Seguro

Na QI Tech disponibilizamos aos nossos clientes a possibilidade de oferecer seguro junto com a operação de crédito, aqui você entenderá como usá-lo em nossas API's e entender melhor sobre esse novo produto.

Atenção

Esse produto está disponível apenas para parceiros cadastrados, por favor consulte um de nossos comerciais para mais detalhes.

Como usar

Para contratar ou simular uma dívida com a contratação de seguro, deverá ser adicionado a lista de rebates um rebate do tipo "insurance_premium_qi", sem nenhum valor declarado, pois ele será calculado de acordo com o valor de emissão da proposta e com o produto de seguro a ser contratado.

Atenção

Não é possível usar rebates do tipo tac ou insurance_premium junto com o insurance_premium_qi.

Objeto Rebate

{
  "rebates": [
    {
      "fee_type": "insurance_premium_qi"
    }
  ]
}

Simulação de dívida

Request

No exemplo abaixo, está descrita uma simulação de dívida, onde é pedido uma cotação de seguro.

ENDPOINT

/debt_simulation

MÉTODO

POST

Request Body

{
  "borrower": {
    "person_type": "natural",
    "individual_document_number": "46338864879",
    "birth_date": "1996-03-20"
  },
  "financial": {
    "desired_installments": [
      {
        "total_amount": 200,
        "due_date": "2023-10-01"
      }
    ],
    "interest_type": "pre_price_days",
    "disbursement_date": "2023-03-03",
    "fine_configuration": {
      "monthly_rate": 0,
      "interest_base": "calendar_days",
      "contract_fine_rate": 0
    },
    "monthly_interest_rate": 0.018,
    "credit_operation_type": "ccb",
    "interest_grace_period": 0,
    "number_of_installments": 1,
    "principal_grace_period": 0,
    "rebates": [
      {
        "fee_type": "insurance_premium_qi"
      }
    ]
  }
}

Response

STATUS

200

Response Body

{
    "type": "debt",
    "key": "a445c71c-d752-4159-82bf-097d8125b66c",
    "status": "finished",
    "event_datetime": "2024-10-03 00:26:26",
    "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": "2023-03-03",
        "number_of_installments": 1,
        "requester_key": "9cdbe6f9-0e94-45a7-af5f-2cec36356493",
        "final_disbursement_amount": 119.01,
        "total_pre_fixed_amount": 23.3844066642,
        "iof_amount": 3.74,
        "cet": 0.0773,
        "annual_cet": 1.44428,
        "disbursement_date": "2023-03-03",
        "installments": [
            {
                "calendar_days": 212,
                "workdays": 145.0,
                "business_due_date": "2023-10-02",
                "due_date": "2023-10-01",
                "due_principal": 176.62,
                "has_interest": true,
                "post_fixed_amount": null,
                "pre_fixed_amount": 23.3844066642,
                "tax_amount": 3.0702854745495474,
                "total_amount": 200,
                "principal_amortization_amount": 176.6155933358,
                "installment_number": 1
            }
        ],
        "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": "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
            },
            {
                "fee_type": "insurance_premium_qi",
                "amount_type": "percentage",
                "amount": 30.0,
                "fee_amount": 52.99,
                "tax_amount": 0.0,
                "net_fee_amount": 52.99,
                "csll_amount": 0,
                "irrf_amount": 0,
                "pis_amount": 0,
                "cofins_amount": 0,
                "amount_released": 52.99,
                "description": null
            }
        ],
        "contract_fee_amount": 0.88,
        "external_contract_fee_amount": 52.99,
        "net_external_contract_fee_amount": 52.99,
        "contract_fees": [
            {
                "fee_type": "tac",
                "amount_type": "percentage",
                "amount": 0.5,
                "fee_amount": 0.88
            }
        ],
        "issue_amount": 176.62,
        "disbursed_issue_amount": 119.01,
        "assignment_amount": 176.62,
        "disbursement_options": [
            {
                "iof_amount": 3.74,
                "total_pre_fixed_amount": 23.3844066642,
                "cet": 0.0773,
                "annual_cet": 1.44428,
                "contract_fees": [
                    {
                        "fee_type": "tac",
                        "amount_type": "percentage",
                        "amount": 0.5,
                        "fee_amount": 0.88
                    }
                ],
                "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": "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
                    },
                    {
                        "fee_type": "insurance_premium_qi",
                        "amount_type": "percentage",
                        "amount": 30.0,
                        "fee_amount": 52.99,
                        "tax_amount": 0.0,
                        "net_fee_amount": 52.99,
                        "csll_amount": 0,
                        "irrf_amount": 0,
                        "pis_amount": 0,
                        "cofins_amount": 0,
                        "amount_released": 52.99,
                        "description": null
                    }
                ],
                "contract_fee_amount": 0.88,
                "external_contract_fee_amount": 52.99,
                "net_external_contract_fee_amount": 52.99,
                "disbursement_date": "2023-03-03",
                "first_due_date": "2023-10-01",
                "installments": [
                    {
                        "calendar_days": 212,
                        "workdays": 145.0,
                        "business_due_date": "2023-10-02",
                        "due_date": "2023-10-01",
                        "due_principal": 176.62,
                        "has_interest": true,
                        "post_fixed_amount": null,
                        "pre_fixed_amount": 23.3844066642,
                        "tax_amount": 3.0702854745495474,
                        "total_amount": 200,
                        "principal_amortization_amount": 176.6155933358,
                        "installment_number": 1
                    }
                ],
                "issue_amount": 176.62,
                "disbursed_issue_amount": 119.01,
                "assignment_amount": 176.62,
                "final_disbursement_amount": 119.01,
                "prefixed_interest_rate": {
                    "interest_base": "calendar_days_365",
                    "annual_rate": 0.23872053,
                    "monthly_rate": 0.018,
                    "daily_rate": 0.00058669
                }
            }
        ]
    }
}

AVISO

É possível validar a elegibilidade da cobrança de seguro, já na simulação.
Para isso, é obrigatório o envio da data de nascimento (birth_date), CPF do devedor (document_number) e o rebate "insurance_premium_qi".
Se o CPF for elegível, teremos um retorno de sucesso, se não for elegível, a requisição de simulação retornará um erro.

Consulta de elegibilidade de CPF para o seguro

Em posse dos dados de CPF, é possível a consulta da elegibilidade do CPF.

Request

ENDPOINT

/debts/borrower/[document_number]/insurance_premium_qi_eligibility?birth_date=1994-06-11&issue_amount=150

METHOD

GET

Params

Campo	Descrição
`document_number`	Número de CPF do devedor
`birth_date`	Data de nascimento
`issue_amount`	Valor de emissão da operação de crédito

Response

STATUS

200

Response Body

{
    "eligible": true
}

Descrição

Campo	Tipo
`elegible`	boleean

Atenção

Para um CPF com o retorno "eligible": false, tanto a simulação, quanto a emissão da dívida não serão possíveis com o envio de insurance_premium_qi na lista rebates.

Criação de dívida

Para criação de dívida com seguro é necessário alguns dados obrigatórios do tomador do crédito, como endereço, telefone, email, data de nascimento e gênero. Se alguns desses dados for omtido a dívida não será emitida.

Request

ENDPOINT

/debt

MÉTODO

POST

Request Body

{
  "borrower": {
    "person_type": "natural",
    "individual_document_number": "46338864879",
    "name": "PATRICIA APARECIDA DO NASCIMENTO PEREIRA DA SILVA",
    "is_pep": false,
    "mother_name": "HELENA DO NASCIMENTO PEREIRA DA SILVA",
    "email": "email@email.com",
    "birth_date": "1994-06-11",
    "gender": "male",
    "phone": {
      "number": "900000000",
      "area_code": "11",
      "country_code": "055"
    },
    "address": {
      "city": "São Paulo",
      "state": "SP",
      "number": "215",
      "street": "Gilberto Sabino",
      "complement": "s/c",
      "postal_code": "12345012",
      "neighborhood": "Pinheiros"
    }
  },
  "financial": {
    "desired_installments": [
      {
        "total_amount": 200,
        "due_date": "2023-10-01"
      }
    ],
    "interest_type": "pre_price_days",
    "disbursement_date": "2023-03-03",
    "fine_configuration": {
      "monthly_rate": 0,
      "interest_base": "calendar_days",
      "contract_fine_rate": 0
    },
    "monthly_interest_rate": 0.018,
    "credit_operation_type": "ccb",
    "interest_grace_period": 0,
    "number_of_installments": 1,
    "principal_grace_period": 0,
    "rebates": [
      {
        "fee_type": "insurance_premium_qi"
      }
    ]
  },
  "disbursement_bank_account": {
    "ispb_number": "18236120",
    "branch_number": "1",
    "account_number": "87823171",
    "account_digit": "0",
    "document_number": "46338864879",
    "name": "PATRICIA APARECIDA DO NASCIMENTO PEREIRA DA SILVA",
    "percentage_receivable": 1
  },
  "purchaser_document_number": "32402502000135"
}

Response

STATUS

201

Response Body

{
  "webhook_type": "debt",
  "key": "7a9bb512-7b38-4dbc-a109-1bc122b67a4a",
  "status": "waiting_signature",
  "event_datetime": "2023-03-03 18:06:18",
  "data": {
    "borrower": {
      "name": "PATRICIA APARECIDA DO NASCIMENTO PEREIRA DA SILVA",
      "document_number": "46338864879",
      "related_party_key": "1b98cff5-b1eb-4f3d-b337-716d76137770"
    },
    "contract": {
      "number": "0000062201/PAD",
      "urls": [
        "https://storage.googleapis.com/live-doc-api/documents/45e5b9c0-0f56-40a8-aace-d206f72c164d/QISCD-NOME_DO_DEVEDOR-CCB-0000000002-20230317183044.pdf"
      ],
      "external_contract_key": "35b882b1-9937-41d3-bf43-e0d30062dc1b",
      "signature_information": [
        {
          "signer_name": "PATRICIA APARECIDA DO NASCIMENTO PEREIRA DA SILVA",
          "signer_document_number": "46338864879",
          "signer_role": "issuer",
          "signer_email": "email@email.com",
          "signer_external_key": "3a50f3cd-8178-49c8-9fc2-984b4caa4a5b",
          "signature_url": "https://sandbox.sign.qitech.com.br/s/ml9Myfp"
        }
      ]
    },
    "requester_identifier_key": "7a9bb512-7b38-4dbc-a109-1bc122b67a4a",
    "iof_charge_method": "financed",
    "collaterals": [],
    "contract_fees": [],
    "external_contract_fees": [
      {
        "fee_type": "insurance_premium_qi",
        "fee_amount": 52.99,
        "tax_amount": 0,
        "net_fee_amount": 52.99
      }
    ],
    "external_contract_fee_amount": 52.99,
    "net_external_contract_fee_amount": 52.99,
    "contract_fee_amount": 0,
    "issue_amount": 176.62,
    "assignment_amount": 176.62,
    "cet": "7,6200%",
    "annual_cet": "141,3472%",
    "number_of_installments": 1,
    "base_iof": 3.0702854745495474,
    "additional_iof": 0.671156,
    "total_iof": 3.74,
    "prefixed_interest_rate": {
      "annual_rate": 0.23872053,
      "created_at": "2024-09-11T18:06:07",
      "daily_rate": 0.00058669,
      "interest_base": "calendar_days_365",
      "monthly_rate": 0.018
    },
    "installments": [
      {
        "accrual_reference_date": null,
        "additional_costs": [],
        "advanced_paid_amount": 0,
        "bank_slip_key": null,
        "business_due_date": "2023-10-02",
        "calendar_days": 212,
        "digitable_line": null,
        "due_date": "2023-10-01",
        "due_interest": 0,
        "due_principal": 176.62,
        "fine_amount": null,
        "has_interest": true,
        "installment_history": [],
        "installment_key": "6087c6c1-d665-4ba8-bfb2-b447cd57d3e3",
        "installment_number": 1,
        "installment_payment": [],
        "installment_status": "created",
        "installment_type": "principal",
        "original_due_principal": 176.62,
        "original_pre_fixed_amount": 23.3844066642,
        "original_principal_amortization_amount": 176.6155933358,
        "original_total_amount": 200,
        "paid_amount": 0,
        "paid_at": null,
        "post_fixed_amount": null,
        "pre_fixed_amount": 23.3844066642,
        "principal_amortization_amount": 176.6155933358,
        "qr_code_key": null,
        "qr_code_url": null,
        "renegotiation_proposal_key": null,
        "tax_amount": 3.0702854745495474,
        "total_accrual_amount": null,
        "total_amount": 200,
        "total_paid_amount": 0,
        "workdays": 145
      }
    ],
    "total_pre_fixed_amount": 23.3844066642
  }
}

Webhooks

Seguro emitido

A emissão do seguro será feito após o desembolso da operação, o seguinte webhook será enviado quando o seguro terminar de ser emitido com os dados do seguro.

Atenção

Ao receber o webhook de bilhete emitido é obrigatório a transmissão do documento do bilhete gerado para o tomador de crédito.

Webhook Body

{
  "data": {
    "credit_operation_key": "5ae2c008-44c1-4435-bbfa-094a4b11d962",
    "insurance_policy_document_key": "9990ce22-aeac-4728-82da-d1f22c33873f",
    "insurance_date": "2024-09-11",
    "term_start_date": "2024-09-11",
    "term_end_date": "2025-09-11",
    "insurance_amount": 1600,
    "operation_amount": 6400,
    "covers": [
      {
        "cover_amount": 200,
        "cover_type": "permanent_disability",
        "cover_prize_amount": 572.82
      },
      {
        "cover_amount": 100,
        "cover_type": "accidental_death",
        "cover_prize_amount": 572.82
      },
      {
        "capitalcover_amount_segurado": 300,
        "cover_type": "unemployment",
        "cover_prize_amount": 572.82
      }
    ],
    "policy_number": "1098200000008",
    "prize_number": "3907",
    "insurance_premium_net_amount": 1145.63,
    "iof_amount": 4.37
  },
  "event_datetime": "2023-03-03 22:39:39",
  "key": "dc575950-dcce-48e1-99a6-5fb0ada63d86",
  "status": "active",
  "webhook_type": "insurance_premium.status_change"
}

Seguro cancelado

O seguro pode ser cancelado quando o tomador do crédito queira desistir de operação de crédito e a operação for revertida ou quando tomador acaba desistindo somente do seguro.

Atenção

O bilhete de seguro só pode ser cancelado totalmente dentro de 7 dias corridos do desembolso da operação de crédito, caso queira cancelar após isso o valor devolvido vai ser proporcional a duração do seguro.

Webhook Body

{
  "data": {
    "cancel_reason": "reversed_operation"
  },
  "event_datetime": "2023-03-03 22:39:39",
  "key": "dc575950-dcce-48e1-99a6-5fb0ada63d86",
  "status": "canceled",
  "webhook_type": "insurance_premium.status_change"
}

Motivos de cancelamento

cancel_reason	Descrição
`reversed_operation`	Operação revertida e seguro cancelados
`insurance_premium_cancel`	Somente o seguro foi cancelado

Consulta do seguro

Request

ENDPOINT

/debt/[debt_key]/insurance_premiums

METHOD

GET

Response

STATUS

200

Response Body

{
  "data": [
    {
      "insurance_premium_key": "e4fe84e3-cc71-481b-87ea-8a07f7d69079",
      "status": "active",
      "credit_operation_key": "5ae2c008-44c1-4435-bbfa-094a4b11d962",
      "disbursement_key": "bd0ea133-ff47-4a21-a3e6-24186e5e2fc1",
      "contract_number": "4069550961/QIT",
      "requester_key": "1040ce22-aeac-4728-82da-d1f22c33873f",
      "insurance_policy_document_key": "9990ce22-aeac-4728-82da-d1f22c33873f",
      "insurance_date": "2024-09-11",
      "term_start_date": "2024-09-11",
      "term_end_date": "2025-09-11",
      "insurance_amount": 1600,
      "operation_amount": 6400,
      "customer": {
        "customer_key": "cd587fa8-3abd-4023-99ab-957df60933a5",
        "document_number": "08556878350",
        "name": "Wilker Oliveiraço",
        "birth_date": "1998-03-21",
        "gender": "male",
        "email": "urich.oliveira@yopmail.com",
        "phone": {
          "country_code": "55",
          "area_code": "11",
          "number": "966931427"
        },
        "address": {
          "postal_code": "56821686",
          "state": "CE",
          "city": "Ceará",
          "neighborhood": "Marmiteiros",
          "street": "Conjunto João Gabriel da Mata",
          "number": "95",
          "complement": ""
        }
      },
      "covers": [
        {
          "cover_amount": 200,
          "cover_type": "permanent_disability",
          "cover_prize_amount": 572.82
        },
        {
          "cover_amount": 100,
          "cover_type": "accidental_death",
          "cover_prize_amount": 572.82
        },
        {
          "cover_amount": 300,
          "cover_type": "unemployment",
          "cover_prize_amount": 572.82
        }
      ],
      "policy_number": "1098200000008",
      "prize_number": "3907",
      "insurance_premium_net_amount": 1145.63,
      "iof_amount": 4.37
    }
  ],
  "pagination": {
    "current_page": 0,
    "next_page": 0,
    "rows_per_page": 1
  }
}

Request

ENDPOINT

/debt/[DEBT-KEY]/insurance_premium/[INSURANCE-PREMIUM-KEY]

METHOD

GET

Response

STATUS

200

Response Body

{
  "insurance_premium_key": "e4fe84e3-cc71-481b-87ea-8a07f7d69079",
  "status": "active",
  "credit_operation_key": "5ae2c008-44c1-4435-bbfa-094a4b11d962",
  "disbursement_key": "bd0ea133-ff47-4a21-a3e6-24186e5e2fc1",
  "contract_number": "4069550961/QIT",
  "requester_key": "1040ce22-aeac-4728-82da-d1f22c33873f",
  "insurance_policy_document_key": "9990ce22-aeac-4728-82da-d1f22c33873f",
  "insurance_date": "2024-09-11",
  "term_start_date": "2024-09-11",
  "term_end_date": "2025-09-11",
  "insurance_amount": 1600,
  "operation_amount": 6400,
  "customer": {
    "customer_key": "cd587fa8-3abd-4023-99ab-957df60933a5",
    "document_number": "08556878350",
    "name": "Wilker Oliveiraço",
    "birth_date": "1998-03-21",
    "gender": "male",
    "email": "urich.oliveira@yopmail.com",
    "phone": {
      "country_code": "55",
      "area_code": "11",
      "number": "966931427"
    },
    "address": {
      "postal_code": "56821686",
      "state": "CE",
      "city": "Ceará",
      "neighborhood": "Marmiteiros",
      "street": "Conjunto João Gabriel da Mata",
      "number": "95",
      "complement": ""
    }
  },
  "covers": [
    {
      "cover_amount": 300,
      "cover_type": "permanent_disability",
      "cover_prize_amount": 572.82
    },
    {
      "cover_amount": 300,
      "cover_type": "accidental_death",
      "cover_prize_amount": 572.82
    },
    {
      "cover_amount": 300,
      "cover_type": "unemployment",
      "cover_prize_amount": 572.82
    }
  ],
  "policy_number": "1098200000008",
  "prize_number": "3907",
  "insurance_premium_net_amount": 1145.63,
  "iof_amount": 4.37
}

Consulta do documento bilhete

Atenção

O link do documento é expirável e tem uma duração de 15 minutos.

Request

ENDPOINT

/document/[DOCUMENT-KEY]/url

METHOD

GET

Response

STATUS

200

Response Body

{
    "document_key": "a11dc0fe-51ed-41aa-bb40-bca80d6e515b",
    "signed_document_url": null,
    "document_url": "https://storage.googleapis.com/dev-doc-api-private/documents/a11dc0fe-51ed-41aa-bb40-bca80d6e515b/TESTEELECTRONIC2.pdf?Expires=1726081733&GoogleAccessId=doc-api-signed-url-service-acc%40qicredit-dev.iam.gserviceaccount.com&Signature=CNY8ch%2BQ2FuLXrbRZGLhH41A7SkNJRUUq%2FJoegTIMeXEiNImD%2FkPoEHyNtOXWUUR8JtEL6ppT0s1tXA9oFfLjzOtvzMOfpal0TwJDLSsX9r4HxcxvzFZUJELAn9yIAcRhqR%2BnzUn0WYyQA%2B0hAalz%2Bj274pXhIExqJJR4LiDUAkzRE3WD0GOvsV7afAoqQ8P3Xxj4mvOM3P%2BuFhgP6hcJmq0K%2B5qHssF3DtvpQFLcLaQ7T45YoQDCnDFGztD0Un0%2BNBwv4n2142rV3rMu9h3DzLmQbEjaeYgHb4wq2kOfyfEUSbaU683d6hA7CNyrPWMeoi%2F%2BgTfFFadbcGCMGX2%2BQ%3D%3D",
    "expiration_datetime": "2023-03-03T19:08:53.000Z"
}

Seguro

Como usar​

Simulação de dívida​

Request​

Response​

Consulta de elegibilidade de CPF para o seguro​

Request​

Params​

Response​

Descrição​

Criação de dívida​

Request​

Response​

Webhooks​

Seguro emitido​

Seguro cancelado​

Motivos de cancelamento​

Consulta do seguro​

Request​

Response​

Request​

Response​

Consulta do documento bilhete​

Request​

Response​

Como usar

Simulação de dívida

Request

Response

Consulta de elegibilidade de CPF para o seguro

Request

Params

Response

Descrição

Criação de dívida

Request

Response

Webhooks

Seguro emitido

Seguro cancelado

Motivos de cancelamento

Consulta do seguro

Request

Response

Request

Response

Consulta do documento bilhete

Request

Response