Efí Pay (Gerencianet)

aid: gerencianet
name: Efí Pay (Gerencianet)
description: >-
  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.
image: https://efipay.com.br/efi-logo.png
url: https://raw.githubusercontent.com/api-evangelist/gerencianet/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.18'
tags:
  - Payments
  - Pix
  - Boleto
  - Subscriptions
  - Recurring Billing
  - Marketplace
  - Split Payments
  - Open Finance
  - Banking as a Service
  - Account Opening
  - Bill Payment
  - CNAB
  - Brazil
  - Fintech
maintainers:
  - FN: Kin Lane
    email: info@apievangelist.com
    url: https://apievangelist.com
apis:
  - aid: gerencianet:efi-cobrancas
    name: Efí Pay Cobranças API
    tags:
      - Cobranças
      - Boleto
      - Bolix
      - Carnê
      - Credit Card
      - Subscriptions
      - Payment Links
      - Marketplace Split
    properties:
      - url: https://dev.efipay.com.br/docs/api-cobrancas/credenciais
        type: Documentation
      - url: https://dev.efipay.com.br
        type: APIReference
      - url: https://cobrancas.api.efipay.com.br/v1
        type: BaseURL
      - url: https://cobrancas-h.api.efipay.com.br/v1
        type: SandboxURL
      - url: openapi/efi-cobrancas-openapi.yml
        type: OpenAPI
      - url: json-schema/efi-cobrancas-charge-schema.json
        type: JSONSchema
      - url: json-structure/efi-cobrancas-charge-structure.json
        type: JSONStructure
      - url: examples/efi-cobrancas-onestep-example.json
        type: Example
    description: >-
      Brazilian billing API for boletos, Bolix (next-business-day boletos), carnês (installment booklets), payment
      links, credit cards, subscriptions, and marketplace splits. OAuth2 with HTTP Basic authentication;
      cobrancas-h.api.efipay.com.br for sandbox.
  - aid: gerencianet:efi-pix
    name: Efí Pay Pix API
    tags:
      - Pix
      - Cob
      - CobV
      - Cobr
      - Recurring Pix
      - Cash Out
      - Marketplace Split
      - MED
      - Reconciliation
    properties:
      - url: https://dev.efipay.com.br/docs/api-pix/credenciais
        type: Documentation
      - url: https://dev.efipay.com.br/docs/api-pix
        type: APIReference
      - url: https://pix.api.efipay.com.br
        type: BaseURL
      - url: https://pix-h.api.efipay.com.br
        type: SandboxURL
      - url: openapi/efi-pix-openapi.yml
        type: OpenAPI
      - url: json-schema/efi-pix-cob-schema.json
        type: JSONSchema
      - url: json-schema/efi-pix-pix-received-schema.json
        type: JSONSchema
      - url: json-structure/efi-pix-cob-structure.json
        type: JSONStructure
      - url: examples/efi-pix-create-cob-example.json
        type: Example
      - url: examples/efi-pix-send-example.json
        type: Example
    description: >-
      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 mandatory mutual TLS (P12 or PEM certificate) and
      granular scopes.
  - aid: gerencianet:efi-openfinance
    name: Efí Pay Open Finance API
    tags:
      - Open Finance
      - Payment Initiation
      - Pix
      - Biometric Pix
      - Automatic Pix
    properties:
      - url: https://dev.efipay.com.br/docs/open-finance
        type: Documentation
      - url: https://openfinance.api.efipay.com.br/v1
        type: BaseURL
      - url: https://openfinance-h.api.efipay.com.br/v1
        type: SandboxURL
      - url: openapi/efi-openfinance-openapi.yml
        type: OpenAPI
    description: >-
      Open Finance Brasil payment-initiation flows — initiate, schedule, refund, and recur Pix payments from any
      participating bank/fintech directly inside your app. Requires mTLS, OAuth2, and a 72-char x-idempotency-key per
      request.
  - aid: gerencianet:efi-contas
    name: Efí Pay Contas (Account Opening) API
    tags:
      - Account Opening
      - Banking as a Service
      - KYC
      - Conta-Simplificada
    properties:
      - url: https://dev.efipay.com.br/docs/abertura-de-contas
        type: Documentation
      - url: https://abrircontas.api.efipay.com.br/v1
        type: BaseURL
      - url: https://abrircontas-h.api.efipay.com.br/v1
        type: SandboxURL
      - url: openapi/efi-contas-openapi.yml
        type: OpenAPI
    description: >-
      Open Brazilian conta-simplificada accounts programmatically for end-customers, generate per-account P12
      certificates, retrieve generated API credentials, and listen for account lifecycle events.
  - aid: gerencianet:efi-pagamentos
    name: Efí Pay Pagamentos (Bill Payment) API
    tags:
      - Bill Payment
      - Boleto
      - Pagar Contas
    properties:
      - url: https://dev.efipay.com.br/docs/api-pagamentos
        type: Documentation
      - url: https://pagarcontas.api.efipay.com.br/v1
        type: BaseURL
      - url: https://pagarcontas-h.api.efipay.com.br/v1
        type: SandboxURL
      - url: openapi/efi-pagamentos-openapi.yml
        type: OpenAPI
    description: >-
      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.
  - aid: gerencianet:efi-extratos
    name: Efí Pay Extratos (Statements) API
    tags:
      - Statements
      - CNAB
      - Reconciliation
      - SFTP
    properties:
      - url: https://dev.efipay.com.br/docs/extrato-cnab
        type: Documentation
      - url: https://extratos.api.efipay.com.br/v1
        type: BaseURL
      - url: https://extratos-h.api.efipay.com.br/v1
        type: SandboxURL
      - url: openapi/efi-extratos-openapi.yml
        type: OpenAPI
    description: >-
      Recurring CNAB (Brazilian banking text-file) statement extraction. Schedule jobs, list/download generated files,
      and provision SFTP keys for automated pickup.
common:
  - type: PostmanWorkspace
    url: https://www.postman.com/kinlaneapi/ef-pay-gerencianet/overview
  - type: ArazzoWorkflows
    url: arazzo/
    workflows:
      - url: arazzo/gerencianet-account-onboarding-workflow.yml
        name: Efí Account Onboarding
        summary: Open a simplified Efí account, issue its certificate, and fetch its API credentials.
      - url: arazzo/gerencianet-account-webhook-setup-workflow.yml
        name: Efí Account Webhook Setup
        summary: Register an account-level webhook and verify it was stored.
      - url: arazzo/gerencianet-bill-payment-workflow.yml
        name: Efí Bill Payment by Bar Code
        summary: Decode a boleto bar code, pay it from the account, and reconcile the status.
      - url: arazzo/gerencianet-boleto-charge-issue-workflow.yml
        name: Efí Boleto Charge Issue
        summary: Create a Cobranças charge, set the boleto payment method, and read its status.
      - url: arazzo/gerencianet-card-charge-refund-workflow.yml
        name: Efí Card Charge Refund
        summary: Detail a Cobranças card charge, branch on its status, and refund it when paid.
      - url: arazzo/gerencianet-pix-charge-qrcode-workflow.yml
        name: Efí Pix Immediate Charge to QR Code
        summary: Create an immediate Pix charge, confirm it, and render its payable QR Code.
      - url: arazzo/gerencianet-pix-charge-revise-workflow.yml
        name: Efí Pix Charge Revise
        summary: Create a Pix charge under a fixed txid, check its status, and revise it while still active.
      - url: arazzo/gerencianet-pix-charge-status-refund-workflow.yml
        name: Efí Pix Charge Status and Refund
        summary: Detail a Pix charge, branch on its status, and refund the received Pix when paid.
      - url: arazzo/gerencianet-pix-due-charge-qrcode-workflow.yml
        name: Efí Pix Due Charge to QR Code
        summary: Create a Pix due charge with a due date, confirm it, and render its QR Code.
      - url: arazzo/gerencianet-pix-send-cashout-workflow.yml
        name: Efí Pix Cash-Out Send
        summary: Send a Pix payout to a key and confirm the outbound transfer status.
      - url: arazzo/gerencianet-pix-webhook-setup-workflow.yml
        name: Efí Pix Webhook Setup
        summary: Register a Pix webhook for a Pix key and verify it was stored.
      - url: arazzo/gerencianet-statement-schedule-workflow.yml
        name: Efí CNAB Statement Schedule
        summary: Schedule a recurring CNAB statement job and confirm it is registered.
  - url: https://sejaefi.com.br
    type: Portal
  - url: https://dev.efipay.com.br
    type: GettingStarted
  - url: https://app.efipay.com.br
    type: Console
  - url: https://sejaefi.com.br/cadastro
    type: SignUp
  - url: https://sejaefi.com.br/tarifas
    type: Pricing
  - url: https://sejaefi.com.br/termos-e-contratos
    type: TermsOfService
  - url: https://sejaefi.com.br/termos-e-contratos/politica-de-privacidade
    type: PrivacyPolicy
  - url: https://sejaefi.com.br/blog
    type: Blog
  - url: https://status.sejaefi.com.br
    type: StatusPage
  - url: https://sejaefi.com.br/central-de-ajuda
    type: Support
  - url: https://sejaefi.com.br/central-de-ajuda
    type: FAQ
  - url: https://github.com/efipay
    type: GitHubOrganization
  - url: https://discord.gg/efipay
    type: Discord
  - url: https://github.com/efipay/sdk-php-apis-efi
    type: SDK
    name: PHP SDK
  - url: https://github.com/efipay/sdk-node-apis-efi
    type: SDK
    name: Node.js SDK
  - url: https://github.com/efipay/sdk-python-apis-efi
    type: SDK
    name: Python SDK
  - url: https://github.com/efipay/sdk-java-apis-efi
    type: SDK
    name: Java SDK
  - url: https://github.com/efipay/sdk-go-apis-efi
    type: SDK
    name: Go SDK
  - url: https://github.com/efipay/sdk-ruby-apis-efi
    type: SDK
    name: Ruby SDK
  - url: https://github.com/efipay/sdk-dotnet-apis-efi
    type: SDK
    name: .NET SDK
  - url: https://github.com/efipay/sdk-typescript-apis-efi
    type: SDK
    name: TypeScript SDK
  - url: https://github.com/efipay/sdk-dart-apis-efi
    type: SDK
    name: Dart/Flutter SDK
  - url: https://github.com/efipay/sdk-delphi-apis-efi
    type: SDK
    name: Delphi SDK
  - url: https://github.com/efipay/Plugin-Wordpress-Efi
    type: Plugin
    name: WordPress / WooCommerce Plugin
  - url: https://github.com/efipay/Plugin-Magento2-Efi
    type: Plugin
    name: Magento 2 Plugin
  - url: https://github.com/efipay/prestashop-efi-module
    type: Plugin
    name: PrestaShop Module
  - url: https://github.com/efipay/opencart-efi-module
    type: Plugin
    name: OpenCart Module
  - url: https://github.com/efipay/whmcs-efi-module
    type: Plugin
    name: WHMCS Module
  - url: https://github.com/efipay/n8n-nodes-efibank
    type: Tool
    name: n8n Custom Node
  - url: https://github.com/efipay/mcp-server-efi-bank
    type: Tool
    name: MCP Server (Model Context Protocol)
  - url: https://github.com/efipay/js-payment-token-efi
    type: Tool
    name: Browser Card Tokenization Library
  - url: https://github.com/efipay/conversor-p12-efi
    type: Tool
    name: P12 to PEM Certificate Converter
  - url: https://github.com/efipay/mtls-webhook
    type: Tool
    name: mTLS Webhook Proxy (Nginx)
  - url: plans/gerencianet-plans-pricing.yml
    type: Plans
  - url: rate-limits/gerencianet-rate-limits.yml
    type: RateLimits
  - url: finops/gerencianet-finops.yml
    type: FinOps
  - url: rules/efi-rules.yml
    type: SpectralRules
  - url: vocabulary/gerencianet-vocabulary.yml
    type: Vocabulary
  - url: json-ld/gerencianet-context.jsonld
    type: JSON-LD
  - type: Features
    data:
      - name: Pix API (Banco Central rated tier-1)
        description: Cash-in / cash-out / immediate (cob) / due (cobv) / automatic (cobr) / recurring (rec) Pix flows.
      - name: Boleto and Bolix
        description: Brazilian bank slips with optional next-business-day settlement (Bolix).
      - name: Carnê
        description: Installment booklets — a single charge that emits a series of dated boletos.
      - name: Credit-Card Processing
        description: Card transactions with installments up to 12x and antecipação.
      - name: Subscriptions and Plans
        description: Recurring billing via the Cobranças API.
      - name: Payment Links
        description: Shareable payment URLs requiring no merchant site.
      - name: Marketplace Splits
        description: Automatic distribution of received funds across multiple Efí accounts.
      - name: Open Finance Payment Initiation
        description: Initiate Pix payments from any participating Brazilian bank/fintech.
      - name: Programmatic Account Opening
        description: Conta-simplificada accounts opened via API with auto-generated certificates and credentials.
      - name: Bill Payment Automation
        description: Decode boleto barcodes and pay them from the account balance.
      - name: CNAB Statement Extraction
        description: Scheduled CNAB statement files retrievable via API or SFTP.
      - name: MED Infraction Defense
        description: Submit defenses for Pix infraction notices via /v2/gn/infracoes.
      - name: Webhooks With Optional mTLS Skip
        description: Configurable Pix, recurring, and automatic-charge webhook delivery with replay endpoint.
  - type: UseCases
    data:
      - name: Brazilian E-Commerce Checkout
        description: Accept boleto, Pix QR Code, and credit card via a single transparent checkout.
      - name: SaaS Subscription Billing
        description: Charge recurring fees via plan + subscription on boleto or card.
      - name: Marketplace Disbursement
        description: Split incoming Pix and boleto payments across multiple sellers.
      - name: White-Label BaaS / Sub-Account Onboarding
        description: Open conta-simplificada accounts for partners and issue per-account credentials.
      - name: AP Automation
        description: Pay supplier boletos via /codBarras and Pix Cash-Out via /v3/gn/pix.
      - name: Treasury Reconciliation
        description: Pull daily CNAB statements + Pix reconciliation reports.
      - name: AI Agent Payments
        description: Use the official MCP server (efipay/mcp-server-efi-bank) to expose Pix/billing as LLM tools.
  - type: Integrations
    data:
      - name: WordPress / WooCommerce
        description: Official plugin for WooCommerce checkout.
      - name: Magento 2
        description: Official Magento 2 plugin.
      - name: PrestaShop
        description: Official PrestaShop module.
      - name: OpenCart
        description: Official OpenCart module.
      - name: WHMCS
        description: Official WHMCS billing plugin.
      - name: n8n
        description: Community/official n8n custom node (efipay/n8n-nodes-efibank).
      - name: Model Context Protocol
        description: Official MCP server exposing Efí Pay APIs to LLM agents.
      - name: Banco Central do Brasil
        description: Pix and Open Finance flows implement the BCB normative specifications.
  - type: Solutions
    data:
      - name: Efí Pro
        description: Account for self-employed individuals (no CNPJ required).
      - name: Efí Empresas
        description: Digital business account for registered companies.
      - name: Efí Bank
        description: Banco-rated institution providing Visa Platinum credit card and prepaid card issuance.