank) to expose Pix/billing as LLM tools.
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Integrations 8
Pre-built integrations with other platforms and tools.
WordPress / WooCommerce
Official plugin for WooCommerce checkout.
Magento 2
Official Magento 2 plugin.
PrestaShop
Official PrestaShop module.
OpenCart
Official OpenCart module.
WHMCS
Official WHMCS billing plugin.
n8n
Community/official n8n custom node (efipay/n8n-nodes-efibank).
Model Context Protocol
Official MCP server exposing Efí Pay APIs to LLM agents.
Banco Central do Brasil
Pix and Open Finance flows implement the BCB normative specifications.
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Solutions 3
Packaged solutions this provider offers.
Efí Pro
Account for self-employed individuals (no CNPJ required).
Efí Empresas
Digital business account for registered companies.
Efí Bank
Banco-rated institution providing Visa Platinum credit card and prepaid card issuance.
Resources
Get Started 4
Portal, sign-up, and the first successful call
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 15
Pagination, idempotency, versioning, errors, and events
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Build 22
SDKs, sample code, and the tooling you integrate with
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Access & Security 3
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 1
The organization behind the API