Emissão da Operação
Cria a operação de crédito (POST /debt) para um benefício do INSS, com a garantia social_security que dá origem ao pedido de averbação na Dataprev.
Antes: Simulação da Dívida e Consulta de dados do benefício. Depois: Formalização.
Atenção!
Os webhooks da QI Tech não devem ser mapeadas de forma restrita. Campos adicionais podem ser incluídos aos payloads dos webhooks retornados em nossas APIs.
Reenvio de Webhooks
Você pode consultar e reenviar webhooks seguindo as instruções detalhadas na documentação: Reenvio de Webhooks.
Atenção
Para operações em que ainda não se passaram 90 dias desde a data de Despacho Benefício e a averbação não é permitida, é necessário garantir que a soma de disbursement_date e limit_days_to_disburse resulte em uma data posterior aos 90 dias. Caso essa regra não seja cumprida, a operação será cancelada permanentemente, com o CancelReason: social_security_margin_release_after_disbursement_end_date.
O campo "assistance_type", localizado dentro do objeto "collateral_data", refere-se ao tipo de benefício que está sendo utilizado para o empréstimo. O mesmo é retornado na consulta de dados do benefício. Para visualizar os valores possíveis (enumeradores), consultar a tabela Tabela de enumerador
Atenção
O objeto credit_agent representa o agente de crédito, por vezes conhecido como pastinha, responsável pela originação desta dívida. Este campo é obrigatório para a emissão de dívidas de consignados.
CIN — Carteira de Identidade Nacional
O campo document_identification_type agora aceita o valor cin (Carteira de Identidade Nacional). Quando utilizado, o campo document_identification_number deve ser igual ao CPF do portador (individual_document_number). O número do CIN é o próprio CPF.
Valores aceitos em document_identification_type: rg, rne, cnh, ctps, class_document, passport, other, cin.
Atenção: o envio do documento de identificação (document_identification) passará a ser obrigatório nas operações de crédito INSS (crédito novo e portabilidade). Comunique seus integradores com antecedência.
Assinatura em grupo (opcional)
Para reunir esta dívida com outras operações INSS do mesmo beneficiário e coletar uma única assinatura, envie document_batch_group_key na raiz do payload (mesmo nível de borrower, financial etc.). Nesse caso, a assinatura fica vinculada à pasta do grupo e o link único é obtido no envio do grupo para assinatura. Consulte o fluxo de Assinatura em grupo.
Request
Caso 1: Emissão sem representante legal
ENDPOINT
/debtMÉTODO
POST- Crédito Novo
- Refinanciamento
- Crédito Novo - Aumento Salarial
Request Body
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2023-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.0166,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 101.84,
"limit_days_to_disburse": 7,
"number_of_installments": 10,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644799"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
]
}
Request Body
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
],
"refinanced_credit_operations": [
{
"operation_key": "4f32e501-212c-4129-8ac3-d9943b78583b"
}
]
}
Request Body
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"operation_category": "minimum_wage_increase",
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
]
}
Caso 2: Emissão com representante legal
ENDPOINT
/debtMÉTODO
POST- Crédito Novo
- Refinanciamento
- Crédito Novo - Aumento Salarial
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"related_parties": [
{
"name": "Representante legal",
"email": "teste@qitech.com.br",
"phone": {
"number": "991294043",
"area_code": "55",
"country_code": "055"
},
"address": {
"street": "AV LEONOR",
"state": "SP",
"city": "GUARULHOS",
"neighborhood": "",
"number": "1",
"postal_code": "07025200",
"complement": ""
},
"role_type": "issuer_legal_representative",
"person_type": "natural",
"is_pep": false,
"individual_document_number": "19125869086",
"birth_date": "1970-04-20",
"mother_name": " Ana Lúcia"
}
],
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
]
}
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"related_parties": [
{
"name": "Representante legal",
"email": "teste@qitech.com.br",
"phone": {
"number": "991294043",
"area_code": "55",
"country_code": "055"
},
"address": {
"street": "AV LEONOR",
"state": "SP",
"city": "GUARULHOS",
"neighborhood": "",
"number": "1",
"postal_code": "07025200",
"complement": ""
},
"role_type": "issuer_legal_representative",
"person_type": "natural",
"is_pep": false,
"individual_document_number": "19125869086",
"birth_date": "1970-04-20",
"mother_name": " Ana Lúcia"
}
],
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
],
"refinanced_credit_operations": [
{
"operation_key": "4f32e501-212c-4129-8ac3-d9943b78583b"
}
]
}
{
"borrower": {
"name": "Nome devedor",
"phone": {
"number": "999538380",
"area_code": "84",
"country_code": "055"
},
"gender": "female",
"is_pep": false,
"address": {
"city": "Natal",
"state": "RN",
"number": "1984",
"street": "Rua",
"complement": "complemento",
"postal_code": "59065720",
"neighborhood": "bairro"
},
"role_type": "issuer",
"birth_date": "1959-07-08",
"mother_name": "NOME DA MAE",
"nationality": "Brasileiro",
"person_type": "natural",
"marital_status": "single",
"attached_documents_list": [],
"individual_document_number": "14471835092",
"document_identification_date": "2015-10-02",
"document_identification_type": "rg",
"document_identification_number": "003709888"
},
"related_parties": [
{
"name": "Representante legal",
"email": "teste@qitech.com.br",
"phone": {
"number": "991294043",
"area_code": "55",
"country_code": "055"
},
"address": {
"street": "AV LEONOR",
"state": "SP",
"city": "GUARULHOS",
"neighborhood": "",
"number": "1",
"postal_code": "07025200",
"complement": ""
},
"role_type": "issuer_legal_representative",
"person_type": "natural",
"is_pep": false,
"individual_document_number": "19125869086",
"birth_date": "1970-04-20",
"mother_name": " Ana Lúcia"
}
],
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-09-20",
"disbursement_date": "2024-11-07",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"installment_face_value": 1000,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
},
"simplified": true,
"collaterals": [
{
"percentage": 1,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"operation_category": "minimum_wage_increase",
"subcorban_document_number": "12123456000101"
},
"collateral_type": "social_security"
}
],
"additional_data": {
"contract": {
"contract_number": "TST0000644715"
}
},
"purchaser_document_number": "32402502000135",
"credit_agent": {
"document_number": "87237271016",
"name": "Agente de credito"
},
"disbursement_bank_accounts": [
{
"name": "NOME DEVEDOR",
"bank_code": "001",
"account_digit": "0",
"branch_number": "2874",
"account_number": "000057555",
"document_number": "14471835092",
"transfer_method": "pix",
"percentage_receivable": 100
}
],
"refinanced_credit_operations": [
{
"operation_key": "4f32e501-212c-4129-8ac3-d9943b78583b"
}
]
}
Exemplo de objeto financial com rebates
{
"financial": {
"first_due_date": "2022-12-07",
"installment_face_value": 100,
"disbursement_date": "2022-11-03",
"limit_days_to_disburse": 3,
"number_of_installments": 24,
"disbursed_amount": 1876,
"interest_type": "pre_price_days",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"principal_grace_period": 0,
"rebates": [
{
"amount": 20,
"rebate_bank_account": {
"name": "Teste Ltda",
"document_number": "18533555000164",
"account_digit": "0",
"account_number": "4290001",
"branch_number": "0001",
"bank_code": "329"
},
"amount_type": "percentage",
"fee_type": "spread"
}
]
}
}
Response
ENDPOINT
/debtMÉTODO
POSTA resposta traz uma opção por data de desembolso disponível em disbursement_options, todas idênticas em estrutura e diferindo apenas na data e nos valores que ela move (juros, IOF, valor de cessão e o cronograma de parcelas). No exemplo real desta operação vieram 8 opções, de 2024-11-07 a 2024-11-14; o corpo abaixo mantém as duas primeiras.
Response Body
{
"webhook_type": "debt",
"key": "eb859ebe-3a41-49bf-a6c3-d6902039ec00",
"status": "waiting_signature",
"event_datetime": "2024-11-07 23:19:22",
"data": {
"borrower": {
"name": "Nome devedor",
"document_number": "14471835092",
"related_party_key": "28b7fc16-6d1f-467d-9667-62a8c13daea6"
},
"contract": {
"number": "TST0000644710",
"urls": [
"https://storage.googleapis.com/sandbox-doc-api/documents/a2e9c83a-3666-4def-8b27-e96fabb8705c/NOME_DEVEDOR-CCB-TST0000644710-20241107231916.pdf"
],
"signature_information": [
{
"signer_name": "Nome devedor",
"signer_document_number": "14471835092",
"signer_role": "issuer",
"signer_email": null,
"signer_external_key": null,
"signature_url": null
}
]
},
"requester_identifier_key": "eb859ebe-3a41-49bf-a6c3-d6902039ec00",
"iof_charge_method": "financed",
"collaterals": [
{
"absolute_amount": null,
"collateral_constituted": false,
"collateral_data": {
"state": "SP",
"benefit_number": 2052711150,
"reservation_method": "issuing",
"subcorban_document_number": "12123456000101"
},
"collateral_key": "26c7f4f4-51f3-41fa-b880-9691211136aa",
"collateral_type": "social_security",
"created_at": "2024-11-07T23:19:16.413448",
"external_key": null,
"percentage": 1,
"reservation_method": {
"enumerator": "issuing"
},
"updated_at": "2024-11-07T23:19:16.413441"
}
],
"disbursement_options": [
{
"disbursement_date": "2024-11-07",
"contract_fees": [
{
"fee_type": "spread",
"fee_amount": 4.55
},
{
"fee_type": "ted_fee",
"fee_amount": 1.5
}
],
"external_contract_fees": [
{
"fee_type": "spread",
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0
}
],
"contract_fee_amount": 6.05,
"external_contract_fee_amount": 0.0,
"net_external_contract_fee_amount": 0.0,
"assignment_amount": 914.3,
"issue_amount": 909.75,
"cet": "2,0100%",
"annual_cet": "27,0481%",
"base_iof": 16.259002146803677,
"additional_iof": 3.45705,
"total_iof": 19.72,
"total_pre_fixed_amount": 108.6508885851,
"installments": [
{
"additional_costs": [],
"business_due_date": "2025-01-20",
"calendar_days": 74,
"due_date": "2025-01-20",
"due_interest": 0.0,
"due_principal": 909.75,
"fine_amount": null,
"has_interest": true,
"installment_number": 1,
"post_fixed_amount": null,
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{
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{
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{
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],
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}
},
{
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{
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},
{
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}
],
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{
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}
],
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{
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{
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],
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"prefixed_interest_rate": {
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"interest_base": "calendar_days_365"
}
}
]
}
}
Caso a operação não seja assinada ou averbada até a última opção de data de desembolso o parceiro receberá um webhook informando a respeito do cancelamento da operação:
WEBHOOK_TYPE
debtSTATUS
CanceledWebhook Body
{
"key": "<DEBT-KEY>",
"data": {
"cancel_reason": "Operacao cancelada manualmente",
"cancel_reason_enumerator": "manual"
},
"status": "canceled",
"webhook_type": "debt",
"event_datetime": "2022-11-01 03:46:31"
}
Simulando cenários de sucesso e insucesso na averbação em Sandbox:
A simulação de cenários é baseado no primeiro dígito do CPF informado na operação.
11.1. Para CPFs iniciados com o número 1, será retornado uma resposta assíncrona de sucesso através do Webhook.
11.2. Para os demais CPFs, será retornado uma resposta assíncrona de erro, baseado no primeiro dígito do CPF digitado, de acordo com a tabela abaixo.
11.3. Erros com Ação "cancel" receberá um webhook com o resultado final da operação.
| Início do cpf | Enumerador | Descrição | Ação |
|---|---|---|---|
| 2 | invalid_disbursement_account | Invalid disbursemente bank account | cancel |
| 3 | operation_not_allowed_IR | Operation not allowed due to operation deadline greatter than benefit termination | cancel |
Atenção
Todos os CPFs que não tiverem um cenário mapeado para o primeiro dígito, receberão um webhook com um erro padrão de cenário de teste não mapeado.
| Enumerador | Descrição |
|---|---|
| mock_error | Informed document number is not a valid mock on test environment |