Homologation Roadmap - Credit Pay
Summary
1. Debt inquiry
You can query the debt later to retrieve information or track its current status:
Request
Path params
| Field | Type | Description | Max. Char. |
|---|---|---|---|
requester_identifier_key * | string | Client tracking key for the request | UUID |
Response
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.
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_operationsEach 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_enumeratorWhen 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_amountfinal_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).
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
The discount_amount and discount_percentage fields must not be sent together in the same payload (root level).
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_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
| Field | Type | Description | Max length |
|---|---|---|---|
amortization_type* | string | Amortization type | Amortization type values |
reference_date* | string | Reference date for present value (must be D+1) | 10 |
discount_percentage | float | Discount percentage on present value ((1 − percentage) × present value) | 10 |
discount_amount | float | Discount amount on present value | 10 |
force_due_date | boolean | Optional. When true, installments whose reference_date falls within the shift window [due_date, business_due_date] (business_due_date > due_date, e.g. weekend/holiday rollover) are priced at face value using the installment's own due_date as reference — no accrued interest, no delay fine. Default false. See Force due date behavior. | — |
operations* | array | Operations to renegotiate | Operations object |
Operations object
| Field | Type | Description | Max length |
|---|---|---|---|
debt_key* | string | Unique credit operation key (DEBT-KEY) | UUID |
installments* | array | Installments to renegotiate | Installments object |
Installments object
| Field | Type | Description | Max length |
|---|---|---|---|
installment_key* | string | Installment key | UUID |
Amortization type values
| Value | Description |
|---|---|
| present_amount | Simulation 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. |
Force due date behavior
When force_due_date is true, the API applies a shift-window rule to each installment:
- If
business_due_date > due_date(i.e. there is a weekend/holiday rollover) andreference_datefalls within[due_date, business_due_date], the installment is treated as not yet due and priced at face value using its owndue_dateas reference. Interest does not accrue for the days betweendue_dateandreference_date, and no delay fine is charged. - Otherwise (no shift, or
reference_dateoutside the window) the installment behaves as usual (overdue or not overdue).
Typical use case: the client wants to pay on Sunday installments that fell on Saturday. Without the flag, one day of interest accrues; with the flag, only the face value is charged. The flag is opt-in and defaults to false — omitting it preserves the current behavior.
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.
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
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):
| Field | Type | Description | Max length |
|---|---|---|---|
paid_amount | float | Amount paid or allocated on that installment (BRL). Required when amortization_type is present_amount. | 15,2 |
discount_amount | float | Discount 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 |
The discount_amount and discount_percentage fields must not be sent together in the same payload (root level).
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
Example response body (batch_proposal)
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
| Field | Type | Description | Max length |
|---|---|---|---|
amortization_type* | string | Amortization type | Amortization type values |
reference_date* | string | Reference date for present value calculation (D+1) | 10 |
proposal_due_date* | string | Renegotiation proposal due date | 10 |
payment_type* | string | Payment type | Payment type values |
request_control_key | string | Optional control key for tracking and unique identification | UUID |
discount_percentage | float | Discount percentage on present value | 10 |
discount_amount | float | Discount amount on present value | 10 |
force_due_date | boolean | Optional. When true, installments in the shift window [due_date, business_due_date] (business_due_date > due_date) are charged at face value using their own due_date as reference — no accrued interest, no delay fine. Default false. See Force due date behavior. | — |
operations* | array | Operations to renegotiate | Operations object |
Operations object
| Field | Type | Description | Max length |
|---|---|---|---|
debt_key* | string | Unique credit operation key (DEBT-KEY) | UUID |
installments* | array | Installments to renegotiate | Installments object |
Installments object
| Field | Type | Description | Max length |
|---|---|---|---|
installment_key* | string | Installment key | UUID |
paid_amount | float | Required for present_amount. See Paid amount and discount amount. | 15,2 |
discount_amount | float | Required for present_amount. See Paid amount and discount amount. | 15,2 |
Payment type values
| Value | Description |
|---|---|
bank_slip | Bank slip (generates slip and Pix) |
pix | Pix only |
internal | Internal transfer (automatic processing) |
manual | Manual payment (no payment method generated) |
Amortization type values
| Value | Description |
|---|---|
| present_amount | Present 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
Response
Example response body
{}
5. Refinancing simulation
Request
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.
Send borrower, financial, and refinanced_credit_operations with operation_key for each operation to refinance. See Definitions (refinancing simulation).
Response
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
| Field | Type | Description |
|---|---|---|
| borrower * | object | Borrower object — Borrower of the simulated operation |
| refinanced_credit_operations * | array | Refinanced credit operations — Operations to refinance |
| financial * | object | Financial object — Terms of the new operation |
Borrower object
| Field | Type | Description |
|---|---|---|
| person_type | string | Person type — natural or legal |
Financial object
| Field | Type | Description |
|---|---|---|
| final_disbursement_amount | float | Effective 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_type | enum | Interest type — Amortization and interest calculation |
| credit_operation_type | enum | Credit operation type — Agreement type (e.g. CCB) |
| annual_interest_rate | float | Annual prefixed interest rate (decimal) |
| disbursement_date | date | Disbursement date (YYYY-MM-DD) |
| interest_grace_period | int | Interest grace period (months) |
| principal_grace_period | int | Principal grace period (months) |
| number_of_installments | int | Number of installments |
| fine_configuration | object | Fine configuration object — Late interest and penalty |
Refinanced credit operations object
| Field | Type | Description |
|---|---|---|
| operation_key | string (UUID) | Credit operation key to settle with this refinancing |
Fine configuration object
| Field | Type | Description |
|---|---|---|
| contract_fine_rate | float | Late penalty rate as a decimal |
| interest_base | enum | Interest base — Interest calculation basis |
| monthly_rate | float | Monthly 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.