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Homologation Roadmap - Credit Pay

Summary​

1. Debt inquiry​

You can query the debt later to retrieve information or track its current status:

Request​

ENDPOINT
/v2/credit_operation/REQUESTER-IDENTIFIER-KEY
METHOD
GET
Test in Playground

Path params​

FieldTypeDescriptionMax. Char.
requester_identifier_key *stringClient tracking key for the requestUUID

Response​

STATUS
200
Response Body
{
   "credit_operation_key":"0773a1b1-675a-4a10-80a2-a10308c7281e",
   "issue_amount":15367.14,
   "origin_key":"0773a1b1-675a-4a10-80a2-a10308c7281e",
   "total_iof":367.14,
   "assigned_at":null,
   "disbursement_start_date":"2026-03-23",
   "disbursement_end_date":"2026-03-23",
   "issue_date":"2026-03-23",
   "requester_identifier_key":"494598fd200",
   "installments":[
      {
         "business_due_date":"2026-06-08",
         "due_date":"2026-06-06",
         "calendar_days":75,
         "due_interest":0,
         "due_principal":15367.14,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":2432.7,
         "principal_amortization_amount":0,
         "tax_amount":0,
         "total_amount":2432.7,
         "workdays":50,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"c0c716ca-1645-4cf6-bb6b-438a69693d79",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":15367.14,
         "original_pre_fixed_amount":2432.7,
         "original_principal_amortization_amount":0,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":1,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-07-06",
         "due_date":"2026-07-06",
         "calendar_days":30,
         "due_interest":399,
         "due_principal":15367.14,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":1503.02,
         "principal_amortization_amount":929.68,
         "tax_amount":8,
         "total_amount":2432.7,
         "workdays":21,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"46d7a106-004f-4f64-910c-bc9e2c010845",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":15367.14,
         "original_pre_fixed_amount":1503.02,
         "original_principal_amortization_amount":929.68,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":2,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-08-06",
         "due_date":"2026-08-06",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":14437.46134964,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":1045.5,
         "principal_amortization_amount":1387.2,
         "tax_amount":15.47,
         "total_amount":2432.7,
         "workdays":23,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"af84c132-7311-412f-a5e4-a827047fda52",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":14437.46,
         "original_pre_fixed_amount":1045.5,
         "original_principal_amortization_amount":1387.2,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":3,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-09-08",
         "due_date":"2026-09-06",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":13050.26167997,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":945.05,
         "principal_amortization_amount":1487.65,
         "tax_amount":20.37,
         "total_amount":2432.7,
         "workdays":21,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"8517161a-408a-400d-9a27-e4e54c87d9ec",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":13050.26,
         "original_pre_fixed_amount":945.05,
         "original_principal_amortization_amount":1487.65,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":4,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-10-06",
         "due_date":"2026-10-06",
         "calendar_days":30,
         "due_interest":0,
         "due_principal":11562.6067212,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":809.38,
         "principal_amortization_amount":1623.32,
         "tax_amount":26.22,
         "total_amount":2432.7,
         "workdays":21,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"8c14e19c-a70e-4b0b-b0b5-d655f6136537",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":11562.61,
         "original_pre_fixed_amount":809.38,
         "original_principal_amortization_amount":1623.32,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":5,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-11-06",
         "due_date":"2026-11-06",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":9939.28802441,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":719.76,
         "principal_amortization_amount":1712.94,
         "tax_amount":32.03,
         "total_amount":2432.7,
         "workdays":21,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"4a880580-5873-4c12-8d32-3cf95b416417",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":9939.29,
         "original_pre_fixed_amount":719.76,
         "original_principal_amortization_amount":1712.94,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":6,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-12-07",
         "due_date":"2026-12-06",
         "calendar_days":30,
         "due_interest":0,
         "due_principal":8226.34916112,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":575.84,
         "principal_amortization_amount":1856.86,
         "tax_amount":39.28,
         "total_amount":2432.7,
         "workdays":19,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"94db881b-0054-4c73-b969-89c37c082f39",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":8226.35,
         "original_pre_fixed_amount":575.84,
         "original_principal_amortization_amount":1856.86,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":7,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2027-01-06",
         "due_date":"2027-01-06",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":6369.49243064,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":461.25,
         "principal_amortization_amount":1971.45,
         "tax_amount":46.72,
         "total_amount":2432.7,
         "workdays":21,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"d32e9f02-426d-4861-ad5c-fe541d2a4b94",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":6369.49,
         "original_pre_fixed_amount":461.25,
         "original_principal_amortization_amount":1971.45,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":8,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2027-02-10",
         "due_date":"2027-02-06",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":4398.04366699,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":318.49,
         "principal_amortization_amount":2114.21,
         "tax_amount":55.48,
         "total_amount":2432.7,
         "workdays":22,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"0c6ef3ba-6d82-45e4-9f3f-9f9a89207f68",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":4398.04,
         "original_pre_fixed_amount":318.49,
         "original_principal_amortization_amount":2114.21,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":9,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2027-03-08",
         "due_date":"2027-03-06",
         "calendar_days":28,
         "due_interest":0,
         "due_principal":2283.83070016,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":148.87,
         "principal_amortization_amount":2283.83,
         "tax_amount":65.17,
         "total_amount":2432.7,
         "workdays":18,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"470dd63a-89eb-4c6c-8cd6-f570d469aa35",
         "installment_status":"created",
         "installment_type":"principal",
         "original_due_principal":2283.83,
         "original_pre_fixed_amount":148.87,
         "original_principal_amortization_amount":2283.83,
         "paid_amount":0,
         "original_total_amount":2432.7,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":10,
         "paid_at":null,
         "updated_at":null,
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      }
   ],
   "first_due_date":"2026-06-06",
   "requester_key":"3e69b448-9afb-4aef-9c0d-0a3059350d80",
   "original_total_iof":null,
   "contract_number":"ANT000000787",
   "credit_operation_status_enumerator":"waiting_signature",
   "operation_type_enumerator":"settlement_refinancing",
   "disbursement_date":"2026-03-23",
   "issuer_name":"Alan Mathison Turing",
   "issuer_document_number":"47003534819",
   "external_contract_fees":[
      {
         "amount_type":"absolute",
         "fee_amount":0,
         "tax_amount":0,
         "irrf_amount":0,
         "amount":0,
         "pis_amount":0,
         "amount_released":0,
         "fee_type":"tac",
         "cofins_amount":0,
         "csll_amount":0,
         "description":null,
         "net_fee_amount":0,
         "rebate_account":null
      }
   ],
   "cet":7.51,
   "annual_cet":138.34,
   "final_disbursement_amount":4885.12,
   "number_of_installments":10,
   "disbursement_issue_amount":15000,
   "prefixed_interest_rate":{
      "annual_rate":1.252191589,
      "daily_rate":0.0022578334,
      "interest_base":{
         "enumerator":"calendar_days",
         "year_days":360
      },
      "monthly_rate":0.07
   },
   "fine_configuration":{
      "contract_fine_rate":0.02,
      "fine_delay_rate":{
         "annual_rate":4.35025011,
         "daily_rate":0.0046696,
         "interest_base":{
            "enumerator":"calendar_days",
            "year_days":360
         },
         "monthly_rate":0.15
      }
   },
   "attached_documents":[
      {
         "document_key":"494598fd-c226-4332-a500-591ae3884673",
         "document_url":"https://storage.googleapis.com/sandbox-doc-api/documents/494598fd-c226-4332-a500-591ae3884673/3d684e68e7df4e557d0480d98e26be92.jpg",
         "signature_url":null,
         "document_type":"document_identification",
         "signature_required":false,
         "signed":false
      },
      {
         "document_key":"494598fd-c226-4332-a500-591ae3884673",
         "document_url":"https://storage.googleapis.com/sandbox-doc-api/documents/494598fd-c226-4332-a500-591ae3884673/3d684e68e7df4e557d0480d98e26be92.jpg",
         "signature_url":null,
         "document_type":"document_identification_back",
         "signature_required":false,
         "signed":false
      },
      {
         "document_key":"cb97f9f5-9b58-4a55-826f-8698f2b97230",
         "document_url":"https://storage.googleapis.com/sandbox-doc-api-private/documents/cb97f9f5-9b58-4a55-826f-8698f2b97230/CASTELLOBNPL-ALAN_MATHISON_TURING-CCB-ANT000000787-20260408055239.pdf",
         "signature_url":null,
         "document_type":"ccb_pre_price_days",
         "signature_required":true,
         "signed":false
      }
   ],
   "related_parties":[
      {
         "related_party_key":"70f0bc84-98e0-4d4c-9ea7-ed783746ba5c",
         "role_type":"issuer",
         "person_type":"natural",
         "name":"Alan Mathison Turing",
         "email":"",
         "individual_document_number":"47003534819"
      }
   ],
   "base_iof":308.75,
   "additional_iof":58.39,
   "assignment_amount":15444.19,
   "created_at":"2026-04-08T05:52:38Z",
   "total_prefixed_amount":8959.86
}

Response example (refinancing — refinanced_credit_operations)​

For a refinancing credit operation, the GET response includes operation_type_enumerator: settlement_refinancing and the array refinanced_credit_operations, which lists the prior operation(s) being settled by this new contract. The example below uses final_disbursement_amount: 0 (no cash payout to the borrower—the new operation is sized to settle the prior obligation); see the note on final_disbursement_amount in this section.

Homologation / sample data

The payload below is a sandbox / homologation sample. UUIDs, contract numbers, monetary amounts, calendar dates, and document URLs are illustrative only. In production, rely on the field names and types, not on these literal values.

Response Body (refinancing)
{
   "credit_operation_key":"7c106ebb-42b5-4f9d-afdb-d3cc7c7883d1",
   "issue_amount":101.81,
   "origin_key":"7c106ebb-42b5-4f9d-afdb-d3cc7c7883d1",
   "total_iof":0.91,
   "assigned_at":null,
   "disbursement_start_date":"2026-04-15",
   "disbursement_end_date":"2026-04-15",
   "issue_date":"2026-04-15",
   "requester_identifier_key":"7014211f-0d09-4db3-957a-c916903ec4d3",
   "installments":[
      {
         "business_due_date":"2026-05-15",
         "due_date":"2026-05-15",
         "calendar_days":30,
         "due_interest":0,
         "due_principal":101.81,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":8.14,
         "principal_amortization_amount":31.43,
         "tax_amount":0.08,
         "total_amount":39.57,
         "workdays":20,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"ffd81916-ce62-4b32-82b8-3c7cb7afde0a",
         "installment_status":"opened",
         "installment_type":"principal",
         "original_due_principal":101.81,
         "original_pre_fixed_amount":8.14,
         "original_principal_amortization_amount":31.43,
         "paid_amount":0,
         "original_total_amount":39.57,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":1,
         "paid_at":null,
         "updated_at":"2026-04-16T01:30:36",
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-06-15",
         "due_date":"2026-06-15",
         "calendar_days":31,
         "due_interest":0,
         "due_principal":70.38415074,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":5.83,
         "principal_amortization_amount":33.74,
         "tax_amount":0.17,
         "total_amount":39.57,
         "workdays":20,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"4b41315b-d685-4646-b57f-107c00bf36e0",
         "installment_status":"opened",
         "installment_type":"principal",
         "original_due_principal":70.38,
         "original_pre_fixed_amount":5.83,
         "original_principal_amortization_amount":33.74,
         "paid_amount":0,
         "original_total_amount":39.57,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":2,
         "paid_at":null,
         "updated_at":"2026-04-16T01:30:36",
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      },
      {
         "business_due_date":"2026-07-15",
         "due_date":"2026-07-15",
         "calendar_days":30,
         "due_interest":0,
         "due_principal":36.63949004,
         "fine_amount":0,
         "has_interest":true,
         "post_fixed_amount":0,
         "pre_fixed_amount":2.93,
         "principal_amortization_amount":36.64,
         "tax_amount":0.27,
         "total_amount":39.57,
         "workdays":22,
         "accrual_reference_date":null,
         "advanced_paid_amount":0,
         "bank_slip_key":null,
         "digitable_line":null,
         "installment_key":"920af811-9d4c-4886-9095-73cc6f546f02",
         "installment_status":"opened",
         "installment_type":"principal",
         "original_due_principal":36.64,
         "original_pre_fixed_amount":2.93,
         "original_principal_amortization_amount":36.64,
         "paid_amount":0,
         "original_total_amount":39.57,
         "qr_code_key":null,
         "qr_code_url":null,
         "renegotiation_proposal_key":null,
         "total_accrual_amount":0,
         "total_paid_amount":0,
         "installment_number":3,
         "paid_at":null,
         "updated_at":"2026-04-16T01:30:36",
         "principal_amortization_payment_amount":0,
         "prefixed_interest_payment_amount":0
      }
   ],
   "first_due_date":"2026-05-15",
   "requester_key":"3e69b448-9afb-4aef-9c0d-0a3059350d80",
   "original_total_iof":null,
   "contract_number":"0000667215/NDR",
   "credit_operation_status_enumerator":"opened",
   "operation_type_enumerator":"settlement_refinancing",
   "disbursement_date":"2026-04-15",
   "issuer_name":"NOME DO REPRESENTANTE",
   "issuer_document_number":"31057466093",
   "external_contract_fees":[
      {
         "amount_type":"absolute",
         "fee_amount":0,
         "tax_amount":0,
         "irrf_amount":0,
         "amount":0,
         "pis_amount":0,
         "amount_released":0,
         "fee_type":"tac",
         "cofins_amount":0,
         "csll_amount":0,
         "description":null,
         "net_fee_amount":0,
         "rebate_account":null
      }
   ],
   "cet":8.62,
   "annual_cet":169.6,
   "final_disbursement_amount":0,
   "number_of_installments":3,
   "disbursement_issue_amount":100.9,
   "prefixed_interest_rate":{
      "annual_rate":1.5181701168,
      "daily_rate":0.0025686614,
      "interest_base":{
         "enumerator":"calendar_days",
         "year_days":360
      },
      "monthly_rate":0.08
   },
   "fine_configuration":{
      "contract_fine_rate":0.02,
      "fine_delay_rate":{
         "annual_rate":0.12682503,
         "daily_rate":0.00032719,
         "interest_base":{
            "enumerator":"calendar_days_365",
            "year_days":365
         },
         "monthly_rate":0.01
      }
   },
   "attached_documents":[
      {
         "document_key":"a3749ce5-750a-4a1a-a22c-5966e9d13885",
         "document_url":"https://storage.googleapis.com/sandbox-doc-api-private/documents/a3749ce5-750a-4a1a-a22c-5966e9d13885/CASTELLOBNPL-NOME_DO_REPRESENTANTE-CCB-0000667215-20260416013033.pdf",
         "signature_url":"https://storage.googleapis.com/sandbox-doc-api-private/documents/a3749ce5-750a-4a1a-a22c-5966e9d13885/CASTELLOBNPL-NOME_DO_REPRESENTANTE-CCB-0000667215-20260416013033_signed.pdf",
         "document_type":"ccb_pre_price_days",
         "signature_required":true,
         "signed":true
      }
   ],
   "related_parties":[
      {
         "related_party_key":"bb7ab0e0-04f5-4814-901f-e44a6eb0b243",
         "role_type":"issuer",
         "person_type":"natural",
         "name":"NOME DO REPRESENTANTE",
         "email":"2210@test.com",
         "individual_document_number":"31057466093"
      }
   ],
   "base_iof":0.52,
   "additional_iof":0.39,
   "assignment_amount":102.42,
   "created_at":"2026-04-16T01:30:33Z",
   "total_prefixed_amount":16.9,
   "refinanced_credit_operations":[
      {
         "refinanced_credit_operation_key":"a0c66c34-404a-4391-b0d1-7c109329b808",
         "refinanced_contract_number":"0000667214/NDR",
         "due_balance":100.9,
         "due_balance_reference_date":"2026-04-15",
         "original_deadline":91,
         "refinanced_credit_operation_status_enumerator":"pending_payment",
         "updated_at":"2026-04-16T01:30:33",
         "created_at":"2026-04-16T01:30:33"
      }
   ]
}
refinanced_credit_operations

Each object describes a prior credit operation included in this refinancing: refinanced_credit_operation_key and refinanced_contract_number identify it; due_balance and due_balance_reference_date are the payoff context used when structuring the new contract; refinanced_credit_operation_status_enumerator is the status of that refinanced operation at the time of the inquiry (not necessarily the new operation’s status). original_deadline refers to the prior operation’s term where applicable.

business_due_date (installments)

In each object under installments[], pay attention to business_due_date: it is the installment due date on the business-day calendar (working / banking days). It may match due_date or differ when the natural calendar date falls on a non-business day—use both fields together when reconciling schedules and cut-offs.

operation_type_enumerator

When operation_type_enumerator is settlement_refinancing, the credit operation is a refinancing debt—that is, it is issued under the refinancing flow (settling prior credit operations). Use this field to distinguish refinancing debts from other operation types.

final_disbursement_amount

final_disbursement_amount is the effective disbursement of the new credit operation. When there is no net amount paid to the borrower (no cash payout from the new loan), the platform does not rely on a separately informed disbursement: it computes the due balance (payoff) of the refinanced loan(s), and that amount is used as the disbursed amount of the new loan—the new operation is sized to settle the prior obligation.

2. Renegotiation — Batch simulation​

Overview​

Before creating a proposal, you can simulate batch renegotiation values for operations. The simulation shows affected installments, discounts, and the total amount due across multiple operations.

When amortization_type is present_amount, send only installment_key on each installment in operations[].installments[] for simulation. Per-installment paid_amount and discount_amount are not used on batch_proposal_simulation—they are required on POST /renegotiation/batch_proposal (see §3).

Attention

Batch renegotiation can only include operations from the same issuer and the same integration key. There is a limit of 50 operations per batch renegotiation.

Request​

ENDPOINT
/renegotiation/batch_proposal_simulation
METHOD
POST
Warning

The discount_amount and discount_percentage fields must not be sent together in the same payload (root level).

Note

At the root, discount_amount and discount_percentage are mutually exclusive global discount options for the simulation payload. Per-installment paid_amount and discount_amount are documented under POST /renegotiation/batch_proposal only.

Request Body
{
    "amortization_type": "present_amount",
    "reference_date": "2026-04-08",
    "discount_percentage": 0.0,
    "operations": [
        {
            "debt_key": "1baea8a0-0fca-4f7c-8857-a227d4da72f8",
            "installments": [
                {
                    "installment_key": "ca5741c7-99a2-42e7-92a1-9328a36e4e88"
                }
            ]
        },
        {
            "debt_key": "2cbfb9b1-1fdb-5f8d-9967-b338e5eb83f9",
            "installments": [
                {
                    "installment_key": "2ef25ed8-7124-44f5-9e3d-1d1a7196166e"
                }
            ]
        }
    ]
}

Response​

Example response (batch_proposal_simulation)

{
    "batch_proposal_key": "429fd784-e13e-47a1-ad9f-291209e0e621",
    "discount_percentage": 0,
    "discount_amount": 20,
    "amortization_type": "present_amount",
    "payment_amount": 78389.55,
    "requester_name": "Castello  (BNPL)",
    "requester_key": "3e69b448-9afb-4aef-9c0d-0a3059350d80",
    "issuer_name": "Alan Mathison Turing",
    "reference_date": "2026-04-11",
    "issuer_document_number": "82744088021",
    "operations": [
        {
            "requester_key": "3e69b448-9afb-4aef-9c0d-0a3059350d80",
            "contract_number": "TEST00790",
            "payment_amount": 78389.55,
            "discount_amount": 20,
            "origin_key": null,
            "affected_installments": [
                {
                    "installment_key": "24b5deae-304e-4773-9b25-e42dbd450241",
                    "due_date": "2026-05-10",
                    "principal_amount": 73107.75725415,
                    "interest_amount": 10580.11274585,
                    "fine_amount": 0,
                    "total_amount": 83687.87,
                    "present_amount": 78389.55,
                    "paid_amount": 78389.55,
                    "principal_amortization_payment_amount": 78048.3,
                    "prefixed_interest_payment_amount": 341.25,
                    "fine_payment_amount": 0,
                    "discount_amount": 0
                }
            ],
            "remaining_installments": [
                {
                    "installment_key": "2b1d9423-4dab-44b3-bf8c-efc8433176dd",
                    "due_date": "2026-06-10",
                    "principal_amount": 73096.23,
                    "interest_amount": 10591.64,
                    "fine_amount": 0,
                    "total_amount": 83687.87
                }
            ],
            "debt_key": "388c47fa-6c6c-4d2b-8f00-ccc2d571fcb0"
        }
    ]
}

Body parameters​

FieldTypeDescriptionMax length
amortization_type*stringAmortization typeAmortization type values
reference_date*stringReference date for present value (must be D+1)10
discount_percentagefloatDiscount percentage on present value ((1 − percentage) × present value)10
discount_amountfloatDiscount amount on present value10
operations*arrayOperations to renegotiateOperations object

Operations object​

FieldTypeDescriptionMax length
debt_key*stringUnique credit operation key (DEBT-KEY)UUID
installments*arrayInstallments to renegotiateInstallments object

Installments object​

FieldTypeDescriptionMax length
installment_key*stringInstallment keyUUID

Amortization type values​

ValueDescription
present_amountSimulation with present value per installment: each installments[] entry includes installment_key only. paid_amount / discount_amount are not sent on this endpoint—use batch_proposal for those fields.

3. Renegotiation — Batch proposal​

Overview​

After simulating values, you can create a batch renegotiation proposal for multiple operations. The proposal generates a single payment method (bank slip and/or Pix) covering all operations in the batch.

For amortization type present_amount, each installment listed under operations[].installments[] must include paid_amount (amount paid or allocated for that installment), discount_amount (discount in BRL applied to the installment), and installment_key.

Attention

Batch renegotiation can only include operations from the same issuer and the same integration key. There is a limit of 50 operations per batch renegotiation.

Request​

ENDPOINT
/renegotiation/batch_proposal
METHOD
POST

Paid amount and discount amount (installments)​

For POST /renegotiation/batch_proposal only: when amortization_type is present_amount, each object in operations[].installments[] must include these fields (in addition to installment_key):

FieldTypeDescriptionMax length
paid_amountfloatAmount paid or allocated on that installment (BRL). Required when amortization_type is present_amount.15,2
discount_amountfloatDiscount in BRL applied to that installment. Required when amortization_type is present_amount; use 0 if there is no discount. Optional per installment for other amortization types, when applicable.15,2
Warning

The discount_amount and discount_percentage fields must not be sent together in the same payload (root level).

Note

At the root of the body, discount_amount and discount_percentage are mutually exclusive options for a global discount on the present value. The paid_amount and discount_amount fields inside each object in operations[].installments[] define the per-installment composition when amortization_type is present_amount (they are required in this mode and do not conflict with the root-level rule).

Request Body
{
    "amortization_type": "present_amount",
    "reference_date": "2026-04-08",
    "proposal_due_date": "2026-04-15",
    "discount_percentage": 0.0,
    "payment_type": "pix",
    "request_control_key": "94b31045-c8e7-45be-a88d-2ae25c5df5db",
    "operations": [
        {
            "debt_key": "1baea8a0-0fca-4f7c-8857-a227d4da72f8",
            "installments": [
                {
                    "installment_key": "ca5741c7-99a2-42e7-92a1-9328a36e4e88",
                    "paid_amount": 500,
                    "discount_amount": 50
                }
            ]
        },
        {
            "debt_key": "2cbfb9b1-1fdb-5f8d-9967-b338e5eb83f9",
            "installments": [
                {
                    "installment_key": "2ef25ed8-7124-44f5-9e3d-1d1a7196166e",
                    "paid_amount": 150,
                    "discount_amount": 10
                }
            ]
        }
    ]
}

Response​

STATUS
200

Example response body (batch_proposal)

{
    "batch_proposal_key": "37879d40-c16e-4d7f-a16f-d79d20c50d42",
    "discount_percentage": 0,
    "discount_amount": 20,
    "amortization_type": "present_amount",
    "payment_amount": 78206.27,
    "requester_name": "Castello  (BNPL)",
    "requester_key": "3e69b448-9afb-4aef-9c0d-0a3059350d80",
    "issuer_name": "Alan Mathison Turing",
    "reference_date": "2026-04-11",
    "issuer_document_number": "82744088021",
    "batch_proposal_status": "pending_payment",
    "proposal_due_date": "2026-04-11",
    "payment_type": "pix",
    "request_control_key": "37879d40-c16e-4d7f-a16f-d79d20c50d42",
    "origin_key": null,
    "operations": [
        {
            "requester_key": "3e69b448-9afb-4aef-9c0d-0a3059350d80",
            "contract_number": "TEST1570594223",
            "payment_amount": 78206.27,
            "discount_amount": 20,
            "origin_key": null,
            "affected_installments": [
                {
                    "installment_key": "1162e382-8bd6-4c0b-9111-8390d9794102",
                    "due_date": "2026-05-10",
                    "principal_amount": 73277.29,
                    "interest_amount": 10214.91,
                    "fine_amount": 0,
                    "total_amount": 83492.2,
                    "present_amount": 78206.27,
                    "paid_amount": 78206.27,
                    "principal_amortization_payment_amount": 78206.27,
                    "prefixed_interest_payment_amount": 0,
                    "fine_payment_amount": 0,
                    "discount_amount": 0
                }
            ],
            "remaining_installments": [
                {
                    "installment_key": "58eea645-5682-440d-aa6b-a3b124253684",
                    "due_date": "2026-06-10",
                    "principal_amount": 72925.33,
                    "interest_amount": 10566.87,
                    "fine_amount": 0,
                    "total_amount": 83492.2
                }
            ],
            "debt_key": "6564493d-75c3-4efe-9f11-82fa5cff9a78"
        }
    ],
    "payment": {
        "digitable_line": null,
        "qr_code_url": "00020126930014br.gov.bcb.pix2571qrcode-h.sandbox.qitech.app/bacen/cobv/426661142f5d4cd9954dcae3725d020d5204000053039865802BR5925QISOCIEDADEDECREDITODIRET6008SaoPaulo61080145200062070503***6304B878",
        "qr_code_key": "42666114-2f5d-4cd9-954d-cae3725d020d",
        "bank_slip_key": null,
        "paid_method_type": "pix",
        "source_account_key": null,
        "payment_data": {
            "creditor_bank_account_key": "6108dd45-580d-48c4-b3bb-74c1e843be49",
            "batch_renegotiation_proposal_key": "37879d40-c16e-4d7f-a16f-d79d20c50d42"
        }
    }
}

Body parameters​

FieldTypeDescriptionMax length
amortization_type*stringAmortization typeAmortization type values
reference_date*stringReference date for present value calculation (D+1)10
proposal_due_date*stringRenegotiation proposal due date10
payment_type*stringPayment typePayment type values
request_control_keystringOptional control key for tracking and unique identificationUUID
discount_percentagefloatDiscount percentage on present value10
discount_amountfloatDiscount amount on present value10
operations*arrayOperations to renegotiateOperations object

Operations object​

FieldTypeDescriptionMax length
debt_key*stringUnique credit operation key (DEBT-KEY)UUID
installments*arrayInstallments to renegotiateInstallments object

Installments object​

FieldTypeDescriptionMax length
installment_key*stringInstallment keyUUID
paid_amountfloatRequired for present_amount. See Paid amount and discount amount.15,2
discount_amountfloatRequired for present_amount. See Paid amount and discount amount.15,2

Payment type values​

ValueDescription
bank_slipBank slip (generates slip and Pix)
pixPix only
internalInternal transfer (automatic processing)
manualManual payment (no payment method generated)

Amortization type values​

ValueDescription
present_amountPresent value per installment. Each installments[] item must include installment_key, paid_amount, and discount_amount.

4. Renegotiation — Delete batch proposal​

Overview​

DELETE /renegotiation/batch_proposal/{request_control_key} cancels or deletes a batch renegotiation proposal that is not finalized or is still in a cancellable state. The proposal is marked canceled/deleted and any associated payment methods (bank slip, Pix, etc.) are invalidated.

Pass the same request_control_key you used when creating the batch with POST /renegotiation/batch_proposal (optional field on the create payload). If your integration maps this route to another identifier, follow your contract; the path parameter name in the API is request_control_key.

Request​

ENDPOINT
/renegotiation/batch_proposal/{request_control_key}
METHOD
DELETE

Response​

STATUS
200
Example response body
{}

5. Refinancing simulation​

Request​

ENDPOINT
/debt_simulation
METHOD
POST
Request Body
{
  "borrower": {
    "person_type": "natural"
  },
  "refinanced_credit_operations": [
    {
      "operation_key": "89b5c27e-b291-4414-abb0-f5f15c06c82b"
    }
  ],
  "financial": {
    "final_disbursement_amount": 0,
    "disbursement_amount": 0,
    "interest_type": "pre_price_days",
    "credit_operation_type": "ccb",
    "annual_interest_rate": 2.32,
    "disbursement_date": "2023-04-01",
    "first_due_date": "2023-05-01",
    "interest_grace_period": 0,
    "principal_grace_period": 0,
    "number_of_installments": 2,
    "fine_configuration": {
      "contract_fine_rate": 0.02,
      "interest_base": "calendar_days",
      "monthly_rate": 0.01
    }
  }
}
final_disbursement_amount (financial)

You may send final_disbursement_amount as 0 when you are not specifying a cash disbursement to the borrower. In that case, the simulation derives the disbursed amount of the new loan from the due balance (payoff) of the refinanced operation(s)—the same rule as in debt inquiry for final_disbursement_amount: the new credit is sized from what is owed on the previous loan(s), not from a user-defined payout amount.

Attention

Send borrower, financial, and refinanced_credit_operations with operation_key for each operation to refinance. See Definitions (refinancing simulation).

Response​

STATUS
200
Response Body
{
   "type":"debt",
   "key":"938351f9-511c-4ccb-9e09-35ebc8f1af2f",
   "status":"finished",
   "event_datetime":"2026-04-09 03:21:09",
   "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":"settlement_refinancing",
      "post_fixed_interest_base":"workdays",
      "post_fixed_interest_rate":null,
      "prefixed_interest_rate":{
         "interest_base":"calendar_days_365",
         "annual_rate":2.32,
         "monthly_rate":0.1051676747,
         "daily_rate":0.0032929847
      },
      "issue_date":"2023-04-01",
      "number_of_installments":2,
      "requester_key":"3e69b448-9afb-4aef-9c0d-0a3059350d80",
      "final_disbursement_amount":0,
      "refinanced_credit_operations":[
         {
            "refinanced_credit_operation_key":"89b5c27e-b291-4414-abb0-f5f15c06c82b",
            "refinanced_credit_operation_status":"pending_payment",
            "due_balance":15114.45,
            "due_balance_reference_date":"2023-04-01",
            "original_deadline":61
         }
      ],
      "total_pre_fixed_amount":2434.45,
      "iof_amount":115.62,
      "cet":0.1109,
      "annual_cet":2.5332,
      "disbursement_date":"2023-04-01",
      "installments":[
         {
            "calendar_days":30,
            "workdays":18,
            "business_due_date":"2023-05-02",
            "due_date":"2023-05-01",
            "due_principal":15230.07,
            "has_interest":true,
            "post_fixed_amount":0,
            "pre_fixed_amount":1578.66550979,
            "tax_amount":17.84384245,
            "total_amount":8832.26,
            "principal_amortization_amount":7253.59449021,
            "installment_number":1
         },
         {
            "calendar_days":31,
            "workdays":23,
            "business_due_date":"2023-06-01",
            "due_date":"2023-06-01",
            "due_principal":7976.47550979,
            "has_interest":true,
            "post_fixed_amount":0,
            "pre_fixed_amount":855.78449021,
            "tax_amount":39.8983305,
            "total_amount":8832.26,
            "principal_amortization_amount":7976.47550979,
            "installment_number":2
         }
      ],
      "external_contract_fees":[
         {
            "fee_type":"tac",
            "amount_type":"absolute",
            "amount":0,
            "fee_amount":0,
            "tax_amount":0,
            "net_fee_amount":0,
            "csll_amount":0,
            "irrf_amount":0,
            "pis_amount":0,
            "cofins_amount":0,
            "amount_released":0,
            "description":null
         }
      ],
      "contract_fee_amount":45.69,
      "external_contract_fee_amount":0,
      "net_external_contract_fee_amount":0,
      "contract_fees":[
         {
            "fee_type":"spread",
            "amount_type":"percentage",
            "amount":0.3,
            "fee_amount":45.69
         }
      ],
      "issue_amount":15230.07,
      "disbursed_issue_amount":15114.45,
      "assignment_amount":15275.76,
      "disbursement_options":[
         {
            "iof_amount":115.62,
            "total_pre_fixed_amount":2434.45,
            "cet":0.1109,
            "annual_cet":2.5332,
            "contract_fees":[
               {
                  "fee_type":"spread",
                  "amount_type":"percentage",
                  "amount":0.3,
                  "fee_amount":45.69
               }
            ],
            "external_contract_fees":[
               {
                  "fee_type":"tac",
                  "amount_type":"absolute",
                  "amount":0,
                  "fee_amount":0,
                  "tax_amount":0,
                  "net_fee_amount":0,
                  "csll_amount":0,
                  "irrf_amount":0,
                  "pis_amount":0,
                  "cofins_amount":0,
                  "amount_released":0,
                  "description":null
               }
            ],
            "contract_fee_amount":45.69,
            "external_contract_fee_amount":0,
            "net_external_contract_fee_amount":0,
            "disbursement_date":"2023-04-01",
            "first_due_date":"2023-05-01",
            "installments":[
               {
                  "calendar_days":30,
                  "workdays":18,
                  "business_due_date":"2023-05-02",
                  "due_date":"2023-05-01",
                  "due_principal":15230.07,
                  "has_interest":true,
                  "post_fixed_amount":0,
                  "pre_fixed_amount":1578.66550979,
                  "tax_amount":17.84384245,
                  "total_amount":8832.26,
                  "principal_amortization_amount":7253.59449021,
                  "installment_number":1
               },
               {
                  "calendar_days":31,
                  "workdays":23,
                  "business_due_date":"2023-06-01",
                  "due_date":"2023-06-01",
                  "due_principal":7976.47550979,
                  "has_interest":true,
                  "post_fixed_amount":0,
                  "pre_fixed_amount":855.78449021,
                  "tax_amount":39.8983305,
                  "total_amount":8832.26,
                  "principal_amortization_amount":7976.47550979,
                  "installment_number":2
               }
            ],
            "issue_amount":15230.07,
            "disbursed_issue_amount":15114.45,
            "assignment_amount":15275.76,
            "final_disbursement_amount":0,
            "prefixed_interest_rate":{
               "interest_base":"calendar_days_365",
               "annual_rate":2.32,
               "monthly_rate":0.1051676747,
               "daily_rate":0.0032929847
            },
            "refinanced_credit_operations":[
               {
                  "refinanced_credit_operation_key":"89b5c27e-b291-4414-abb0-f5f15c06c82b",
                  "refinanced_credit_operation_status":"pending_payment",
                  "due_balance":15114.45,
                  "due_balance_reference_date":"2023-04-01",
                  "original_deadline":61
               }
            ]
         }
      ]
   }
}

Definitions (refinancing simulation)​

Request body​

FieldTypeDescription
borrower *objectBorrower object — Borrower of the simulated operation
refinanced_credit_operations *arrayRefinanced credit operations — Operations to refinance
financial *objectFinancial object — Terms of the new operation

Borrower object​

FieldTypeDescription
person_typestringPerson type — natural or legal

Financial object​

FieldTypeDescription
final_disbursement_amountfloatEffective disbursement of the new operation (when not a cash payout to the borrower, sizing follows due balance of refinanced loan(s)—see §1 and §5).
interest_typeenumInterest type — Amortization and interest calculation
credit_operation_typeenumCredit operation type — Agreement type (e.g. CCB)
annual_interest_ratefloatAnnual prefixed interest rate (decimal)
disbursement_datedateDisbursement date (YYYY-MM-DD)
interest_grace_periodintInterest grace period (months)
principal_grace_periodintPrincipal grace period (months)
number_of_installmentsintNumber of installments
fine_configurationobjectFine configuration object — Late interest and penalty

Refinanced credit operations object​

FieldTypeDescription
operation_keystring (UUID)Credit operation key to settle with this refinancing

Fine configuration object​

FieldTypeDescription
contract_fine_ratefloatLate penalty rate as a decimal
interest_baseenumInterest base — Interest calculation basis
monthly_ratefloatMonthly late interest rate as a decimal

6. Standard loan (normal flow) — POST /signed_debt​

Standard issuance uses POST /signed_debt without refinanced_credit_operations. The financial object carries the disbursed principal via disbursed_amount (cash payout to the borrower). Field shapes for borrower, additional_data.contract (opt-in signatures), disbursement_bank_accounts, and other objects follow the same definitions as in §7. Creating a refinancing—omit refinanced_credit_operations and use disbursed_amount instead of sizing from refinanced operations.

Request​

ENDPOINT
/signed_debt
METHOD
POST
Test in Playground
Request Body
{
    "additional_data": {
        "contract": {
            "contract_number": null,
            "signed": true,
            "signatures": [
                {
                    "signer": {
                        "name": "Alan Mathison Turing",
                        "phone": {
                            "number": "912345678",
                            "area_code": "11",
                            "country_code": "055"
                        },
                        "email": "alan.turing@email.com",
                        "document_number": "96969879003"
                    },
                    "signature": {
                        "ip_address": "168.211.22.84",
                        "timestamp": "27-10-2025 11:07:15",
                        "signature_file": {
                            "file_url": "http://qitech.com.br/signature.pdf",
                            "file_type": "pdf"
                        },
                        "geolocation": {
                            "long": "-46.63611",
                            "lat": "-23.5475"
                        },
                        "fingerprint_device": null
                    }
                }
            ]
        }
    },
    "financial": {
        "number_of_installments": 2,
        "credit_operation_type": "ccb",
        "interest_type": "pre_price_days",
        "monthly_interest_rate": 0.07,
        "disbursed_amount": 150000,
        "fine_configuration": {
            "contract_fine_rate": 0.02,
            "monthly_rate": 0.15,
            "interest_base": "calendar_days"
        },
        "interest_grace_period": 0,
        "disbursement_date": "2026-04-11",
        "first_due_date": "2026-05-10",
        "principal_grace_period": 0
    },
    "purchaser_document_number": "32402502000135",
    "requester_identifier_key": null,
    "document_template_key": "518a0b57-2ce3-4309-94e5-6a95bc056d12",
    "borrower": {
        "email": "",
        "document_identification": "494598fd-c226-4332-a500-591ae3884673",
        "document_identification_back": "494598fd-c226-4332-a500-591ae3884673",
        "birth_date": "1998-06-03",
        "person_type": "natural",
        "is_pep": false,
        "mother_name": "Mother's full name",
        "profession": "Public server",
        "individual_document_number": "82744088021",
        "address": {
            "city": "São Paulo",
            "neighborhood": "CENTRO",
            "street": "Avenida Feliz",
            "complement": "",
            "postal_code": "49026100",
            "state": "SP",
            "number": ""
        },
        "phone": {
            "country_code": "055",
            "number": "912345678",
            "area_code": "11"
        },
        "document_identification_number": "47003534819",
        "name": "Alan Mathison Turing"
    },
    "disbursement_bank_accounts": [
        {
            "name": "NOME DEVEDOR",
            "bank_code": "001",
            "account_digit": "0",
            "branch_number": "2874",
            "account_number": "000057555",
            "document_number": "82744088021",
            "transfer_method": "pix",
            "percentage_receivable": 100
        }
    ]
}

Response (HTTP 200)​

The synchronous response echoes the request body with fields completed by the platform (for example contract.contract_number and requester_identifier_key).

STATUS
200
Response Body
{
    "additional_data": {
        "contract": {
            "contract_number": "TEST7886216399",
            "signed": true,
            "signatures": [
                {
                    "signer": {
                        "name": "Alan Mathison Turing",
                        "phone": {
                            "number": "912345678",
                            "area_code": "11",
                            "country_code": "055"
                        },
                        "email": "alan.turing@email.com",
                        "document_number": "96969879003"
                    },
                    "signature": {
                        "ip_address": "168.211.22.84",
                        "timestamp": "27-10-2025 11:07:15",
                        "signature_file": {
                            "file_url": "http://qitech.com.br/signature.pdf",
                            "file_type": "pdf"
                        },
                        "geolocation": {
                            "long": "-46.63611",
                            "lat": "-23.5475"
                        },
                        "fingerprint_device": null
                    }
                }
            ]
        }
    },
    "financial": {
        "number_of_installments": 2,
        "credit_operation_type": "ccb",
        "interest_type": "pre_price_days",
        "monthly_interest_rate": 0.07,
        "disbursed_amount": 150000,
        "fine_configuration": {
            "contract_fine_rate": 0.02,
            "monthly_rate": 0.15,
            "interest_base": "calendar_days"
        },
        "interest_grace_period": 0,
        "disbursement_date": "2026-04-11",
        "first_due_date": "2026-05-10",
        "principal_grace_period": 0
    },
    "purchaser_document_number": "32402502000135",
    "requester_identifier_key": "2a55c1a76af4",
    "document_template_key": "518a0b57-2ce3-4309-94e5-6a95bc056d12",
    "borrower": {
        "email": "",
        "document_identification": "494598fd-c226-4332-a500-591ae3884673",
        "document_identification_back": "494598fd-c226-4332-a500-591ae3884673",
        "birth_date": "1998-06-03",
        "person_type": "natural",
        "is_pep": false,
        "mother_name": "Mother's full name",
        "profession": "Public server",
        "individual_document_number": "82744088021",
        "address": {
            "city": "São Paulo",
            "neighborhood": "CENTRO",
            "street": "Avenida Feliz",
            "complement": "",
            "postal_code": "49026100",
            "state": "SP",
            "number": ""
        },
        "phone": {
            "country_code": "055",
            "number": "912345678",
            "area_code": "11"
        },
        "document_identification_number": "47003534819",
        "name": "Alan Mathison Turing"
    },
    "disbursement_bank_accounts": [
        {
            "name": "NOME DEVEDOR",
            "bank_code": "001",
            "account_digit": "0",
            "branch_number": "2874",
            "account_number": "000057555",
            "document_number": "82744088021",
            "transfer_method": "pix",
            "percentage_receivable": 100
        }
    ]
}
Webhook body
{
    "webhook_type": "debt",
    "key": "4e1ed268-9f29-44ce-9991-3bdf036aeacd",
    "status": "waiting_disbursement",
    "event_datetime": "2026-04-14 03:38:14",
    "data": {
        "borrower": {
            "name": "Alan Mathison Turing",
            "document_number": "82744088021",
            "related_party_key": "71b28fde-5d75-48b4-9c3f-ee531dccac66"
        },
        "contract": {
            "document_key": null,
            "number": "TEST7886216399",
            "urls": [],
            "signature_information": [
                {
                    "signer_name": "Alan Mathison Turing",
                    "signer_document_number": "82744088021",
                    "signer_role": "issuer",
                    "signer_email": null,
                    "signer_external_key": null,
                    "signature_url": null
                }
            ]
        },
        "requester_identifier_key": "2a55c1a76af4",
        "iof_charge_method": "financed",
        "collaterals": [],
        "contract_fees": [
            {
                "fee_type": "spread",
                "fee_amount": 453.39
            }
        ],
        "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": 453.39,
        "issue_amount": 151131.6,
        "assignment_amount": 151584.99,
        "cet": "7,6600%",
        "annual_cet": "142,4473%",
        "number_of_installments": 2,
        "base_iof": 557.3,
        "additional_iof": 574.3,
        "total_iof": 1131.6,
        "ipoc_code": "324025020203182744088021TEST7886216399",
        "prefixed_interest_rate": {
            "annual_rate": 1.252191589,
            "created_at": "2026-04-14T03:38:10",
            "daily_rate": 0.0022578334,
            "interest_base": "calendar_days",
            "monthly_rate": 0.07
        },
        "installments": [
            {
                "accrual_reference_date": null,
                "additional_costs": [],
                "advanced_paid_amount": 0,
                "bank_slip_key": null,
                "business_due_date": "2026-05-11",
                "calendar_days": 29,
                "digitable_line": null,
                "due_date": "2026-05-10",
                "due_interest": 0,
                "due_principal": 151131.6,
                "fine_amount": null,
                "has_interest": true,
                "installment_history": [],
                "installment_key": "c00dbecc-efb9-4384-8db3-dadba82f2d70",
                "installment_number": 1,
                "installment_payment": [],
                "installment_status": "created",
                "installment_type": "principal",
                "original_due_principal": 151131.6,
                "original_pre_fixed_amount": 10214.91484159,
                "original_principal_amortization_amount": 73277.28515841,
                "original_total_amount": 83492.2,
                "paid_amount": 0,
                "paid_at": null,
                "post_fixed_amount": 0,
                "pre_fixed_amount": 10214.91484159,
                "principal_amortization_amount": 73277.28515841,
                "qr_code_key": null,
                "qr_code_url": null,
                "renegotiation_proposal_key": null,
                "tax_amount": 174.25338411,
                "total_accrual_amount": null,
                "total_amount": 83492.2,
                "total_paid_amount": 0,
                "workdays": 18
            },
            {
                "accrual_reference_date": null,
                "additional_costs": [],
                "advanced_paid_amount": 0,
                "bank_slip_key": null,
                "business_due_date": "2026-06-10",
                "calendar_days": 31,
                "digitable_line": null,
                "due_date": "2026-06-10",
                "due_interest": 0,
                "due_principal": 77854.31484159,
                "fine_amount": null,
                "has_interest": true,
                "installment_history": [],
                "installment_key": "d3a2f42d-80cb-4891-b2be-ce80ffd383b2",
                "installment_number": 2,
                "installment_payment": [],
                "installment_status": "created",
                "installment_type": "principal",
                "original_due_principal": 77854.31484159,
                "original_pre_fixed_amount": 5637.88515841,
                "original_principal_amortization_amount": 77854.31484159,
                "original_total_amount": 83492.2,
                "paid_amount": 0,
                "paid_at": null,
                "post_fixed_amount": 0,
                "pre_fixed_amount": 5637.88515841,
                "principal_amortization_amount": 77854.31484159,
                "qr_code_key": null,
                "qr_code_url": null,
                "renegotiation_proposal_key": null,
                "tax_amount": 383.04322902,
                "total_accrual_amount": null,
                "total_amount": 83492.2,
                "total_paid_amount": 0,
                "workdays": 22
            }
        ],
        "total_pre_fixed_amount": 15852.8
    }
}

7. Creating a refinancing​

Request​

ENDPOINT
/signed_debt
METHOD
POST
Request Body
{
    "additional_data": {
        "contract": {
            "contract_number": "TEST00007890",
            "signed": true,
            "signatures": [
                {
                    "signer": {
                        "name": "Alan Mathison Turing",
                        "phone": {
                            "number": "912345678",
                            "area_code": "11",
                            "country_code": "055"
                        },
                        "email": "alan.turing@email.com",
                        "document_number": "96969879003"
                    },
                    "signature": {
                        "ip_address": "168.211.22.84",
                        "timestamp": "27-10-2025 11:07:15",
                        "signature_file": {
                            "file_url": "http://qitech.com.br/signature.pdf",
                            "file_type": "pdf"
                        },
                        "geolocation": {
                            "long": "-46.63611",
                            "lat": "-23.5475"
                        },
                        "fingerprint_device": null
                    }
                }
            ]
        }
    },
    "financial": {
        "number_of_installments": 2,
        "credit_operation_type": "ccb",
        "interest_type": "pre_price_days",
        "monthly_interest_rate": 0.07,
        "final_disbursement_amount": 0,
        "fine_configuration": {
            "contract_fine_rate": 0.02,
            "monthly_rate": 0.15,
            "interest_base": "calendar_days"
        },
        "interest_grace_period": 0,
        "disbursement_date": "2026-04-08",
        "first_due_date": "2026-05-08",
        "principal_grace_period": 0
    },
    "disbursement_bank_accounts": [
        {
            "account_digit": "5",
            "document_number": "32402502000135",
            "bank_code": "341",
            "account_number": "00002",
            "percentage_receivable": 100,
            "branch_number": "0001",
            "name": "Accout Name"
        }
    ],
    "purchaser_document_number": "32402502000135",
    "requester_identifier_key": "494598fd2009078709098",
    "refinanced_credit_operations": [
        {
            "operation_key": "067c421d-9ba1-4d4f-bf98-eb39dd12a5a5",
            "due_balance": 1000
        }
    ],
    "document_template_key": "518a0b57-2ce3-4309-94e5-6a95bc056d12",
    "borrower": {
        "email": "",
        "document_identification": "494598fd-c226-4332-a500-591ae3884673",
        "document_identification_back": "494598fd-c226-4332-a500-591ae3884673",
        "birth_date": "1998-06-03",
        "person_type": "natural",
        "is_pep": false,
        "mother_name": "Mother's full name",
        "profession": "Public server",
        "individual_document_number": "47003534819",
        "address": {
            "city": "São Paulo",
            "neighborhood": "CENTRO",
            "street": "Avenida Feliz",
            "complement": "",
            "postal_code": "49026100",
            "state": "SP",
            "number": ""
        },
        "phone": {
            "country_code": "055",
            "number": "912345678",
            "area_code": "11"
        },
        "document_identification_number": "47003534819",
        "name": "Alan Mathison Turing"
    }
}
Attention

Refinancing creation uses the same POST /signed_debt endpoint as §6. Standard loan (normal flow), with refinanced_credit_operations listing operations to settle. The example below also includes additional_data.contract (opt-in signatures) and disbursement_bank_accounts.

Body parameters​

FieldTypeDescriptionMax. chars
additional_data *objectContract metadata and signature evidence under additional_data.contract (contract number, signed flag, signatures[] with signer and evidence).-
borrower *objectBorrower object — Borrower of the credit operation.-
disbursement_bank_accounts *arrayDisbursement bank account — Account for disbursement-
financial *objectFinancial object — Financial terms; use "natural" for person_type when applicable.-
purchaser_document_number *stringAssignee (purchaser) CNPJ (digits only, no formatting).-
requester_identifier_keystringClient tracking key for the request.-
refinanced_credit_operations *array of objectsRefinanced credit operations — Operations to settle with this refinancing.-

Borrower object​

FieldTypeDescriptionMax. chars
name *stringBorrower full name100
emailstringBorrower email254
phoneobjectPhone object — Contact phone-
is_pep *booleanPEP indicator (http://www.portaldatransparencia.gov.br/download-de-dados/pep)-
address *objectAddress object — Borrower address-
role_type *enumDefault: issuer-
birth_date *dateBorrower birth date (YYYY-MM-DD)-
mother_name *stringMother’s full name100
nationalitystringNationality50
person_type *stringPerson type — natural or legal (default: natural for individuals)-
individual_document_number *stringBorrower CPF (digits only)11
document_identification *stringDOCUMENT_KEY of the borrower’s photo ID PDF (RG or CNH)-
document_identification_backstringDOCUMENT_KEY of the back of the photo ID (uploaded beforehand).11

Address object​

FieldTypeDescriptionMax. chars
city *stringCity100
state *stringState (two uppercase letters)2
number *stringStreet number10
street *stringStreet name100
complement *stringAddress complement (free text)100
postal_code *stringPostal code (https://www.buscacep.correios.com.br/)8
neighborhood *stringNeighborhood100

Phone object​

FieldDescriptionExampleMax. chars
number *stringPhone number10
area_code *stringArea code (https://ddd.guiamais.com.br/)2
country_code *stringCountry code (https://ddi.guiamais.com.br/)3

Disbursement bank account​

Debt issuance must include bank details for disbursement; by default this is an account in the borrower’s name.

FieldTypeDescriptionMax. chars
namestringAccount holder name50
document_numberstringAccount holder CPF11
bank_code *stringCOMPE bank code (https://www.bcb.gov.br/pom/spb/estatistica/port/ASTR003.pdf)3
branch_number *stringBranch number (do not include branch check digit)4
account_number *stringAccount number (without account check digit)10
account_digit *stringAccount check digit (use zero instead of letters)1
account_typeenumAccount type1

Financial object​

The financial object describes the credit operation’s financial terms.

FieldTypeDescriptionMax. chars
final_disbursement_amount *floatEffective disbursement of the credit operation (when not a cash payout to the borrower, sizing follows due balance of refinanced loan(s)—see §1 and §5).-
interest_typeenumInterest type — Amortization and interest calculation-
credit_operation_typeenumCredit operation type — Agreement type-
annual_interest_ratefloatAnnual prefixed interest rate as a decimal-
disbursement_datedateDisbursement date-
interest_grace_periodintInterest grace period (months)-
principal_grace_periodintPrincipal grace period-
number_of_installmentsintNumber of installments-
fine_configurationobjectFine configuration — Late interest and penalty-

Fine configuration object​

Fine configuration defines late penalty and interest for the credit operation.

FieldTypeDescriptionMax. chars
contract_fine_ratefloatLate penalty rate-
interest_baseenumInterest base — Interest calculation basis-
monthly_ratefloatMonthly late interest rate-

Refinanced credit operations​

FieldTypeDescriptionMax. chars
operation_key *stringKey of the operation to refinanceUUID
due_balancenumberPayoff amount of the operation to settle (optional, ≥ 0)-

Enumerators​

Person type​

ValueDescription
legalLegal entity
naturalNatural person

Account type​

ValueDescription
checking_accountChecking account
deposit_accountDeposit account
guaranteed_accountGuaranteed account
investment_accountInvestment account
payment_accountPayment account
saving_accountSavings account
salary_accountSalary account

Interest type​

ValueDescription
pre_price_daysPrice method (equal installments) with daily prefixed interest
pre_pricePrice method (equal installments) with prefixed interest in fixed 30-day periods
pre_sacSAC (constant amortization) with daily prefixed interest
post_sacSAC with prefixed rate plus post-fixed index (CDI, IPCA, or IGP-M), daily
post_pricePrice method with prefixed rate plus post-fixed index in fixed 30-day periods
post_price_daysPrice method with prefixed rate plus post-fixed index, daily

Credit operation type​

ValueDescription
ccbBank credit note (Cédula de Crédito Bancário)
cceExport credit note
cciReal estate credit note
nceExport credit note (alternative)

Interest base​

ValueDescription
workdaysBusiness days, 252-day year
calendar_daysCalendar days, 360-day year
calendar_days_365Calendar days, 365-day year

Fee type​

Each fee type must be enabled and configured by QI Tech in advance.

ValueDescription
tacAccount opening fee
spreadPremium on the credit operation acquisition amount
warranty_analysisCollateral analysis fee
ted_feeTED transfer fee
spread_ted_feePremium on TED fee in the acquisition amount

Response​

STATUS
200
Response Body
{
    "webhook_type": "debt",
    "key": "f6c9c359-217a-475b-b2bc-540402d0c720",
    "status": "waiting_signature",
    "event_datetime": "2026-04-09 03:14:55",
    "data": {
        "borrower": {
            "name": "Alan Mathison Turing",
            "document_number": "47003534819",
            "related_party_key": "f606243a-6d6b-4de8-984e-0364fffe50cc"
        },
        "contract": {
            "document_key": "6f8ecbba-c7ed-482e-81f7-717a91b8c5cb",
            "number": "TEST00007890",
            "urls": [
                "https://storage.googleapis.com/sandbox-doc-api-private/documents/6f8ecbba-c7ed-482e-81f7-717a91b8c5cb/CASTELLOBNPL-ALAN_MATHISON_TURING-CCB0260409031449.pdf"
            ],
            "signature_information": [
                {
                    "signer_name": "Alan Mathison Turing",
                    "signer_document_number": "47003534819",
                    "signer_role": "issuer",
                    "signer_email": null,
                    "signer_external_key": null,
                    "signature_url": null
                }
            ]
        },
        "requester_identifier_key": "494598fd2009078709098",
        "iof_charge_method": "financed",
        "collaterals": [],
        "contract_fees": [
            {
                "fee_type": "spread",
                "fee_amount": 30.46
            },
            {
                "fee_type": "spread_refinancing",
                "fee_amount": 30.23
            }
        ],
        "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": 60.69,
        "issue_amount": 10153.18,
        "assignment_amount": 10213.87,
        "cet": "7,6500%",
        "annual_cet": "142,2787%",
        "number_of_installments": 2,
        "base_iof": 38.3,
        "additional_iof": 38.58,
        "total_iof": 76.88,
        "ipoc_code": "324025020203147003534819TEST00007890",
        "prefixed_interest_rate": {
            "annual_rate": 1.252191589,
            "created_at": "2026-04-09T03:14:49",
            "daily_rate": 0.0022578334,
            "interest_base": "calendar_days",
            "monthly_rate": 0.07
        },
        "installments": [
            {
                "accrual_reference_date": null,
                "additional_costs": [],
                "advanced_paid_amount": 0,
                "bank_slip_key": null,
                "business_due_date": "2026-05-08",
                "calendar_days": 30,
                "digitable_line": null,
                "due_date": "2026-05-08",
                "due_interest": 0,
                "due_principal": 10153.18,
                "fine_amount": null,
                "has_interest": true,
                "installment_history": [],
                "installment_key": "5359d7b1-8952-42e4-89bd-7fc57ac304aa",
                "installment_number": 1,
                "installment_payment": [],
                "installment_status": "created",
                "installment_type": "principal",
                "original_due_principal": 10153.18,
                "original_pre_fixed_amount": 710.7240611,
                "original_principal_amortization_amount": 4911.0359389,
                "original_total_amount": 5621.76,
                "paid_amount": 0,
                "paid_at": null,
                "post_fixed_amount": 0,
                "pre_fixed_amount": 710.7240611,
                "principal_amortization_amount": 4911.0359389,
                "qr_code_key": null,
                "qr_code_url": null,
                "renegotiation_proposal_key": null,
                "tax_amount": 12.08114841,
                "total_accrual_amount": null,
                "total_amount": 5621.76,
                "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": "2026-06-08",
                "due_interest": 0,
                "due_principal": 5242.1440611,
                "fine_amount": null,
                "has_interest": true,
                "installment_history": [],
                "installment_key": "02ad962c-22b7-49ab-bdb3-99f30758a254",
                "installment_number": 2,
                "installment_payment": [],
                "installment_status": "created",
                "installment_type": "principal",
                "original_due_principal": 5242.1440611,
                "original_pre_fixed_amount": 379.6159389,
                "original_principal_amortization_amount": 5242.1440611,
                "original_total_amount": 5621.76,
                "paid_amount": 0,
                "paid_at": null,
                "post_fixed_amount": 0,
                "pre_fixed_amount": 379.6159389,
                "principal_amortization_amount": 5242.1440611,
                "qr_code_key": null,
                "qr_code_url": null,
                "renegotiation_proposal_key": null,
                "tax_amount": 26.22120459,
                "total_accrual_amount": null,
                "total_amount": 5621.76,
                "total_paid_amount": 0,
                "workdays": 20
            }
        ],
        "total_pre_fixed_amount": 1090.34
    }
}
STATUS
400
Response Body
{
  "data": "{\"title\": \"Bad Request\", \"description\": \"Invalid request body.\", \"translation\": \"Corpo da requisição inválido.\", \"extra_fields\": {}, \"code\": \"LEG000069\"}"
}

8. Technical Specifications and Enums​

Fees Object​

FieldTypeDescription
amountfloatFee amount (in percentage or absolute value, depending on the value provided in the amount_type field)
amount_typeenumFee value unit
fee_amountfloatAbsolute value of the fee charged in the operation
fee_typestringType of fee charged in the operation
typestringSource of the fee charged in the operation

Installments Object​

FieldTypeDescription
calendar_daysintegerNumber of calendar days between installments
due_datestringInstallment due date in calendar days
due_principalfloatRemaining principal on the installment due date before its payment
has_interestbooleantrue - If true, interest applies to the installment
installment_numberintegerInstallment number
prefixed_amountfloatFixed interest amount paid on the installment
principal_amortization_amountfloatPrincipal amount paid on the installment
tax_amountfloatBase IOF amount of installment
amountfloatInstallment total value
due_interestfloatRemaining interest after the installment due date before its payment
periodfloatInstallment period
period_workdaysfloatInstallment period in business days
period_to_disbursementfloatPeriod until disbursement
period_workdays_to_disbursementfloatBusiness days until disbursement
calendar_days_to_disbursementintegerCalendar days to disbursement
workdaysintegerBusiness days between installments
workdays_to_disbursementintegerBusiness days until disbursement

Interest Rate Object​

FieldDescription
annual_rateAnnual fixed/floating interest rate expressed as a decimal
daily_rateDaily fixed/floating interest rate expressed as a decimal
interest_baseInterest Base Enumerator - Interest calculation basis
monthly_rateMonthly fixed/floating interest rate expressed as a decimal

Tax Configuration Object​

FieldDescription
base_rateBase IOF rate value
additional_rateAdditional IOF rate value

Enumeratores​

Person Type Enumerator​

EnumeratorDescription
legalLegal person
naturalNatural person

Account Type Enumerator​

EnumeratorDescription
checking_accountChecking account

Amount Type Enumerator​

EnumeratorDescription
absoluteAbsolute value
percentagePercentage value

Interest Type Enumerator​

EnumeratorDescription
pre_price_daysPrice amortization method (equal installments) with daily fixed-rate interest calculation
pre_pricePrice amortization method (equal installments) with fixed-rate interest calculation over 30-day periods

Credit Operation Type Enumerator​

EnumeratorDescription
ccbBank Credit Note

Interest Base Enumerator​

EnumeratorDescription
workdaysInterest calculation basis in business days, assuming a 252-day year
calendar_daysInterest calculation basis in calendar days, assuming a 360-day year
calendar_days_365Interest calculation basis in calendar days, assuming a 365-day year

Fee Type Enumerator​

Each fee type must be previously enabled and configured by QI Tech

EnumeratorDescription
spreadPremium included in the credit operation's acquisition value
spread_ted_feePremium on the TED transfer fee

Origin Type Enumerator​

Each fee type must be previously enabled and configured by QI Tech

EnumeratorDescription
internalInternal fee
externalExternal fee

9. Webhooks — batch renegotiation​

These events notify your systems when a batch renegotiation proposal (created via POST /renegotiation/batch_proposal) reaches a relevant lifecycle state—for example after payment (status: paid) or when the proposal is rejected (status: rejected).

webhook_type: renegotiation.batch_proposal​

Use this payload to reconcile batch_proposal_status, payment method, and amounts with your internal records for the request_control_key / batch_proposal_key you track from creation.

Attention

A batch renegotiation proposal may move to rejected when the payment window expires without settlement, or when an installment is paid outside the batch renegotiation (invalidating the proposal). Treat status accordingly and use key as batch_proposal_key.

Example payload (status: paid)

{
    "key": "217bf9ba-65e0-4416-8f5e-ef423d72b23c",
    "data": {
        "paid_in": {
            "ispb": "32402502",
            "name": "QI SOCIEDADE DE CRÉDITO DIRETO S.A.",
            "code_number": 329
        },
        "paid_method_type": "pix"
    },
    "status": "paid",
    "webhook_type": "renegotiation.batch_proposal",
    "event_datetime": "2025-09-30 13:42:58"
}

Example payload (status: rejected)

{
    "key": "217bf9ba-65e0-4416-8f5e-ef423d72b23c",
    "data": {},
    "status": "rejected",
    "webhook_type": "renegotiation.batch_proposal",
    "event_datetime": "2025-09-30 13:42:58"
}

10. API error codes — renegotiation (reference)​

The following code values may appear in error responses from renegotiation-related endpoints (batch proposal, single proposal, etc.), aligned with the service exception classes below. title and http_status follow each class; description and translation are the English and Portuguese messages returned by the API.

General (QIT*)​

CodeHTTPException classDescription (EN)Translation (PT)
QIT000001400InvalidSchemaPayload validation message (variable).Payload Inválido
QIT000002403ForbiddenNotMasterYou are not allowed to perform this action at this endpoint.Você não está autorizado a performar esta ação neste endpoint.
QIT000003403ForbiddenInexistentRequesterThis service cannot process requests without a 'SELECTED-AGENT'Esse serviço não pode processar requisições sem o Header 'SELECTED-AGENT'
QIT000004403ForbiddenNotInternalRequest must be internalRequisição precisa ser interna
QIT000005403ForbiddenSelectedAgentNotTheSameAsPersonKeySelected agent and person key are different.Agente da operação é diferente da chave do usuário.
QIT000404404NotFoundResourceThe requested resource could not be found but may be available in the future. Subsequent requests by the client are permissible.O resource solicitado não podee ser encontrado, mas pode estar disponível no futuro. Requests subsequentes do cliente são permitidos.

Renegotiation (RN*)​

CodeHTTPException classDescription (EN)Translation (PT)
RN0000001400InvalidOperationStatusCredit operation status is invalid for this request. Status: {status}O status dessa operação de crédito é invalido para essa requisição. Status: {status}
RN0000002400InvalidInstallmentStatusInstallment status is invalid for this request. Installment key: {installment_key}O status dessa parcela é invalido para essa requisição. Installment key: {installment_key}
RN0000003404InstallmentNotFoundNo installment found for received installment keys.Nenhuma parcela encontrada para as installment keys recebidas.
RN0000004400PercentageDiscountFieldThe percentage discount amount must be less than or equal to 1.O valor do desconto percentual deve ser menor ou igual a 1.
RN0000005400DiscountValueThe discount amount cannot be greater than the the installments values.O valor do desconto não pode ser maior do que o valor das parcelas.
RN0000006400DuplicateInstallmentKeyThe same installment key was informed more than once. Installment Key: {installment_key}A mesma installment_key foi informada mais de uma vez. Installment Key: {installment_key}
RN0000007400PaidAmountInstallment doesn't have paid_amount field. Installment_key: {installment_key}Parcela não possui campo paid_amount. Installment_key: {installment_key}
RN0000008400ProposalWithoutPaymentProposal must have a payment linked to it.A proposta deve ter um pagamento vinculado a ela.
RN0000009403ForbiddenInvalidRequesterThe requester informed is not the same as the credit operation.O solicitante informado não é o mesmo da operação de crédito.
RN0000010404ProposalNotFoundProposal not found.Proposta não encontrada.
RN0000011400ProposalNotCancelableProposal cannot be canceled in current status. Status: {status}Proposta não pode ser cancelada no status atual. Status: {status}
RN0000012404NotFoundCreditOperationCredit Operation not found for sent contract number.Operação de credito não encontrada pelo número de contrato enviado.
RN0000013404NotFoundPaymentEngineThe payment engine has not been found.O mecanismo de pagamento não foi encontrado.
RN0000014404NotFoundRequesterProfileThe requester profile has not been found.O perfil de solicitante não foi encontrado.
RN0000015400InvalidDateProposal due date or reference date cannot be in past.A data de vencimento da renegociação ou a data de referência não podem estar no passado.
RN0000016404NotFoundRequesterConfigurationThe requester configuration has not been found.A configuração de solicitante não foi encontrada.
RN0000017400CannotBePaidThe proposal cannot be paid in current status. Proposal Status: {status}A renegociação não pode ser paga no status atual. Proposal Status: {status}
RN0000018400BankSlipRegistrationRejectedThe bank slip registration has been rejected.O registro do boleto bancário foi rejeitado.
RN0000019409SimilarProposalExistsThis contract is already linked to another proposal in progress.Esse contrato ja está vinculado a outra proposta em andamento.
RN0000020400InvalidRenegotiationRenegotiation request invalid due to credit operation status.A requisição de renegociação é inválida devido ao status da operação de crédito.
RN0000021400RenegotiationOperationNumberNumber of operations is greater than the maximum allowed. Maximum operations allowed: {maximum_operations}Número de operações é maior que o máximo permitido. Máximo de operações permitidas: {maximum_operations}
RN0000022400DifferentIssuersBatchRenegotiationIt is not possible to carry out a batch renegotiation with different issuers.Não é possível realizar uma renegociação em lote com emissores diferentes.
RN0000024404BatchProposalNotFoundBatch proposal not found.Batch proposal não encontrada.
RN0000025400BatchProposalNotCancelableBatch Proposal cannot be canceled in current status. Status: {status}Proposta em lote não pode ser cancelada no status atual. Status: {status}
RN0000026400DuplicatedBatchProposalRequesterIdentifierKeyRequester identifier key is already been used for another batch proposal.Requester identifier key ja está sendo utilizada para outra proposta em lote.
RN0000027400DiscountValueBatchProposalThe discount amount cannot be greater than the batch proposal payment amount: {payment_amount}.O valor do desconto não pode ser maior do que o valor de pagamento da renegociação em lote: {payment_amount}.
RN0000028400InvalidInstallmentsForCollateralRenegotiationSelected Installments for renegotiation must include the latest due dates.As parcelas selecionadas para renegociação devem incluir as últimas datas de vencimento.
RN0000029400InvalidAmortizationTypeForCollateralRenegotiationAmortization Type of collateral renegotiation must be Installment Payment.O tipo de amortização para a renegociação com colateral deve ser pagamento de parcelas.
RN0000030400InvalidDisbursementAmountPayloadDiscount amount field can't be informed for batch proposal and operations in same request.O campo de valor de desconto não pode ser informado para a batch proposal e para as operações na mesma requisição.
RN0000031400InstallmentAmountZeroInstallment payment amount can't be 0. Installment_key: {installment_key}Valor de pagamento da parcela não pode ser 0. Installment_key: {installment_key}
RN0000032400PaymentAmountGreaterThanDisbursementPayment amount cannot be greater than the disbursement amount.O valor do pagamento não pode ser maior que o valor de desembolso.
RN0000033400PaymentAmountNotRequiredPayment amount is not required for present amount amortization type.O valor do pagamento não é necessário para o tipo de amortização presente.
RN0000034400DuplicatedProposalRequesterIdentifierKeyRequester identifier key is already been used for another proposal.Requester identifier key ja está sendo utilizada para outra proposta.
RN0000035400InvalidDiscountAmountOnlyInterestDiscountInvalid discount amount. Discount amount must be only interest discount.O valor do desconto é invalido. O valor do desconto deve ser apenas desconto de juros.
RN0000036500MaxRetriesTooBigMax retries set is too big to be executable.Número máximo de retentativas é muito grande.
RN0000037400InvalidEmployerDocumentForCreditOperationThe payer document number does not match the employer document for the credit operation.O documento do pagador não corresponde ao documento do empregador para a operação de crédito.

Placeholder tokens such as {status} or {installment_key} reflect dynamic segments in the actual description / translation strings returned by the API.