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Introduction to debt cancellation

Cancellation before disbursement​

The use of QI Tech's credit operations cancellation service, before disbursement, consists of a single request to our API.

Cancellation up to seven days after disbursement​

The use of QI Tech's credit operations cancellation service, within up to seven days after disbursement, consists of a single request to our API.

After the request, a Pix QR Code will be returned. Once paid, the operation will be canceled, and all refunds will be executed automatically.

Webhook​

When the payment is confirmed, our service executes all reversals and sends a webhook to the client, as per the following example:

{
   "reversal":{
      "date":"2022-09-06",
      "incoming_pix_transfer_key":null,
      "status":"pending_fund",
      "amount_to_send":2026.93,
      "third_party_account_key":"17e5120f-14f7-4802-8676-b63011154edf",
      "reversal_key":"eb0bbd1d-111d-4a61-bb65-c1f66a005ea2",
      "amount":2026.93,
      "is_total":true,
      "created_at":"2022-09-06T01:14:01",
      "is_operation_canceled":true,
      "transaction_key":null
   },
   "assigned_at":"None",
   "credit_operation_key":"2893b8bd-8f4e-4e45-9325-fc7003beb869",
   "assigned":true,
   "contract_number":"0000049333/TW"
}
Key points to consider in this cancellation operation after seven days::

  • The refund request must be made within 8 business days from the disbursement date.

  • The QR Code payment must be made within 15 business days from the disbursement date.

  • The current status of the credit operation must not be different from open.

  • No installment can have been paid.

  • When all reversals are successfully executed, a routine runs once a day, collecting the appropriate amount and sending it to the fund.