Efí · Rate Limits

Efi Bank Rate Limits

Efí does not publish fixed numeric per-endpoint rate limits in its public developer documentation. The Pix API operates under the Brazilian Central Bank (BACEN) Pix arrangement, whose DICT and Pix operational limits are set by BACEN and inherited by all participating PSPs rather than defined by Efí. OAuth2 access tokens are short-lived (Pix ~3600s / Cobranças ~600s), so clients must cache and refresh tokens rather than authorizing per request. Practical throughput is governed by the mandatory mTLS handshake (Pix / Open Finance), token lifetime, and BACEN-level Pix limits.

Efi Bank Rate Limits is the machine-readable rate-limit profile for Efí on the APIs.io network, conforming to the API Commons Rate Limits specification.

It captures 4 rate-limit definitions, measuring requests and seconds.

The profile also includes 4 backoff/retry policies defined and response codes documented for throttled.

Tagged areas include Payments, Pix, Boleto, Brazil, and Rate Limiting.

4 Limits Throttle: 429
PaymentsPixBoletoBrazilRate LimitingQuotas

Limits

Pix API Requests application
requests
not published
No fixed numeric request-rate limit is documented; subject to BACEN Pix operational limits.
Cobranças API Requests application
requests
not published
No fixed numeric request-rate limit is documented for the Charges API.
Pix Access Token Lifetime application
seconds
3600
Pix OAuth2 access token typically expires in 3600s; cache and reuse until expiry.
Cobranças Access Token Lifetime application
seconds
600
Cobranças OAuth2 access token typically expires in 600s; refresh via refresh_token.

Policies

Token Caching
Reuse the OAuth2 bearer token until expires_in elapses instead of requesting a new token per call; the token endpoints themselves are the most likely to be throttled if abused.
mTLS Handshake
Every Pix and Open Finance request must complete a mutual TLS handshake with the client certificate, adding per-connection overhead; reuse keep-alive connections to reduce it.
BACEN Pix Limits
Pix transaction values, schedules, and DICT key-lookup rates are governed by Brazilian Central Bank rules inherited by all PSPs, not by Efí-specific numeric API quotas.
Backoff Strategy
Implement exponential backoff with jitter and honor Retry-After on HTTP 429 responses.

Sources

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