Criação - Refinanciamento BNPL
Resumo
A criação de um refinanciamento utiliza o mesmo endpoint e payload da emissão (/signed_debt), com a adição do objeto refinanced_credit_operations contendo a lista de operações que serão quitadas. O somatório do valor presente dos contratos anteriores será retido e apenas o excedente será liberado na conta do tomador.
Request
ENDPOINT
/signed_debtMÉTODO
POSTRequest Body
{
"borrower": {
"name": "Dante Ferrarini",
"email": "",
"phone": {
"number": "185633631",
"area_code": "15",
"country_code": "086"
},
"is_pep": false,
"address": {
"city": "São Paulo",
"state": "SP",
"number": "",
"street": "Rua Gilberto Sabino",
"postal_code": "05425020",
"neighborhood": "Pinheiros",
"complement": ""
},
"role_type": "issuer",
"birth_date": "1993-09-10",
"person_type": "natural",
"attached_documents_list": [
{
"selfie": "250e7e95-57c8-40bd-a0cd-0be8eb172916"
}
],
"individual_document_number": "31057466093"
},
"financial": {
"disbursed_amount": 1007.63,
"interest_type": "pre_price_days",
"credit_operation_type": "ccb",
"annual_interest_rate": 2.32,
"disbursement_date": "2026-04-07",
"interest_grace_period": 0,
"principal_grace_period": 0,
"number_of_installments": 3,
"fine_configuration": {
"contract_fine_rate": 0.02,
"interest_base": "calendar_days",
"monthly_rate": 0.01
}
},
"simplified": true,
"additional_data": {
"contract": {
"contract_number": "DWFR00000012",
"signatures": [
{
"signer": {
"name": "Dante Ferrarini",
"email": "",
"phone": {
"number": "185633631",
"area_code": "15",
"country_code": "086"
},
"document_number": "31057466093"
},
"signature": {
"timestamp": "2026-04-08T00:40:30Z",
"ip_address": "192.168.1.1",
"signature_file": {
"file_url": "https://qitech.com.br/signature.pdf",
"file_type": "pdf"
}
}
}
]
}
},
"refinanced_credit_operations": [
{
"operation_key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c"
}
],
"requester_identifier_key": "d2107ef5-19df-4183-bf0e-802b8229933c",
"purchaser_document_number": "32402502000135",
"disbursement_bank_accounts": [
{
"name": "company name",
"ispb_number": "32402502",
"account_digit": "5",
"branch_number": "0001",
"account_number": "7617846",
"document_number": "32246162000281",
"percentage_receivable": 100
}
]
}
Atenção
O payload é idêntico ao da emissão (/signed_debt), com a adição do campo refinanced_credit_operations contendo a lista de operações a serem quitadas.
Detalhes do Request Body
O payload contém todos os campos da Emissão BNPL, com a adição de:
| Campo | Tipo | Descrição | Caracteres |
|---|---|---|---|
| refinanced_credit_operations* | array | Lista de operações a serem refinanciadas | Objeto Refinanced Credit Operations |
Todos os demais campos seguem a mesma especificação da emissão:
Diferença no Objeto Financial
No refinanciamento, o campo financial utiliza annual_interest_rate ao invés de monthly_interest_rate, e o disbursed_amount deve ser o valor presente total da operação a ser refinanciada (obtido na consulta de valor presente).
Objeto Refinanced Credit Operations
| Campo | Tipo | Descrição | Caracteres |
|---|---|---|---|
operation_key* | string | Chave da operação a ser refinanciada (DEBT-KEY da operação original) | UUID |
Response
A resposta segue o mesmo formato da emissão de dívida, retornando a DEBT-KEY do novo contrato.
STATUS
201Response Body
{
"webhook_type": "debt",
"key": "290f042f-eedd-4d9d-b621-3a81df0181b6",
"status": "opened",
"event_datetime": "2026-04-08 00:40:37",
"data": {
"borrower": {
"name": "Dante Ferrarini",
"document_number": "31057466093",
"related_party_key": "3d62f3c6-1ae5-49f9-aa5d-21a08d95aad6"
},
"contract": {
"document_key": null,
"number": "DWFR00000012",
"urls": [],
"signature_information": [
{
"signer_name": "Dante Ferrarini",
"signer_document_number": "31057466093",
"signer_role": "issuer",
"signer_email": null,
"signer_external_key": null,
"signature_url": null
}
]
},
"requester_identifier_key": "d2107ef5-19df-4183-bf0e-802b8229933c",
"iof_charge_method": "financed",
"collaterals": [],
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 3.05
},
{
"fee_type": "spread_refinancing",
"fee_amount": 3.02
}
],
"external_contract_fees": [
{
"fee_type": "tac",
"fee_amount": 0,
"tax_amount": 0,
"net_fee_amount": 0
}
],
"external_contract_fee_amount": 0,
"net_external_contract_fee_amount": 0,
"contract_fee_amount": 6.07,
"issue_amount": 1016.72,
"assignment_amount": 1022.79,
"cet": "11,1900%",
"annual_cet": "256,9982%",
"number_of_installments": 3,
"base_iof": 5.23,
"additional_iof": 3.86,
"total_iof": 9.09,
"ipoc_code": "324025020203131057466093DWFR00000012",
"prefixed_interest_rate": {
"annual_rate": 2.32,
"created_at": "2026-04-08T00:40:30",
"daily_rate": 0.0033387969,
"interest_base": "calendar_days",
"monthly_rate": 0.1051676747
},
"installments": [
{
"accrual_reference_date": null,
"additional_costs": [],
"advanced_paid_amount": 0,
"bank_slip_key": null,
"business_due_date": "2026-05-07",
"calendar_days": 30,
"digitable_line": null,
"due_date": "2026-05-07",
"due_interest": 0,
"due_principal": 1016.72,
"fine_amount": null,
"has_interest": true,
"installment_history": [],
"installment_key": "52810e9d-0815-4fd1-ab20-d8b37dcd936e",
"installment_number": 1,
"installment_payment": [],
"installment_status": "created",
"installment_type": "principal",
"original_due_principal": 1016.72,
"original_pre_fixed_amount": 106.92260459,
"original_principal_amortization_amount": 306.50739541,
"original_total_amount": 413.43,
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 106.92260459,
"principal_amortization_amount": 306.50739541,
"qr_code_key": null,
"qr_code_url": null,
"renegotiation_proposal_key": null,
"tax_amount": 0.75400819,
"total_accrual_amount": null,
"total_amount": 413.43,
"total_paid_amount": 0,
"workdays": 20
},
{
"accrual_reference_date": null,
"additional_costs": [],
"advanced_paid_amount": 0,
"bank_slip_key": null,
"business_due_date": "2026-06-08",
"calendar_days": 31,
"digitable_line": null,
"due_date": "2026-06-07",
"due_interest": 0,
"due_principal": 710.21260459,
"fine_amount": null,
"has_interest": true,
"installment_history": [],
"installment_key": "2bcfe19e-9847-4c8f-be80-17f646a897c4",
"installment_number": 2,
"installment_payment": [],
"installment_status": "created",
"installment_type": "principal",
"original_due_principal": 710.21260459,
"original_pre_fixed_amount": 77.30856978,
"original_principal_amortization_amount": 336.12143022,
"original_total_amount": 413.43,
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 77.30856978,
"principal_amortization_amount": 336.12143022,
"qr_code_key": null,
"qr_code_url": null,
"renegotiation_proposal_key": null,
"tax_amount": 1.68127939,
"total_accrual_amount": null,
"total_amount": 413.43,
"total_paid_amount": 0,
"workdays": 20
},
{
"accrual_reference_date": null,
"additional_costs": [],
"advanced_paid_amount": 0,
"bank_slip_key": null,
"business_due_date": "2026-07-07",
"calendar_days": 30,
"digitable_line": null,
"due_date": "2026-07-07",
"due_interest": 0,
"due_principal": 374.09117437,
"fine_amount": null,
"has_interest": true,
"installment_history": [],
"installment_key": "7cf785c9-b6cf-4e9b-9c09-61d917bc72b8",
"installment_number": 3,
"installment_payment": [],
"installment_status": "created",
"installment_type": "principal",
"original_due_principal": 374.09117437,
"original_pre_fixed_amount": 39.33882563,
"original_principal_amortization_amount": 374.09117437,
"original_total_amount": 413.43,
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 39.33882563,
"principal_amortization_amount": 374.09117437,
"qr_code_key": null,
"qr_code_url": null,
"renegotiation_proposal_key": null,
"tax_amount": 2.79146834,
"total_accrual_amount": null,
"total_amount": 413.43,
"total_paid_amount": 0,
"workdays": 22
}
],
"total_pre_fixed_amount": 223.57
}
}
Observação
- O valor presente das operações listadas em
refinanced_credit_operationsserá automaticamente retido para quitação dos contratos anteriores - Apenas o excedente (diferença entre o valor desembolsado e o valor retido) será liberado na conta do tomador
- Após a criação, os contratos refinanciados serão automaticamente liquidados
- Os webhooks de emissão (assinatura, desembolso, cancelamento) seguem o mesmo padrão descrito na seção de Webhooks da Emissão