BNPL Issuance

Summary

This endpoint issues the debt and processes the contract signature via opt-in. Disbursement occurs automatically immediately after issuance. Pre-registration is not required; simply provide the borrower's details during the debt request.

Request

ENDPOINT

/signed_debt

METHOD

POST

Test in Playground

Request Body

{
    "borrower": {
        "name": "Dante Ferrarini",
        "email": "",
        "phone": {
            "number": "185633631",
            "area_code": "15",
            "country_code": "086"
        },
        "is_pep": false,
        "address": {
            "city": "São Paulo",
            "state": "SP",
            "number": "",
            "street": "Rua Gilberto Sabino",
            "postal_code": "05425020",
            "neighborhood": "Pinheiros",
            "complement": ""
        },
        "role_type": "issuer",
        "birth_date": "1993-09-10",
        "person_type": "natural",
        "attached_documents_list": [
            {
                "selfie": "250e7e95-57c8-40bd-a0cd-0be8eb172916"
            }
        ],
        "individual_document_number": "31057466093"
    },
    "financial": {
        "interest_type": "pre_price_days",
        "disbursement_date": "2026-03-26",
        "fine_configuration": {
            "monthly_rate": 0.01,
            "interest_base": "calendar_days",
            "contract_fine_rate": 0.02
        },
        "disbursed_amount": 1000,
        "credit_operation_type": "ccb",
        "interest_grace_period": 0,
        "number_of_installments": 2,
        "principal_grace_period": 0,
        "monthly_interest_rate": 0.052
    },
    "simplified": true,
    "additional_data": {
        "contract": {
            "contract_number": "DWF1761292996",
            "signatures": [
                {
                    "signer": {
                        "name": "Dante Ferrarini",
                        "email": "",
                        "phone": {
                            "number": "185633631",
                            "area_code": "15",
                            "country_code": "086"
                        },
                        "document_number": "31057466093"
                    },
                    "signature": {
                        "timestamp": "2026-01-28T06:36:35Z",
                        "ip_address": "192.168.1.1",
                        "signature_file": {
                            "file_url": "https://qitech.com.br/signature.pdf",
                            "file_type": "pdf"
                        }
                    }
                }
            ]
        }
    },
    "requester_identifier_key": "d2106ef5-19df-4183-bf0e-802b8229933c",
    "purchaser_document_number": "32402502000135",
    "disbursement_bank_accounts": [
        {
            "name": "company name",
            "ispb_number": "32402502",
            "account_digit": "5",
            "branch_number": "0001",
            "account_number": "7617846",
            "document_number": "32246162000281",
            "percentage_receivable": 100
        }
    ]
}

Request Body Details

Field	Type	Description	Max. Char.
borrower*	object	Borrower Object - The debtor of the credit operation	Borrower Object
financial*	object	Contains all financial details and calculation parameters for the operation	Financial Object
simplified	boolean	If true, uses the simplified issuance flow	5
additional_data*	object	Additional contract data, including signatures	Additional Data Object
requester_identifier_key	string	Requester identifier key	UUID
purchaser_document_number*	string	Assignee's Tax ID – The buyer of the credit operation (FIDC/Receivables Investment Fund)	14
disbursement_bank_accounts*	array	Technical details of the bank account where the operation funds will be deposited	Disbursement Bank Account Object

Borrower Object

Field	Type	Description	Max. Char.
name*	string	Full name of the borrower	100
email	string	Borrower's email address	254
phone	object	Borrower's contact telephone details	Phone Object
is_pep*	boolean	Politically Exposed Person (PEP) indicator	5
address*	object	Borrower's residential address details	Address Object
role_type	string	The role of the person in the operation (e.g., "issuer")	10
birth_date*	date	Borrower's date of birth (Format: "YYYY-MM-DD")	10
person_type*	string	Person classification (natural or legal)	7
attached_documents_list	array	List of attached documents (e.g., selfie)	Attached Documents Object
individual_document_number*	string	Borrower's Tax ID (CPF) - numbers only	11

Attached Documents Object

Field	Type	Description	Max. Char.
selfie	string	DOCUMENT_KEY of the selfie document uploaded via upload	UUID

Address Object

Field	Type	Description	Max. Char.
city*	string	City name of the address	100
state*	string	State abbreviation (two uppercase characters)	2
number	string	Street number	10
street*	string	Street name	100
complement	string	Address complement (free text)	100
postal_code*	string	Postal code (CEP) - numbers only	8
neighborhood*	string	Neighborhood or district name	100

Phone Object

Field	Type	Description	Max. Char.
number*	string	Subscriber's phone number	9
area_code*	string	Two-digit regional area code (e.g., "11")	2
country_code*	string	International dialing code (e.g., "055")	3

Financial Object

Field	Type	Description	Max. Char.
interest_type*	string	Amortization method	20
disbursement_date*	string	Disbursement date	10
fine_configuration*	object	Fine and penalty configuration	Fine Configuration Object
disbursed_amount*	float	Amount to be disbursed	15,2
credit_operation_type*	string	Type of credit operation (e.g., "ccb")	10
interest_grace_period	integer	Interest grace period (in months)	3
number_of_installments*	integer	Number of installments	3
principal_grace_period	integer	Principal grace period (in months)	3
monthly_interest_rate*	float	Monthly interest rate	10,6

Fine Configuration Object

Field	Type	Description	Max. Char.
monthly_rate*	float	Monthly penalty rate	10,6
interest_base*	string	Penalty calculation base (e.g., "calendar_days")	20
contract_fine_rate*	float	Contractual fine rate	10,6

Disbursement Bank Account Object

Field	Type	Description	Max. Char.
name	string	Account holder's full name	50
ispb_number	string	Financial institution's ISPB code	8
account_digit*	string	Account check digit (use zero instead of letters)	1
branch_number*	string	Branch number (do not include the branch check digit!)	4
account_number*	string	Account number (do not include the account check digit!)	10
document_number	string	Account holder's Tax ID (CPF/CNPJ)	14
percentage_receivable*	float	Disbursement percentage for this account	3

Additional Data Object

Field	Type	Description	Max. Char.
contract_number*	string	The unique identifier or reference number of the contract	20
signatures*	array	List of digital signature evidence objects (Opt-in)	Signature Object

Signature Object

Field	Type	Description	Max. Char.
name*	string	Full name of the signer	255
document_number*	string	Signer's tax identification number (CPF)	11
email	string	Electronic mail address of the signer	100
phone	object	Signer's contact telephone details	Phone Object
ip_address*	string	The IP address used during the signature process	45
timestamp*	string	Date and time of the signature (ISO 8601: YYYY-MM-DDTHH:mm:ssZ)	24
file_url*	string	Direct link to the signed contract document (PDF)	2048
file_type*	string	Format of the signature file (e.g., "pdf")	4

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

201

Response Body

{
    "webhook_type": "debt",
    "key": "75f95e0a-48b6-451f-b12c-7db9aa514990",
    "status": "issued",
    "event_datetime": "2026-04-02T16:04:35Z",
    "data": {
        "borrower": {
            "name": "Dante Ferrarini",
            "document_number": "31057466093",
            "related_party_key": "69f51ee3-1aac-4c29-9d43-e2c989a680a3"
        },
        "contract": {
            "document_key": null,
            "number": "DWF1761292996",
            "urls": [],
            "signature_information": [
                {
                    "signer_name": "Dante Ferrarini",
                    "signer_document_number": "31057466093",
                    "signer_role": "issuer",
                    "signer_email": null,
                    "signer_external_key": null,
                    "signature_url": null
                }
            ]
        },
        "requester_identifier_key": "d2106ef5-19df-4183-bf0e-802b8229933c",
        "iof_charge_method": "financed",
        "collaterals": [],
        "contract_fees": [
            {
                "fee_type": "spread",
                "fee_amount": 3.02
            }
        ],
        "external_contract_fees": [
            {
                "fee_type": "tac",
                "fee_amount": 0,
                "tax_amount": 0,
                "net_fee_amount": 0
            }
        ],
        "external_contract_fee_amount": 0,
        "net_external_contract_fee_amount": 0,
        "contract_fee_amount": 3.02,
        "issue_amount": 1007.66,
        "assignment_amount": 1010.68,
        "cet": "5,8100%",
        "annual_cet": "96,9634%",
        "number_of_installments": 2,
        "base_iof": 3.83,
        "additional_iof": 3.83,
        "total_iof": 7.66,
        "ipoc_code": "324025020203131057466093DWF1761292996",
        "prefixed_interest_rate": {
            "annual_rate": 0.8373372409,
            "created_at": "2026-04-02T16:04:31",
            "daily_rate": 0.0016911989,
            "interest_base": "calendar_days",
            "monthly_rate": 0.052
        },
        "installments": [
            {
                "accrual_reference_date": null,
                "additional_costs": [],
                "advanced_paid_amount": 0,
                "bank_slip_key": null,
                "business_due_date": "2026-04-27",
                "calendar_days": 31,
                "digitable_line": null,
                "due_date": "2026-04-26",
                "due_interest": 0,
                "due_principal": 1007.66,
                "fine_amount": null,
                "has_interest": true,
                "installment_history": [],
                "installment_key": "b88734f5-d6b6-40f0-b87d-de5be7ccad61",
                "installment_number": 1,
                "installment_payment": [],
                "installment_status": "created",
                "installment_type": "principal",
                "original_due_principal": 1007.66,
                "original_pre_fixed_amount": 54.19129083,
                "original_principal_amortization_amount": 490.18870917,
                "original_total_amount": 544.38,
                "paid_amount": 0,
                "paid_at": null,
                "post_fixed_amount": 0,
                "pre_fixed_amount": 54.19129083,
                "principal_amortization_amount": 490.18870917,
                "qr_code_key": null,
                "qr_code_url": null,
                "renegotiation_proposal_key": null,
                "tax_amount": 1.2460597,
                "total_accrual_amount": null,
                "total_amount": 544.38,
                "total_paid_amount": 0,
                "workdays": 19
            },
            {
                "accrual_reference_date": null,
                "additional_costs": [],
                "advanced_paid_amount": 0,
                "bank_slip_key": null,
                "business_due_date": "2026-05-26",
                "calendar_days": 30,
                "digitable_line": null,
                "due_date": "2026-05-26",
                "due_interest": 0,
                "due_principal": 517.47129083,
                "fine_amount": null,
                "has_interest": true,
                "installment_history": [],
                "installment_key": "0157a4cf-9c16-4efb-8a96-5c5e5f2f7956",
                "installment_number": 2,
                "installment_payment": [],
                "installment_status": "created",
                "installment_type": "principal",
                "original_due_principal": 517.47129083,
                "original_pre_fixed_amount": 26.90870917,
                "original_principal_amortization_amount": 517.47129083,
                "original_total_amount": 544.38,
                "paid_amount": 0,
                "paid_at": null,
                "post_fixed_amount": 0,
                "pre_fixed_amount": 26.90870917,
                "principal_amortization_amount": 517.47129083,
                "qr_code_key": null,
                "qr_code_url": null,
                "renegotiation_proposal_key": null,
                "tax_amount": 2.5883914,
                "total_accrual_amount": null,
                "total_amount": 544.38,
                "total_paid_amount": 0,
                "workdays": 21
            }
        ],
        "total_pre_fixed_amount": 81.1
    }
}

Attention

Remember to save the DEBT-KEY returned in the response, as it will be required for queries, renegotiations, and reversals of the operation.

Summary​

Request​

Request Body Details​

Borrower Object​

Attached Documents Object​

Address Object​

Phone Object​

Financial Object​

Fine Configuration Object​

Disbursement Bank Account Object​

Additional Data Object​

Signature Object​

Response​