Fluxo Completo - Crédito Novo e Refinanciamento Puro
Atenção!
Os webhooks da QI Tech não devem ser mapeadas de forma restrita. Campos adicionais podem ser incluídos aos payloads dos webhooks retornados em nossas APIs.
Reenvio de Webhooks
Você pode consultar e reenviar webhooks seguindo as instruções detalhadas na documentação: Reenvio de Webhooks.
Duração de Termo de Autorização
O termo de autorização tem validade de 30 dias após a assinatura. Durante o periodo hábil, é possível consultar os dados do benefício sem reenviar autorização do cliente.
1 - Consulta da lista de benefícios com formalização do Termo de Autorização realizada através do parceiro:
Request
Caso 1: Titular do benefício é o assinante do Termo de Autorização.
ENDPOINT
/social_security/benefits_requestMÉTODO
POSTRequest Body
{
"document_number": "14950479032",
"authorization_term": {
"document_number": "14950479032",
"signature": {
"signer": {
"name": "Maria da Silva",
"email": "maria.silva@email.com",
"phone": {
"number": "999538380",
"area_code": "11",
"country_code": "55"
},
"document_number": "87237271016"
},
"authentication_type": "opt_in",
"authenticity": {
"timestamp": "2024-11-07T14:28:23.382748Z",
"ip_address": "179.145.48.219",
"fingerprint": {},
"third_party_additional_data": {},
"session_id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890"
},
"signed_object": {
"document_key": "93a0f18b-f58f-4a22-ab63-2b796cbf7383"
}
}
}
}
Caso 2: Titular do benefício não é o assinante do Termo de Autorização (com representante legal).
ENDPOINT
/social_security/benefits_requestMÉTODO
POSTRequest Body
{
"document_number": "14950479032",
"authorization_term": {
"document_number": "14950479032",
"legal_representative_document_number": "87237271016",
"signature": {
"signer": {
"name": "Maria da Silva",
"email": "maria.silva@email.com",
"phone": {
"number": "999538380",
"area_code": "11",
"country_code": "55"
},
"document_number": "87237271016"
},
"authentication_type": "opt_in",
"authenticity": {
"timestamp": "2024-11-07T14:28:23.382748Z",
"ip_address": "179.145.48.219",
"fingerprint": {},
"third_party_additional_data": {},
"session_id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890"
},
"signed_object": {
"document_key": "93a0f18b-f58f-4a22-ab63-2b796cbf7383"
}
}
}
}
Atenção
Nos casos em que houver representante legal, é necessário preencher o campo "legal_representative_document_number" com o CPF do representante legal, e os dados do objeto "signer" devem ser preenchidos com os dados do mesmo.
"document_key": utilizar a GUID retornada no endpoint /upload
Ao invés da chave do documento pdf assinado no objeto "authorization_term.signed_object.document_key", também é possível enviar o texto corrido do Termo de Autorização, através do objeto "authorization_term.signed_object.raw_text".
Response
ENDPOINT
/social_security/benefits_requestMÉTODO
POSTResponse Body
{
"benefits_request_key": "\<GUID DA CONSULTA DE BENEFÍCIO\>",
"status": "pending_search"
}
Em caso de sucesso na consulta da lista de benefícios:
Webhooks
WEBHOOK_TYPE
social_security_benefits_requestSTATUS
SuccessWebhook Body
{
"webhook_type": "social_security_benefits_request",
"key": "\<GUID benefits_request_key\>",
"event_datetime": "\<DATA E HORA DO ENVIO DO WEBHOOK\>",
"status": "success",
"data": [{
"benefit_number": "\<No. DO BENEFÍCIO\>",
"benefit_status": "inelegible",
"grant_date": "2023-06-13"
}]
}
| Campo | Descrição | Valores |
|---|---|---|
| benefit_status | Status do beneficio | Enumeradores |
Em caso de falha na consulta da lista de benefícios
WEBHOOK_TYPE
social_security_benefits_requestSTATUS
FailureWebhook Body
{
"webhook_type": "social_security_benefits_request",
"key": "\<GUID benefits_request_key\>",
"event_datetime": "\<DATA E HORA DO ENVIO DO WEBHOOK\>",
"status": "failure",
"data": {
"enumerator": "not_found_legal_representative",
"description": "no legal representative for the beneficiary"
}
}
Detalhamento de campos no webhook de falha
| Campo | Descrição | Valores |
|---|---|---|
| enumerator | Retorno mapeado do código Dataprev | Enumeradores |
Simulando cenários de sucesso e insucesso na consulta de benefício em Sandbox:
A simulação de cenários é baseado no primeiro dígito do CPF informado na operação.
11.1. Para CPFs iniciados com o número 1, será retornado uma resposta assíncrona de sucesso através do Webhook.
11.2. Para os demais CPFs, será retornado uma resposta assíncrona de erro, baseado no primeiro dígito do CPF digitado, de acordo com a tabela abaixo.
| Início do CPF | Enumerador | Descrição |
|---|---|---|
| 2 | inexistent_beneficiary | no beneficiary found |
Atenção
Todos os CPFs que não tiverem um cenário mapeado para o primeiro dígito, receberão um webhook com um erro padrão de cenário de teste não mapeado.
| Enumerador | Descrição |
|---|---|
| mock_error | Informed document number is not a valid mock on test environment |
2 - Consulta de dados do benefício:
Caso 1
Consulta de dados do benefício com o Termo de Autorização previamente enviado.
Request
ENDPOINT
/social_security/balance_requestMÉTODO
POSTRequest Body
{
"document_number": "14950479032",
"benefit_number": "22255220"
}
Response
ENDPOINT
/social_security/balance_requestMÉTODO
POSTResponse Body
{
"balance_request_key": "\<GUID DA CONSULTA DE DADOS DO BENEFÍCIO\>",
"status": "pending_search"
}
Caso 2
Consulta de dados do benefício com envio do Termo de Autorização.
Request
ENDPOINT
/social_security/balance_requestMÉTODO
POSTRequest Body
{
"document_number": "14950479032",
"benefit_number": "22255220",
"authorization_term": {
"document_number": "14950479032",
"legal_representative_document_number": "87237271016",
"signature": {
"signer": {
"name": "Maria da Silva",
"email": "maria.silva@email.com",
"phone": {
"number": "999538380",
"area_code": "11",
"country_code": "55"
},
"document_number": "87237271016"
},
"authentication_type": "opt_in",
"authenticity": {
"timestamp": "2024-11-07T14:28:23.382748Z",
"ip_address": "179.145.48.219",
"fingerprint": {},
"third_party_additional_data": {},
"session_id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890"
},
"signed_object": {
"document_key": "93a0f18b-f58f-4a22-ab63-2b796cbf7383"
}
}
}
}
Duração de Termo de Autorização
O termo de autorização tem validade de 30 dias após a assinatura. Durante o periodo hábil, é possível consultar os dados do benefício sem reenviar autorização do cliente. Caso não tenha sido enviada a autorização, é necessário enviar o termo durante esta requisição.
Atenção
Nos casos em que houver representante legal, é necessário preencher o campo "legal_representative_document_number" com o CPF do representante legal, e os dados do objeto "signer" devem ser preenchidos com os dados do mesmo.
Response
ENDPOINT
/social_security/balance_requestMÉTODO
POSTResponse Body
{
"balance_request_key": "\<GUID DA CONSULTA DE DADOS DO BENEFÍCIO\>",
"status": "pending_authorization"
}
Webhook de sucesso
Em caso de sucesso na consulta de dados do benefício
WEBHOOK_TYPE
social_security_balance_requestSTATUS
SuccessWebhook Body
{
"webhook_type": "social_security_balance_request",
"key": "\<GUID balance_request_key\>",
"event_datetime": "\<DATA E HORA DO ENVIO DO WEBHOOK\>",
"status": "success",
"data": {
"name": "IVOLANDO MIRANDA",
"state": "SP",
"alimony": "not_payer",
"birth_date": "07021961",
"grant_date": "2022-09-02",
"credit_type": "checking_account",
"block_type": "not_blocked",
"benefit_card": {
"limit": 2083.2,
"balance": 0
},
"benefit_number": "22255220",
"benefit_status": "elegible",
"payroll_card": {
"limit": 2083.2,
"balance": 0
},
"assistance_type": "retirement_by_age",
"document_number": "14950479032",
"benefit_end_date": "2020-12-01",
"consigned_credit": {
"balance": 1000
},
"benefit_situation": "active",
"max_total_balance": 2000,
"used_total_balance": 1000,
"politically_exposed": {
"type": "politically_exposed_level_1",
"is_politically_exposed": true
},
"has_power_of_attorney": false,
"available_total_balance": 1000,
"has_judicial_concession": false,
"number_of_portabilities": 0,
"disbursement_bank_account": {
"bank_code": "341",
"account_digit": "6",
"account_branch": "0155",
"account_number": "000059923"
},
"has_entity_representation": false,
"social_benefit_max_balance": 2000,
"social_benefit_used_balance": 1000,
"benefit_quota_expiration_date": null,
"number_of_active_reservations": 0,
"number_of_suspended_reservations": 0,
"number_of_refinanced_reservations": 0,
"number_of_active_suspended_reservations": 3
}
}
Detalhamento de campos no webhook de sucesso
| Campo | Descrição | Valores |
|---|---|---|
| assistance_type | Tipo do benefício | Enumeradores |
| benefit_status | Status do beneficio | Enumeradores |
| has_entity_representation | Possui entidade de representação (não permite averbação) | True ou False |
| alimony_code | Classificador da Pensão alimentícia | not_payer, payer, benefit |
| has_judicial_concession | Benefício concedido por liminar | True ou False |
| has_power_of_attorney | Possui procurador? | True ou False |
| credit_type | Tipo de crédito - recebimento do benefício | Magnetic_card, checking_account |
| benefit_situation | Situação do benefício | Enumeradores |
| used_total_balance | Valor total comprometido em averbações de empréstimos, reservado para portabilidade, refinanciamento, alterações, RMC e RCC | Numérico |
| max_total_balance | Valor comprometido possível para a respectiva espécie do benefício | Numérico |
| available_total_balance | Valor total disponível para empréstimo, somando todas as modalidades (diferença entre max_total_balance e used_total_balance) | Numérico |
| benefit_quota_expiration_date | Data de extinção do benefício. A informação está disponível apenas para alguns benefícios de pensão por morte. | String ou nulo |
| block_type | Tipo de bloqueio do benefício | Enumeradores |
| politically_exposed.type | Pessoa politicamente exposta | Enumeradores |
| is_politically_exposed | Pessoa politicamente exposta | True ou False |
Webhook de bloqueio
Para os casos que o benefício está bloqueado
WEBHOOK_TYPE
social_security_balance_requestSTATUS
BlockedWebhook Body
{
"webhook_type": "social_security_balance_request",
"key": "\<GUID balance_request_key\>",
"event_datetime": "\<DATA E HORA DO ENVIO DO WEBHOOK\>",
"status": "blocked",
"data": {
"benefit_blocked": true,
"document_number": "12345678910",
"balance_request_date": "2025-12-01",
"block_date": "2025-11-17",
"assistance_type": "retirement_by_age",
"block_type": "blocked_by_benefitiary"
}
}
Detalhamento de campos no webhook de bloqueio
| Campo | Descrição | Valores |
|---|---|---|
| benefit_blocked | Status do bloqueio | True |
| balance_request_date | Data da consulta | String |
| block_date | Data do bloqueio | String ou nulo |
| block_type | Tipo de bloqueio | Enumeradores |
Webhook de falha
Em caso de falha na consulta da lista de benefícios
WEBHOOK_TYPE
social_security_balance_requestSTATUS
FailureWebhook Body
{
"webhook_type": "social_security_balance_request",
"key": "\<GUID balance_request_key\>",
"event_datetime": "\<DATA E HORA DO ENVIO DO WEBHOOK\>",
"status": "failure",
"data": {
"enumerator": "not_found_legal_representative",
"description": "no legal representative for the beneficiary"
}
}
Detalhamento de campos no webhook de falha
| Campo | Descrição | Valores |
|---|---|---|
| enumerator | Retorno mapeado do código Dataprev | Enumeradores |
Simulando cenários de sucesso e insucesso na consulta de benefício em Sandbox:
A simulação de cenários é baseado no primeiro dígito do CPF informado na operação.
11.1. Para CPFs iniciados com o número 1, será retornado uma resposta assíncrona de sucesso através do Webhook.
11.2. Para os demais CPFs, será retornado uma resposta assíncrona de erro, baseado no primeiro dígito do CPF digitado, de acordo com a tabela abaixo.
| Início do CPF | Enumerador | Descrição |
|---|---|---|
| 2 | inexistent_beneficiary | no beneficiary found |
Atenção
Todos os CPFs que não tiverem um cenário mapeado para o primeiro dígito, receberão um webhook com um erro padrão de cenário de teste não mapeado.
| Enumerador | Descrição |
|---|---|
| mock_error | Informed document number is not a valid mock on test environment |
3 - Simulação da dívida:
Request crédito novo
ENDPOINT
/debt_simulationMÉTODO
POST- Valor de parcela
- Valor desembolsado
Request Body
{
"borrower": {
"person_type": "natural"
},
"financial": {
"first_due_date": "2024-12-07",
"installment_face_value": 100,
"disbursement_date": "2024-11-05",
"limit_days_to_disburse": 3,
"number_of_installments": 4,
"monthly_interest_rate": 0.018,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"collaterals": [
{
"collateral_type": "social_security"
}
]
}
Request Body
{
"borrower": {
"person_type": "natural"
},
"financial": {
"first_due_date": "2024-12-07",
"disbursed_amount": 1000,
"disbursement_date": "2024-11-05",
"limit_days_to_disburse": 3,
"number_of_installments": 4,
"monthly_interest_rate": 0.018,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"collaterals": [
{
"collateral_type": "social_security"
}
]
}
Request refinanciamento
ENDPOINT
/debt_simulationMÉTODO
POST- Valor de Parcela
- Valor desembolsado
{
"borrower": {
"person_type": "natural"
},
"financial": {
"first_due_date": "2024-12-07",
"installment_face_value": 100,
"disbursement_date": "2024-11-05",
"limit_days_to_disburse": 3,
"number_of_installments": 4,
"monthly_interest_rate": 0.018,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"collaterals": [
{
"collateral_type": "social_security"
}
],
"refinanced_credit_operations": [
{
"operation_key": "324caa35-ba10-4590-ae2b-5efef71709c3"
}
]
}
{
"borrower": {
"person_type": "natural"
},
"financial": {
"first_due_date": "2024-12-07",
"disbursed_amount": 1000,
"disbursement_date": "2024-11-05",
"limit_days_to_disburse": 3,
"number_of_installments": 4,
"monthly_interest_rate": 0.018,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"collaterals": [
{
"collateral_type": "social_security"
}
],
"refinanced_credit_operations": [
{
"operation_key": "324caa35-ba10-4590-ae2b-5efef71709c3"
}
]
}
informação
Na request acima existem 2 simulações sendo realizadas. A primeira está fixando o valor de parcela ao cliente (varia o valor desembolsado) e a segunda, esta fixando o valor desembolsado (varia o valor desembolsado).
Response
ENDPOINT
/debt_simulationMÉTODO
POSTResponse Body
{
"type": "debt",
"key": "8f01672d-9910-43a6-9e7d-07c031bc6fed",
"status": "finished",
"event_datetime": "2024-11-05 16:50:00",
"data": {
"interest_type": "pre_price_days",
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"interest_payment_month_period": 1,
"principal_grace_period": 0,
"principal_amortization_month_period": 1,
"operation_type": "structured_operation",
"post_fixed_interest_base": "workdays",
"post_fixed_interest_rate": null,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
},
"issue_date": "2024-11-05",
"number_of_installments": 4,
"requester_key": "e5eb6a0a-e003-4cbd-b702-5a25bf71af0a",
"final_disbursement_amount": 0.0,
"disbursement_options": [
{
"iof_amount": 3.93,
"total_pre_fixed_amount": 17.8715883143,
"cet": 0.0257,
"annual_cet": 0.355163,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.29
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.29,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-05",
"first_due_date": "2024-12-09",
"installments": [
{
"calendar_days": 34,
"workdays": 23.0,
"business_due_date": "2024-12-09",
"due_date": "2024-12-09",
"due_principal": 382.13,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 7.6967422515,
"tax_amount": 0.257341482602818,
"total_amount": 100,
"principal_amortization_amount": 92.3032577485,
"installment_number": 1
},
{
"calendar_days": 29,
"workdays": 19.0,
"business_due_date": "2025-01-07",
"due_date": "2025-01-07",
"due_principal": 289.8267422515,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 4.9718040699,
"tax_amount": 0.4909156601748966,
"total_amount": 100,
"principal_amortization_amount": 95.0281959301,
"installment_number": 2
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-07",
"due_date": "2025-02-07",
"due_principal": 194.7985463214,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.5742034136,
"tax_amount": 0.7432500400879712,
"total_amount": 100,
"principal_amortization_amount": 96.4257965864,
"installment_number": 3
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-07",
"due_date": "2025-03-07",
"due_principal": 98.372749735,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.6288385793,
"tax_amount": 0.9841050988526828,
"total_amount": 100,
"principal_amortization_amount": 98.3711614207,
"installment_number": 4
}
],
"issue_amount": 382.13,
"disbursed_issue_amount": 374.91,
"assignment_amount": 382.13,
"final_disbursement_amount": 374.91,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
},
{
"iof_amount": 4.77,
"total_pre_fixed_amount": 24.2597288075,
"cet": 0.0243,
"annual_cet": 0.334037,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.25
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.25,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-06",
"first_due_date": "2025-01-07",
"installments": [
{
"calendar_days": 62,
"workdays": 41.0,
"business_due_date": "2025-01-07",
"due_date": "2025-01-07",
"due_principal": 375.74,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 13.9149280115,
"tax_amount": 0.437656505989534,
"total_amount": 100,
"principal_amortization_amount": 86.0850719885,
"installment_number": 1
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-07",
"due_date": "2025-02-07",
"due_principal": 289.6549280115,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 5.3146959395,
"tax_amount": 0.722070128765373,
"total_amount": 100,
"principal_amortization_amount": 94.6853040605,
"installment_number": 2
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-07",
"due_date": "2025-03-07",
"due_principal": 194.969623951,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.2283291407,
"tax_amount": 0.9601685182659746,
"total_amount": 100,
"principal_amortization_amount": 96.7716708593,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-04-07",
"due_date": "2025-04-07",
"due_principal": 98.1979530917,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.8017757158,
"tax_amount": 1.2239426674782687,
"total_amount": 100,
"principal_amortization_amount": 98.1982242842,
"installment_number": 4
}
],
"issue_amount": 375.74,
"disbursed_issue_amount": 367.72,
"assignment_amount": 375.74,
"final_disbursement_amount": 367.72,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
},
{
"iof_amount": 4.74,
"total_pre_fixed_amount": 24.0392857898,
"cet": 0.0243,
"annual_cet": 0.334673,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.26
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.26,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-07",
"first_due_date": "2025-01-07",
"installments": [
{
"calendar_days": 61,
"workdays": 40.0,
"business_due_date": "2025-01-07",
"due_date": "2025-01-07",
"due_principal": 375.96,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 13.6944849939,
"tax_amount": 0.4317001860605122,
"total_amount": 100,
"principal_amortization_amount": 86.3055150061,
"installment_number": 1
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-07",
"due_date": "2025-02-07",
"due_principal": 289.6544849939,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 5.3146959395,
"tax_amount": 0.714305933832412,
"total_amount": 100,
"principal_amortization_amount": 94.6853040605,
"installment_number": 2
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-07",
"due_date": "2025-03-07",
"due_principal": 194.9691809334,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.2283291407,
"tax_amount": 0.952233241255512,
"total_amount": 100,
"principal_amortization_amount": 96.7716708593,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-04-07",
"due_date": "2025-04-07",
"due_principal": 98.1975100741,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.8017757157,
"tax_amount": 1.2158904130882027,
"total_amount": 100,
"principal_amortization_amount": 98.1982242843,
"installment_number": 4
}
],
"issue_amount": 375.96,
"disbursed_issue_amount": 367.96,
"assignment_amount": 375.96,
"final_disbursement_amount": 367.96,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
},
{
"iof_amount": 4.71,
"total_pre_fixed_amount": 23.8187134405,
"cet": 0.0244,
"annual_cet": 0.335196,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.26
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.26,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-08",
"first_due_date": "2025-01-07",
"installments": [
{
"calendar_days": 60,
"workdays": 39.0,
"business_due_date": "2025-01-07",
"due_date": "2025-01-07",
"due_principal": 376.18,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 13.4739126445,
"tax_amount": 0.42570834978906,
"total_amount": 100,
"principal_amortization_amount": 86.5260873555,
"installment_number": 1
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-07",
"due_date": "2025-02-07",
"due_principal": 289.6539126445,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 5.3146959395,
"tax_amount": 0.706541738899451,
"total_amount": 100,
"principal_amortization_amount": 94.6853040605,
"installment_number": 2
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-07",
"due_date": "2025-03-07",
"due_principal": 194.968608584,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.2283291407,
"tax_amount": 0.9442979642450494,
"total_amount": 100,
"principal_amortization_amount": 96.7716708593,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-04-07",
"due_date": "2025-04-07",
"due_principal": 98.1969377247,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.8017757158,
"tax_amount": 1.20783815869566,
"total_amount": 100,
"principal_amortization_amount": 98.1982242842,
"installment_number": 4
}
],
"issue_amount": 376.18,
"disbursed_issue_amount": 368.21,
"assignment_amount": 376.18,
"final_disbursement_amount": 368.21,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
}
]
}
}
4 - Emissão de Operação:
Atenção
Para operações em que ainda não se passaram 90 dias desde a data de Despacho Benefício e a averbação não é permitida, é necessário garantir que a soma de disbursement_date e limit_days_to_disburse resulte em uma data posterior aos 90 dias. Caso essa regra não seja cumprida, a operação será cancelada permanentemente, com o CancelReason: social_security_margin_release_after_disbursement_end_date.
O campo "assistance_type", localizado dentro do objeto "collateral_data", refere-se ao tipo de benefício que está sendo utilizado para o empréstimo. O mesmo é retornado na consulta de dados do benefício. Para visualizar os valores possíveis (enumeradores), consultar a tabela Tabela de enumerador
Atenção
O objeto credit_agent representa o agente de crédito, por vezes conhecido como pastinha, responsável pela originação desta dívida. Este campo é obrigatório para a emissão de dívidas de consignados.
Request
Caso 1: Emissão sem representante legal
ENDPOINT
/debtMÉTODO
POST- Crédito Novo
- Refinanciamento
- Crédito Novo - Aumento Salarial
Request Body
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2023-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.0166,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 101.84,
"limit_days_to_disburse": 7,
"number_of_installments": 10,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644799"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
]
}
Request Body
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
],
"refinanced_credit_operations": [
{
"operation_key": "4f32e501-212c-4129-8ac3-d9943b78583b"
}
]
}
Request Body
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"operation_category": "minimum_wage_increase",
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
]
}
Caso 2: Emissão com representante legal
ENDPOINT
/debtMÉTODO
POST- Crédito Novo
- Refinanciamento
- Crédito Novo - Aumento Salarial
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"related_parties": [
{
"name": "Representante legal",
"email": "teste@qitech.com.br",
"phone": {
"number": "991294043",
"area_code": "55",
"country_code": "055"
},
"address": {
"street": "AV LEONOR",
"state": "SP",
"city": "GUARULHOS",
"neighborhood": "",
"number": "1",
"postal_code": "07025200",
"complement": ""
},
"role_type": "issuer_legal_representative",
"person_type": "natural",
"is_pep": false,
"individual_document_number": "19125869086",
"birth_date": "1970-04-20",
"mother_name": " Ana Lúcia"
}
],
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
]
}
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"related_parties": [
{
"name": "Representante legal",
"email": "teste@qitech.com.br",
"phone": {
"number": "991294043",
"area_code": "55",
"country_code": "055"
},
"address": {
"street": "AV LEONOR",
"state": "SP",
"city": "GUARULHOS",
"neighborhood": "",
"number": "1",
"postal_code": "07025200",
"complement": ""
},
"role_type": "issuer_legal_representative",
"person_type": "natural",
"is_pep": false,
"individual_document_number": "19125869086",
"birth_date": "1970-04-20",
"mother_name": " Ana Lúcia"
}
],
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
],
"refinanced_credit_operations": [
{
"operation_key": "4f32e501-212c-4129-8ac3-d9943b78583b"
}
]
}
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"related_parties": [
{
"name": "Representante legal",
"email": "teste@qitech.com.br",
"phone": {
"number": "991294043",
"area_code": "55",
"country_code": "055"
},
"address": {
"street": "AV LEONOR",
"state": "SP",
"city": "GUARULHOS",
"neighborhood": "",
"number": "1",
"postal_code": "07025200",
"complement": ""
},
"role_type": "issuer_legal_representative",
"person_type": "natural",
"is_pep": false,
"individual_document_number": "19125869086",
"birth_date": "1970-04-20",
"mother_name": " Ana Lúcia"
}
],
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"operation_category": "minimum_wage_increase",
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
],
"refinanced_credit_operations": [
{
"operation_key": "4f32e501-212c-4129-8ac3-d9943b78583b"
}
]
}
Exemplo de objeto financial com rebates
{
"financial": {
"first_due_date": "2022-12-07",
"installment_face_value": 100,
"disbursement_date": "2022-11-03",
"limit_days_to_disburse": 3,
"number_of_installments": 24,
"disbursed_amount": 1876,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0,
"rebates": [
{
"amount": 20,
"rebate_bank_account": {
"name": "Teste Ltda",
"document_number": "18533555000164",
"account_digit": "0",
"account_number": "4290001",
"branch_number": "0001",
"bank_code": "329"
},
"amount_type": "percentage",
"fee_type": "spread"
}
]
}
}
Response
ENDPOINT
/debtMÉTODO
POSTResponse Body
{
"webhook_type": "debt",
"key": "eb859ebe-3a41-49bf-a6c3-d6902039ec00",
"status": "waiting_signature",
"event_datetime": "2024-11-07 23:19:22",
"data": {
"borrower": {
"name": "Nome devedor",
"document_number": "14471835092",
"related_party_key": "28b7fc16-6d1f-467d-9667-62a8c13daea6"
},
"contract": {
"number": "TST0000644710",
"urls": [
"https://storage.googleapis.com/sandbox-doc-api/documents/a2e9c83a-3666-4def-8b27-e96fabb8705c/NOME_DEVEDOR-CCB-TST0000644710-20241107231916.pdf"
],
"signature_information": [
{
"signer_name": "Nome devedor",
"signer_document_number": "14471835092",
"signer_role": "issuer",
"signer_email": null,
"signer_external_key": null,
"signature_url": null
}
]
},
"requester_identifier_key": "eb859ebe-3a41-49bf-a6c3-d6902039ec00",
"iof_charge_method": "financed",
"collaterals": [
{
"absolute_amount": null,
"collateral_constituted": false,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"reservation_method": "issuing",
"subcorban_document_number": "12123456000101"
},
"collateral_key": "26c7f4f4-51f3-41fa-b880-9691211136aa",
"collateral_type": "social_security",
"created_at": "2024-11-07T23:19:16.413448",
"external_key": null,
"percentage": 1,
"reservation_method": {
"enumerator": "issuing"
},
"updated_at": "2024-11-07T23:19:16.413441"
}
],
"disbursement_options": [
{
"disbursement_date": "2024-11-07",
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 4.55
},
{
"fee_type": "ted_fee",
"fee_amount": 1.5
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0
}
],
"contract_fee_amount": 6.05,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"assignment_amount": 914.3,
"issue_amount": 909.75,
"cet": "2,0100%",
"annual_cet": "27,0481%",
"base_iof": 16.259002146803677,
"additional_iof": 3.45705,
"total_iof": 19.72,
"total_pre_fixed_amount": 108.6508885851,
"installments": [
{
"additional_costs": [],
"business_due_date": "2025-01-20",
"calendar_days": 74,
"due_date": "2025-01-20",
"due_interest": 0.0,
"due_principal": 909.75,
"fine_amount": null,
"has_interest": true,
"installment_number": 1,
"post_fixed_amount": null,
"pre_fixed_amount": 37.1789024864,
"principal_amortization_amount": 64.6610975136,
"tax_amount": 0.3923635397125248,
"total_amount": 101.84,
"workdays": 49.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-02-20",
"calendar_days": 31,
"due_date": "2025-02-20",
"due_interest": 0.0,
"due_principal": 845.0889024864,
"fine_amount": null,
"has_interest": true,
"installment_number": 2,
"post_fixed_amount": null,
"pre_fixed_amount": 14.2997636051,
"principal_amortization_amount": 87.5402363949,
"tax_amount": 0.753721435360089,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-03-20",
"calendar_days": 28,
"due_date": "2025-03-20",
"due_interest": 0.0,
"due_principal": 757.5486660915,
"fine_amount": null,
"has_interest": true,
"installment_number": 3,
"post_fixed_amount": null,
"pre_fixed_amount": 11.5685715131,
"principal_amortization_amount": 90.2714284869,
"tax_amount": 0.9845001990781314,
"total_amount": 101.84,
"workdays": 18.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-04-22",
"calendar_days": 33,
"due_date": "2025-04-22",
"due_interest": 0.0,
"due_principal": 667.2772376046,
"fine_amount": null,
"has_interest": true,
"installment_number": 4,
"post_fixed_amount": null,
"pre_fixed_amount": 12.025984633,
"principal_amortization_amount": 89.814015367,
"tax_amount": 1.222548377175604,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-05-20",
"calendar_days": 28,
"due_date": "2025-05-20",
"due_interest": 0.0,
"due_principal": 577.4632222376,
"fine_amount": null,
"has_interest": true,
"installment_number": 5,
"post_fixed_amount": null,
"pre_fixed_amount": 8.8184725787,
"principal_amortization_amount": 93.0215274213,
"tax_amount": 1.4797864582180404,
"total_amount": 101.84,
"workdays": 19.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-06-20",
"calendar_days": 31,
"due_date": "2025-06-20",
"due_interest": 0.0,
"due_principal": 484.4416948163,
"fine_amount": null,
"has_interest": true,
"installment_number": 6,
"post_fixed_amount": null,
"pre_fixed_amount": 8.1972396908,
"principal_amortization_amount": 93.6427603092,
"tax_amount": 1.72770892770474,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-07-21",
"calendar_days": 31,
"due_date": "2025-07-21",
"due_interest": 0.0,
"due_principal": 390.7989345071,
"fine_amount": null,
"has_interest": true,
"installment_number": 7,
"post_fixed_amount": null,
"pre_fixed_amount": 6.6127072945,
"principal_amortization_amount": 95.2272927055,
"tax_amount": 1.999011328473856,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-08-20",
"calendar_days": 30,
"due_date": "2025-08-20",
"due_interest": 0.0,
"due_principal": 295.5716418016,
"fine_amount": null,
"has_interest": true,
"installment_number": 8,
"post_fixed_amount": null,
"pre_fixed_amount": 4.8387153664,
"principal_amortization_amount": 97.0012846336,
"tax_amount": 2.274874127227187,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-09-22",
"calendar_days": 33,
"due_date": "2025-09-22",
"due_interest": 0.0,
"due_principal": 198.570357168,
"fine_amount": null,
"has_interest": true,
"installment_number": 9,
"post_fixed_amount": null,
"pre_fixed_amount": 3.5787172455,
"principal_amortization_amount": 98.2612827545,
"tax_amount": 2.570318634292211,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-10-20",
"calendar_days": 28,
"due_date": "2025-10-20",
"due_interest": 0.0,
"due_principal": 100.3090744135,
"fine_amount": null,
"has_interest": true,
"installment_number": 10,
"post_fixed_amount": null,
"pre_fixed_amount": 1.5318141716,
"principal_amortization_amount": 100.3081858284,
"tax_amount": 2.8541691195612935,
"total_amount": 101.84,
"workdays": 20.0,
"installment_status": null,
"installment_type": null
}
],
"first_due_date": "2025-01-20",
"prefixed_interest_rate": {
"monthly_rate": 0.0166,
"daily_rate": 0.00054142,
"annual_rate": 0.21843191,
"interest_base": "calendar_days_365"
}
},
{
"disbursement_date": "2024-11-08",
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 4.55
},
{
"fee_type": "ted_fee",
"fee_amount": 1.5
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0
}
],
"contract_fee_amount": 6.05,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"assignment_amount": 914.79,
"issue_amount": 910.24,
"cet": "2,0200%",
"annual_cet": "27,0539%",
"base_iof": 16.187351160427028,
"additional_iof": 3.458912,
"total_iof": 19.65,
"total_pre_fixed_amount": 108.1583324947,
"installments": [
{
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"business_due_date": "2025-01-20",
"calendar_days": 73,
"due_date": "2025-01-20",
"due_interest": 0.0,
"due_principal": 910.24,
"fine_amount": null,
"has_interest": true,
"installment_number": 1,
"post_fixed_amount": null,
"pre_fixed_amount": 36.6863463961,
"principal_amortization_amount": 65.1536536039,
"tax_amount": 0.3900097704729454,
"total_amount": 101.84,
"workdays": 48.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-02-20",
"calendar_days": 31,
"due_date": "2025-02-20",
"due_interest": 0.0,
"due_principal": 845.0863463961,
"fine_amount": null,
"has_interest": true,
"installment_number": 2,
"post_fixed_amount": null,
"pre_fixed_amount": 14.2997636051,
"principal_amortization_amount": 87.5402363949,
"tax_amount": 0.7465431359757072,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-03-20",
"calendar_days": 28,
"due_date": "2025-03-20",
"due_interest": 0.0,
"due_principal": 757.5461100012,
"fine_amount": null,
"has_interest": true,
"installment_number": 3,
"post_fixed_amount": null,
"pre_fixed_amount": 11.5685715131,
"principal_amortization_amount": 90.2714284869,
"tax_amount": 0.9770979419422056,
"total_amount": 101.84,
"workdays": 18.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-04-22",
"calendar_days": 33,
"due_date": "2025-04-22",
"due_interest": 0.0,
"due_principal": 667.2746815143,
"fine_amount": null,
"has_interest": true,
"installment_number": 4,
"post_fixed_amount": null,
"pre_fixed_amount": 12.025984633,
"principal_amortization_amount": 89.814015367,
"tax_amount": 1.21518362791551,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-05-20",
"calendar_days": 28,
"due_date": "2025-05-20",
"due_interest": 0.0,
"due_principal": 577.4606661473,
"fine_amount": null,
"has_interest": true,
"installment_number": 5,
"post_fixed_amount": null,
"pre_fixed_amount": 8.8184725787,
"principal_amortization_amount": 93.0215274213,
"tax_amount": 1.4721586929694939,
"total_amount": 101.84,
"workdays": 19.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-06-20",
"calendar_days": 31,
"due_date": "2025-06-20",
"due_interest": 0.0,
"due_principal": 484.439138726,
"fine_amount": null,
"has_interest": true,
"installment_number": 6,
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"pre_fixed_amount": 8.1972396908,
"principal_amortization_amount": 93.6427603092,
"tax_amount": 1.7200302213593857,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-07-21",
"calendar_days": 31,
"due_date": "2025-07-21",
"due_interest": 0.0,
"due_principal": 390.7963784168,
"fine_amount": null,
"has_interest": true,
"installment_number": 7,
"post_fixed_amount": null,
"pre_fixed_amount": 6.6127072945,
"principal_amortization_amount": 95.2272927055,
"tax_amount": 1.991202690472005,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-08-20",
"calendar_days": 30,
"due_date": "2025-08-20",
"due_interest": 0.0,
"due_principal": 295.5690857113,
"fine_amount": null,
"has_interest": true,
"installment_number": 8,
"post_fixed_amount": null,
"pre_fixed_amount": 4.8387153664,
"principal_amortization_amount": 97.0012846336,
"tax_amount": 2.266920021887232,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-09-22",
"calendar_days": 33,
"due_date": "2025-09-22",
"due_interest": 0.0,
"due_principal": 198.5678010777,
"fine_amount": null,
"has_interest": true,
"installment_number": 9,
"post_fixed_amount": null,
"pre_fixed_amount": 3.5787172455,
"principal_amortization_amount": 98.2612827545,
"tax_amount": 2.562261209106342,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-10-20",
"calendar_days": 28,
"due_date": "2025-10-20",
"due_interest": 0.0,
"due_principal": 100.3065183232,
"fine_amount": null,
"has_interest": true,
"installment_number": 10,
"post_fixed_amount": null,
"pre_fixed_amount": 1.5318141715,
"principal_amortization_amount": 100.3081858285,
"tax_amount": 2.845943848326202,
"total_amount": 101.84,
"workdays": 20.0,
"installment_status": null,
"installment_type": null
}
],
"first_due_date": "2025-01-20",
"prefixed_interest_rate": {
"monthly_rate": 0.0166,
"daily_rate": 0.00054142,
"annual_rate": 0.21843191,
"interest_base": "calendar_days_365"
}
},
{
"disbursement_date": "2024-11-09",
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 4.55
},
{
"fee_type": "ted_fee",
"fee_amount": 1.5
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0
}
],
"contract_fee_amount": 6.05,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"assignment_amount": 915.28,
"issue_amount": 910.73,
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{
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]
}
}
Caso a operação não seja assinada ou averbada até a última opção de data de desembolso o parceiro receberá um webhook informando a respeito do cancelamento da operação:
WEBHOOK_TYPE
debtSTATUS
CanceledWebhook Body
{
"key": "\<DEBT-KEY\>",
"data": {
"cancel_reason": "Operacao cancelada manualmente",
"cancel_reason_enumerator": "manual"
},
"status": "canceled",
"webhook_type": "debt",
"event_datetime": "2022-11-01 03:46:31"
}
Simulando cenários de sucesso e insucesso na averbação em Sandbox:
A simulação de cenários é baseado no primeiro dígito do CPF informado na operação.
11.1. Para CPFs iniciados com o número 1, será retornado uma resposta assíncrona de sucesso através do Webhook.
11.2. Para os demais CPFs, será retornado uma resposta assíncrona de erro, baseado no primeiro dígito do CPF digitado, de acordo com a tabela abaixo.
11.3. Erros com Ação "cancel" receberá um webhook com o resultado final da operação.
| Início do cpf | Enumerador | Descrição | Ação |
|---|---|---|---|
| 2 | invalid_disbursement_account | Invalid disbursemente bank account | cancel |
| 3 | operation_not_allowed_IR | Operation not allowed due to operation deadline greatter than benefit termination | cancel |
Atenção
Todos os CPFs que não tiverem um cenário mapeado para o primeiro dígito, receberão um webhook com um erro padrão de cenário de teste não mapeado.
| Enumerador | Descrição |
|---|---|
| mock_error | Informed document number is not a valid mock on test environment |
5 - Envio de documentos
É obrigatório o envio (segundo IN 138 do INSS) dos dados complementares do contrato.
Os documentos devem ser enviados através do endpoint de upload de documentos e devem seguir a seguinte formatação:
| Validações | Valores |
|---|---|
| Formato | JPEG |
| Tamanho mínimo | 250 x 250 px |
| Tamanho máximo | 2 MB |
Atenção
Contratos que tiverem documentos vinculados que não respeitam as regras de tamanho mínimo ou máximo serão cancelados permanentemente.
Após o upload dos documentos, as chaves dos documentos enviados devem ser informadas no payload de criação da operação ou após, através do seguinte endpoint:
ENDPOINT
/debt/DEBT-KEY/related_party/RELATED-PARTY-KEY/attached_documentMÉTODO
POSTRequest Body
{
"document_identification": "2893fc74-88fd-4cc9-a5c6-8a63d9d00f41",
"document_identification_back": "e881ddf4-bc9a-48e0-9555-cac979f65431",
"selfie": "ca37979e-6f11-4465-bf3b-69cd8307549c"
}
Informação
A related_party_key é retornada na response da criação de dívida dentro do objeto borrower
6 - Formalização da operação
Após o input dos documentos a operação pode seguir para formalização.
No caso de assinatura por parte do representante legal, no campo "data.contract.signers[i]" serão retornados os dados do representante legal, e o valor do objeto "data.contract.signers[i].signer_role" será "issuer_legal_representative".
No payload de assinatura devem conter os campos obrigatórios relacionados aos documentos enviados no item 5. Os campos obrigatórios são os seguintes: ip_address e signature_datetime.
Request
ENDPOINT
/debt/DEBT-KEY/signedMÉTODO
POSTRequest Body
{
...,
"ip_address": "192.168.0.0",
"signature_datetime": "2020-03-20T14:28:23.382748Z",
"similarity_score": 0.98000,
"biometry_analysis_reference": "serpro",
"type": "data-signature"
}
Atenção
O payload de envio da assinatura varia de acordo com o processo de formalização do parceiro e deve ser alinhado com o time de integração da QI Tech.
Enumeradores Biometry Analysis Reference
| Enumerador | Descrição |
|---|---|
| serpro | Utilizado quando o similarity_score for retornado através de consulta realizada na base de documentos com foto do Detran (Serviço prestado através da Serpro) |
| tse | Utilizado quando o similarity_score for retornado através de consulta realizada na base de documentos com foto do TSE |
| not_found | Deve ser informado quando a biometria facial não for localizada em nenhuma das bases governamentais anteriores (serpro ou tse). Neste caso o similarity_score deve ser null ou o grau de similaridade da selfie com o documento oficial com foto, retornado pelo parceiro. |
QI Sign
A QI Tech oferece o serviço de assinatura que atende ao determinado pela IN 138. Com biometria facial e envio de documentos.
Para receber uma cotação consulte nosso time comercial:
comercial@qitech.com.br ou (11) 2339-4763
Response
ENDPOINT
/debt/DEBT-KEY/signedMÉTODO
POSTResponse Body
{
"data": {},
"event_datetime": "2022-11-07 15:24:47",
"key": "\<DEBT-KEY\>",
"status": "signature_received",
"webhook_type": "debt"
}
Após o recebimento da assinatura, uma validação dos documentos enviados e do campo assistance type será feita.
Caso seja enviado um tipo de benefício (assistance_type) que não esteja mapeado, a operação será cancelada permanentemente.
O mesmo vale para as validações de documentos, caso haja duplicidade, falta ou documentos fora dos padrões mínimos exigidos, a operação será cancelada permanente.
Em ambos os casos, um webhook será enviado com o seguinte payload:
WEBHOOK_TYPE
debtSTATUS
Canceled PermanentlyWebhook Body
{
"key": "<DEBT-KEY>",
"data": {},
"status": "canceled_permanently",
"webhook_type": "debt",
"event_datetime": "2022-11-01 03:46:31"
}
7 - Averbação e Desaverbação
Atenção
Para que o pedido de averbação seja criado com sucesso, é preciso que seja feita uma consulta de dados válida para o benefício previamente. Para isso basta seguir os passos do item 2 - Consulta de dados do benefício.
Falha na averbação por margem exedida
Se uma reserva com categoria de novo beneficiário ou de aumento salarial receber margem excedida na tentativa de averbação, o status do pedido de averbação ficará como "aguardando ação do parceiro", e será enviado um webhook no seguinte formato para informar o ocorrido:
WEBHOOK_TYPE
social_security_margin_exceeded_for_new_beneficiary ou social_security_margin_exceeded_for_minimum_wage_increaseSTATUS
Pending requester actionWebhook Body
- Novo Beneficiario
- Aumento Salarial
{
"webhook": {
"key": "\<DEBT-KEY\>",
"data": {
"enumerator": "margin_exceeded_for_new_beneficiary",
"description": "The margin for this reservation has been exceeded. Reservation Amount: 551.18",
},
"status": "pending_requester_action",
"webhook_type": "social_security_margin_exceeded_for_new_beneficiary",
"event_datetime": "2024-10-15T15:33:59"
}
}
{
"webhook": {
"key": "\<DEBT-KEY\>",
"data": {
"enumerator": "margin_exceeded_for_minimum_wage_increase",
"description": "The margin for this reservation has been exceeded. Reservation Amount: 551.18",
},
"status": "pending_requester_action",
"webhook_type": "social_security_margin_exceeded_for_minimum_wage_increase",
"event_datetime": "2024-10-15T15:33:59"
}
}
Falha na averbação por falta de uma consulta de dados válida do benefício
Se uma consulta dos dados do benefício não for realizada com sucesso antes do pedido de averbação, o status do pedido de averbação ficará como "aguardando ação do parceiro" e será enviado um webhook no seguinte formato para informar o ocorrido:
WEBHOOK_TYPE
social_security_success_balance_request_not_foundSTATUS
Pending requester actionWebhook Body
{
"webhook": {
"key": "\<DEBT-KEY\>",
"data": {
"enumerator": "success_balance_request_not_found",
"description": "Success balance request not found for the specified benefit number"
},
"status": "pending_requester_action",
"webhook_type": "social_security_success_balance_request_not_found",
"event_datetime": "2024-10-15T15:33:59"
}
}
Para prosseguir, as seguintes ações deverão ser tomadas:
- Realizar a consulta dos dados do benefício em questão seguindo os passos do item 2 - Consulta de dados do benefício;
- Enviar uma requisição no formato abaixo para informar que a consulta foi realizada.
ENDPOINT
/social_security/reservation/external_key/DEBT-KEY/validate_reservationMÉTODO
POSTImportante
Essa requisição não apenas confirma a existência de uma consulta válida dos dados do benefício, mas também verifica se as informações enviadas para a criação da averbação estão corretas, permitindo assim a continuidade do processo.
Sistema de priorização de requisições (Fura fila)
Devido à limitação da Dataprev, que permite no máximo 25 requisições por segundo, o sistema de requisições opera de maneira assíncrona, ou seja, as tentativas de averbação são organizadas em uma fila para processamento. Dessa forma, as requisições são priorizadas com base no tipo de operação e probabilidade de sucesso.
Nesse contexto, pensando em evitar a perda de margem em situações em que há alta probabilidade de sucesso na averbação, mas ainda vai demorar para ocorrer a próxima tentativa de averbação, foi desenvolvido esse sistema que permite realizar uma requisição de forma síncrona, ou seja, sem precisar esperar passar pela fila.
Todavia, para garantir o controle adequado e evitar o uso indevido desse sistema, foi implementado um mecanismo de balde de fichas, que funciona da seguinte forma:
- Cada requisição consome uma ficha para ser realizada;
- Se a requisição resultar em uma averbação bem-sucedida, a ficha é devolvida ao balde;
- Caso contrário, a ficha é perdida;
- Existe um limite máximo de fichas por balde;
- Uma rotina de reposição de fichas é ativada periodicamente, para reabastecer as fichas perdidas até atingir o limite máximo;
- Se as fichas se esgotarem, novas requisições não poderão ser feitas até que a rotina reponha uma nova ficha.
Exemplo Sistema de Balde
Nesse exemplo, a configuração do balde é:
- Número máximo de fichas: 10
- Tempo de reposição: 30min
HORA 0: O balde é criado com sua capacidade máxima;
9min: Uma requisição é feita, mas o contrato não é averbado (erro), ocasionando na perda de 1 ficha;
17min: Uma requisição é feita e o contrato é averbado (sucesso), mantendo inalterado o número de fichas;
30min: Ocorre a primeira reposição de fichas, levando o balde a sua capacidade máxima novamente;
47min: 10 requisições são realizadas com sucesso e nenhuma ficha é perdida;
1h: Ocorre a segunda reposição de fichas, mas como o balde já está cheio, o número de fichas permanece inalterado;
1:12h: 5 requisições são realizadas com erro, levando a perda de 5 fichas;
1:30h: Ocorre a terceira reposição de fichas, deixando o balde com 6 fichas;
1:38h: 6 requisições são realizadas com erro, esgotando todas as fichas;
1:51h: Uma tentativa de requisição é feita, mas como o balde não possui nenhuma ficha, a requisição é barrada;
2h: Ocorre a quarta reposição de fichas, levando a balde a 1 ficha e permitindo novas tentativas de requisições;
Para fazer a requisição prioritária, basta bater no seguinte endpoint utilizando a DEBT-KEY correspondente à operação que deseja averbar:
Request
ENDPOINT
/social_security/reservation/external_key/DEBT-KEY/priority_requestMÉTODO
POSTResponse
Response Body - Sucesso
{
"max_bucket_capacity": 10,
"bucket_fill_rate_minutes": 30,
"available_tokens": 7,
"status": "pending_document_submission",
"next_refill_at": "2025-02-04T20:28:35Z"
}
Response Body - Erros
Erro na averbação:
{
"title": "Reservation Failed",
"description": "Last Response: consignable_margin_excceded, Tokens Available: 9, Next Refill At: 2025-02-04T20:18:35Z",
"translation": "Ultima resposta: consignable_margin_excceded, Fichas disponiveis: 9, Proxima Recarga: 2025-02-04T20:18:35Z",
"extra_fields": {},
"code": "SSC000083"
}
Erro de nenhuma ficha disponível:
{
"title": "Rate limit exceeded",
"description": "Request limit exceeded. No tokens available, next refill in 8 minutes.",
"translation": "Limite de solicitacoes excedido. Nenhuma ficha disponivel, proxima recarga em 8 minutos.",
"extra_fields": {},
"code": "SSC000080"
}
Por fim, é possível consultar as configurações atuais do balde sem a necessidade de realizar uma requisição no endpoint de priorização. Para isso, disponibilizamos o seguinte endpoint para consulta:
Request
ENDPOINT
/social_security/bucket_configurationMÉTODO
GETResponse
Response Body
{
"max_bucket_capacity": 10,
"bucket_fill_rate_minutes": 30,
"available_tokens": 7,
"next_refill_at": "2025-02-04T20:08:35Z"
}
Sucesso na averbação
Em caso de sucesso na averbação o parceiro receberá o seguinte webhook:
WEBHOOK_TYPE
credit_operation.collateralSTATUS
SuccessWebhook Body
{
"key": "\<DEBT-KEY\>",
"data": {
"collateral_type": "social_security",
"collateral_constituted": true
},
"event_time": "2022-10-31 15:23:46",
"webhook_type": "credit_operation.collateral"
}
Correção de dados no caso de falha na averbação
É possível corrigir os dados bancários, número do benefício e o nome do contrato em tentativa de averbação. Para isso basta utilizar a seguinte chamada:
ENDPOINT
/debt/DEBT-KEY/collateralMÉTODO
PATCHRequest Body
- Dados Bancários
- Número do Benefício
- Nome
{
"disbursement_bank_account": {
"bank_code": "123",
"account_digit": "1",
"account_branch": "1234",
"account_number": "5678",
"document_number": "12345678901"
}
}
{
"benefit_number": 1234567890
}
{
"name": "Nome do Beneficiário"
}
Desaverbação
A desaverbação de um contrato é realizada através da rota de cancelamento permanente. Essa rota coloca um status final no contrato, o qual não é passível de retentativa e dispara a desaverbação da margem averbada.
Para realizar o cancelamento definitivo, deve ser utilizado o seguinte endpoint:
ENDPOINT
/debt/DEBT-KEY/cancel_permanentlyMÉTODO
POSTWebhooks
WEBHOOK_TYPE
debtSTATUS
canceled_permanentlyWebhook Body
{
"key": "\<DEBT-KEY\>",
"data": {},
"status": "canceled_permanently",
"webhook_type": "debt",
"event_datetime": "2022-11-01 03:46:31"
}
8 - Falha no desembolso
TED
Em caso de falha no desembolso via TED
WEBHOOK_TYPE
debtSTATUS
canceledWebhook Body
{
"status": "canceled",
"key": "\<DEBT-KEY\>",
"data": {
"ted_refusal": {
"transaction_key": "16faabfc-3876-437d-a4f6-aae17a1d68c9",
"description": "341 0000 000000-7 12345678900 - NOME BENEFICIÁRIO",
"origin": {
"account_key": "a1d2dea5-fa90-4676-a125-da355fdc3ed0",
"account_number": "00086",
"bank_code": "329",
"name": "ACCOUNT TRANSITORY",
"type": "payment_account",
"document": "32402502000135",
"branch_digit": null,
"account_digit": "8",
"branch": "0001"
},
"fee": 0,
"reason_enumerator": "agencia_conta_invalida",
"timestamp": "2022-11-07T14:36:05",
"amount": 483.6,
"reason": "Agência ou Conta Destinatária do Crédito Inválida",
"destination": {
"branch": "0000",
"account_number": "000000",
"name": "NOME BENEFICIÁRIO",
"purpose": "Crédito em Conta",
"type": "checking_account",
"branch_digit": null,
"document": "12345678900",
"bank_code": "341",
"account_digit": "7"
}
},
"cancel_reason": "ted_refusal"
}
}
Pix
Em caso de falha no desembolso via Pix
WEBHOOK_TYPE
debtSTATUS
canceledWebhook Body
{
"webhook_type": "debt",
"data": {
"pix_refusal": {
"reason": "Número da conta de destino é inexistente ou inválido.",
"reason_enumerator": "invalid_account",
"cancel_reason_enumerator": "invalid_account"
},
"cancel_reason": "pix_refusal",
"cancel_reason_enumerator": "pix_refusal"
},
"status": "canceled",
"key": "\<DEBT-KEY\>",
"event_datetime": "2025-09-04 15:29:37"
}
9 - Reapresentação de Pagamento
Altera a data de desembolso sem afetar os valores financeiros da operação.
Request
ENDPOINT
/debt/DEBT-KEY/change_disbursement_dateMÉTODO
POSTRequest Body
{
"disbursement_date": "2022-11-04",
"disbursement_bank_accounts": [
{
"branch_number": "1232",
"account_digit": "4",
"account_number": "412412412",
"account_type": "checking_account",
"document_number": "14950479032",
"bank_code": 184,
"ispb_number": "17298092",
"name": "Maria da Silva",
"percentage_receivable": 100
}
]
}
Response
ENDPOINT
/debt/DEBT-KEY/change_disbursement_dateMÉTODO
POSTResponse Body
{
"disbursement_accounts": [
{
"account_branch": "1232",
"account_digit": "4",
"account_number": "412412412",
"account_type": "checking_account",
"amount_receivable": null,
"created_at": "2022-05-24T14:51:46",
"digitable_line": null,
"disbursement_type": "ted",
"document_number": "37197645832",
"financial_institutions": {
"code_number": 184,
"ispb": 17298092,
"name": "BCO ITAÚ BBA S.A."
},
"financial_institutions_code_number": 184,
"is_pix_disbursement": false,
"ispb": "17298092",
"name": "Márcio e Catarina Gráfica Ltda",
"percentage_receivable": 50.0,
"pix_key": null,
"pix_transfer_key": null,
"pix_type": null,
"qr_code_key": null,
"retry_counter": 0,
"retry_vector": null,
"transaction_key": null,
"webhook_key": null
}
],
"disbursement_date": "2022-11-04"
}
10 - Recuperar resposta da última request
O last response é uma forma de mapear, de forma simples e objetiva, a resposta da comunicação entre a QI e a Dataprev, possibilitando saber quando essa requisição foi feita e qual o retorno obtido (através de um enumerador). Os enumeradores estão diretamente relacionados aos códigos de retorno da Dataprev e são divididos em duas formas: "errors" e "success".
Cada enumerador tem uma descrição detalhada e o código de referência da Dataprev. Podemos conferir abaixo, com mais detalhes, como serão apresentados os dados do last response.
Casos de sucesso
Request
ENDPOINT
/debt/DEBT-KEY/collateralMÉTODO
GETResponse
Response Body
{
"collateral_constituted": true,
"collateral_type": "type",
"updated_at": "2023-05-24 19:13:02",
"collateral_data": {
"state": "SP",
"benefit_number": 1976703155,
"status": "reserved",
"last_response": {
"success": [
{
"enumerator": "succesfully_included",
"reservation_method" : "new_credit"
}
]
},
"last_response_event_datetime": "2023-05-22T19:13:02Z"
}
}
Detalhamento de campos no retorno da request
| Campo | Descrição | Valores |
|---|---|---|
| enumerator | Retorno mapeado do código Dataprev | Enumeradores |
| reservation_method | Método de averbação da reserva | portability, new_credit, refinancing |
Casos de erro
Request
ENDPOINT
/debt/DEBT-KEY/collateralMÉTODO
GETResponse
Response Body
{
"collateral_constituted": false,
"collateral_type": "type",
"updated_at": "2023-05-24 19:13:02",
"collateral_data": {
"state": "SP",
"benefit_number": 1976703155,
"status": "pending_reservation",
"last_response": {
"errors": [
{
"enumerator": "benefit_blocked_by_tbm",
"reservation_method" : "new_credit"
}
]
},
"last_response_event_datetime": "2023-05-22T19:13:02Z"
}
}
Detalhamento de campos no retorno da request
| Campo | Descrição | Valores |
|---|---|---|
| enumerator | Retorno mapeado do código Dataprev | Enumeradores |
| reservation_method | Método de averbação da reserva | portability, new_credit, refinancing |
11 - Recuperar última consulta do benefício
Por esse endpoint é possível consultar quando foi a última consulta do benefício na Dataprev.
Request
ENDPOINT
/social_security/benefit/BENEFIT-NUMBERMÉTODO
GETResponse
Response Body
{
"last_balance_check": "2025-08-22T19:13:02Z",
"status": "pending_balance_request"
}
12 - Webhook de resposta da última tentativa de averbação
Caso a operação não tenha sucesso na averbação, a mesma ficará em retentativa e será enviado o seguinte webhook, detalhando o motivo da não averbação, o horário desta tentativa e o método de averbação utilizado:
WEBHOOK_TYPE
credit_operation.collateral
Body:
body.json
{
"webhook_type": "credit_operation.collateral",
"key": "\<CREDIT-OPERATION-KEY\>",
"event_time": "2022-11-24T15:42:12",
"data": {
"collateral_type": "social_security",
"collateral_constituted": false,
"collateral_data": {
"status": "pending_reservation",
"last_response": {
"errors": [{
"enumerator": "consignable_margin_excceded"
}]
},
"last_response_event_datetime": "2023-05-22T19:13:02Z",
"reservation_method": "new_credit",
}
}
}
13. Mapeamento de enumeradores
Tabela de retorno de erros Dataprev - averbação
| Código Dataprev | Enumerador | Descrição | Ação Qi |
|---|---|---|---|
| HW | consignable_margin_excceded | Exceeded consignable margin | Teimosinha |
| IT | benefit_blocked_by_tbm | Benefit blocked due to benefit transfer | Teimosinha |
| IE | benefit_blocked_by_beneficiary | Benefit blocked by beneficiary | Teimosinha |
| AN | invalid_disbursement_account | Invalid disbursement bank account | Cancelar |
| HX | reservation_already_included | Reservation already included | Confirmar averbação |
| IF | benefit_blocked_by_granting_process | Benefit blocked during granting process | Teimosinha |
| AV | processing_payroll | Operation couldn`t be done during processing payroll period | Teimosinha |
| OF | invalid_cbc | Invalid cbc | Teimosinha |
| IA | first_name_mismatch | First name mismatch benefit owner or legal representative | Teimosinha |
| OS | legal_representative_document_number_mismatch | Document number mismatch legal representative | Teimosinha |
| AY | invalid_state | Invalid state | Teimosinha |
| HZ | operation_not_allowed_on_this_reservation_status | Operation couldn`t be done with current reservation status | Teimosinha |
| AP | invalid_contract_date | Accrual, end or start contract date is invalid | Teimosinha |
| GA | required_fields_missing | Required fields are missing | Teimosinha |
| BC | cbc_missing | CBC is missing | Teimosinha |
| NC | contract_number_missing | Contract number is missing | Teimosinha |
| NB | benefit_number_missing | Benefit number is missing | Teimosinha |
| CA | invalid_bank_code | Invalid bank code | Teimosinha |
| HR | exceeded_number_of_allowed_contracts | Amount of contracts is above the limit | Teimosinha |
| PV | invalid_image_format | Image with wrong format | Teimosinha |
| IR | operation_not_allowed_IR | Operation date is greater than benefit expiration | Cancelar |
| PK | wrong_bank_code_destination | Portability number was found with wrong bank code destination | Teimosinha |
| PH | wrong_benefit_number_on_portability | Portability number was found with wrong benefit number | Teimosinha |
| PI | invalid_contract_total_amount | Reservation contract total amount should be greater than Dataprev reference amount | Teimosinha |
Tabela de retorno de sucesso - averbação
| Código Dataprev | Enumerador | Descrição |
|---|---|---|
| BD | successfully_included | Inclusion has been successfully done |
| BF | successfully_removed | Removal has been successfully done |
| BR | successfully_reactivated | Reactivation has been successfully done |
| BS | successfully_suspended | Suspension has been successfully done |
Tabela de retorno de erros na consulta de saldo
| Código | Enumerador | Descrição |
|---|---|---|
| CR | not_found_legal_representative | no legal representative for the beneficiary |
| CD | inexistent_beneficiary | no beneficiary found |
| AS | benefity_without_legal_representative | beneficiary does not have a legal representative |
| BI | inexistent_benefit | no benefit found |
| D1 | inconsistent_balance_benefit_data | The balance benefit data registered is either inconsistent, null or incomplete. |
Tabela de retorno de erros na consulta de benefícios
| Código | Enumerador | Descrição |
|---|---|---|
| CR | not_found_legal_representative | no legal representative for the beneficiary |
| CD | inexistent_beneficiary | no beneficiary found |
| AS | benefity_without_legal_representative | beneficiary does not have a legal representative |
Tabela de situação de benefícios
| Items |
|---|
| active |
| excluded |
| terminated |
| suspended |
| suspended_by_CONPAG |
| terminated_by_SISOBI |
| receiving_monthly_recover_6_months |
| receiving_monthly_recover_18_months |
| suspended_by_name_error |
| suspended_by_credentialed_payer |
| suspended_by_inspection |
| suspended_by_audit |
| terminated_by_inspection |
| terminated_by_audit |
| receiving_monthly_recover_6_months_inspection |
| receiving_monthly_recover_18_months_inspection |
| suspended_by_SISOBI |
| canceled_by_audit |
Tabela de status de benefícios
| Enumerador | Descrição |
|---|---|
| Elegible | Elegível para empréstimo |
| Inelegible | Benefício inelegível para empréstimo |
| Blocked | Benefício elegível, porém bloqueado para empréstimo |
Tabela de tipos de bloqueio
| Enumerador | Descrição |
|---|---|
| not_blocked | Sem bloqueio |
| blocked_by_benefitiary | Bloqueado pelo Segurado |
| blocked_by_tbm | Bloqueado por TBM |
| blocked_in_concession | Bloqueado na Concessão |
Tabela de tipos de politicamente exposto
| Enumerador | Descrição |
|---|---|
| 0 | Pessoa Não Exposta Politicamente |
| 1 | Pessoa Exposta Politicamente - Nível 1 |
Tabela de benefícios
| código | benefício |
|---|---|
| 1 | pension_by_death_rural_worker |
| 2 | pension_by_death_accident_rural_worker |
| 3 | pension_by_death_rural_employer |
| 4 | retirement_invalidity_rural_emploee |
| 5 | retirement_invalidity_accident_rural_worker |
| 6 | retirement_invalidity_rural_employer |
| 7 | retirement_by_eldness_rural_worker |
| 8 | retirement_by_age_rural_employer |
| 9 | complement_by_work_accident_rural_worker |
| 11 | support_invalidity_rural_worker |
| 12 | support_by_age_rural_worker |
| 13 | aid_sickness_rural_worker |
| 15 | aid_time_off_rural_worker |
| 16 | aid_federal |
| 17 | international_agreement |
| 18 | inclusion_benefit |
| 19 | pension_student_law7004 |
| 20 | pension_by_death_diplomat |
| 21 | pension_by_death |
| 22 | pension_by_death_statute |
| 23 | pension_by_death_veteran |
| 24 | pension_special_institutional_act |
| 25 | aid_time_off |
| 26 | pension_by_death_special_law593 |
| 27 | pension_by_death_federal_emploee |
| 28 | pension_by_death_general_regime_law20465 |
| 29 | pension_by_death_marine_veteran |
| 30 | monthly_income_lifetime_invalidity |
| 31 | aid_sickness |
| 32 | retirement_invalidity_social_security |
| 33 | retirement_invalidity_aeronautic |
| 34 | retirement_invalidity_marine_law1756 |
| 35 | aid_sickness_veteran |
| 36 | aid_social_security_accident |
| 37 | retirement_capin_extra_emploee |
| 38 | retirement_federal_extra_emploee |
| 39 | aid_invalidity_student_law7004 |
| 40 | monthly_income_lifetime_by_age_upper70_law6179 |
| 41 | retirement_by_age |
| 42 | retirement_by_contribution_time |
| 43 | retirement_by_time_of_service_veteran |
| 44 | retirement_special_aeronautic |
| 45 | retirement_by_time_of_service_journalist |
| 46 | retirement_special |
| 47 | allowance_25 |
| 48 | allowance_20 |
| 49 | retirement_ordinary |
| 50 | aid_sickness_extinct_basic_plan |
| 51 | retirement_invalidity_extinct_basic_plan |
| 52 | retirement_by_age_extinct_basic_plan |
| 53 | aid_time_off_extinct_basic_plan |
| 54 | pension_indemnity_federal |
| 55 | pension_by_death_extinct_basic_plan |
| 56 | pension_lifetime_syndrome_thalidomide |
| 57 | retirement_by_teacher_labor_time |
| 58 | retirement_anisty |
| 59 | pension_by_death_amnesty |
| 60 | indemnity |
| 61 | aid_birth |
| 62 | aid_funeral |
| 63 | aid_funeral_rural_worker |
| 64 | aid_funeral_rural_employer |
| 65 | savings_special_autarchy |
| 67 | savings_mandatory_ipase_law5128 |
| 68 | savings_special_retirement_ps_affiliated_upper60 |
| 69 | savings_student_law7004 |
| 70 | restitution |
| 71 | monthly_income |
| 72 | retirement_by_time_of_service_law1756 |
| 73 | monthly_income_family_statute |
| 74 | complement_pension_federal |
| 75 | complement_retirement_federal |
| 76 | monthly_income_statute |
| 77 | monthly_income_sinpas_family_statute |
| 78 | retirement_by_age_law1756 |
| 79 | advantage |
| 80 | monthly_income_maternity |
| 81 | compulsory_retirement |
| 82 | retirement_by_time_of_service_sasse |
| 83 | retirement_invalidity_ex_sasse |
| 84 | pension_by_death_sasse |
| 85 | pension_lifetime_rubber_tapper_law7986 |
| 86 | pension_lifetime_rubber_tapper_dependent_law7986 |
| 87 | continuous_aid_physical_disabilities |
| 88 | continuous_aid_eldness |
| 89 | pension_special_hemodialysis_victim_caruaru |
| 90 | medic_assistency_work_accident |
| 91 | aid_sickness_by_work_accident |
| 92 | retirement_invalidity_work_accident |
| 93 | pension_by_death_work_accident |
| 94 | aid_work_accident |
| 95 | aid_additional_work_accident |
| 96 | pension_special_leprosy_law11520 |
| 97 | savings_by_death_work_accident |
| 98 | aid_longshoreman |
| 99 | time_off_15 |