BNPL Reversal

Summary

The reversal of a BNPL operation allows you to reverse the disbursement. There are two cancellation/reversal scenarios:

1. Cancellation before disbursement: Cancels the operation before the funds are transferred
2. Reversal after disbursement (up to 7 days): Generates a Pix refund so the borrower can return the funds

---

1. Cancellation Before Disbursement

Cancels a credit operation that has not yet been disbursed.

Request

ENDPOINT

/debt/DEBT-KEY/cancel

METHOD

PATCH

Test in Playground

Path Params

Field	Type	Description	Max. Char.
debt_key*	string	Unique debt key returned at the time of the credit operation creation	UUID

Response

STATUS

200

Response Body

{}

Attention

This endpoint can only be used for operations that have not yet been disbursed. For already disbursed operations, use the reversal endpoint below.

---

2. Reversal After Disbursement (Up to 7 Days)

Reverses a BNPL operation that has already been disbursed, within 7 calendar days after disbursement. The system generates a copy-and-paste Pix code so the borrower can return the funds.

Request

ENDPOINT

/debt/reversal

METHOD

POST

Test in Playground

Request Body

{
    "credit_operation_key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c"
}

Body Params

Field	Type	Description	Max. Char.
credit_operation_key*	string	Credit operation key (DEBT-KEY)	UUID

Response

STATUS

200

Response Body

{
    "payer_name": "Dante Ferrarini",
    "payer_document_number": "31057466093",
    "amount": 1000,
    "expiration_date": "2026-04-28",
    "copy_paste_pix": "00020126930014br.gov.bcb.pix2571qrcode-h.sandbox.qitech.app/bacen/cobv/fb1906ab2eff40109609855ac104f60e5204000053039865802BR5925QISOCIEDADEDECREDITODIRET6008SaoPaulo61080145200062070503***63046387",
    "reversal_key": "7a18fdb6-a3e7-4fc9-833e-0f6d8e98de3b",
    "status": "active",
    "debt_key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c",
    "qr_code_key": "fb1906ab-2eff-4010-9609-855ac104f60e"
}

Response Details

Field	Type	Description
payer_name	string	Borrower's name
payer_document_number	string	Borrower's CPF/CNPJ
amount	float	Total amount to be returned
expiration_date	string	Expiration date of the refund Pix
copy_paste_pix	string	Pix copy-and-paste code for fund return
reversal_key	string	Unique reversal key (UUID)
status	string	Reversal status: active
debt_key	string	Debt key (DEBT-KEY)
qr_code_key	string	Pix QR Code key (UUID)

Important

• Reversal can only be performed within 7 calendar days after disbursement
• The generated copy_paste_pix has an expiration date. After this date, the Pix can no longer be used
• After the borrower pays the Pix, the operation will be automatically canceled and you will receive a cancellation webhook