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_debtMETHOD
POSTRequest 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": {
"disbursed_amount": 1007.63,
"interest_type": "pre_price_days",
"credit_operation_type": "ccb",
"annual_interest_rate": 2.32,
"disbursement_date": "2026-04-07",
"interest_grace_period": 0,
"principal_grace_period": 0,
"number_of_installments": 3,
"fine_configuration": {
"contract_fine_rate": 0.02,
"interest_base": "calendar_days",
"monthly_rate": 0.01
}
},
"simplified": true,
"additional_data": {
"contract": {
"contract_number": "DWFR00000012",
"signatures": [
{
"signer": {
"name": "Dante Ferrarini",
"email": "",
"phone": {
"number": "185633631",
"area_code": "15",
"country_code": "086"
},
"document_number": "31057466093"
},
"signature": {
"timestamp": "2026-04-08T00:40:30Z",
"ip_address": "192.168.1.1",
"signature_file": {
"file_url": "https://qitech.com.br/signature.pdf",
"file_type": "pdf"
}
}
}
]
}
},
"refinanced_credit_operations": [
{
"operation_key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c"
}
],
"requester_identifier_key": "d2107ef5-19df-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:
Financial Object Difference
In refinancing, the financial field uses annual_interest_rate instead of monthly_interest_rate, and the disbursed_amount should be the total present value of the operation to be refinanced (obtained from the present value inquiry).
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
201Response Body
{
"webhook_type": "debt",
"key": "290f042f-eedd-4d9d-b621-3a81df0181b6",
"status": "opened",
"event_datetime": "2026-04-08 00:40:37",
"data": {
"borrower": {
"name": "Dante Ferrarini",
"document_number": "31057466093",
"related_party_key": "3d62f3c6-1ae5-49f9-aa5d-21a08d95aad6"
},
"contract": {
"document_key": null,
"number": "DWFR00000012",
"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": "d2107ef5-19df-4183-bf0e-802b8229933c",
"iof_charge_method": "financed",
"collaterals": [],
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 3.05
},
{
"fee_type": "spread_refinancing",
"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": 6.07,
"issue_amount": 1016.72,
"assignment_amount": 1022.79,
"cet": "11,1900%",
"annual_cet": "256,9982%",
"number_of_installments": 3,
"base_iof": 5.23,
"additional_iof": 3.86,
"total_iof": 9.09,
"ipoc_code": "324025020203131057466093DWFR00000012",
"prefixed_interest_rate": {
"annual_rate": 2.32,
"created_at": "2026-04-08T00:40:30",
"daily_rate": 0.0033387969,
"interest_base": "calendar_days",
"monthly_rate": 0.1051676747
},
"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": 1016.72,
"fine_amount": null,
"has_interest": true,
"installment_history": [],
"installment_key": "52810e9d-0815-4fd1-ab20-d8b37dcd936e",
"installment_number": 1,
"installment_payment": [],
"installment_status": "created",
"installment_type": "principal",
"original_due_principal": 1016.72,
"original_pre_fixed_amount": 106.92260459,
"original_principal_amortization_amount": 306.50739541,
"original_total_amount": 413.43,
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 106.92260459,
"principal_amortization_amount": 306.50739541,
"qr_code_key": null,
"qr_code_url": null,
"renegotiation_proposal_key": null,
"tax_amount": 0.75400819,
"total_accrual_amount": null,
"total_amount": 413.43,
"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": 710.21260459,
"fine_amount": null,
"has_interest": true,
"installment_history": [],
"installment_key": "2bcfe19e-9847-4c8f-be80-17f646a897c4",
"installment_number": 2,
"installment_payment": [],
"installment_status": "created",
"installment_type": "principal",
"original_due_principal": 710.21260459,
"original_pre_fixed_amount": 77.30856978,
"original_principal_amortization_amount": 336.12143022,
"original_total_amount": 413.43,
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 77.30856978,
"principal_amortization_amount": 336.12143022,
"qr_code_key": null,
"qr_code_url": null,
"renegotiation_proposal_key": null,
"tax_amount": 1.68127939,
"total_accrual_amount": null,
"total_amount": 413.43,
"total_paid_amount": 0,
"workdays": 20
},
{
"accrual_reference_date": null,
"additional_costs": [],
"advanced_paid_amount": 0,
"bank_slip_key": null,
"business_due_date": "2026-07-07",
"calendar_days": 30,
"digitable_line": null,
"due_date": "2026-07-07",
"due_interest": 0,
"due_principal": 374.09117437,
"fine_amount": null,
"has_interest": true,
"installment_history": [],
"installment_key": "7cf785c9-b6cf-4e9b-9c09-61d917bc72b8",
"installment_number": 3,
"installment_payment": [],
"installment_status": "created",
"installment_type": "principal",
"original_due_principal": 374.09117437,
"original_pre_fixed_amount": 39.33882563,
"original_principal_amortization_amount": 374.09117437,
"original_total_amount": 413.43,
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 39.33882563,
"principal_amortization_amount": 374.09117437,
"qr_code_key": null,
"qr_code_url": null,
"renegotiation_proposal_key": null,
"tax_amount": 2.79146834,
"total_accrual_amount": null,
"total_amount": 413.43,
"total_paid_amount": 0,
"workdays": 22
}
],
"total_pre_fixed_amount": 223.57
}
}
Note
- The present value of the operations listed in
refinanced_credit_operationswill 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