specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Efí
providerId: efi-bank
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Pix
- Boleto
- Banking
- Brazil
- Plans
description: >-
  Efí (formerly Gerencianet) does not sell API access as tiered subscription
  plans. The APIs (Pix, Cobranças, Carnê, Open Finance) are included with an Efí
  digital account and are billed per successful transaction rather than by an API
  plan. Opening the account and generating credentials/certificates is free;
  generating charges and boletos is free; you pay a fee only when a transaction is
  settled. The "plans" below therefore describe the account/transaction model, not
  API rate tiers. All monetary values are in Brazilian Reais (BRL) and are NOT
  reconciled here - verify current tariffs on the Efí tarifas page, as rates and
  free allowances change and can be negotiated by volume.
notes: >-
  Pricing is per-transaction, not per-API-call. Figures reflect publicly
  advertised standard rates as of the review date and are unreconciled. Custom /
  negotiated pricing is available for higher volumes. See finops/ for the FinOps
  view and rate-limits/ for throughput behavior.
sources:
- https://sejaefi.com.br/tarifas
- https://sejaefi.com.br/central-de-ajuda/tarifas-e-prazos
- https://dev.efipay.com.br/docs/api-pix/credenciais
plans:
- id: efi-account
  name: Efí Digital Account (API access included)
  type: free
  description: >-
    Free Efí account that includes API credentials for Pix, Cobranças, Carnê,
    and (for partners) Open Finance. No subscription or API plan fee; generating
    the OAuth2 credentials and the Pix mTLS certificate is free. Revenue is
    earned per settled transaction (see usage plans below).
  entries:
  - label: API Access and Credentials
    name: api_access
    type: flat
    metric: account
    limit: -1
    timeFrame: month
    geo: BR
    unit: 1
    price: free (per-transaction billing applies)
    userMultiplied: false
  elements:
  - name: Pix API
  - name: Cobranças (Charges) API
  - name: Carnê API
  - name: Pix via Open Finance API (partner)
  - name: Sandbox / Homologação Environment
- id: efi-pix-usage
  name: Pix - Per Transaction
  type: usage
  description: >-
    Pix charges (Pix Cob and Pix CobV) received via API are billed as a
    percentage of the transaction. Efí advertises 30 free Pix per month via the
    app for PJ accounts; API-received Pix follow the percentage tariff.
    Percentage is unreconciled - verify on the tarifas page.
  entries:
  - label: Pix Received via API (Cob / CobV)
    name: pix_received
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: BR
    unit: 1
    price: ~1.19% per settled Pix (standard advertised rate; unreconciled)
    userMultiplied: false
  - label: Pix Automático Settlement
    name: pix_automatico
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: BR
    unit: 1
    price: ~R$3.50 per settled automatic Pix (advertised; unreconciled)
    userMultiplied: false
  elements:
  - name: Dynamic QR Code
  - name: Pix Copia e Cola
  - name: Cash-In and Cash-Out
- id: efi-boleto-usage
  name: Boleto / Carnê - Per Settlement
  type: usage
  description: >-
    Boletos and carnê parcels are free to generate; a fixed confirmation fee is
    charged only when a boleto or parcel is actually paid, regardless of the
    amount. Fee is unreconciled - verify on the tarifas page.
  entries:
  - label: Boleto / Carnê Parcel Settlement
    name: boleto_settlement
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: BR
    unit: 1
    price: ~R$3.45 fixed per paid boleto / carnê parcel (advertised; unreconciled)
    userMultiplied: false
  elements:
  - name: Free Boleto Generation
  - name: Bolix (Boleto with Pix)
  - name: Installment Carnês
- id: efi-custom
  name: Negotiated / High Volume
  type: enterprise
  description: >-
    Custom per-transaction rates and free-Pix allowances negotiated for
    high-volume merchants, marketplaces (payment split), and partners using
    account-opening and Open Finance APIs. Contact Efí.
  entries:
  - label: Negotiated Agreement
    name: negotiated
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: BR
    unit: 1
    price: contact Efí
    userMultiplied: false
  elements:
  - name: Volume Pricing
  - name: Payment Split (Marketplace)
  - name: Open Finance Payment Initiation
  - name: Account Opening API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com