Cancellation

An Auto Credit operation can be cancelled in three distinct scenarios, each with its own endpoint. In all cases, the fiduciary lien / gravame is automatically removed from the vehicle once the cancellation is confirmed.

Scenario	When to use	Endpoint
Before disbursement	Operation created but not yet disbursed to the dealership	PATCH /debt/{DEBT-KEY}/cancel
Dealership refund	Operation already disbursed — the dealership refunds the amount via Pix QR Code	POST /debt/reversal
Permanent cancellation	Definitive withdrawal of the operation (closure without possibility of reactivation)	POST /debt/{DEBT-KEY}/cancel_permanently

Before disbursement

While the operation has not yet been disbursed, you can cancel it directly through PATCH /debt/{DEBT-KEY}/cancel. Since no funds have left QI Tech to the dealership, the cancellation is immediate and no refund flow is required.

ENDPOINT

/debt/DEBT-KEY/cancel

METHOD

PATCH

The full endpoint reference, including the response body, is available at Cancel debt before disbursement.

When to use

Use this endpoint whenever the operation has not yet been disbursed (status before the disbursement to the dealership). After disbursement, use the refund flow via /debt/reversal.

Refund via /debt/reversal

After disbursement, cancellation happens by refunding the amount to QI Tech via a Pix QR Code. For Auto Credit, the QR Code is paid by the dealership (which received the original disbursement), not by the borrower. Once payment is confirmed, the operation is cancelled and the lien/gravame is removed from the vehicle at SNG/Detran. If assignment has already occurred, the amount is refunded to the assignee.

Step by step

1. The partner calls POST /debt/reversal with the contract_number of the operation to be cancelled.
2. QI Tech responds with a Pix QR Code (copy_paste_pix, amount, expiration_date).
3. The partner forwards the QR Code to the dealership (which received the original disbursement).
4. The dealership pays the QR Code.
5. Once payment is confirmed, the operation is cancelled automatically and the fiduciary lien / gravame is removed from the vehicle at SNG/Detran. If assignment has already occurred, the amount is refunded to the assignee.

Request

POST /debt/reversal

{
    "contract_number": "0000049343/TW"
}

Optional fields: days_to_expire (calendar days) or workdays_to_expire (business days) to customize the QR Code expiration (default: 14 business days).

Response

{
    "amount": "10641.24",
    "copy_paste_pix": "00020126930014br.gov.bcb.pix2571qrcode-...",
    "expiration_date": "2025-05-24",
    "payer_document_number": "98765432000100",
    "payer_name": "CONCESSIONARIA EXEMPLO VEICULOS",
    "reversal_key": "f98a1b7c-5e3c-4e6f-8887-c7fedfa0d5b5",
    "status": "waiting_payment"
}

Full references

• Generate the Pix QR Code refund (POST /debt/reversal) — complete endpoint reference, including fields and error responses.
• Query the Pix QR Code refund — to track payment status.

Prerequisite

The endpoint must be enabled by QI Tech, including the configuration of the assignee's refund account. Contact your QI Tech focal point to set this up.

Permanent cancellation

Permanent cancellation closes the credit operation definitively, with no possibility of reactivation. Use this endpoint when the withdrawal is final and none of the recovery flows (bank account resubmission, document resending, etc.) apply.

ENDPOINT

/debt/debt_key/cancel_permanently

METHOD

POST

The full endpoint reference, including the response body, is available at Cancel permanently.

Irreversible operation

After cancel_permanently, the operation cannot be reactivated. Evaluate whether the alternatives (/cancel before disbursement, or /debt/reversal after) cover your use case before using this endpoint.