Homologation Roadmap ANT Group - Credit for individuals
0 - Summary
The objective of this document is to guide ANT Group through the integration process with QI Tech's platform.
This document outlines the key steps involved and addresses potential questions. For further details, please refer to the full documentation provided in item 10.
Integration flow Overview
1 - Registration and Autentication LaaS APIs
1.1 - Sandbox registration
The master account in the Sandbox environment is created by the QI Tech team. This account allows for system operations such as adding users, accessing the documentation, sharing the API key, and configuring the Webhook URL.
To create the account, the following partner information is required: name, email, phone number* and tax registration number (CPF)*.
*: phone number and tax registration number (CPF) are applicable only to Brazilians citizens.
1.2 - Token Validation
Any changes made on the platform require approval via a token. To set up the token, click the arrow icon located at the top left of the site, next to the account name. This will display a "Request Token" button.
Upon clicking this button, an email will be sent containing a QR code. The QR code can be scanned using an authentication application. In the Sandbox environment, the recommended application is Google Authenticator.
Whenever authentication proof is needed for the profile, the token will be generated through the authentication app. If an issue arises with the token, you can follow the same steps to click "Remove Token" and then request a new one.
1.3 - Key exchange
Every information exchange between APIs must follow HTTPs1 and an asymmetric signature. Besides following AWS model, QI Tech adds a sign with two assimetric keys, adding a signature with two asymmetric keys, providing a nonrepudiation2 layer in the communication.
1: QI Tech only accepts HTTPS requests using TLS 2.0
2: Nonrepdvudiation is a security principle that ensures a party cannot deny an action they performed, such as sending information or signing a document.
Both requests and responses are signed, guaranteeing their authenticity. There are two distinct keys: one for signing (private key) and one for reading (public key). The signing process follows the JWT standard and the ECDSA-SHA512 cryptography algorithm. To read the JWT documentation is strongly recommended.
Attention!
The private key must remain confidential and should never be shared with anyone, including QI Tech. It is for your exclusive use, and sharing it could compromise the security of your requests.
Additionally, the QI Tech public key and the integration key are essential for communication with QI’s APIs and should be kept secure at all times.
1.3.a - Generating the Public and Private keys
To generate your private key on an UNIX computer, use:
$ ssh-keygen -t ecdsa -b 521 -m PEM -f jwtECDSASHA512.key
From this private key, you can generate the public key by using:
$ openssl ec -in jwtECDSASHA512.key -pubout -outform PEM -out jwtECDSASHA512.key.pub
1.3.b - Generating public key and integration key of QI Tech
As part of signing requests and responses, public keys must be exchanged. The user’s public key should be provided on the QI Tech platform, and QI Tech’s public key will be made available in return. This ensures that messages can be read on both ends of the communication. Additionally, a unique UUID key is generated to represent the API integration within the system.
To access the keys, log in to the QI Tech platform in the Sandbox environment. Navigate to "My Profile" in the left-side menu, then go to the "Integration" tab. Enter the public key in the designated field and click “SAVE KEY.” Once saved, QI Tech’s public key and integration key will be displayed in the fields below.
1.4 - Testing authentication
To check the full step-by-step documentation on how to test the authentication, please follow this link.
1.4.a - Method GET
ENDPOINT
/test/API_KEY*METHOD
GET*API_KEY (string): Client's API_KEY.
1.4.b - Method POST
ENDPOINT
/test/API_KEY*METHOD
POSTRequest Body
{
"name": "QI Tech"
}
*API_KEY (string): Clinet's API_KEY.
1.5 - Webhook set up
To set up the notification reception URL, log in to the QI Tech platform. Click on "My Profile" in the left-side menu, then go to the "Integration" tab. After that, enter your URL in the "Webhook Settings" section of the page and click the “SAVE” button. If it is necessary to configure headers for the notifications sent, you can use the following field as shown in the image below.
URL:
https://webhook.site/712a4e4e-a724-40b6-a257-8af7f63cead7
Headers:
{"Authorization": "https://webhook.site/712a4e4e-a724-40b6-a257-8af7f63cead7"}
Attention!
QI Tech's webhooks should not be strictly mapped. Additional fields may be included in the payloads of the webhooks returned by our APIs.
Attention!
The timeout for QI Tech's webhook responses is 5 seconds.
2 - Debt Issuance for Individuals
2.1 - Debt simulation
Request
In the example below, a debt simulation request is described.
ENDPOINT
/debt_simulationMETHOD
POSTRequest Body
{
"borrower": {
"person_type": "natural"
},
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-10-20",
"disbursement_date": "2024-09-20",
"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,
"disbursed_amount": 300,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
}
}
Response
STATUS
200Response Body
{
"type": "debt",
"key": "1c285258-cc5d-42df-8a95-e5a23cdf9a31",
"status": "finished",
"event_datetime": "2024-09-20 20:48:22",
"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": 0.21843191,
"monthly_rate": 0.0166,
"daily_rate": 0.00054142
},
"issue_date": "2024-09-20",
"number_of_installments": 84,
"requester_key": "9cdbe6f9-0e94-45a7-af5f-2cec36356493",
"final_disbursement_amount": 300.0,
"total_pre_fixed_amount": 268.6575172528548,
"iof_amount": 10.22,
"cet": 0.0178,
"annual_cet": 0.235729,
"disbursement_date": "2024-09-20",
"installments": [
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2024-10-21",
"due_date": "2024-10-21",
"due_principal": 311.78,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.27564315207909,
"tax_amount": 0.004154535107414953,
"total_amount": 6.91,
"principal_amortization_amount": 1.6343568479209098,
"installment_number": 1
},
{
"calendar_days": 30,
"workdays": 21.0,
"business_due_date": "2024-11-20",
"due_date": "2024-11-20",
"due_principal": 310.1456431520791,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.077320110892075,
"tax_amount": 0.009167064805317841,
"total_amount": 6.91,
"principal_amortization_amount": 1.832679889107925,
"installment_number": 2
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2024-12-20",
"due_date": "2024-12-20",
"due_principal": 308.31296326297115,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.047317746960004,
"tax_amount": 0.013899334972184456,
"total_amount": 6.91,
"principal_amortization_amount": 1.8626822530399967,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 19.0,
"business_due_date": "2025-01-20",
"due_date": "2025-01-20",
"due_principal": 306.4502810099312,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.185458741621516,
"tax_amount": 0.017252310748818354,
"total_amount": 6.91,
"principal_amortization_amount": 1.7245412583784843,
"installment_number": 4
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-20",
"due_date": "2025-02-20",
"due_principal": 304.7257397515527,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.156277702811321,
"tax_amount": 0.022002199940529158,
"total_amount": 6.91,
"principal_amortization_amount": 1.7537222971886783,
"installment_number": 5
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-20",
"due_date": "2025-03-20",
"due_principal": 302.972017454364,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.626712024762313,
"tax_amount": 0.03388856012847776,
"total_amount": 6.91,
"principal_amortization_amount": 2.283287975237688,
"installment_number": 6
},
{
"calendar_days": 33,
"workdays": 21.0,
"business_due_date": "2025-04-22",
"due_date": "2025-04-22",
"due_principal": 300.6887294791263,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.419164146019335,
"tax_amount": 0.026161187565652718,
"total_amount": 6.91,
"principal_amortization_amount": 1.4908358539806656,
"installment_number": 7
},
{
"calendar_days": 28,
"workdays": 19.0,
"business_due_date": "2025-05-20",
"due_date": "2025-05-20",
"due_principal": 299.19789362514564,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.569077051571375,
"tax_amount": 0.04645327498861764,
"total_amount": 6.91,
"principal_amortization_amount": 2.3409229484286254,
"installment_number": 8
},
{
"calendar_days": 31,
"workdays": 22.0,
"business_due_date": "2025-06-20",
"due_date": "2025-06-20",
"due_principal": 296.856970676717,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.023129913713405,
"tax_amount": 0.04223947375161171,
"total_amount": 6.91,
"principal_amortization_amount": 1.8868700862865948,
"installment_number": 9
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-07-21",
"due_date": "2025-07-21",
"due_principal": 294.97010059043043,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.99120210163572,
"tax_amount": 0.047831794010424776,
"total_amount": 6.91,
"principal_amortization_amount": 1.9187978983642804,
"installment_number": 10
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2025-08-20",
"due_date": "2025-08-20",
"due_principal": 293.05130269206614,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.7974727536377255,
"tax_amount": 0.05785789622336997,
"total_amount": 6.91,
"principal_amortization_amount": 2.112527246362274,
"installment_number": 11
},
{
"calendar_days": 33,
"workdays": 23.0,
"business_due_date": "2025-09-22",
"due_date": "2025-09-22",
"due_principal": 290.93877544570387,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.243445550198378,
"tax_amount": 0.04987997468256254,
"total_amount": 6.91,
"principal_amortization_amount": 1.666554449801622,
"installment_number": 12
},
{
"calendar_days": 28,
"workdays": 20.0,
"business_due_date": "2025-10-20",
"due_date": "2025-10-20",
"due_principal": 289.2722209959023,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.417501241721239,
"tax_amount": 0.07460048783528331,
"total_amount": 6.91,
"principal_amortization_amount": 2.492498758278761,
"installment_number": 13
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-11-20",
"due_date": "2025-11-20",
"due_principal": 286.7797222376235,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.852612347738989,
"tax_amount": 0.061577612432172066,
"total_amount": 6.91,
"principal_amortization_amount": 2.0573876522610113,
"installment_number": 14
},
{
"calendar_days": 32,
"workdays": 22.0,
"business_due_date": "2025-12-22",
"due_date": "2025-12-22",
"due_principal": 284.7223345853625,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.974562019629561,
"tax_amount": 0.057927658752487246,
"total_amount": 6.91,
"principal_amortization_amount": 1.9354379803704393,
"installment_number": 15
},
{
"calendar_days": 29,
"workdays": 19.0,
"business_due_date": "2026-01-20",
"due_date": "2026-01-20",
"due_principal": 282.786896604992,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.473907872942561,
"tax_amount": 0.07291223736282915,
"total_amount": 6.91,
"principal_amortization_amount": 2.436092127057439,
"installment_number": 16
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2026-02-20",
"due_date": "2026-02-20",
"due_principal": 280.3508044779346,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.743828346346397,
"tax_amount": 0.06483351759385234,
"total_amount": 6.91,
"principal_amortization_amount": 2.166171653653603,
"installment_number": 17
},
{
"calendar_days": 28,
"workdays": 20.0,
"business_due_date": "2026-03-20",
"due_date": "2026-03-20",
"due_principal": 278.184632824281,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.248181718584158,
"tax_amount": 0.07966822116277616,
"total_amount": 6.91,
"principal_amortization_amount": 2.6618182814158424,
"installment_number": 18
},
{
"calendar_days": 31,
"workdays": 20.0,
"business_due_date": "2026-04-20",
"due_date": "2026-04-20",
"due_principal": 275.52281454286515,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.662133715391057,
"tax_amount": 0.06727863789834566,
"total_amount": 6.91,
"principal_amortization_amount": 2.247866284608943,
"installment_number": 19
},
{
"calendar_days": 30,
"workdays": 20.0,
"business_due_date": "2026-05-20",
"due_date": "2026-05-20",
"due_principal": 273.27494825825625,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.473718787383631,
"tax_amount": 0.07291789669360793,
"total_amount": 6.91,
"principal_amortization_amount": 2.436281212616369,
"installment_number": 20
},
{
"calendar_days": 33,
"workdays": 22.0,
"business_due_date": "2026-06-22",
"due_date": "2026-06-22",
"due_principal": 270.83866704563985,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.881191245019006,
"tax_amount": 0.06072224603658115,
"total_amount": 6.91,
"principal_amortization_amount": 2.028808754980994,
"installment_number": 21
},
{
"calendar_days": 28,
"workdays": 20.0,
"business_due_date": "2026-07-20",
"due_date": "2026-07-20",
"due_principal": 268.80985829065884,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.105018721457935,
"tax_amount": 0.08395308966676401,
"total_amount": 6.91,
"principal_amortization_amount": 2.804981278542065,
"installment_number": 22
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2026-08-20",
"due_date": "2026-08-20",
"due_principal": 266.00487701211676,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.501080274002869,
"tax_amount": 0.07209896739909413,
"total_amount": 6.91,
"principal_amortization_amount": 2.408919725997131,
"installment_number": 23
},
{
"calendar_days": 32,
"workdays": 21.0,
"business_due_date": "2026-09-21",
"due_date": "2026-09-21",
"due_principal": 263.59595728611964,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.605449865929974,
"tax_amount": 0.06897518551271588,
"total_amount": 6.91,
"principal_amortization_amount": 2.304550134070026,
"installment_number": 24
},
{
"calendar_days": 29,
"workdays": 20.0,
"business_due_date": "2026-10-20",
"due_date": "2026-10-20",
"due_principal": 261.29140715204966,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.1338325701232606,
"tax_amount": 0.0830906911762108,
"total_amount": 6.91,
"principal_amortization_amount": 2.776167429876739,
"installment_number": 25
},
{
"calendar_days": 31,
"workdays": 22.0,
"business_due_date": "2026-11-20",
"due_date": "2026-11-20",
"due_principal": 258.5152397221729,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.3743477905842765,
"tax_amount": 0.0758920706278126,
"total_amount": 6.91,
"principal_amortization_amount": 2.5356522094157232,
"installment_number": 26
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2026-12-21",
"due_date": "2026-12-21",
"due_principal": 255.97958751275718,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.3314419075428425,
"tax_amount": 0.07717624370724271,
"total_amount": 6.91,
"principal_amortization_amount": 2.578558092457157,
"installment_number": 27
},
{
"calendar_days": 30,
"workdays": 20.0,
"business_due_date": "2027-01-20",
"due_date": "2027-01-20",
"due_principal": 253.4010294203,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.14836761761494,
"tax_amount": 0.08265565720478485,
"total_amount": 6.91,
"principal_amortization_amount": 2.76163238238506,
"installment_number": 28
},
{
"calendar_days": 33,
"workdays": 21.0,
"business_due_date": "2027-02-22",
"due_date": "2027-02-22",
"due_principal": 250.63939703791496,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.517149799264634,
"tax_amount": 0.07161800650800951,
"total_amount": 6.91,
"principal_amortization_amount": 2.392850200735366,
"installment_number": 29
},
{
"calendar_days": 28,
"workdays": 20.0,
"business_due_date": "2027-03-22",
"due_date": "2027-03-22",
"due_principal": 248.24654683717958,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.790994604081894,
"tax_amount": 0.09335183149982891,
"total_amount": 6.91,
"principal_amortization_amount": 3.119005395918106,
"installment_number": 30
},
{
"calendar_days": 29,
"workdays": 20.0,
"business_due_date": "2027-04-20",
"due_date": "2027-04-20",
"due_principal": 245.12754144126149,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.8781076870792814,
"tax_amount": 0.0907445369257171,
"total_amount": 6.91,
"principal_amortization_amount": 3.0318923129207187,
"installment_number": 31
},
{
"calendar_days": 30,
"workdays": 21.0,
"business_due_date": "2027-05-20",
"due_date": "2027-05-20",
"due_principal": 242.09564912834077,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.96328994206139,
"tax_amount": 0.0881950320341026,
"total_amount": 6.91,
"principal_amortization_amount": 2.9467100579386103,
"installment_number": 32
},
{
"calendar_days": 32,
"workdays": 21.0,
"business_due_date": "2027-06-21",
"due_date": "2027-06-21",
"due_principal": 239.14893907040215,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.178320717504705,
"tax_amount": 0.08175916092508417,
"total_amount": 6.91,
"principal_amortization_amount": 2.731679282495295,
"installment_number": 33
},
{
"calendar_days": 29,
"workdays": 21.0,
"business_due_date": "2027-07-20",
"due_date": "2027-07-20",
"due_principal": 236.41725978790686,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.7403042805836693,
"tax_amount": 0.09486899288213078,
"total_amount": 6.91,
"principal_amortization_amount": 3.169695719416331,
"installment_number": 34
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2027-08-20",
"due_date": "2027-08-20",
"due_principal": 233.24756406849053,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.946792334713775,
"tax_amount": 0.08868880542201671,
"total_amount": 6.91,
"principal_amortization_amount": 2.9632076652862245,
"installment_number": 35
},
{
"calendar_days": 31,
"workdays": 20.0,
"business_due_date": "2027-09-20",
"due_date": "2027-09-20",
"due_principal": 230.2843564032043,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.896651766917395,
"tax_amount": 0.09018951261616237,
"total_amount": 6.91,
"principal_amortization_amount": 3.0133482330826054,
"installment_number": 36
},
{
"calendar_days": 30,
"workdays": 21.0,
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"principal_amortization_amount": 3.3971065794159965,
"installment_number": 43
},
{
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"due_date": "2028-05-22",
"due_principal": 204.2078960898891,
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"installment_number": 44
},
{
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"due_date": "2028-06-20",
"due_principal": 200.86573998761696,
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"installment_number": 45
},
{
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"due_date": "2028-07-20",
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},
{
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"due_date": "2028-08-21",
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},
{
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},
{
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},
{
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},
{
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},
{
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"due_date": "2029-01-22",
"due_principal": 174.44181174905722,
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},
{
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"installment_number": 53
},
{
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"due_date": "2029-03-20",
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"installment_number": 54
},
{
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"due_date": "2029-04-20",
"due_principal": 162.0980272962625,
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"post_fixed_amount": 0,
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"installment_number": 55
},
{
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"due_date": "2029-05-21",
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"principal_amortization_amount": 4.237644346529201,
"installment_number": 56
},
{
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"due_date": "2029-06-20",
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"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.5160754328709682,
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"total_amount": 6.91,
"principal_amortization_amount": 4.393924567129032,
"installment_number": 57
},
{
"calendar_days": 30,
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"business_due_date": "2029-07-20",
"due_date": "2029-07-20",
"due_principal": 149.2993262627475,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.4441435451820364,
"tax_amount": 0.13366308369270166,
"total_amount": 6.91,
"principal_amortization_amount": 4.465856454817964,
"installment_number": 58
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2029-08-20",
"due_date": "2029-08-20",
"due_principal": 144.83346980792956,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.4507335402657553,
"tax_amount": 0.13346584513984594,
"total_amount": 6.91,
"principal_amortization_amount": 4.459266459734245,
"installment_number": 59
},
{
"calendar_days": 31,
"workdays": 22.0,
"business_due_date": "2029-09-20",
"due_date": "2029-09-20",
"due_principal": 140.3742033481953,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.375278095523973,
"tax_amount": 0.1357242266009675,
"total_amount": 6.91,
"principal_amortization_amount": 4.534721904476028,
"installment_number": 60
},
{
"calendar_days": 32,
"workdays": 21.0,
"business_due_date": "2029-10-22",
"due_date": "2029-10-22",
"due_principal": 135.83948144371928,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.3733365566146216,
"tax_amount": 0.13578233686052438,
"total_amount": 6.91,
"principal_amortization_amount": 4.536663443385378,
"installment_number": 61
},
{
"calendar_days": 29,
"workdays": 19.0,
"business_due_date": "2029-11-20",
"due_date": "2029-11-20",
"due_principal": 131.3028180003339,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.0773123445383432,
"tax_amount": 0.1446423415279674,
"total_amount": 6.91,
"principal_amortization_amount": 4.832687655461657,
"installment_number": 62
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2029-12-20",
"due_date": "2029-12-20",
"due_principal": 126.47013034487225,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.0704122414909936,
"tax_amount": 0.14484886161217456,
"total_amount": 6.91,
"principal_amortization_amount": 4.839587758509007,
"installment_number": 63
},
{
"calendar_days": 32,
"workdays": 20.0,
"business_due_date": "2030-01-21",
"due_date": "2030-01-21",
"due_principal": 121.63054258636323,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.125083297234822,
"tax_amount": 0.14321255691376178,
"total_amount": 6.91,
"principal_amortization_amount": 4.7849167027651776,
"installment_number": 64
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2030-02-20",
"due_date": "2030-02-20",
"due_principal": 116.84562588359806,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.9128517819534845,
"tax_amount": 0.14956464616613221,
"total_amount": 6.91,
"principal_amortization_amount": 4.997148218046515,
"installment_number": 65
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2030-03-20",
"due_date": "2030-03-20",
"due_principal": 111.84847766555154,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.708047828689376,
"tax_amount": 0.15569442848732698,
"total_amount": 6.91,
"principal_amortization_amount": 5.201952171310624,
"installment_number": 66
},
{
"calendar_days": 33,
"workdays": 22.0,
"business_due_date": "2030-04-22",
"due_date": "2030-04-22",
"due_principal": 106.64652549424092,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.922037544463559,
"tax_amount": 0.14928971629420568,
"total_amount": 6.91,
"principal_amortization_amount": 4.987962455536441,
"installment_number": 67
},
{
"calendar_days": 28,
"workdays": 19.0,
"business_due_date": "2030-05-20",
"due_date": "2030-05-20",
"due_principal": 101.65856303870447,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.5524367563155517,
"tax_amount": 0.16035186788347555,
"total_amount": 6.91,
"principal_amortization_amount": 5.3575632436844485,
"installment_number": 68
},
{
"calendar_days": 32,
"workdays": 23.0,
"business_due_date": "2030-06-21",
"due_date": "2030-06-21",
"due_principal": 96.30099979502003,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.68253500987305,
"tax_amount": 0.1564580271544996,
"total_amount": 6.91,
"principal_amortization_amount": 5.22746499012695,
"installment_number": 69
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2030-07-22",
"due_date": "2030-07-22",
"due_principal": 91.07353480489307,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.5410593053726052,
"tax_amount": 0.16069239499019794,
"total_amount": 6.91,
"principal_amortization_amount": 5.368940694627395,
"installment_number": 70
},
{
"calendar_days": 29,
"workdays": 21.0,
"business_due_date": "2030-08-20",
"due_date": "2030-08-20",
"due_principal": 85.70459411026569,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.355913102553902,
"tax_amount": 0.1662338208405617,
"total_amount": 6.91,
"principal_amortization_amount": 5.554086897446098,
"installment_number": 71
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2030-09-20",
"due_date": "2030-09-20",
"due_principal": 80.15050721281959,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.3562302729904976,
"tax_amount": 0.1662243279293944,
"total_amount": 6.91,
"principal_amortization_amount": 5.553769727009502,
"installment_number": 72
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2030-10-21",
"due_date": "2030-10-21",
"due_principal": 74.59673748581008,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.2622546901162857,
"tax_amount": 0.16903701712481958,
"total_amount": 6.91,
"principal_amortization_amount": 5.647745309883715,
"installment_number": 73
},
{
"calendar_days": 30,
"workdays": 21.0,
"business_due_date": "2030-11-20",
"due_date": "2030-11-20",
"due_principal": 68.94899217592636,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.1287474524635266,
"tax_amount": 0.17303288874776665,
"total_amount": 6.91,
"principal_amortization_amount": 5.781252547536473,
"installment_number": 74
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2030-12-20",
"due_date": "2030-12-20",
"due_principal": 63.167739628389896,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.034103950373898,
"tax_amount": 0.17586556876530923,
"total_amount": 6.91,
"principal_amortization_amount": 5.875896049626102,
"installment_number": 75
},
{
"calendar_days": 31,
"workdays": 19.0,
"business_due_date": "2031-01-20",
"due_date": "2031-01-20",
"due_principal": 57.29184357876379,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.9694378159160035,
"tax_amount": 0.177801026169634,
"total_amount": 6.91,
"principal_amortization_amount": 5.940562184083997,
"installment_number": 76
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2031-02-20",
"due_date": "2031-02-20",
"due_principal": 51.351281394679795,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.8689173007900727,
"tax_amount": 0.18080960518735312,
"total_amount": 6.91,
"principal_amortization_amount": 6.041082699209928,
"installment_number": 77
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2031-03-20",
"due_date": "2031-03-20",
"due_principal": 45.310198695469865,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.691935984419014,
"tax_amount": 0.1861066559863389,
"total_amount": 6.91,
"principal_amortization_amount": 6.218064015580986,
"installment_number": 78
},
{
"calendar_days": 33,
"workdays": 21.0,
"business_due_date": "2031-04-22",
"due_date": "2031-04-22",
"due_principal": 39.09213467988888,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.7045381947490624,
"tax_amount": 0.18572947183116056,
"total_amount": 6.91,
"principal_amortization_amount": 6.205461805250938,
"installment_number": 79
},
{
"calendar_days": 28,
"workdays": 19.0,
"business_due_date": "2031-05-20",
"due_date": "2031-05-20",
"due_principal": 32.886672874637945,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.5022152412687123,
"tax_amount": 0.19178499782882744,
"total_amount": 6.91,
"principal_amortization_amount": 6.407784758731288,
"installment_number": 80
},
{
"calendar_days": 31,
"workdays": 22.0,
"business_due_date": "2031-06-20",
"due_date": "2031-06-20",
"due_principal": 26.478888115906656,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.4480504354459919,
"tax_amount": 0.19340615046710147,
"total_amount": 6.91,
"principal_amortization_amount": 6.461949564554008,
"installment_number": 81
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2031-07-21",
"due_date": "2031-07-21",
"due_principal": 20.01693855135265,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.33870750142418227,
"tax_amount": 0.19667878448237422,
"total_amount": 6.91,
"principal_amortization_amount": 6.571292498575818,
"installment_number": 82
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2031-08-20",
"due_date": "2031-08-20",
"due_principal": 13.445646052776832,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.2201154541907445,
"tax_amount": 0.20022824445607101,
"total_amount": 6.91,
"principal_amortization_amount": 6.689884545809256,
"installment_number": 83
},
{
"calendar_days": 33,
"workdays": 23.0,
"business_due_date": "2031-09-22",
"due_date": "2031-09-22",
"due_principal": 6.755761506967575,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.15175574588723562,
"tax_amount": 0.20227425052559503,
"total_amount": 6.91,
"principal_amortization_amount": 6.758244254112764,
"installment_number": 84
}
],
"issue_amount": 311.78,
"disbursed_issue_amount": 300.0,
"assignment_amount": 311.78,
"final_disbursement_amount": 300.0,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.21843191,
"monthly_rate": 0.0166,
"daily_rate": 0.00054142
}
}
]
}
}
2.2 - Debt Issuance for Individuals
With the Debt Issuance API, it is possible to request the issuance of a debt for an individual. It is not necessary to pre-register the borrower; simply provide the registration details at the time of the debt request.
Request
ENDPOINT
/debtMETHOD
POSTRequest Body
{
"borrower": {
"name": "Alan Mathison Turing",
"email": "alan.turing@email.com",
"phone": {
"number": "912345678",
"area_code": "11",
"country_code": "055"
},
"is_pep": false,
"address": {
"city": "São Paulo",
"state": "SP",
"number": "1000",
"street": "Avenida Feliz",
"complement": "AP 801",
"postal_code": "49026100",
"neighborhood": "Centro"
},
"role_type": "issuer",
"birth_date": "1990-11-20",
"mother_name": "Nome da Mãe do Alan",
"nationality": "brasileiro",
"person_type": "natural",
"individual_document_number": "96969879003",
"document_identification": "494598fd-c226-4332-a500-591ae3884673"
},
"financial": {
"amount": 123456,
"interest_type": "pre_price_days",
"credit_operation_type": "ccb",
"annual_interest_rate": 2.32,
"disbursement_date": "2025-01-11",
"interest_grace_period": 0,
"principal_grace_period": 0,
"number_of_installments": 2,
"fine_configuration": {
"contract_fine_rate": 0.02,
"interest_base": "calendar_days",
"monthly_rate": 0.01
}
},
"disbursement_bank_account": {
"name": "Alan Mathison Turing",
"document_number": "96969879003",
"bank_code": "341",
"branch_number": "8615",
"account_number": "22110",
"account_digit": "2",
"account_type": "checking_account"
},
"purchaser_document_number": "32402502000135"
}
Response
The response to this debt request will return the payment plan as well as a DEBT-KEY, which is the identifier of the debt in QI SCD.
STATUS
200Response Body
{
"data": {
"additional_iof": 469.1328,
"annual_cet": "283,3821%",
"assignment_amount": 124690.56,
"base_iof": 473.6829374063069,
"borrower": {
"document_number": "96969879003",
"name": "Alan Mathison Turing"
},
"cet": "11,8500%",
"collaterals": [],
"contract": {
"number": "0000067563/AMT",
"signature_information": [
{
"signature_url": null,
"signer_document_number": "15627918004",
"signer_email": "alan.turing@email.com",
"signer_external_key": null,
"signer_name": "Alan Mathison Turing",
"signer_role": "issuer"
}
],
"urls": [
"https://storage.googleapis.com/sandbox-doc-api/documents/5af36fcd-8e4c-4421-ad45-7bcba899c0d3/SYNGENTASANDBOX-ALAN_MATHISON_TURING-CCB-0000067563-20230302234816.pdf"
]
},
"contract_fee_amount": 1234.56,
"contract_fees": [
{
"fee_amount": 1234.56,
"fee_type": "tac"
}
],
"external_contract_fee_amount": 1234.56,
"external_contract_fees": [
{
"fee_amount": 1234.56,
"fee_type": "spread",
"net_fee_amount": 1120.36,
"tax_amount": 114.2
}
],
"installments": [
{
"accrual_reference_date": null,
"additional_costs": [],
"advanced_paid_amount": 0,
"bank_slip_key": null,
"business_due_date": "2023-04-03",
"calendar_days": 31,
"digitable_line": null,
"due_date": "2023-04-02",
"due_interest": 0,
"due_principal": 123456,
"fine_amount": null,
"has_interest": true,
"installment_history": [],
"installment_key": "da264e95-2bbd-47de-876b-bfea7d25e266",
"installment_number": 1,
"installment_payment": [],
"installment_status": "created",
"installment_type": "principal",
"original_due_principal": 123456,
"original_pre_fixed_amount": 13245.468714162304,
"original_principal_amortization_amount": 58473.151285837695,
"original_total_amount": 71718.62,
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 13245.468714162304,
"principal_amortization_amount": 58473.151285837695,
"qr_code_key": null,
"qr_code_url": null,
"renegotiation_proposal_key": null,
"tax_amount": 148.63875056859942,
"total_accrual_amount": null,
"total_amount": 71718.62,
"total_paid_amount": 0,
"workdays": 21
},
{
"accrual_reference_date": null,
"additional_costs": [],
"advanced_paid_amount": 0,
"bank_slip_key": null,
"business_due_date": "2023-05-02",
"calendar_days": 30,
"digitable_line": null,
"due_date": "2023-05-02",
"due_interest": 0,
"due_principal": 64982.848714162305,
"fine_amount": null,
"has_interest": true,
"installment_history": [],
"installment_key": "cac7064b-2310-45e1-a91f-5e8f39f0f0ea",
"installment_number": 2,
"installment_payment": [],
"installment_status": "created",
"installment_type": "principal",
"original_due_principal": 64982.848714162305,
"original_pre_fixed_amount": 6735.77577015044,
"original_principal_amortization_amount": 64982.84422984956,
"original_total_amount": 71718.62,
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 6735.77577015044,
"principal_amortization_amount": 64982.84422984956,
"qr_code_key": null,
"qr_code_url": null,
"renegotiation_proposal_key": null,
"tax_amount": 325.0441868377075,
"total_accrual_amount": null,
"total_amount": 71718.62,
"total_paid_amount": 0,
"workdays": 19
}
],
"iof_charge_method": "financed",
"issue_amount": 123456,
"net_external_contract_fee_amount": 1120.36,
"number_of_installments": 2,
"prefixed_interest_rate": {
"annual_rate": 2.32,
"created_at": "2023-03-02T23:48:15",
"daily_rate": 0.00329298,
"interest_base": "calendar_days_365",
"monthly_rate": 0.10516767
},
"requester_identifier_key": "1c2ca4dc-2a20-4dd4-bd5f-af143fadadf4",
"total_iof": 942.82,
"total_pre_fixed_amount": 19981.244484312745
},
"event_datetime": "2023-03-02 23:48:20",
"key": "1c2ca4dc-2a20-4dd4-bd5f-af143fadadf4",
"status": "waiting_signature",
"webhook_type": "debt"
}
Main fields definitions*
For any doubts, feel free to consult QI Tech's documentation with the explanation of every field of Debt insuance API.
*: There is the possibility of implementing additional data for filling in the generated Banking Credit Note. To do this, the Payload needs to be aligned in parallel.
3 - Debt formalization
ANT Group is going to sign the contracts indeppendtly and send the signed document or signature evidence to QI Tech to proceed with the operation. This option allows for either the submission of the signed PDF or the submission of a signature hash
Independtly signing
For the partner to collect signatures and then submit the signed document via API, it is necessary to request the configuration of this flow from the QI Tech support team.
After requesting the configuration of signature to the QI Tech support team, there is a sequence of calls that must be made.
-
Set of APIs (according to the credit borrower of the operation) to issue the contract PDF, and the last call will be API to submit the already signed contract.
-
In the case of document signing via a certification authority, it is necessary to send the URL with the signed PDF in API.
-
In the case of signing via opt-in on the frontend, the information to be sent in API will be the acceptance evidence from the client.
QI Tech will then follow the flow for disbursement - the operation can be monitored using API or through the sent webhooks.
Accepted signature types
pdf-signature -> This type indicates that the PDF issued through "/debt" will be signed, and the link to the signed PDF will be sent via API as a form of authentication.
data-signature -> This type indicates that the PDF issued through "/debt" will be signed through a hash attached to its last page. Data authentication can have two types:
- Opt-in: Opt-in signature means that the client will consent to the contract through the frontend. For this signature to be valid, some data must be sent mandatorily.
- Zip: Zip signature involves the submission of a proof file, such as a recorded call.
- Selfie: Selfie Zip signature involves the submission of a proof file, such as a recorded call.
Finalized signature webhook
Response Body
{
"key": "ebe12ca1-ec34-4674-bd62-24c0bc204e81",
"status": "signature_finished",
"webhook_type": "debt",
"event_datetime": "2024-09-02 18:39:49",
"signed_contract_url": "https://storage.googleapis.com/live-doc-api/documents/6099edd7-1c83-4890-998e-ce60e218523cb/S_signed.pdf"
}
Disbursement webhook
Response Body
{
"key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"data": {
"installments": [{
"due_date": "2022-09-29",
"qr_code_key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"qr_code_url": "https://qitech.com.br/",
"bank_slip_key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"digitable_line": "32990001031000699920446000000201991230000019896"
}, {
"due_date": "2022-10-31",
"qr_code_key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"qr_code_url": "https://qitech.com.br/",
"bank_slip_key": "243f9441-872a-4d64-886c-2f9724c36f2e",
"digitable_line": "32990001031000699920447000000209191550000019896"
}, {
"due_date": "2022-11-29",
"qr_code_key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"qr_code_url": "https://qitech.com.br/",
"bank_slip_key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"digitable_line": "32990001031000699920448000000207891840000019896"
}, {
"due_date": "2022-12-29",
"qr_code_key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"qr_code_url": "00020126970014br.gov.bcb.pix2575qrcode-h.sandbox.qitech.app/bacen/cobv/cf7d2d2e-003a-4296-9daf-350864d282245204000053039865802BR5925QI SOCIEDADE DE CREDITO D6009Sao Paulo61080145200062070503***63047335",
"bank_slip_key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"digitable_line": "32990001031000699920449000000205892140000019896"
}, {
"due_date": "2023-01-30",
"qr_code_key": "e809ffca-ac2f-4a51-9f4f-df7ffc4de8e3",
"qr_code_url": "https://qitech.com.br/",
"bank_slip_key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"digitable_line": "32990001031000699920450000000203792460000019892"
}],
"ted_receipt_list": [{
"fee": 0,
"url": "https://qitech.com.br/",
"amount": 500,
"origin": {
"name": "QI SOCIEDADE DE CRÉDITO DIRETO S.A.",
"type": "payment_account",
"branch": "0001",
"document": "0000000000000",
"bank_code": "000",
"account_key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"branch_digit": null,
"account_digit": "5",
"account_branch": "0001",
"account_number": "00002"
},
"timestamp": "2022-09-28T13:00:47",
"description": "DESCRIPTION",
"destination": {
"name": "QI TECH",
"type": "checking_account",
"branch": "0000",
"purpose": "Crédito PIX em Conta",
"document": "000000000000000",
"bank_ispb": "00000000",
"branch_digit": null,
"account_digit": "0",
"account_number": "00000000"
},
"end_to_end_id": null,
"transaction_key": "871059bd-4014-41ad-82b4-28275ff0e67b",
"origin_transaction_key": null
}],
"requester_identifier_key": "57f8e1ce-1080-4d0d-a195-89709b961561"
},
"status": "disbursed",
"webhook_type": "debt",
"event_datetime": "2022-09-28 13:01:23"
}
Paid contract webhook
Response Body
{
"key": "27a099df-4688-43cb-87fa-515b1cf343a5",
"data": {
"settlement_amount": 3429.38
},
"status": "settled",
"webhook_type": "debt",
"event_datetime": "2022-09-27 07:03:49"
}
Cancelation webhook
Response Body
{
"webhook_type": "debt",
"key":"27a099df-4688-43cb-87fa-515b1cf343a5",
"event_datetime": "2022-09-27 07:03:49",
"data": {
"cancel_reason": "Operacao cancelada manualmente",
"cancel_reason_enumerator": "manual"
},
"status":"canceled "
}
Cancelation reasons
| cancel_reason_enumerator | Description |
|---|---|
| disbursing_error | Operation canceled due to an error during disbursement. |
| waiting_signature | Operation canceled due to missing signature. |
| pix_max_retry | Operation canceled because the receiving bank could not process the disbursement. |
| manual | Operation canceled manually. |
| agencia_conta_invalida | Invalid agency or recipient account number. |
| invalid_account | The destination account number is nonexistent or invalid. |
| invalid_document_number | The CPF/CNPJ of the destination account is incorrect. |
| unsupported_transaction | The destination account does not support this type of transaction. |
| invalid_ispb | The ISPB number is invalid or nonexistent. |
| rejected_payment | Payment order was rejected by the receiving bank. |
| refund_after_payee_request | Refund requested by the payee |
| invalid_account | The destination account number is nonexistent or invalid. |
| invalid_document_number | The CPF/CNPJ of the destination account is incorrect. |
| rejected_payment | Payment rejected by the receiving bank. |
| blocked_account | The destination account is blocked. |
| unsupported_transaction | The destination account does not support this type of transaction. |
| amount_too_great | Payment/refund amount exceeds the limit for the credited destination account. |
| invalid_ispb | The ISPB number is invalid or nonexistent. |
| receiver_error | Transaction interrupted due to error on the receiver's PSP. |
| closed_account | The destination account is closed. |
| disbursing_hour_closed | Disbursement occurred outside of the allowed time frame. |
| unregistered_pix_key | The Pix key is not being used. |
| manual | Operation manually canceled. |
| spi_timeout | Timeout control in SPI. |
4 - Debt disbursement
4.1 - Choosing the disbursement date
After fulfilling all the requirements for the operation payment (document submission, signing, and registration), a disbursement date must be chosen within the disbursement range for the operation to be paid.
Request
ENDPOINT
/debt/DEBT-KEY*/disbursement_optionMETHOD
PATCH*debt_key (string): Issued debt ID.
Request Body
{
"disbursement_date": "2023-06-30",
"status": "active"
}
4.2 - Reading the operation disbursement webhook
Reading the asynchronous response that indicates the success of the operation payment. Webhook status: disbursed. Here, we will have the payment receipt in PDF format, as well as the return of the identifier keys for the installments and their respective bank slips.
Reading of the cancellation webhook
Review the Webhook's possible responses here.
5 - Debt installments
Since QI Tech will be the collection agent for the operation, there is a specific API to retrieve information about the installments. The statuses that can be configured are:
- webhook_type: installment.status_change
- Webhook status: opened, paid, waiting_payment, paid_early, paid_partial, overdue, paid_partial_overdue and paid_overdue
Examples
Paid Installment
{
"key": "92a05d9c-e457-4f28-9fa8-86be638ee2d0",
"data": {
"status": "paid",
"installment": {
"events": [{
"amount": null,
"created_at": "2022-08-27T10:55:41",
"event_date": "2022-08-27T10:55:42",
"old_due_date": null,
"installment_event_type": {
"enumerator": "open",
"translation_path": "co.InstallmentEventType.open"
},
"installment_old_status": {
"enumerator": "created",
"translation_path": "co.InstallmentStatus.created"
}
}, {
"amount": 1009.68,
"created_at": "2022-09-27T07:03:35",
"event_date": "2022-09-27T07:03:34",
"old_due_date": null,
"installment_event_type": {
"enumerator": "payment",
"translation_path": "co.InstallmentEventType.payment"
},
"installment_old_status": {
"enumerator": "opened",
"translation_path": "co.InstallmentStatus.opened"
}
}],
"paid_at": "2022-09-27T07:03:34",
"due_date": "2022-10-28",
"workdays": 21,
"created_at": "2022-08-27T10:54:18",
"tax_amount": 5.11785875,
"updated_at": "2022-09-27T07:03:35",
"fine_amount": null,
"paid_amount": 1009.68,
"qr_code_key": "92a05d9c-e457-4f28-9fa8-86be638ee2d0",
"qr_code_url": "https://qitech.com.br/",
"due_interest": 0,
"has_interest": true,
"payment_type": {
"enumerator": "bankslip",
"translation_path": "co.PaymentType.bankslip"
},
"total_amount": 1009.68,
"bank_slip_key": "92a05d9c-e457-4f28-9fa8-86be638ee2d0",
"calendar_days": 30,
"due_principal": 1006.66428708,
"digitable_line": "32990001031000699917042000000200291520000100968",
"installment_key": "92a05d9c-e457-4f28-9fa8-86be638ee2d0",
"additional_costs": [],
"installment_type": {
"enumerator": "principal",
"translation_path": "co.InstallmentType.principal"
},
"pre_fixed_amount": 3.02013568,
"business_due_date": "2022-10-31",
"cetip_settlements": [],
"post_fixed_amount": 0,
"total_paid_amount": 0,
"installment_number": 3,
"installment_status": {
"enumerator": "paid",
"translation_path": "co.InstallmentStatus.paid"
},
"installment_payment": [{
"created_at": "2022-09-27T07:03:35",
"paid_amount": 1009.68,
"total_amount": 1009.68,
"due_principal": 1006.66428708,
"reference_date": "2022-09-27",
"paid_method_type": {
"enumerator": "pix",
"translation_path": "co.PaymentType.pix"
},
"payment_data":{
"paid_in":{
"name": "ITAÚ UNIBANCO S.A.",
"code_number": 341,
"ispb": 60701190
}
},
"pre_fixed_amount": 3.02013568,
"advanced_paid_amount": 0,
"present_total_amount": 1009.68,
"renegotiation_proposal_key": null,
"principal_amortization_amount": 1006.65986432,
"prefixed_interest_payment_amount": 3.02013568,
"principal_amortization_payment_amount": 1006.65986432
}],
"advanced_paid_amount": 0,
"total_accrual_amount": 0,
"original_total_amount": 1009.68,
"accrual_reference_date": "2022-09-27",
"original_due_principal": 1006.66428708,
"original_pre_fixed_amount": 3.02013568,
"renegotiation_proposal_key": null,
"principal_amortization_amount": 1006.65986432,
"original_principal_amortization_amount": 1006.65986432
},
"is_finished": true
},
"webhook_type": "installment.status_change"
}
Bank slips data
{
"key": "96015228-4905-42fc-bda6-e70e0e552b6b",
"webhook_type": "installment.status_change",
"data": {
"status": "update",
"installments": [
{
"installment_key": "bc60ad8e-4dc1-4edc-8c5b-6df1b5c9415d",
"digitable_line": "32990001455000000000503007797909797660000100000",
"qr_code_key": "7d20015e-c4ed-4290-b255-33c1c5b56362",
"qr_code_url": "00020126580014br.gov.bcb.pix0136dc4a27db-2fe1-474d-aa02-88d6fffb8d0d5204000053039865802BR5921NeymarSportEMarketing6008saopaulo62070503***63040EB2",
"principal_amortization_amount": 141.07452576,
"pre_fixed_amount": 72.89547424,
"bank_slip_key": "5f25e9fd-f612-47a3-acff-be9f29d87f6c",
"due_date": "2024-07-17",
"total_amount": 216.97
},
{
"principal_amortization_amount": 144.84483469,
"pre_fixed_amount": 65.12516531,
"due_date": "2024-08-19",
"digitable_line": "32990001454000000000627007797908997530000500000",
"installment_key": "be3f0fde-24ac-42d2-82e9-4b0aa15bf01e",
"qr_code_key": "4d696847-73a2-4dba-be9f-218084dff8e7",
"qr_code_url": "00020126580014br.gov.bcb.pix0136dc4a27db-2fe1-474d-aa02-88d6fffb8d0d5204000053039865802BR5921NeymarSportEMarketing6008saopaulo62070503***63040EB2",
"total_amount": 216.97,
"bank_slip_key": "bc1cc18f-2db5-470d-8541-b944e53cb699"
},
{
"qr_code_url": "00020126580014br.gov.bcb.pix0136dc4a27db-2fe1-474d-aa02-88d6fffb8d0d5204000053039865802BR5921NeymarSportEMarketing6008saopaulo62070503***63040EB2",
"digitable_line": "32990001454000000000623007797907697530000500000",
"bank_slip_key": "8a00a520-7d49-4f51-9293-9ea26e241338",
"principal_amortization_amount": 164.37001228,
"installment_key": "3d4b5f21-c0a3-4075-bac2-9086cd90b77e",
"due_date": "2024-09-17",
"qr_code_key": "4d47528a-167d-41aa-b9da-246d2030af75",
"total_amount": 216.97,
"pre_fixed_amount": 52.59998772
}
]
}
}
Furthermore, there is an option to retrieve the duplicate copy of the installment:
ENDPOINT
/bank_slip/2-way/BANK_SLIP_KEY*METHOD
PATCH*BANK_SLIP_KEY (string): Payment slip identification key.
Duplicate Copy
{
"key": "1150f778-b479-42ab-b76b-c6a76cdfcf50",
"data": {
"status": "update",
"installments": [
{
"due_date": "2024-12-02",
"qr_code_key": "56da9761-a425-488d-a65c-e54680346533",
"qr_code_url": "00020126830014br.gov.bcb.pix2561qrcode.qitech.app/bacen/cobv/56da9761a425488da65ce543047339",
"total_amount": 16.2,
"bank_slip_key": "27e70d92-caee-4fe2-92f3-f967fd26ce70",
"digitable_line": "32990001031000000000908001075103782160000759600",
"installment_key": "e80a53c6-080a-48d6-ba12-dd01459650ed",
"pre_fixed_amount": 16.2,
"principal_amortization_amount": 0
},
{
"due_date": "2025-03-05",
"qr_code_key": "fbea5390-3a77-4432-b8f3-d174aff9c048",
"qr_code_url": "00020126830014br.gov.bcb.pix2561qrcode.qitech.app/bacen/cobv/56da9761a425488da65ce543047339",
"total_amount": 84.12,
"bank_slip_key": "82f5741b-9cf6-4a9c-b9b4-8fcc29a94969",
"digitable_line": "32990001031000000000908001075103782160000759600",
"installment_key": "c8c43838-2ff0-4d4e-af1e-35ac20255030",
"pre_fixed_amount": 47.5953627,
"principal_amortization_amount": 36.5246373
}
]
},
"webhook_type": "installment.status_change"
}
6 - Re-submission of the debt
When an operation is canceled, updating the disbursement date causes the operation to return to the status it had before the cancellation. In this case, it is necessary to update both the disbursement date and the bank account details.
6.1 - Update disbursement date
ENDPOINT
/debt/DEBT-KEY*/disbursement_optionMETHOD
PATCH*debt_key (string): Issued debt ID.
Request Body
{
"disbursement_date": "2023-06-30",
"status": "active"
}
*status: It indicates whether the date should be set or removed.
6.2 - Update bank account details
ENDPOINT
/debt/DEBT-KEY*/disbursement_bank_accountsMETHOD
PUT*debt_key (string): Issued debt ID.
Request Body
{
"disbursement_bank_accounts": [{
"bank_code": "329",
"branch_number": "001",
"account_number": "6947216",
"account_digit": "4",
"account_type": "checking_account",
"document_number": "946321801",
"name": "Pedro Felipe Henrique Alves",
"percentage_receivable": 100
}]
}
Body params
| Campo | Tipo | Descrição | Máx. Caract. |
|---|---|---|---|
| name | string | Nome do titular da conta | 50 |
| document_number | string | CPF do titular da conta | 11 |
| bank_code | string | Código COMPE da instituição financeira (https://www.bcb.gov.br/pom/spb/estatistica/port/ASTR003.pdf) | 3 |
| branch_number | string | Número da agência (não informar o dígito verificador da agência!) | 4 |
| account_number | string | Número da conta (sem o dígito verificador da conta!) | 10 |
| account_digit | string | Dígito verificador da conta (informar zero no lugar de letras) | 1 |
| account_type* | enum | Enumerador Account Type | - |
*Account types: checking_account, saving_account, payment_account, investment_account, deposit_account, guaranteed_account, salary_account
Attention!
A debt issuance must include the bank account information for disbursement, by default, an account owned by the debtor.
7 - Cancellation of the operation
Reading of the cancellation webhook
Review the Webhook's possible responses here.
7.1 - Permanent cancellation of the debt before disbursement
ENDPOINT
/debt/DEBT-KEY*/cancel_permanentlyMETHOD
POST*debt_key (string): Issued debt ID.
7.2 - Cancellation of debt within seven days after disbursement
In order to comply with the Brazilian Consumer Protection Code, which allows the borrower to cancel the debt within 7 days through digital means, QI Tech has enabled a specific functionality to address these cases. In QI Tech systems, there are two ways to cancel a debt due to withdrawal within 7 days.
7.2.a - Pix chargeback
If the borrower has received the disbursement via Pix, it is possible to cancel the operation through a chargeback of the full disbursed amount within 7 days after the disbursement date.
7.2.b - Cancelation API
Through the [POST/debt/reversal] endpoint, it is possible to generate a QR code that, once paid by the borrower, cancels the operation. In both cases, once the money reaches QI Tech, the operation is canceled, and if the assignment of the contract has already occurred, the amount is refunded to the purchaser. This endpoint can be used up to 7 days after disbursement, and the expiration of the QR Code is set to 14 days after its generation. After this period, it is no longer possible to cancel the contract.
Endpoint configuration
For the proper functioning of this endpoint, it is necessary to contact the QI Tech support team to enable the endpoint and configure the purchaser's account for the refund of the funds.
8 - Debt renegotiation
8.1 - Renegotiation simulation
ENDPOINT
/renagotiation/simulationMETHOD
POSTRequest Body
{
"contract_number": "ABCD/1",
"amortization_type": "installment_payment",
"reference_date": "2022-07-20",
"installments": [{
"installment_key": "ca5741c7-99a2-42e7-92a1-9328a36e4e88"
}],
"discount_percentage": 0.2,
"amount_percentage": 100
}
8.2 - Renegotiation creation
ENDPOINT
/renegotiation/proposalMETHOD
POSTRequest Body
{
"contract_number": "ABCD/1",
"amortization_type": "installment_payment",
"reference_date": "2022-07-20",
"proposal_due_date": "2022-07-20",
"discount_percentage": 0.2,
"payment_type": "bank_slip",
"installments": [{
"installment_key": "ca5741c7-99a2-42e7-92a1-9328a36e4e88"
}]
}
8.3 - Renegotiation consulting
ENDPOINT
/renagotiation/proposal/PROPOSAL-KEYMETHOD
POSTproposal_key (string - Maximum characters = Chave uuid): Key of the renegotiation proposal
8.4 - Renegotiation listing
ENDPOINT
/renagotiation/proposalMETHOD
GETproposal_status (string - Maximum characters = 10): Proposal status.
contract_number (string - Maximum characters = 10): Contract number.
issuer_document_number (string - Maximum characters = 10): Borrower's document number.
8.5 - Renegotiation cancelation
ENDPOINT
/renagotiation/proposalPROPOSAL-KEYMETHOD
POSTproposal_key (string - Maximum characters = Chave uuid): Key of the renegotiation proposal
8.6 - Renegotiation payment
Webhooks:
WEBHOOK_TYPE
renegotiation.proposalSTATUS
paid| Enumerator | Description |
|---|---|
| bank_slip | Payment through bank slip |
| pix | Payment through pix |
Example of renegotiation payment webhook
Webhook Body
{
"webhook_type": "renegotiation.proposal",
"key": "\<PROPOSAL-KEY\>",
"event_datetime": "\<DATA E HORA DO ENVIO DO WEBHOOK\>",
"status": "paid",
"data": {
"paid_method_type": "<METODO DE PAGAMENTO>",
"paid_in": {
"code_number": "<CODIGO DO BANCO LIQUIDANTE>",
"ispb": "<ISPB DO BANCO LIQUIDANTE>",
"name": "<NOME DO BANCO LIQUIDANTE>"
}
}
}
Payment data of the installment paid through renegotiation
Webhook Body
{
"renegotiation_proposal_key": "806fa827-d1c4-4e5d-bf24-7b317fbbff15",
"paid_in": {
"ispb": "18236120",
"name": "NU PAGAMENTOS - IP",
"code_number": 260
},
"resource_account_key": "8517eb4e-ddce-457b-9e39-194213e53691"
}
8.7 - Body Parameters
Body Parameters
| Field | Type | Description | Characters |
|---|---|---|---|
| contract_number | string | Contract number. | 10 |
| amortization_type | enum | Type of amortization. | Enumerators |
| reference_date | date | Reference date of the renegotiation. | 10 |
| installments | array of objects | Renegotiated installments. | Installments array of objects |
| discount_percentage | float | Discount percentage applied to the present value of the renegotiation. | 10 |
| amount_percentage | float | Discount value applied to the present value of the renegotiation. | 10 |
| installment_key | string | key da parcela a ser renegociada | chave uuid |
| proposal_due_date | string | Proposal due date | 10 |
| payment_type | string | Payment type | enumerators |
| proposal_status | string | Proposal status | 10 |
| issuer_document_number | string | Borrower's document number | 10 |
| proposal_key | string | Negotiation proposal key | UUID key |
9 - Additional information
9.1 - Points of contact
| Name | Phone number | |
|---|---|---|
| Gustavo Monteiro | gustavo.monteiro@qitech.com.br | +55 47 99778-6577 |
| Oscar Peixe | oscar.oliveira@qitech.com.br | +55 11 99571-2149 |
| Juliano Cury Silveira | juliano.silveira@qitech.com.br | +55 11 3336-6612 |
9.2 - Partial payment
When an installment is partially paid, its expected behavior is the same as an unpaid installment. The amount will continue to accumulate based on the total value of the installment. Additionally, the size of the partial payment and the timing of the payment (overdue vs. not overdue) do not affect this behavior.
Example: An installment of $100.00 receives a payment of $99.00 one day before the due date. The interest rate is 5% per month. In the following month, the outstanding amount will be $6.00. The calculation in this case would be:
Installment Value = $100
Amortization = $99
Interest = 5% per month = 0.05
Outstanding amount in the following month:
Installment Value - Amortization + Interest * (Total Installment Value)
= 100 - 99 + (100 × 0.05)
= 100 - 99 + 5
= 6
Additionally, since the behavior does not depend on whether the installment is overdue or not, nor the amount amortized, if the payment is made one day after the due date and the amortized value is $1.00, the interest would still be $5.00, resulting on a total outstanding amount of $104 ($100 - $1 + 5$).
10 - References
*: Mandatory steps for production deployment
10.1 - Registration and Authentication APIs LaaS
| Code | Step | Description | Documentation Link | Requirements |
|---|---|---|---|---|
| CAB0001* | Registration in the Sandbox environment | Register on the QI Tech platform in the Sandbox environment.(sandbox.qitech.app) | Registration | - |
| CAB0002* | Token validation in Sandbox. | Perform the QI Token validation in Sandbox. | Download the Token Inclusion Manual. (only in Portuguese) | CAB0001 |
| CAB0003* | Public key exchange | Perform the exchange of public keys within the QI Tech platform in the sandbox environment. (sandbox.qitech.app) | Documentation Link | CAB0001 e CAB0002 |
| CAB0004* | Authentication test of calls | Complete the authentication test of calls. | Step-by-Step Documentation Link | CAB0003 |
| CAB0005* | Webhook configuration | Set up the URL for sending webhooks by QI, through the QI Tech platform in the sandbox environment. (sandbox.qitech.app) | Documentation Link | CAB0001 e CAB0002 |
10.2 - Debt simulation
| Code | Step | Description | Documentation Link | Requirements |
|---|---|---|---|---|
| SID0001* | Debt simulation | Simulation of debt conditions, using previously determined variables | Documentation Link | Item 10.1 |
10.3 - Issuance of debt
| Code | Step | Description | Documentation Link | Requirements |
|---|---|---|---|---|
| EMD0001* | Issuance of debt for individuals (PF) | Issuance of the CCB for Individuals (PF). It consists of four main objects: debtor’s registration data (borrower object), financial details of the operation (financial object), bank details for payment (disbursement_bank_account), and indication of the assignee (purchaser_document_number). | Documentation Link | Items 10.1 e 10.2 |
| EMD0002* | Implementation of additional data | Data for filling out the generated CCB | Payload aligned in parallel | Mandatory if usage is defined. |
10.4 - Debt formalization
| Code | Step | Description | Documentation Link | Requirements |
|---|---|---|---|---|
| FOR0001 | Formalization of the debt | The CCB needs be signed after the debt issuance. | -- | Item 10.3 |
| FOR0002* | Reading of the finalized signature webhook. | Reading the asynchronous response of the operation formalization. Webhook status signature_finished | Documentation Link (only in Portuguese) | FOR0001 |
10.5 - Debt disbursement
| Code | Step | Description | Documentation Link | Requirements |
|---|---|---|---|---|
| DES0001* | Choice of disbursement date | After fulfilling all the requirements for the payment of the operation (document submission, signature, and registration), it is mandatory to choose a disbursement date within the disbursement range for the operation to be paid. | Documentation Link (only in Portuguese) | Item 4 |
| DES0002* | Reading the disbursement webhook of the operation | Reading the asynchronous response that indicates the success of the operation payment. Webhook status: disbursed. Here, we will have the payment receipt in PDF format, as well as the return of the identifying keys of the installments and their respective slips. | Documentation Link (only in Portuguese) | DES0001 |
10.6 - Debt Installments
| Code | Step | Description | Documentation Link | Requirements |
|---|---|---|---|---|
| INS0001* | Reading the webhook of installments | Reading the asynchronous response that indicates the status update of the debt installments. Aqui temos webhook_type: installment.status_change. Webhook status: opened, paid, waiting_payment, paid_early, paid_partial, overdue, paid_partial_overdue e paid_overdue. | Documentation Link (only in Portuguese) | DES0002 |
10.7 - Re-submission of the debt
| Code | Step | Description | Documentation Link | Requirements |
|---|---|---|---|---|
| PAG0001* | Alteration/Update of Disbursement Date | When an operation is canceled, updating the disbursement date will return the operation to the status it had before the cancellation. | Documentation Link (only in Portuguese) | Item 10.5 |
| PAG0002* | Alteration of Bank Details | Change of payment details for the operation, requiring the use of a bank account in the debtor's name. | Documentation Link (only in Portuguese) | PAG0001. Mandatory, if a retry exists. |
10.8 - Cancellation of the operation
| Code | Step | Description | Documentation Link | Requirements |
|---|---|---|---|---|
| CAN0002* | Permanent Cancellation of Debt Before Disbursement | Allows the permanent cancellation (final status) of the debt before payment. | Documentation Link | EMD0001 |
| CAN0003* | Cancellation Webhook Reading | Reading the asynchronous response of the operation's cancellation. Webhook status. | Documentation Link (only in Portuguese) | CAN0002 |
| CAN0004 | Debt Cancellation Up to Seven Days After Disbursement | Considering that the borrower can cancel the debt within 7 days of disbursement, it is possible for them to perform a chargeback of the received PIX or pay a return QR Code. | Documentation Link | DES0002 |
10.9 - Debt bank slips
| Code | Step | Description | Documentation Link | Requirements |
|---|---|---|---|---|
| BKS0001 | Requesting Second Copy of Bank Slip | Issuance of a second copy of the bank slip, through the bank slip identifier key (bank_slip_key), returned in the disbursement webhook. | Documentation Link | DES0002 |
10.10 - Debt renegotiation
| Code | Step | Description | Documentation Link | Requirements |
|---|---|---|---|---|
| REN0001 | Simulating a Debt Renegotiation | Allows for a partial or total renegotiation simulation. | Documentation Link (only in Portuguese) | DES0002 |
| REN0002 | Creating a Renegotiation | Allows for the creation of a partial or total renegotiation (generating an anticipation bank slip for installment payments). | Documentation Link (only in Portuguese) | DES0002 |
| REN0003 | Consulting a Renegotiation | Check the conditions of a renegotiation, including affected installments, financial details, due dates, and payment type. | Documentation Link (only in Portuguese) | REN0002 |
| REN0004 | Listing Renegotiations | View a list of conditions for multiple renegotiations. | Documentation Link (only in Portuguese) | REN0002 |
| REN0005 | Canceling a Renegotiation | Perform the cancellation of a renegotiation. | Documentation Link (only in Portuguese) | REN0002 |
| REN0006 | Payment of a Renegotiation | Webhooks for updating the status of a renegotiation. Webhook_type: renegotiation.proposal | Documentation Link (only in Portuguese) | REN0002 |