Consulta - Emissão BNPL

Resumo

Você pode consultar a dívida a qualquer momento para obter informações ou acompanhar o status atual da operação.

Consultar Operação de Crédito

Existem duas formas de consultar uma operação:

• Por credit_operation_key (DEBT-KEY)
• Por requester_identifier_key (chave identificadora enviada na emissão)

Por Credit Operation Key

ENDPOINT

/v2/credit_operation/CREDIT-OPERATION-KEY

MÉTODO

GET

Testar no Playground

Campo	Tipo	Descrição	Caracteres
credit_operation_key*	string	Chave da operação de crédito (DEBT-KEY)	UUID

Por Requester Identifier Key

ENDPOINT

/v2/credit_operation/requester_identifier_key/REQUESTER-IDENTIFIER-KEY

MÉTODO

GET

Campo	Tipo	Descrição	Caracteres
requester_identifier_key*	string	Chave identificadora enviada na emissão	UUID

Response

STATUS

200

Response Body

{
    "credit_operation_key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c",
    "issue_amount": 1007.62,
    "origin_key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c",
    "total_iof": 7.62,
    "assigned_at": null,
    "disbursement_start_date": "2026-04-07",
    "disbursement_end_date": "2026-04-07",
    "issue_date": "2026-04-07",
    "requester_identifier_key": "d1905ef5-19df-4183-bf0e-802b8229933c",
    "installments": [
        {
            "business_due_date": "2026-05-07",
            "due_date": "2026-05-07",
            "calendar_days": 30,
            "due_interest": 0,
            "due_principal": 1007.62,
            "fine_amount": 0,
            "has_interest": true,
            "post_fixed_amount": 0,
            "pre_fixed_amount": 52.4,
            "principal_amortization_amount": 491.49,
            "tax_amount": 1.21,
            "total_amount": 543.89,
            "workdays": 20,
            "accrual_reference_date": null,
            "advanced_paid_amount": 0,
            "bank_slip_key": null,
            "digitable_line": null,
            "installment_key": "1dea396f-beb1-4df3-9822-35800b4c095a",
            "installment_status": "opened",
            "installment_type": "principal",
            "original_due_principal": 1007.62,
            "original_pre_fixed_amount": 52.4,
            "original_principal_amortization_amount": 491.49,
            "paid_amount": 0,
            "original_total_amount": 543.89,
            "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": "2026-04-07T23:59:27",
            "principal_amortization_payment_amount": 0,
            "prefixed_interest_payment_amount": 0
        },
        {
            "business_due_date": "2026-06-08",
            "due_date": "2026-06-07",
            "calendar_days": 31,
            "due_interest": 0,
            "due_principal": 516.1296159,
            "fine_amount": 0,
            "has_interest": true,
            "post_fixed_amount": 0,
            "pre_fixed_amount": 27.76,
            "principal_amortization_amount": 516.13,
            "tax_amount": 2.58,
            "total_amount": 543.89,
            "workdays": 20,
            "accrual_reference_date": null,
            "advanced_paid_amount": 0,
            "bank_slip_key": null,
            "digitable_line": null,
            "installment_key": "370e73d1-55d8-431e-9b22-d08fb8297999",
            "installment_status": "opened",
            "installment_type": "principal",
            "original_due_principal": 516.13,
            "original_pre_fixed_amount": 27.76,
            "original_principal_amortization_amount": 516.13,
            "paid_amount": 0,
            "original_total_amount": 543.89,
            "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": "2026-04-07T23:59:27",
            "principal_amortization_payment_amount": 0,
            "prefixed_interest_payment_amount": 0
        }
    ],
    "first_due_date": "2026-05-07",
    "requester_key": "78287247-947d-4730-9bd1-7efb068175b6",
    "contract_number": "DWF1761222116",
    "credit_operation_status_enumerator": "opened",
    "operation_type_enumerator": "structured_operation",
    "disbursement_date": "2026-04-07",
    "issuer_name": "Dante Ferrarini",
    "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": 5.82,
    "annual_cet": 97.05,
    "final_disbursement_amount": 1000,
    "number_of_installments": 2,
    "disbursement_issue_amount": 1000,
    "prefixed_interest_rate": {
        "annual_rate": 0.8373372409,
        "daily_rate": 0.0016911989,
        "interest_base": {
            "enumerator": "calendar_days",
            "year_days": 360
        },
        "monthly_rate": 0.052
    },
    "fine_configuration": {
        "contract_fine_rate": 0.02,
        "fine_delay_rate": {
            "annual_rate": 0.12682503,
            "daily_rate": 0.00033173,
            "interest_base": {
                "enumerator": "calendar_days",
                "year_days": 360
            },
            "monthly_rate": 0.01
        }
    },
    "attached_documents": [
        {
            "document_key": "d6705fc4-80e0-4c8e-9aff-f3875024e6a4",
            "document_url": "https://storage.googleapis.com/sandbox-doc-api/documents/...",
            "signature_url": "https://storage.googleapis.com/sandbox-doc-api/documents/..._signed.pdf",
            "document_type": "ccb_pre_price_days",
            "signature_required": true,
            "signed": true
        }
    ],
    "related_parties": [
        {
            "related_party_key": "24fac77e-7782-4f72-b31a-daee288e34ed",
            "role_type": "issuer",
            "person_type": "natural",
            "name": "Dante Ferrarini",
            "email": "",
            "individual_document_number": "31057466093"
        }
    ],
    "base_iof": 3.79,
    "additional_iof": 3.83,
    "assignment_amount": 1010.64,
    "created_at": "2026-04-07T23:59:22Z",
    "total_prefixed_amount": 80.16
}

STATUS

400

Response Body

{
    "data": "{\"title\": \"Bad Request\", \"description\": \"Invalid request body.\", \"translation\": \"Corpo da requisição inválido.\", \"extra_fields\": {}, \"code\": \"LEG000069\"}"
}

---

Consultar Eventos da Operação

Você também pode consultar o histórico de eventos (log de status) da operação:

ENDPOINT

/v2/credit_operation/CREDIT-OPERATION-KEY/events

MÉTODO

GET

Testar no Playground

Path Params

Campo	Tipo	Descrição	Caracteres
credit_operation_key*	string	Chave da operação de crédito	UUID

Response

STATUS

200

Response Body

{
    "data": [
        {
            "status": "waiting_signature",
            "reason": null,
            "cancel_reason": null,
            "event_date": "2026-03-13T17:19:59Z"
        },
        {
            "status": "issued",
            "reason": null,
            "cancel_reason": null,
            "event_date": "2026-03-13T17:19:59Z"
        },
        {
            "status": "waiting_disbursement",
            "reason": null,
            "cancel_reason": null,
            "event_date": "2026-03-13T17:19:59Z"
        },
        {
            "status": "opened",
            "reason": null,
            "cancel_reason": null,
            "event_date": "2026-03-13T17:19:59Z"
        }
    ],
    "pagination": {
        "current_page": 1,
        "next_page": null,
        "rows_per_page": 10
    }
}

Enumeradores de Status da Operação

Status	Descrição
waiting_signature	Aguardando assinatura do contrato
issued	Operação emitida
waiting_disbursement	Aguardando desembolso
opened	Operação aberta (desembolso realizado)
canceled	Operação cancelada
settled	Operação liquidada (todas as parcelas pagas)