# Efí Pay (Gerencianet) **Canonical:** https://apis.io/providers/gerencianet/ **Website:** https://sejaefi.com.br **APIs profiled:** 36 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. ## Kin Score — 71.0 / 100 (exemplar) Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 71.0). | Facet | Score | |---|---| | Discoverability | 55.6 | | Contract Quality | 62.2 | | Governance | 69.7 | | Contract Governance | 69.7 | | Operational Transparency | 52.6 | | Developer Ergonomics | 69.0 | | Commercial Clarity | 84.2 | | Access Clarity | 84.2 | Regulatory layer — **Banking & Open Finance**: 58.2 (matched via tags). ## Agent readiness — 31.1 (agent-aware) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | documented | | MCP Server | no | | Auth Clarity | yes | | Idempotency | no | | Error Semantics | no | | OpenAPI Examples | no | | Rate Limit Signal | documented | | Event Surface Described | no | | Agent Skills | no | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | ## Access Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high). ## APIs (36) - **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. ## Agentic access (1) - **Gerencianet Agentic Access** — 173 operations · 112 acting · 1 human-in-the-loop ## Security (2) - **Gerencianet Authentication** — oauth2 · 1 scheme - **Gerencianet Domain Security** — TLSv1.3 · DNSSEC · DMARC ## Plans (1) - **Gerencianet Plans Pricing** ## Use cases (7) - **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. ## Tags Payments, Pix, Boleto, Subscription, Recurring Billing, Marketplace, Split Payments, Open Finance, Banking as a Service, Account Opening, Bill Payments, CNAB, Brazil, Fintech --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/gerencianet/). Scores are computed from the provider's own public artifacts under a published rubric.