specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Efí
providerId: efi-bank
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Pix
- Boleto
- Brazil
- Financial Infrastructure
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Efí (formerly Gerencianet) spend. Unlike a SaaS API where you
  pay per API call or per seat, Efí is a payment institution: its APIs are free to
  call, and cost is incurred PER SETTLED TRANSACTION. The dominant cost drivers
  are (1) Pix received via API, billed as a percentage of the transaction (~1.19%
  advertised standard), (2) boletos and carnê parcels, billed a fixed confirmation
  fee only when paid (~R$3.45 advertised), and (3) Pix Automático settlements
  (~R$3.50 advertised). Generating charges, opening the account, and holding
  credentials cost nothing. All amounts are in BRL and are unreconciled - these
  are per-transaction payment tariffs, not cloud/API metering, and they vary by
  negotiated volume.
notes: >-
  Per-unit rates here are advertised standard tariffs and are NOT reconciled;
  verify on https://sejaefi.com.br/tarifas. Because billing is per financial
  transaction, cost scales with settled payment volume and mix (Pix % vs. fixed
  boleto fee), so the FinOps focus is transaction-mix optimization rather than
  request-rate optimization.
sources:
- https://sejaefi.com.br/tarifas
- https://sejaefi.com.br/central-de-ajuda/tarifas-e-prazos
- https://dev.efipay.com.br
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Efí
serviceCategory: Financial Services and Payments
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per Transaction
  billingCurrency: BRL
  chargeCategories:
  - Usage
  - Purchase
focusColumns:
  ServiceName: Efí Payments APIs
  ServiceCategory: Financial Services and Payments
  ProviderName: Efí
  PublisherName: Efí
  InvoiceIssuerName: Efí (Instituição de Pagamento)
  BillingCurrency: BRL
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: pix_received
  description: Pix received via API (Cob / CobV), billed as a percentage of the transaction value (~1.19% advertised; unreconciled).
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - pix_key
- name: boleto_settled
  description: Boletos and carnê parcels actually paid, each billed a fixed confirmation fee (~R$3.45 advertised; unreconciled). Generation is free.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - charge_type
- name: pix_automatico_settled
  description: Automatic Pix settlements, billed a fixed fee per liquidated Pix (~R$3.50 advertised; unreconciled).
  unit: transactions
  aggregation: sum
  dimensions:
  - account
- name: open_finance_initiation
  description: Pix payments initiated via Open Finance as a payment initiator; pricing negotiated per partner.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - participant
principles:
- name: Visibility
  description: Track settled-transaction counts and value per Pix key and charge type; reconcile the percentage Pix fee and fixed boleto fee against the tarifas page monthly.
- name: Allocation
  description: Use per-charge custom_id / notification metadata and distinct Pix keys to map transaction fees to products, teams, or marketplace sellers (payment split).
- name: Optimization
  description: Steer customers toward the lowest-fee settled instrument for each amount - a percentage Pix fee is cheaper on small tickets while a fixed boleto fee is cheaper on large tickets; use the 30 free monthly Pix allowance; avoid generating charges that will not be paid since only settlements are billed.
- name: Accountability
  description: Assign an owner per Efí account / sub-merchant; review monthly settled volume and fee mix against negotiated-rate thresholds and renegotiate at higher volume.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com