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.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Efí Pay (Gerencianet) the way a machine reads it — 109 machine-readable artifacts across 36 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Efí Pay (Gerencianet) scores 65.7/100 (strong), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Efí Pay (Gerencianet)
Each block below is one kind of artifact we hold for Efí Pay (Gerencianet). For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 36
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
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.
Scroll within the panel for all 36 ·
Postman Collections 6
A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.
Ready-to-run Postman collections for exercising this provider's APIs.
Open Collections 6
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
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
Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.
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 within the panel for all 12 ·
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Gerencianet Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Gerencianet Finops
FINOPSFeatures 13
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
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.
Scroll within the panel for all 13 ·
Semantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Gerencianet Context
JSON-LDSpectral Rules 2
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Efí Pay (Gerencianet) API Rules
SPECTRALEfí Pay (Gerencianet) API Rules
SPECTRALJSON Schema 3
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
JSON Structure 2
JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.
JSON Structure definitions describing this provider's data shapes.
Efi Cobrancas Charge Structure
JSON STRUCTUREEfi Pix Cob Structure
JSON STRUCTUREExamples 3
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Use Cases 7
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
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.
Scroll within the panel for all 7 ·
Integrations 8
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
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.
Scroll within the panel for all 8 ·
Solutions 3
Packaged solutions the provider offers on top of the raw API surface.
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
Every other property we hold for Efí Pay (Gerencianet) — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
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
Scroll within the panel for all 15 ·
Build 22
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 22 ·
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
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