Manual Consignado Privado - Crédito Novo
Atenção!
Os webhooks da QI Tech não devem ser mapeados de forma estrita. Campos adicionais podem ser incluídos aos payloads dos webhooks retornados em nossas APIs.
Reenvio de Webhooks
Você pode consultar e reenviar webhooks seguindo as instruções detalhadas na documentação: Reenvio de Webhooks.
1 - Simulação da dívida:
CRÉDITO NOVO
Request
POST
/debt_simulation- Valor de parcela
- Valor desembolsado
Request Body
{
"borrower": {
"person_type": "natural"
},
"financial": {
"first_due_date": "2024-12-07",
"installment_face_value": 100,
"disbursement_date": "2024-11-05",
"limit_days_to_disburse": 3,
"number_of_installments": 4,
"monthly_interest_rate": 0.018,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"collaterals": [
{
"collateral_type": "private_payroll"
}
]
}
Request Body
{
"borrower": {
"person_type": "natural"
},
"financial": {
"first_due_date": "2024-12-07",
"disbursed_amount": 1000,
"disbursement_date": "2024-11-05",
"limit_days_to_disburse": 3,
"number_of_installments": 4,
"monthly_interest_rate": 0.018,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0
},
"collaterals": [
{
"collateral_type": "private_payroll"
}
]
}
info
Na request acima existem 2 simulações sendo realizadas. A primeira está fixando o valor de parcela ao cliente (varia o valor desembolsado) e a segunda está fixando o valor desembolsado (varia o valor de parcela).
Response
STATUS
200 (OK)Response Body
{
"type": "debt",
"key": "<Debt Key>",
"status": "finished",
"event_datetime": "2024-11-05 16:50:00",
"data": {
"interest_type": "pre_price_days",
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"interest_payment_month_period": 1,
"principal_grace_period": 0,
"principal_amortization_month_period": 1,
"operation_type": "structured_operation",
"post_fixed_interest_base": "workdays",
"post_fixed_interest_rate": null,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
},
"issue_date": "2024-11-05",
"number_of_installments": 4,
"requester_key": "e5eb6a0a-e003-4cbd-b702-5a25bf71af0a",
"final_disbursement_amount": 0.0,
"disbursement_options": [
{
"iof_amount": 3.93,
"total_pre_fixed_amount": 17.8715883143,
"cet": 0.0257,
"annual_cet": 0.355163,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.29
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.29,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-05",
"first_due_date": "2024-12-21",
"installments": [
{
"calendar_days": 34,
"workdays": 23.0,
"business_due_date": "2024-12-21",
"due_date": "2024-12-21",
"due_principal": 382.13,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 7.6967422515,
"tax_amount": 0.257341482602818,
"total_amount": 100,
"principal_amortization_amount": 92.3032577485,
"installment_number": 1
},
{
"calendar_days": 29,
"workdays": 19.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"due_principal": 289.8267422515,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 4.9718040699,
"tax_amount": 0.4909156601748966,
"total_amount": 100,
"principal_amortization_amount": 95.0281959301,
"installment_number": 2
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-21",
"due_date": "2025-02-21",
"due_principal": 194.7985463214,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.5742034136,
"tax_amount": 0.7432500400879712,
"total_amount": 100,
"principal_amortization_amount": 96.4257965864,
"installment_number": 3
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-21",
"due_date": "2025-03-21",
"due_principal": 98.372749735,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.6288385793,
"tax_amount": 0.9841050988526828,
"total_amount": 100,
"principal_amortization_amount": 98.3711614207,
"installment_number": 4
}
],
"issue_amount": 382.13,
"disbursed_issue_amount": 374.91,
"assignment_amount": 382.13,
"final_disbursement_amount": 374.91,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
},
{
"iof_amount": 4.77,
"total_pre_fixed_amount": 24.2597288075,
"cet": 0.0243,
"annual_cet": 0.334037,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.25
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.25,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-06",
"first_due_date": "2025-01-21",
"installments": [
{
"calendar_days": 62,
"workdays": 41.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"due_principal": 375.74,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 13.9149280115,
"tax_amount": 0.437656505989534,
"total_amount": 100,
"principal_amortization_amount": 86.0850719885,
"installment_number": 1
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-21",
"due_date": "2025-02-21",
"due_principal": 289.6549280115,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 5.3146959395,
"tax_amount": 0.722070128765373,
"total_amount": 100,
"principal_amortization_amount": 94.6853040605,
"installment_number": 2
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-21",
"due_date": "2025-03-21",
"due_principal": 194.969623951,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.2283291407,
"tax_amount": 0.9601685182659746,
"total_amount": 100,
"principal_amortization_amount": 96.7716708593,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-04-07",
"due_date": "2025-04-07",
"due_principal": 98.1979530917,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.8017757158,
"tax_amount": 1.2239426674782687,
"total_amount": 100,
"principal_amortization_amount": 98.1982242842,
"installment_number": 4
}
],
"issue_amount": 375.74,
"disbursed_issue_amount": 367.72,
"assignment_amount": 375.74,
"final_disbursement_amount": 367.72,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
},
{
"iof_amount": 4.74,
"total_pre_fixed_amount": 24.0392857898,
"cet": 0.0243,
"annual_cet": 0.334673,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.26
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.26,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-07",
"first_due_date": "2025-01-21",
"installments": [
{
"calendar_days": 61,
"workdays": 40.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"due_principal": 375.96,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 13.6944849939,
"tax_amount": 0.4317001860605122,
"total_amount": 100,
"principal_amortization_amount": 86.3055150061,
"installment_number": 1
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-21",
"due_date": "2025-02-21",
"due_principal": 289.6544849939,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 5.3146959395,
"tax_amount": 0.714305933832412,
"total_amount": 100,
"principal_amortization_amount": 94.6853040605,
"installment_number": 2
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-21",
"due_date": "2025-03-21",
"due_principal": 194.9691809334,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.2283291407,
"tax_amount": 0.952233241255512,
"total_amount": 100,
"principal_amortization_amount": 96.7716708593,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-04-07",
"due_date": "2025-04-07",
"due_principal": 98.1975100741,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.8017757157,
"tax_amount": 1.2158904130882027,
"total_amount": 100,
"principal_amortization_amount": 98.1982242843,
"installment_number": 4
}
],
"issue_amount": 375.96,
"disbursed_issue_amount": 367.96,
"assignment_amount": 375.96,
"final_disbursement_amount": 367.96,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
},
{
"iof_amount": 4.71,
"total_pre_fixed_amount": 23.8187134405,
"cet": 0.0244,
"annual_cet": 0.335196,
"contract_fees": [
{
"fee_type": "tac",
"amount_type": "percentage",
"amount": 0.6,
"fee_amount": 2.26
},
{
"fee_type": "ted_fee",
"amount_type": "absolute",
"amount": 1.0,
"fee_amount": 1.0
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 2.26,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"disbursement_date": "2024-11-08",
"first_due_date": "2025-01-21",
"installments": [
{
"calendar_days": 60,
"workdays": 39.0,
"business_due_date": "2025-01-21",
"due_date": "2025-01-21",
"due_principal": 376.18,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 13.4739126445,
"tax_amount": 0.42570834978906,
"total_amount": 100,
"principal_amortization_amount": 86.5260873555,
"installment_number": 1
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-21",
"due_date": "2025-02-21",
"due_principal": 289.6539126445,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 5.3146959395,
"tax_amount": 0.706541738899451,
"total_amount": 100,
"principal_amortization_amount": 94.6853040605,
"installment_number": 2
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-21",
"due_date": "2025-03-21",
"due_principal": 194.968608584,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 3.2283291407,
"tax_amount": 0.9442979642450494,
"total_amount": 100,
"principal_amortization_amount": 96.7716708593,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-04-21",
"due_date": "2025-04-21",
"due_principal": 98.1969377247,
"has_interest": true,
"post_fixed_amount": null,
"pre_fixed_amount": 1.8017757158,
"tax_amount": 1.20783815869566,
"total_amount": 100,
"principal_amortization_amount": 98.1982242842,
"installment_number": 4
}
],
"issue_amount": 376.18,
"disbursed_issue_amount": 368.21,
"assignment_amount": 376.18,
"final_disbursement_amount": 368.21,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.018,
"daily_rate": 0.00058669
}
}
]
}
}
2 - Emissão da operação:
O campo "registration_number", localizado dentro do objeto "collateral_data", refere-se ao número de matrícula de um vínculo empregatício. O mesmo é retornado na consulta de vínculos empregatícios.
CRÉDITO NOVO
Request
POST
/debt- Sem representante legal
- Com representante legal
Request Body
{
"borrower": {
"name": "Nome devedor",
"email":"email.devedor@gmail.com",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"political_exposition": "not_exposed",
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2023-09-21",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.0166,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 101.84,
"limit_days_to_disburse": 7,
"number_of_installments": 10,
"principal_grace_period": 0,
"rebates": [ // Opcional
{
"amount": 20,
"rebate_bank_account": {
"name": "Teste Ltda",
"document_number": "18533555000164",
"account_digit": "0",
"account_number": "4290001",
"branch_number": "0001",
"bank_code": "329"
},
"amount_type": "percentage",
"fee_type": "spread"
}
]
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_type": "private_payroll",
"collateral_data": {
"employer_document_number": "07940839000159",
"registration_number": "99999999999-A"
}
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644799"
}
},
"purchaser_document_number": "32402502000135",
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
]
}
Request Body
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"political_exposition": "not_exposed",
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"related_parties": [
{
"role_type": "issuer_legal_representative",
"person_type": "natural",
"name": "REPRESENTANTE EXEMPLO",
"email": "representante.exemplo@exemplo.com",
"individual_document_number": "79795844067",
"birth_date": "1970-04-20",
"mother_name": "MÃE DO REPRESENTANTE",
"phone": {
"country_code": "55",
"area_code": "11",
"number": "999999999"
},
"address": {
"street": "RUA EXEMPLO",
"number": "123",
"complement": "APTO 123",
"neighborhood": "BAIRRO EXEMPLO",
"postal_code": "12345678",
"city": "SÃO PAULO",
"state": "SP"
}
}
],
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-21",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0,
"rebates": [ // Opcional
{
"amount": 20,
"rebate_bank_account": {
"name": "Teste Ltda",
"document_number": "18533555000164",
"account_digit": "0",
"account_number": "4290001",
"branch_number": "0001",
"bank_code": "329"
},
"amount_type": "percentage",
"fee_type": "spread"
}
]
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_type": "private_payroll",
"collateral_data": {
"employer_document_number": "07940839000159",
"registration_number": "99999999999-A"
}
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
]
}
Response
STATUS
201 (Created)Response Body
Response Body
{
"webhook_type": "debt",
"key": "<Debt Key>",
"status": "waiting_signature",
"event_datetime": "2024-11-07 23:19:22",
"data": {
"borrower": {
"name": "Nome devedor",
"document_number": "14471835092",
"related_party_key": "28b7fc16-6d1f-467d-9667-62a8c13daea6"
},
"contract": {
"number": "TST0000644710",
"urls": [
"https://storage.googleapis.com/sandbox-doc-api/documents/a2e9c83a-3666-4def-8b27-e96fabb8705c/NOME_DEVEDOR-CCB-TST0000644710-20241107231916.pdf"
],
"signature_information": [
{
"signer_name": "Nome devedor",
"signer_document_number": "14471835092",
"signer_role": "issuer",
"signer_email": null,
"signer_external_key": null,
"signature_url": null
}
]
},
"requester_identifier_key": "eb859ebe-3a41-49bf-a6c3-d6902039ec00",
"iof_charge_method": "financed",
"collaterals": [
{
"absolute_amount": null,
"collateral_constituted": false,
"collateral_data": {
"registration_number": "99999999999-A",
"employer_document_number": "07940839000159"
},
"collateral_key": "26c7f4f4-51f3-41fa-b880-9691211136aa",
"collateral_type": "private_payroll",
"created_at": "2024-11-07T23:19:16.413448",
"external_key": null,
"percentage": 1,
"updated_at": "2024-11-07T23:19:16.413441"
}
],
"disbursement_options": [
{
"disbursement_date": "2024-11-07",
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 4.55
},
{
"fee_type": "ted_fee",
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}
],
"external_contract_fees": [
{
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}
],
"contract_fee_amount": 6.05,
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"assignment_amount": 914.3,
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"cet": "2,0100%",
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{
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},
{
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{
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"business_due_date": "2025-10-21",
"calendar_days": 28,
"due_date": "2025-10-21",
"due_interest": 0.0,
"due_principal": 100.303625722,
"fine_amount": null,
"has_interest": true,
"installment_number": 10,
"post_fixed_amount": null,
"pre_fixed_amount": 1.5318141716,
"principal_amortization_amount": 100.3081858284,
"tax_amount": 2.8130427633716497,
"total_amount": 101.84,
"workdays": 20.0,
"installment_status": null,
"installment_type": null
}
],
"first_due_date": "2025-01-21",
"prefixed_interest_rate": {
"monthly_rate": 0.0166,
"daily_rate": 0.00054142,
"annual_rate": 0.21843191,
"interest_base": "calendar_days_365"
}
},
{
"disbursement_date": "2024-11-13",
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 4.56
},
{
"fee_type": "ted_fee",
"fee_amount": 1.5
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0
}
],
"contract_fee_amount": 6.06,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"assignment_amount": 917.27,
"issue_amount": 912.71,
"cet": "2,0200%",
"annual_cet": "27,0802%",
"base_iof": 15.827906861727051,
"additional_iof": 3.468298,
"total_iof": 19.3,
"total_pre_fixed_amount": 105.691548961,
"installments": [
{
"additional_costs": [],
"business_due_date": "2025-01-21",
"calendar_days": 68,
"due_date": "2025-01-21",
"due_interest": 0.0,
"due_principal": 912.71,
"fine_amount": null,
"has_interest": true,
"installment_number": 1,
"post_fixed_amount": null,
"pre_fixed_amount": 34.2195628621,
"principal_amortization_amount": 67.6204371379,
"tax_amount": 0.3770515574809304,
"total_amount": 101.84,
"workdays": 45.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-02-21",
"calendar_days": 31,
"due_date": "2025-02-21",
"due_interest": 0.0,
"due_principal": 845.0895628621,
"fine_amount": null,
"has_interest": true,
"installment_number": 2,
"post_fixed_amount": null,
"pre_fixed_amount": 14.2997636051,
"principal_amortization_amount": 87.5402363949,
"tax_amount": 0.7106516390537982,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-03-21",
"calendar_days": 28,
"due_date": "2025-03-21",
"due_interest": 0.0,
"due_principal": 757.5493264672,
"fine_amount": null,
"has_interest": true,
"installment_number": 3,
"post_fixed_amount": null,
"pre_fixed_amount": 11.5685715131,
"principal_amortization_amount": 90.2714284869,
"tax_amount": 0.9400866562625766,
"total_amount": 101.84,
"workdays": 18.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-04-21",
"calendar_days": 33,
"due_date": "2025-04-21",
"due_interest": 0.0,
"due_principal": 667.2778979803,
"fine_amount": null,
"has_interest": true,
"installment_number": 4,
"post_fixed_amount": null,
"pre_fixed_amount": 12.025984633,
"principal_amortization_amount": 89.814015367,
"tax_amount": 1.17835988161504,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-05-21",
"calendar_days": 28,
"due_date": "2025-05-21",
"due_interest": 0.0,
"due_principal": 577.4638826133,
"fine_amount": null,
"has_interest": true,
"installment_number": 5,
"post_fixed_amount": null,
"pre_fixed_amount": 8.8184725787,
"principal_amortization_amount": 93.0215274213,
"tax_amount": 1.4340198667267607,
"total_amount": 101.84,
"workdays": 19.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-06-21",
"calendar_days": 31,
"due_date": "2025-06-21",
"due_interest": 0.0,
"due_principal": 484.442355192,
"fine_amount": null,
"has_interest": true,
"installment_number": 6,
"post_fixed_amount": null,
"pre_fixed_amount": 8.1972396908,
"principal_amortization_amount": 93.6427603092,
"tax_amount": 1.6816366896326136,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-07-21",
"calendar_days": 31,
"due_date": "2025-07-21",
"due_interest": 0.0,
"due_principal": 390.7995948828,
"fine_amount": null,
"has_interest": true,
"installment_number": 7,
"post_fixed_amount": null,
"pre_fixed_amount": 6.6127072945,
"principal_amortization_amount": 95.2272927055,
"tax_amount": 1.95215950046275,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-08-21",
"calendar_days": 30,
"due_date": "2025-08-21",
"due_interest": 0.0,
"due_principal": 295.5723021773,
"fine_amount": null,
"has_interest": true,
"installment_number": 8,
"post_fixed_amount": null,
"pre_fixed_amount": 4.8387153664,
"principal_amortization_amount": 97.0012846336,
"tax_amount": 2.227149495187456,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-09-21",
"calendar_days": 33,
"due_date": "2025-09-21",
"due_interest": 0.0,
"due_principal": 198.5710175437,
"fine_amount": null,
"has_interest": true,
"installment_number": 9,
"post_fixed_amount": null,
"pre_fixed_amount": 3.5787172455,
"principal_amortization_amount": 98.2612827545,
"tax_amount": 2.521974083176997,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-10-21",
"calendar_days": 28,
"due_date": "2025-10-21",
"due_interest": 0.0,
"due_principal": 100.3097347892,
"fine_amount": null,
"has_interest": true,
"installment_number": 10,
"post_fixed_amount": null,
"pre_fixed_amount": 1.5318141718,
"principal_amortization_amount": 100.3081858282,
"tax_amount": 2.8048174921281284,
"total_amount": 101.84,
"workdays": 20.0,
"installment_status": null,
"installment_type": null
}
],
"first_due_date": "2025-01-21",
"prefixed_interest_rate": {
"monthly_rate": 0.0166,
"daily_rate": 0.00054142,
"annual_rate": 0.21843191,
"interest_base": "calendar_days_365"
}
},
{
"disbursement_date": "2024-11-14",
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 4.57
},
{
"fee_type": "ted_fee",
"fee_amount": 1.5
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0
}
],
"contract_fee_amount": 6.07,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"assignment_amount": 917.77,
"issue_amount": 913.2,
"cet": "2,0200%",
"annual_cet": "27,0870%",
"base_iof": 15.755779674642707,
"additional_iof": 3.47016,
"total_iof": 19.23,
"total_pre_fixed_amount": 105.1973906257,
"installments": [
{
"additional_costs": [],
"business_due_date": "2025-01-21",
"calendar_days": 67,
"due_date": "2025-01-21",
"due_interest": 0.0,
"due_principal": 913.2,
"fine_amount": null,
"has_interest": true,
"installment_number": 1,
"post_fixed_amount": null,
"pre_fixed_amount": 33.7254045271,
"principal_amortization_amount": 68.1145954729,
"tax_amount": 0.3742215875281126,
"total_amount": 101.84,
"workdays": 44.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-02-21",
"calendar_days": 31,
"due_date": "2025-02-21",
"due_interest": 0.0,
"due_principal": 845.0854045271,
"fine_amount": null,
"has_interest": true,
"installment_number": 2,
"post_fixed_amount": null,
"pre_fixed_amount": 14.2997636051,
"principal_amortization_amount": 87.5402363949,
"tax_amount": 0.7034733396694164,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-03-21",
"calendar_days": 28,
"due_date": "2025-03-21",
"due_interest": 0.0,
"due_principal": 757.5451681322,
"fine_amount": null,
"has_interest": true,
"installment_number": 3,
"post_fixed_amount": null,
"pre_fixed_amount": 11.5685715131,
"principal_amortization_amount": 90.2714284869,
"tax_amount": 0.9326843991266508,
"total_amount": 101.84,
"workdays": 18.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-04-21",
"calendar_days": 33,
"due_date": "2025-04-21",
"due_interest": 0.0,
"due_principal": 667.2737396453,
"fine_amount": null,
"has_interest": true,
"installment_number": 4,
"post_fixed_amount": null,
"pre_fixed_amount": 12.025984633,
"principal_amortization_amount": 89.814015367,
"tax_amount": 1.170995132354946,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-05-21",
"calendar_days": 28,
"due_date": "2025-05-21",
"due_interest": 0.0,
"due_principal": 577.4597242783,
"fine_amount": null,
"has_interest": true,
"installment_number": 5,
"post_fixed_amount": null,
"pre_fixed_amount": 8.8184725787,
"principal_amortization_amount": 93.0215274213,
"tax_amount": 1.4263921014782142,
"total_amount": 101.84,
"workdays": 19.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-06-21",
"calendar_days": 31,
"due_date": "2025-06-21",
"due_interest": 0.0,
"due_principal": 484.438196857,
"fine_amount": null,
"has_interest": true,
"installment_number": 6,
"post_fixed_amount": null,
"pre_fixed_amount": 8.1972396908,
"principal_amortization_amount": 93.6427603092,
"tax_amount": 1.6739579832872593,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-07-21",
"calendar_days": 31,
"due_date": "2025-07-21",
"due_interest": 0.0,
"due_principal": 390.7954365478,
"fine_amount": null,
"has_interest": true,
"installment_number": 7,
"post_fixed_amount": null,
"pre_fixed_amount": 6.6127072945,
"principal_amortization_amount": 95.2272927055,
"tax_amount": 1.944350862460899,
"total_amount": 101.84,
"workdays": 21.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-08-21",
"calendar_days": 30,
"due_date": "2025-08-21",
"due_interest": 0.0,
"due_principal": 295.5681438423,
"fine_amount": null,
"has_interest": true,
"installment_number": 8,
"post_fixed_amount": null,
"pre_fixed_amount": 4.8387153664,
"principal_amortization_amount": 97.0012846336,
"tax_amount": 2.219195389847501,
"total_amount": 101.84,
"workdays": 22.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-09-21",
"calendar_days": 33,
"due_date": "2025-09-21",
"due_interest": 0.0,
"due_principal": 198.5668592087,
"fine_amount": null,
"has_interest": true,
"installment_number": 9,
"post_fixed_amount": null,
"pre_fixed_amount": 3.5787172455,
"principal_amortization_amount": 98.2612827545,
"tax_amount": 2.513916657991128,
"total_amount": 101.84,
"workdays": 23.0,
"installment_status": null,
"installment_type": null
},
{
"additional_costs": [],
"business_due_date": "2025-10-21",
"calendar_days": 28,
"due_date": "2025-10-21",
"due_interest": 0.0,
"due_principal": 100.3055764542,
"fine_amount": null,
"has_interest": true,
"installment_number": 10,
"post_fixed_amount": null,
"pre_fixed_amount": 1.5318141715,
"principal_amortization_amount": 100.3081858285,
"tax_amount": 2.79659222089858,
"total_amount": 101.84,
"workdays": 20.0,
"installment_status": null,
"installment_type": null
}
],
"first_due_date": "2025-01-21",
"prefixed_interest_rate": {
"monthly_rate": 0.0166,
"daily_rate": 0.00054142,
"annual_rate": 0.21843191,
"interest_base": "calendar_days_365"
}
}
]
}
}
Objeto Installments
| Campo | Descrição |
|---|---|
| additional_costs | Custos adicionais |
| business_due_date | Data de vencimento em dia útil |
| calendar_days | Dias corridos |
| due_date | Data de vencimento |
| due_interest | Juros do vencimento |
| due_principal | Principal do vencimento |
| fine_amount | Multa do vencimento |
| has_interest | Indica se o vencimento possui juros |
| installment_number | Número da parcela |
| installment_status | Status da parcela |
| installment_type | Tipo de parcela |
| post_fixed_amount | Valor da parcela após juros |
| pre_fixed_amount | Valor da parcela antes de juros |
| principal_amortization_amount | Valor da amortização do principal da parcela |
| tax_amount | Valor dos juros da parcela |
| total_amount | Valor total da parcela |
| workdays | Dias úteis |
Objeto Prefixed Interest Rate
| Campo | Descrição |
|---|---|
| monthly_rate | Taxa mensal |
| daily_rate | Taxa diária |
| annual_rate | Taxa anual |
| interest_base | Base de cálculo da taxa de juros |
Webhooks
Caso a operação não seja assinada ou averbada até a última opção de data de desembolso o parceiro receberá um webhook informando a respeito do cancelamento da operação:
WEBHOOK TYPE
debtSTATUS
CanceledWebhook Body
Webhook Body
{
"key": "<Debt Key>",
"status": "canceled",
"webhook_type": "debt",
"event_datetime": "2025-03-18 13:46:31",
"data": {
"cancel_reason": "<CANCEL_REASON>",
"cancel_reason_enumerator": "<CANCEL_REASON_ENUMERATOR>"
}
}
Objeto Data
| Campo | Descrição |
|---|---|
| cancel_reason | Motivo do cancelamento |
| cancel_reason_enumerator | Enumerador do motivo do cancelamento |
3 - Coleta de documentos e formalização da operação
É obrigatório o envio dos dados complementares do contrato para a formalização da operação.
Recomendamos fortemente que a coleta e assinatura dos documentos da operação sejam realizadas por meio do QI Sign, nossa plataforma proprietária de assinatura eletrônica com tecnologia de antifraude embarcada.
Por ter sido desenvolvida internamente e estar totalmente integrada aos nossos sistemas, o uso do QI Sign garante:
- Automação completa do fluxo de formalização: a operação segue automaticamente para a próxima etapa após a assinatura.
- Upload automático de documentos: todos os arquivos assinados são enviados diretamente para o sistema de crédito, sem necessidade de intervenção manual.
- Segurança e rastreabilidade: o processo é seguro, auditável e em conformidade com os requisitos regulatórios.
Essa abordagem reduz erros operacionais, acelera a liberação do crédito e melhora significativamente a experiência do cliente.
Por que usar o QI Sign?
- Assinatura remota por celular, com reconhecimento facial em conformidade com a regulação.
- Integração via API RESTful, facilitando automação de fluxos de assinatura.
- Segurança jurídica, com diferentes níveis de comprovação de identidade.
- Soluções escaláveis e sob demanda para corporações que precisam digitalizar seus processos.
QI Sign
O QI Sign é a plataforma de assinatura eletrônica da QI Tech, desenvolvida internamente para atender às exigências regulatórias do mercado de crédito.
Com suporte a biometria facial e envio automático de documentos, garante segurança, agilidade e rastreabilidade durante a formalização.
Para mais informações ou para solicitar uma proposta, entre em contato com nosso time comercial:
📧 comercial@qitech.com.br
📞 (11) 2339-4763
Formalização Externa
Caso a formalização das operações não seja realizada através do QI Sign, o procedimento de formalização deve ser consultado no manual de formalização externa.
Webhooks
Após a assinatura do contrato, o parceiro receberá um webhook informando a respeito da assinatura do contrato. Com o seguinte body:
{
"key": "<Debt Key>",
"status": "signed",
"signers": [
{
"id": "3271efd3-89ba-43aa-b032-af9a459e6096",
"images": {
"face_image_url": "https://qisign-face-images-bucket-sandbox.s3.amazonaws.com/fad7f924-d210-4ec4-9565-a57662a0a65a.jpeg",
"document_back_url": "https://qisign-personal-documents-bucket-sandbox.s3.amazonaws.com/8c7b68ba-07ad-4188-82ae-679833b2843b.jpeg",
"document_front_url": "https://qisign-personal-documents-bucket-sandbox.s3.amazonaws.com/f63cd291-5668-4926-be5d-9290aeda3f6e.jpeg",
"document_back_template": "cnh_back",
"document_front_template": "cnh_front"
},
"biometry": {
"face_validation": {
"score": 80,
"provider": "qitech",
"available": true
},
"fraud_base_flag": false
},
"document": {
"template": "cnh_front",
"face_match_score": 100
},
"liveness": {
"result": "live"
},
"signed_at": "2025-04-09T19:59:39Z",
"ip_address": "182.224.219.198",
"signer_data": {
"name": "Nome Trabalhador",
"email": "exemplo@qitech.com.br",
"phone": {
"number": "829549234",
"area_code": "11",
"international_dial_code": "55"
},
"address": {
"uf": "SP",
"city": "Sao Paulo",
"number": "123",
"street": "Rua tal do sal",
"complement": "Ap 23",
"postal_code": "00000-000",
"neighborhood": "Pinheiros"
},
"pix_key": "pix03@pix03.com",
"birthdate": "1996-03-13",
"document_number": "504.856.400-66",
"document_submission_method": "email",
"authentication_submission_method": "sms"
}
}
],
"webhook_type": "laas.credit_operation.status_change",
"event_datetime": "2025-04-09 20:00:19",
"signed_contract_url": "https://storage.googleapis.com/sandbox-doc-api/documents/9b55450e-fca5-44f2-9118-5851ed4bd92e/RESTAURANTEBEBBER-TRABALHADOR_SICQ-CCB-0000195364-2230409195718_signed.pdf"
}
Objeto Signers
| Campo | Descrição |
|---|---|
| id | ID do signatário |
| images | Imagens do signatário |
Objeto Images
| Campo | Descrição |
|---|---|
| face_image_url | URL da imagem da face do signatário |
| document_back_url | URL da imagem do verso do documento do signatário |
| document_front_url | URL da imagem do documento do signatário |
| document_back_template | Template do verso do documento do signatário |
| document_front_template | Template do documento do signatário |
Objeto Biometry
| Campo | Descrição |
|---|---|
| face_validation | Validação da rosto do signatário (true ou false) |
| face_validation.score | Pontuação da rosto do signatário (0 a 100) |
| face_validation.available | Disponibilidade da validação da rosto do signatário (true ou false) |
| face_validation.provider | Provedor da validação da rosto do signatário (qitech ou external) |
| fraud_base_flag | Flag de fraude base (true ou false) |
Objeto Document
| Campo | Descrição |
|---|---|
| template | Template do documento (cnh_front, cnh_back, rg_front, rg_back) |
| face_match_score | Pontuação da rosto do signatário (0 a 100) |
Objeto Liveness
| Campo | Descrição |
|---|---|
| result | Resultado da liveness (live ou spoof) |
Objeto Signer Data
| Campo | Descrição |
|---|---|
| name | Nome do signatário |
| Email do signatário | |
| phone | Telefone do signatário |
Objeto Address
| Campo | Descrição |
|---|---|
| uf | Unidade Federativa |
| city | Cidade |
| number | Número |
| street | Rua |
| complement | Complemento |
| postal_code | CEP |
| neighborhood | Bairro |
Enumeradores
Status da reserva
ENUMERADOR
reservation_status| Status | Descrição |
|---|---|
| pending_auction | A reserva foi criada e está esperando o início do leilão (receber uma solicitação de proposta). |
| pending_reservation | A reserva foi criada e está pendente de averbação. |
| pending_documents_submission | A reserva já foi averbada e está pendente de envio de documentos. |
| reserved | A reserva foi averbada com sucesso. Fluxo de averbação concluído. |
| canceled | Em caso de envio de documentos inválidos, a reserva é cancelada. |
| pending_suspension | A reserva está averbada e foi solicitada a suspensão. |
| suspended | A reserva foi suspensa com sucesso. |
| settled | A reserva foi liquidada com sucesso. |
| pending_deletion | A reserva está averbada e foi solicitada a exclusão. |
| deleted | A reserva foi excluída com sucesso. |