Manual Consignado Privado - Crédito Novo
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.
1 - Consulta dos vínculos empregatícios com formalização do Termo de Autorização realizada através do parceiro:
Request
Caso 1: Titular da matrícula é o assinante do Termo de Autorização.
ENDPOINT
/private_payroll/employment_relationships_inquiryMÉTODO
POSTRequest Body
{
"document_number": "<CPF FUNCIONÁRIO>",
"authorization_term": {
"signature": {
"signer": {
"name": "<NOME DO ASSINANTE>",
"email": "<EMAIL DO ASSINANTE>",
"phone": {
"number": "<NUMERO DO ASSINANTE>",
"area_code": "<DDD DO ASSINANTE>",
"country_code": "55"
},
"document_number": "<CPF DO ASSINANTE>"
},
"authentication_type": "opt_in",
"authenticity": {
"timestamp": "<DATA E HORA DA ASSINATURA>",
"ip_address": "<IP DO ASSINANTE>",
"fingerprint": {},
"session_id": "<ID DA SESSÃO DO ASSINANTE>"
}
}
}
}
Caso 2: Titular da matrícula não é o assinante do Termo de Autorização (com representante legal).
ENDPOINT
/private_payroll/employment_relationships_inquiryMÉTODO
POSTRequest Body
{
"document_number": "<CPF FUNCIONÁRIO>",
"authorization_term": {
"legal_representative_document_number": "<CPF DO ASSINANTE>",
"signature": {
"signer": {
"name": "<NOME DO ASSINANTE>",
"email": "<EMAIL DO ASSINANTE>",
"phone": {
"number": "<NUMERO DO ASSINANTE>",
"area_code": "<DDD DO ASSINANTE>",
"country_code": "55"
},
"document_number": "<CPF DO ASSINANTE>"
},
"authentication_type": "opt_in",
"authenticity": {
"timestamp": "<DATA E HORA DA ASSINATURA>",
"ip_address": "<IP DO ASSINANTE>",
"fingerprint": {},
"session_id": "<ID DA SESSÃO DO ASSINANTE>"
}
}
}
}
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
/private_payroll/employment_relationships_inquiryMÉTODO
POSTResponse Body
{
"employment_relationships_inquiry_key": "<UUID DA CONSULTA DE VÍNCULOS EMPREGATÍCIOS>",
"status": "pending_inquiry"
}
Webhooks
WEBHOOK_TYPE
employment_relationships_inquiry
Retorno da consulta dos vínculos empregatícios:
STATUS
Success
Webhook Body
{
"webhook_type": "employment_relationships_inquiry",
"key": "<UUID employment_relationships_inquiry_key>",
"event_datetime": "2025-02-21T14:30:25Z",
"status": "success",
"data": [
{
"cpf": "47812365409",
"registration_number": "99999999999-A",
"employer_document_number": "20497905000126",
"eligible": true
},
{
"cpf": "52314789632",
"registration_number": "99999999999-B",
"employer_document_number": "33296860000173",
"eligible": false
}
]
}
STATUS
Failure
Webhook Body
{
"webhook_type": "employment_relationships_inquiry",
"key": "<UUID employment_relationships_inquiry_key>",
"event_datetime": "2025-02-21T14:30:25Z",
"status": "failure",
"data": {
"enumerator": "not_found_legal_representative",
"description": "no legal representative for the employee"
}
}
Simulando cenários de sucesso e falha na consulta de vínculos empregatícios em Sandbox:
A simulação de cenários é baseada no CPF informado na operação.
- Para CPFs iniciados com o número 1, será retornado uma resposta assíncrona de sucesso através do Webhook.
- 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 | employee_not_found | employee not found |
Atenção
Para o resto dos CPFs (que não se enquadram nos cenários anteriores), o sistema retornará um webhook de erro indicando que o cenário de teste não está mapeado, conforme tabela abaixo:
| Enumerador | Descrição |
|---|---|
| mock_error | Informed document number is not a valid mock on test environment |
2 - Consulta de dados da margem consignável:
Caso 1
Consulta de dados da margem consignável com o Termo de Autorização previamente enviado.
Request
ENDPOINT
/private_payroll/balance_inquiryMÉTODO
POSTRequest Body
{
"document_number": "<CPF FUNCIONÁRIO>",
"registration_number": "<NÚMERO DE MATRÍCULA>"
}
Response
ENDPOINT
/private_payroll/balance_inquiryMÉTODO
POSTResponse Body
{
"balance_inquiry_key": "<UUID DA CONSULTA DA MARGEM CONSIGNÁVEL>",
"status": "pending_inquiry"
}
Caso 2
Consulta de dados da margem consignável com envio do Termo de Autorização.
Request
ENDPOINT
/private_payroll/balance_inquiryMÉTODO
POSTRequest Body
{
"document_number": "<CPF FUNCIONÁRIO>",
"registration_number": "<NÚMERO DE MATRÍCULA>",
"authorization_term": {
"legal_representative_document_number": "<CPF DO REPRESENTANTE LEGAL>", // Caso aplicável
"signature": {
"signer": {
"name": "<NOME DO ASSINANTE>",
"email": "<EMAIL DO ASSINANTE>",
"phone": {
"number": "<NUMERO DO ASSINANTE>",
"area_code": "<DDD DO ASSINANTE>",
"country_code": "55"
},
"document_number": "<CPF DO ASSINANTE>"
},
"authentication_type": "opt_in",
"authenticity": {
"timestamp": "<DATA E HORA DA ASSINATURA>",
"ip_address": "<IP DO ASSINANTE>",
"fingerprint": {},
"session_id": "<ID DA SESSÃO DO ASSINANTE>"
}
}
}
}
Response
ENDPOINT
/private_payroll/balance_inquiryMÉTODO
POSTResponse Body
{
"balance_inquiry_key": "<UUID DA CONSULTA DA MARGEM CONSIGNÁVEL>",
"status": "pending_inquiry"
}
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.
Webhooks
WEBHOOK_TYPE
balance_inquiry
Retorno da consulta da margem consignável:
STATUS
Success
Webhook Body
{
"webhook_type": "balance_inquiry",
"key": "<UUID balance_inquiry_key>",
"event_datetime": "2024-02-21T14:30:25Z",
"status": "success",
"data": {
"document_number": "99999999999",
"registration_number": "99999999999-A",
"employer_document_number": "99999999999962",
"name": "JOÃO SILVA",
"gender": "male",
"birth_date": "1985-07-20",
"worker_category_code": 101,
"eligible": true,
"total_due_balance": 5000.00,
"margin_base_value": 4500.00,
"available_margin_value": 500.00,
"admission_date": "2020-03-15",
"termination_date": null,
"termination_reason_code": null,
"is_pep": false,
"employer_name": "EMPRESA XYZ LTDA",
"mother_name": "MARIA DA SILVA",
"nationality": "Brasil",
"occupation_code": 2515,
"economic_activity": 6201,
"employer_activity_start_date": "2010-05-12",
"alerts": [
{
"alert_type": "leave",
"reference_date": "2025-02-11",
"event_id": 123456,
"leave_reason_code": 3,
"leave_start_date": "2025-02-11",
"leave_end_date": "2025-03-11"
},
{
"alert_type": "termination",
"reference_date": "2025-02-11",
"event_id": 789012,
"termination_reason_code": 1,
"termination_date": "2025-02-11",
"notice_period_start_date": "2025-01-11",
"notice_period_end_date": "2025-02-11"
}
]
}
}
STATUS
Failure
Webhook Body
{
"webhook_type": "balance_inquiry",
"key": "<UUID balance_inquiry_key>",
"event_datetime": "2024-02-21T14:30:25Z",
"status": "failure",
"data": {
"enumerator": "employee_not_found",
"description": "employee not found"
}
}
Simulando cenários de sucesso e falha na consulta de margem consignável em Sandbox:
A simulação de cenários é baseada no CPF informado na operação.
- Para CPFs iniciados com o número 1, será retornado uma resposta assíncrona de sucesso através do Webhook.
- 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 | employee_not_found | employee not found |
Atenção
Para o resto dos CPFs (que não se enquadram nos cenários anteriores), o sistema retornará um webhook de erro indicando que o cenário de teste não está mapeado, conforme tabela abaixo:
| Enumerador | Descrição |
|---|---|
| mock_error | Informed document number is not a valid mock on test environment |
3 - Simulação da dívida:
CRÉDITO NOVO
Request
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": "private_payroll"
}
]
}
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": "private_payroll"
}
]
}
info
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": "2024-12-21",
"installments": [
{
"calendar_days": 34,
"workdays": 23.0,
"business_due_date": "2024-12-21",
"due_date": "2024-12-21",
"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": "2025-01-21",
"due_date": "2025-01-21",
"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": "2025-02-21",
"due_date": "2025-02-21",
"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": "2025-03-21",
"due_date": "2025-03-21",
"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": "2025-01-21",
"installments": [
{
"calendar_days": 62,
"workdays": 41.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"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": "2025-02-21",
"due_date": "2025-02-21",
"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": "2025-03-21",
"due_date": "2025-03-21",
"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": "2025-01-21",
"installments": [
{
"calendar_days": 61,
"workdays": 40.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"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": "2025-02-21",
"due_date": "2025-02-21",
"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": "2025-03-21",
"due_date": "2025-03-21",
"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": "2025-01-21",
"installments": [
{
"calendar_days": 60,
"workdays": 39.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"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": "2025-02-21",
"due_date": "2025-02-21",
"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": "2025-03-21",
"due_date": "2025-03-21",
"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": "2025-04-21",
"due_date": "2025-04-21",
"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:
O campo "registration_number", localizado dentro do objeto "collateral_data", refere-se ao número de matrícula de um vínculo empregatício. O mesmo é retornado na consulta de vínculos empregatícios.
CRÉDITO NOVO
Request
ENDPOINT
/debtMÉTODO
POST- Sem representante legal
- Com representante legal
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": "2023-09-21",
"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,
"rebates": [ // Opcional
{
"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"
}
]
},
"simplified": true,
"collaterals": [
{
"collateral_data": {
"employer_document_number": "07940839000159",
"registration_number": "99999999999-A"
},
"collateral_type": "private_payroll"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644799"
}
},
"purchaser_document_number": "32402502000135",
"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"
},
"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": "2024-09-21",
"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,
"rebates": [ // Opcional
{
"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"
}
]
},
"simplified": true,
"collaterals": [
{
"collateral_data": {
"employer_document_number": "07940839000159",
"registration_number": "99999999999-A"
},
"collateral_type": "private_payroll"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"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
}
]
}
Response
ENDPOINT
/debtMÉTODO
POSTResponse Body
Response 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": {
"registration_number": "99999999999-A",
"employer_document_number": "07940839000159"
},
"collateral_key": "26c7f4f4-51f3-41fa-b880-9691211136aa",
"collateral_type": "private_payroll",
"created_at": "2024-11-07T23:19:16.413448",
"external_key": null,
"percentage": 1,
"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": "2025-01-21",
"calendar_days": 74,
"due_date": "2025-01-21",
"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": "2025-02-21",
"calendar_days": 31,
"due_date": "2025-02-21",
"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": "2025-03-21",
"calendar_days": 28,
"due_date": "2025-03-21",
"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": "2025-04-21",
"calendar_days": 33,
"due_date": "2025-04-21",
"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": "2025-05-21",
"calendar_days": 28,
"due_date": "2025-05-21",
"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": "2025-06-21",
"calendar_days": 31,
"due_date": "2025-06-21",
"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": "2025-08-21",
"calendar_days": 30,
"due_date": "2025-08-21",
"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": "2025-09-21",
"calendar_days": 33,
"due_date": "2025-09-21",
"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": "2025-10-21",
"calendar_days": 28,
"due_date": "2025-10-21",
"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": "2025-01-21",
"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": [
{
"additional_costs": [],
"business_due_date": "2025-01-21",
"calendar_days": 73,
"due_date": "2025-01-21",
"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": "2025-02-21",
"calendar_days": 31,
"due_date": "2025-02-21",
"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": "2025-03-21",
"calendar_days": 28,
"due_date": "2025-03-21",
"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": "2025-04-21",
"calendar_days": 33,
"due_date": "2025-04-21",
"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
},
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"due_date": "2025-10-21",
"due_interest": 0.0,
"due_principal": 100.3055764542,
"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": 2.79659222089858,
"total_amount": 101.84,
"workdays": 20.0,
"installment_status": null,
"installment_type": null
}
],
"first_due_date": "2025-01-21",
"prefixed_interest_rate": {
"monthly_rate": 0.0166,
"daily_rate": 0.00054142,
"annual_rate": 0.21843191,
"interest_base": "calendar_days_365"
}
}
]
}
}
Webhooks
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
debt
STATUS
Canceled
Webhook Body
Webhook 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 falha na averbação em Sandbox:
A simulação de cenários é baseado no primeiro dígito do CPF informado na operação.
- Para CPFs iniciados com o número 1, será retornado uma resposta assíncrona de sucesso através do Webhook.
- Para os demais CPFs, será retornado uma resposta assíncrona de erro, baseado no primeiro dígito do CPF digitado, de acordo com a tabela abaixo.
- 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 |
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 - Coleta de documentos e formalização da operação
É obrigatório o envio (segundo IN 138) dos dados complementares do contrato.
A coleta de documentos será feita exclusivamente através do QI Sign e, em seguida, a operação irá diretamente para o fluxo de formalização.
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
6 - 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 a margem consignável previamente. Para isso basta seguir os passos do item 2 - Consulta de dados da margem consignável.
Falha na averbação por margem exedida
Se uma reserva com categoria de nova matrícula 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
private_payroll_margin_exceeded_for_new_registration
STATUS
Pending requester action
Webhook Body
Webhook Body
{
"webhook": {
"key": "<DEBT-KEY>",
"data": {
"enumerator": "margin_exceeded_for_new_registration",
"description": "The margin for this reservation has been exceeded. Reservation Amount: 551.18",
},
"status": "pending_requester_action",
"webhook_type": "private_payroll_margin_exceeded_for_new_registration",
"event_datetime": "2024-10-15T15:33:59"
}
}
Falha na averbação por falta de uma consulta de dados válida da margem consignável
Se uma consulta dos dados da margem consignável 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
private_payroll_success_balance_request_not_found
STATUS
Pending requester action
Webhook Body
Webhook Body
{
"webhook": {
"key": "<DEBT-KEY>",
"data": {
"enumerator": "success_balance_inquiry_not_found",
"description": "Success balance inquiry not found for the specified registration number"
},
"status": "pending_requester_action",
"webhook_type": "private_payroll_success_balance_inquiry_not_found",
"event_datetime": "2024-10-15T15:33:59"
}
}
Para prosseguir, as seguintes ações deverão ser tomadas:
- Realizar a consulta dos dados da margem consignável em questão seguindo os passos do item 2 - Consulta de dados da margem consignável;
- Enviar uma requisição no formato abaixo para informar que a consulta foi realizada.
ENDPOINT
/private_payroll/reservation/external_key/DEBT-KEY/validate_reservationMÉTODO
POSTImportante
Essa requisição não apenas confirma a existência de uma consulta válida dos dados da margem consignável, mas também verifica se as informações enviadas para a criação da averbação estão corretas, permitindo assim a continuidade do processo.
Sucesso na averbação
Em caso de sucesso na averbação o parceiro receberá o seguinte webhook:
WEBHOOK_TYPE
credit_operation.collateral
STATUS
Success
Webhook Body
{
"key": "<DEBT-KEY>",
"data": {
"collateral_type": "private_payroll",
"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 da matrícula e o nome do empregado do contrato em tentativa de averbação. Para isso basta utilizar a seguinte chamada:
ENDPOINT
/debt/DEBT-KEY/collateralMÉTODO
PATCHRequest Body
- Dados Bancários
- Número da Matrícula
- Nome do Empregado
{
"disbursement_bank_account": {
"bank_code": "123",
"account_digit": "1",
"account_branch": "1234",
"account_number": "5678",
"document_number": "12345678901"
}
}
{
"registration_number": "99999999999-A"
}
{
"name": "Nome do Empregado"
}
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
debt
STATUS
canceled_permanently
Webhook Body
{
"key": "<DEBT-KEY>",
"data": {},
"status": "canceled_permanently",
"webhook_type": "debt",
"event_datetime": "2022-11-01 03:46:31"
}
7 - Falha no desembolso
TED
Em caso de falha no desembolso via TED
WEBHOOK_TYPE
debt
STATUS
canceled
Webhook Body
{
"status": "canceled",
"key": "<DEBT-KEY>",
"data": {
"ted_refusal": {
"transaction_key": "16faabfc-3876-437d-a4f6-aae17a1d68c9",
"description": "341 0000 000000-7 12345678900 - NOME DO EMPREGADO",
"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 DO EMPREGADO",
"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
debt
STATUS
canceled
Webhook Body
{
"webhook_type": "debt",
"data": {
"pix_refusal": {
"reason_enumerator": "invalid_document_number",
"reason": "CPF/CNPJ do usuário recebedor não é compatível com o titular da conta de destino."
},
"cancel_reason": "pix_refusal"
},
"status": "canceled",
"key": "<DEBT-KEY>",
"event_datetime": "2022-11-07 15:29:37"
}
8 - 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": "<CPF DO EMPREGADO>",
"bank_code": 184,
"ispb_number": "17298092",
"name": "<NOME DO EMPREGADO>",
"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"
}