Skip to main content

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": "2026-04-07",
        "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": "DWF1761222116",
            "signatures": [
                {
                    "signer": {
                        "name": "Dante Ferrarini",
                        "email": "",
                        "phone": {
                            "number": "185633631",
                            "area_code": "15",
                            "country_code": "086"
                        },
                        "document_number": "31057466093"
                    },
                    "signature": {
                        "timestamp": "28-01-2026 06:36:35",
                        "ip_address": "192.168.1.1",
                        "signature_file": {
                            "file_url": "https://qitech.com.br/signature.pdf",
                            "file_type": "pdf"
                        }
                    }
                }
            ]
        }
    },
    "requester_identifier_key": "d1905ef5-19df-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​

FieldTypeDescriptionMax. Char.
borrower*objectBorrower Object - The debtor of the credit operationBorrower Object
financial*objectContains all financial details and calculation parameters for the operationFinancial Object
simplifiedbooleanIf true, uses the simplified issuance flow-
additional_data*objectAdditional contract data, including signaturesAdditional Data Object
requester_identifier_keystringRequester identifier keyUUID
purchaser_document_number*stringAssignee's Tax ID – The buyer of the credit operation (FIDC/Receivables Investment Fund)14
disbursement_bank_accounts*arrayTechnical details of the bank account where the operation funds will be depositedDisbursement Bank Account Object

Borrower Object​

FieldTypeDescriptionMax. Char.
name*stringFull name of the borrower100
emailstringBorrower's email address254
phoneobjectBorrower's contact telephone detailsPhone Object
is_pep*booleanPolitically Exposed Person (PEP) indicator5
address*objectBorrower's residential address detailsAddress Object
role_typestringThe role of the person in the operation (e.g., "issuer")10
birth_date*dateBorrower's date of birth (Format: "YYYY-MM-DD")10
person_type*stringPerson classification (natural or legal)7
attached_documents_listarrayList of attached documents (e.g., selfie)Attached Documents Object
individual_document_number*stringBorrower's Tax ID (CPF) - numbers only11

Attached Documents Object​

FieldTypeDescriptionMax. Char.
selfiestringDOCUMENT_KEY of the selfie document uploaded via uploadUUID

Address Object​

FieldTypeDescriptionMax. Char.
city*stringCity name of the address100
state*stringState abbreviation (two uppercase characters)2
numberstringStreet number10
street*stringStreet name100
complementstringAddress complement (free text)100
postal_code*stringPostal code (CEP) - numbers only8
neighborhood*stringNeighborhood or district name100

Phone Object​

FieldTypeDescriptionMax. Char.
number*stringSubscriber's phone number9
area_code*stringTwo-digit regional area code (e.g., "11")2
country_code*stringInternational dialing code (e.g., "055")3

Financial Object​

FieldTypeDescriptionMax. Char.
interest_type*stringAmortization method20
disbursement_date*stringDisbursement date10
fine_configuration*objectFine and penalty configurationFine Configuration Object
disbursed_amount*floatAmount to be disbursed15,2
credit_operation_type*stringType of credit operation (e.g., "ccb")10
interest_grace_periodintegerInterest grace period (in months)3
number_of_installments*integerNumber of installments3
principal_grace_periodintegerPrincipal grace period (in months)3
monthly_interest_rate*floatMonthly interest rate10,6

Fine Configuration Object​

FieldTypeDescriptionMax. Char.
monthly_rate*floatMonthly penalty rate10,6
interest_base*stringPenalty calculation base (e.g., "calendar_days")20
contract_fine_rate*floatContractual fine rate10,6

Disbursement Bank Account Object​

FieldTypeDescriptionMax. Char.
namestringAccount holder's full name50
ispb_numberstringFinancial institution's ISPB code8
account_digit*stringAccount check digit (use zero instead of letters)1
branch_number*stringBranch number (do not include the branch check digit!)4
account_number*stringAccount number (do not include the account check digit!)10
document_numberstringAccount holder's Tax ID (CPF/CNPJ)14
percentage_receivable*floatDisbursement percentage for this account3

Additional Data Object​

FieldTypeDescriptionMax. Char.
contract*objectContract dataContract Object

Contract Object​

FieldTypeDescriptionMax. Char.
contract_number*stringThe unique identifier or reference number of the contract20
signatures*arrayList of digital signature evidence objects (Opt-in)Signature Object

Signature Object​

FieldTypeDescriptionMax. Char.
signer*objectSigner identification dataSigner Object
signature*objectDigital signature evidence dataSignature Details Object

Signer Object​

FieldTypeDescriptionMax. Char.
name*stringFull name of the signer255
document_number*stringSigner's tax identification number (CPF)11
emailstringElectronic mail address of the signer100
phoneobjectSigner's contact telephone detailsPhone Object

Signature Details Object​

FieldTypeDescriptionMax. Char.
ip_address*stringThe IP address used during the signature process45
timestamp*stringDate and time of the signature (ISO 8601: YYYY-MM-DDTHH:mm:ssZ)24
signature_file*objectDigital signature fileSignature File Object

Signature File Object​

FieldTypeDescriptionMax. Char.
file_url*stringDirect link to the signed contract document (PDF)2048
file_type*stringFormat 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": "72760166-4ddf-41fb-8a8c-605f8f4fc35c",
    "status": "issued",
    "event_datetime": "2026-04-07 23:59:28",
    "data": {
        "borrower": {
            "name": "Dante Ferrarini",
            "document_number": "31057466093",
            "related_party_key": "24fac77e-7782-4f72-b31a-daee288e34ed"
        },
        "contract": {
            "document_key": null,
            "number": "DWF1761222116",
            "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": "d1905ef5-19df-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": 1007.62,
        "assignment_amount": 1010.64,
        "cet": "5,8200%",
        "annual_cet": "97,0501%",
        "number_of_installments": 2,
        "base_iof": 3.79,
        "additional_iof": 3.83,
        "total_iof": 7.62,
        "ipoc_code": "324025020203131057466093DWF1761222116",
        "prefixed_interest_rate": {
            "annual_rate": 0.8373372409,
            "created_at": "2026-04-07T23:59:22",
            "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": "2026-05-07",
                "calendar_days": 30,
                "digitable_line": null,
                "due_date": "2026-05-07",
                "due_interest": 0,
                "due_principal": 1007.62,
                "fine_amount": null,
                "has_interest": true,
                "installment_history": [],
                "installment_key": "1dea396f-beb1-4df3-9822-35800b4c095a",
                "installment_number": 1,
                "installment_payment": [],
                "installment_status": "created",
                "installment_type": "principal",
                "original_due_principal": 1007.62,
                "original_pre_fixed_amount": 52.3996159,
                "original_principal_amortization_amount": 491.4903841,
                "original_total_amount": 543.89,
                "paid_amount": 0,
                "paid_at": null,
                "post_fixed_amount": 0,
                "pre_fixed_amount": 52.3996159,
                "principal_amortization_amount": 491.4903841,
                "qr_code_key": null,
                "qr_code_url": null,
                "renegotiation_proposal_key": null,
                "tax_amount": 1.20906634,
                "total_accrual_amount": null,
                "total_amount": 543.89,
                "total_paid_amount": 0,
                "workdays": 20
            },
            {
                "accrual_reference_date": null,
                "additional_costs": [],
                "advanced_paid_amount": 0,
                "bank_slip_key": null,
                "business_due_date": "2026-06-08",
                "calendar_days": 31,
                "digitable_line": null,
                "due_date": "2026-06-07",
                "due_interest": 0,
                "due_principal": 516.1296159,
                "fine_amount": null,
                "has_interest": true,
                "installment_history": [],
                "installment_key": "370e73d1-55d8-431e-9b22-d08fb8297999",
                "installment_number": 2,
                "installment_payment": [],
                "installment_status": "created",
                "installment_type": "principal",
                "original_due_principal": 516.1296159,
                "original_pre_fixed_amount": 27.7603841,
                "original_principal_amortization_amount": 516.1296159,
                "original_total_amount": 543.89,
                "paid_amount": 0,
                "paid_at": null,
                "post_fixed_amount": 0,
                "pre_fixed_amount": 27.7603841,
                "principal_amortization_amount": 516.1296159,
                "qr_code_key": null,
                "qr_code_url": null,
                "renegotiation_proposal_key": null,
                "tax_amount": 2.58168034,
                "total_accrual_amount": null,
                "total_amount": 543.89,
                "total_paid_amount": 0,
                "workdays": 20
            }
        ],
        "total_pre_fixed_amount": 80.16
    }
}
Attention

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

Response Body Details​

FieldTypeDescription
webhook_typestringEvent type identifier
keystringDEBT-KEY — unique identifier of the debt in QI SCD (UUID)
statusstringCurrent status of the debt
event_datetimestringDate and time of the event (ISO 8601)
dataobjectData Object — Operation data

Data Object​

FieldTypeDescription
borrowerobjectBorrower Response Object — Borrower data
contractobjectContract Response Object — Contract data
requester_identifier_keystringRequester identifier key (UUID)
iof_charge_methodstringIOF charge method — always "financed"
collateralsarrayList of collaterals associated with the operation
contract_feesarrayContract Fees Object — QI Tech fees charged on the operation
external_contract_feesarrayExternal Contract Fees Object — External fees charged on the operation
external_contract_fee_amountfloatTotal external contract fee amount
net_external_contract_fee_amountfloatNet external contract fee amount after taxes
contract_fee_amountfloatTotal QI Tech contract fee amount
issue_amountfloatNominal/issue value of the credit operation
assignment_amountfloatAcquisition value of the credit operation
cetstringMonthly total effective cost (CET)
annual_cetstringAnnual total effective cost (CET)
number_of_installmentsintegerNumber of installments
base_ioffloatBase IOF amount
additional_ioffloatAdditional IOF amount
total_ioffloatTotal IOF amount
ipoc_codestringBrazilian credit registry code generated by QI Tech
prefixed_interest_rateobjectInterest Rate Response Object — Nominal interest rate details
installmentsarrayInstallments Response Object — Operation installments
total_pre_fixed_amountfloatTotal pre-fixed interest amount across all installments

Borrower Response Object​

FieldTypeDescription
namestringFull name of the borrower
document_numberstringBorrower's tax ID (CPF)
related_party_keystringBorrower's unique identifier in QI Tech (UUID)

Contract Response Object​

FieldTypeDescription
document_keystringContract document key
numberstringContract number
urlsarrayList of contract document URLs
signature_informationarraySignature Information Object — Signature details

Signature Information Object​

FieldTypeDescription
signer_namestringSigner's full name
signer_document_numberstringSigner's tax ID (CPF)
signer_rolestringSigner's role in the operation
signer_emailstringSigner's email address
signer_external_keystringExternal signer key
signature_urlstringURL of the signed document

Contract Fees Object​

FieldTypeDescription
fee_typestringFee type
fee_amountfloatFee amount

External Contract Fees Object​

FieldTypeDescription
fee_typestringExternal fee type
fee_amountfloatExternal fee amount
tax_amountfloatTax amount on the fee
net_fee_amountfloatNet fee amount after taxes

Interest Rate Response Object​

FieldTypeDescription
annual_ratefloatAnnual interest rate
created_atstringRate creation timestamp (ISO 8601)
daily_ratefloatDaily interest rate
interest_basestringInterest calculation base
monthly_ratefloatMonthly interest rate

Installments Response Object​

FieldTypeDescription
accrual_reference_datestringReference date for installment calculations
additional_costsarrayList of additional costs on the installment
advanced_paid_amountfloatAmount paid in advance
bank_slip_keystringBank slip (boleto) key
business_due_datestringDue date adjusted to the next business day
calendar_daysintegerCalendar days between installments
digitable_linestringBoleto digitable line
due_datestringInstallment due date
due_interestfloatRemaining interest before payment on due date
due_principalfloatOutstanding balance at time of installment
fine_amountfloatFine amount applied
has_interestbooleanIndicator of interest incidence on the installment
installment_historyarrayHistory of installment events
installment_keystringUnique installment identifier (UUID)
installment_numberintegerInstallment number
installment_paymentarrayList of payments made on this installment
installment_statusstringCurrent installment status
installment_typestringInstallment type — always "principal"
original_due_principalfloatOriginal outstanding balance at issuance
original_pre_fixed_amountfloatOriginal pre-fixed interest amount at issuance
original_principal_amortization_amountfloatOriginal principal amortization amount at issuance
original_total_amountfloatOriginal total installment amount at issuance
paid_amountfloatAmount already paid
paid_atstringDate of payment
post_fixed_amountfloatPost-fixed interest amount — always 0
pre_fixed_amountfloatCurrent pre-fixed interest amount
principal_amortization_amountfloatPrincipal amortization amount
qr_code_keystringPIX QR code key
qr_code_urlstringPIX QR code URL
renegotiation_proposal_keystringRenegotiation proposal key, if applicable
tax_amountfloatIOF amount on the installment
total_accrual_amountfloatTotal accrual amount
total_amountfloatTotal installment amount
total_paid_amountfloatTotal amount paid on this installment so far
workdaysintegerBusiness days between installments