Creation - BNPL Refinancing

Summary

Creating a refinancing uses the same endpoint and payload as the issuance (/signed_debt), with the addition of the refinanced_credit_operations object containing the list of operations to be settled. The sum of the present value of the previous contracts will be retained and only the surplus will be released to the borrower's account.

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"
                        }
                    }
                }
            ]
        }
    },
    "refinanced_credit_operations": [
        {
            "operation_key": "d897f8fa-30d0-4a25-b7e5-5daa61c7480d"
        },
        {
            "operation_key": "f8f0d7a9-4f0c-426c-ac50-33a09d4a0d78"
        }
    ],
    "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
        }
    ]
}

Attention

The payload is identical to the issuance (/signed_debt), with the addition of the refinanced_credit_operations field containing the list of operations to be settled.

Request Body Details

The payload contains all fields from the BNPL Issuance, with the addition of:

Field	Type	Description	Max. Char.
refinanced_credit_operations*	array	List of operations to be refinanced	Refinanced Credit Operations Object

All other fields follow the same specification as the issuance:

• Borrower Object
• Financial Object
• Additional Data Object
• Disbursement Bank Account Object

Refinanced Credit Operations Object

Field	Type	Description	Max. Char.
operation_key*	string	Key of the operation to be refinanced (DEBT-KEY of the original operation)	UUID

Response

The response follows the same format as the debt issuance, returning the DEBT-KEY of the new contract.

STATUS

201

Note

• The present value of the operations listed in refinanced_credit_operations will be automatically retained to settle the previous contracts
• Only the surplus (difference between the disbursed amount and the retained amount) will be released to the borrower's account
• After creation, the refinanced contracts will be automatically settled
• The issuance webhooks (signature, disbursement, cancellation) follow the same pattern described in the Issuance Webhooks section