aid: gerencianet name: Efí Pay (Gerencianet) description: >- Efí Pay (formerly Gerencianet) is a Brazilian fintech and Banco Central-licensed payment institution headquartered in Belo Horizonte, Brazil. It provides a developer-first payments stack covering Pix (instant payments), Boleto / Bolix / Carnê (Brazilian bank slips), credit-card processing, recurring billing (assinaturas + carnês), marketplace splits, programmatic account opening (BaaS), Open Finance payment initiation, bill-payment automation, and CNAB statement extraction. The company rebranded from Gerencianet to Efí Pay / Efí Bank in 2022 and is rated at the top tier by Banco Central for its Pix API. The technical surface is exposed as five distinct REST APIs (Cobranças, Pix, Open Finance, Pagamentos, Contas) with twelve official SDKs plus e-commerce plugins. image: https://efipay.com.br/efi-logo.png url: https://raw.githubusercontent.com/api-evangelist/gerencianet/main/apis.yml created: '2026-05-24' modified: '2026-05-24' specificationVersion: '0.18' tags: - Payments - Pix - Boleto - Subscriptions - Recurring Billing - Marketplace - Split Payments - Open Finance - Banking as a Service - Account Opening - Bill Payment - CNAB - Brazil - Fintech maintainers: - FN: Kin Lane email: info@apievangelist.com url: https://apievangelist.com apis: - aid: gerencianet:efi-cobrancas name: Efí Pay Cobranças API tags: - Cobranças - Boleto - Bolix - Carnê - Credit Card - Subscriptions - Payment Links - Marketplace Split properties: - url: https://dev.efipay.com.br/docs/api-cobrancas/credenciais type: Documentation - url: https://dev.efipay.com.br type: APIReference - url: https://cobrancas.api.efipay.com.br/v1 type: BaseURL - url: https://cobrancas-h.api.efipay.com.br/v1 type: SandboxURL - url: openapi/efi-cobrancas-openapi.yml type: OpenAPI - url: json-schema/efi-cobrancas-charge-schema.json type: JSONSchema - url: json-structure/efi-cobrancas-charge-structure.json type: JSONStructure - url: examples/efi-cobrancas-onestep-example.json type: Example - url: capabilities/cobrancas-billing.yaml type: NaftikoCapability - url: capabilities/subscriptions.yaml type: NaftikoCapability description: >- Brazilian billing API for boletos, Bolix (next-business-day boletos), carnês (installment booklets), payment links, credit cards, subscriptions, and marketplace splits. OAuth2 with HTTP Basic authentication; cobrancas-h.api.efipay.com.br for sandbox. - aid: gerencianet:efi-pix name: Efí Pay Pix API tags: - Pix - Cob - CobV - Cobr - Recurring Pix - Cash Out - Marketplace Split - MED - Reconciliation properties: - url: https://dev.efipay.com.br/docs/api-pix/credenciais type: Documentation - url: https://dev.efipay.com.br/docs/api-pix type: APIReference - url: https://pix.api.efipay.com.br type: BaseURL - url: https://pix-h.api.efipay.com.br type: SandboxURL - url: openapi/efi-pix-openapi.yml type: OpenAPI - url: json-schema/efi-pix-cob-schema.json type: JSONSchema - url: json-schema/efi-pix-pix-received-schema.json type: JSONSchema - url: json-structure/efi-pix-cob-structure.json type: JSONStructure - url: examples/efi-pix-create-cob-example.json type: Example - url: examples/efi-pix-send-example.json type: Example - url: capabilities/pix-cob.yaml type: NaftikoCapability - url: capabilities/pix-cashout.yaml type: NaftikoCapability - url: capabilities/marketplace-split.yaml type: NaftikoCapability description: >- Banco Central Pix API plus Efí Pay extensions (Cash-Out, splits, MED, automatic and recurring Pix, statements, signed PDF receipts, webhooks). OAuth2 client_credentials with mandatory mutual TLS (P12 or PEM certificate) and granular scopes. - aid: gerencianet:efi-openfinance name: Efí Pay Open Finance API tags: - Open Finance - Payment Initiation - Pix - Biometric Pix - Automatic Pix properties: - url: https://dev.efipay.com.br/docs/open-finance type: Documentation - url: https://openfinance.api.efipay.com.br/v1 type: BaseURL - url: https://openfinance-h.api.efipay.com.br/v1 type: SandboxURL - url: openapi/efi-openfinance-openapi.yml type: OpenAPI - url: capabilities/openfinance-initiation.yaml type: NaftikoCapability description: >- Open Finance Brasil payment-initiation flows — initiate, schedule, refund, and recur Pix payments from any participating bank/fintech directly inside your app. Requires mTLS, OAuth2, and a 72-char x-idempotency-key per request. - aid: gerencianet:efi-contas name: Efí Pay Contas (Account Opening) API tags: - Account Opening - Banking as a Service - KYC - Conta-Simplificada properties: - url: https://dev.efipay.com.br/docs/abertura-de-contas type: Documentation - url: https://abrircontas.api.efipay.com.br/v1 type: BaseURL - url: https://abrircontas-h.api.efipay.com.br/v1 type: SandboxURL - url: openapi/efi-contas-openapi.yml type: OpenAPI - url: capabilities/account-opening.yaml type: NaftikoCapability description: >- Open Brazilian conta-simplificada accounts programmatically for end-customers, generate per-account P12 certificates, retrieve generated API credentials, and listen for account lifecycle events. - aid: gerencianet:efi-pagamentos name: Efí Pay Pagamentos (Bill Payment) API tags: - Bill Payment - Boleto - Pagar Contas properties: - url: https://dev.efipay.com.br/docs/api-pagamentos type: Documentation - url: https://pagarcontas.api.efipay.com.br/v1 type: BaseURL - url: https://pagarcontas-h.api.efipay.com.br/v1 type: SandboxURL - url: openapi/efi-pagamentos-openapi.yml type: OpenAPI - url: capabilities/bill-payment.yaml type: NaftikoCapability description: >- Decode a Brazilian boleto or utility-bill barcode (linha digitável) and schedule its payment from the Efí account balance, then track payment status through completion. - aid: gerencianet:efi-extratos name: Efí Pay Extratos (Statements) API tags: - Statements - CNAB - Reconciliation - SFTP properties: - url: https://dev.efipay.com.br/docs/extrato-cnab type: Documentation - url: https://extratos.api.efipay.com.br/v1 type: BaseURL - url: https://extratos-h.api.efipay.com.br/v1 type: SandboxURL - url: openapi/efi-extratos-openapi.yml type: OpenAPI - url: capabilities/statements.yaml type: NaftikoCapability description: >- Recurring CNAB (Brazilian banking text-file) statement extraction. Schedule jobs, list/download generated files, and provision SFTP keys for automated pickup. common: - url: https://sejaefi.com.br type: Portal - url: https://dev.efipay.com.br type: GettingStarted - url: https://app.efipay.com.br type: Console - url: https://sejaefi.com.br/cadastro type: SignUp - url: https://sejaefi.com.br/tarifas type: Pricing - url: https://sejaefi.com.br/termos-e-contratos type: TermsOfService - url: https://sejaefi.com.br/termos-e-contratos/politica-de-privacidade type: PrivacyPolicy - url: https://sejaefi.com.br/blog type: Blog - url: https://status.sejaefi.com.br type: StatusPage - url: https://sejaefi.com.br/central-de-ajuda type: Support - url: https://sejaefi.com.br/central-de-ajuda type: FAQ - url: https://github.com/efipay type: GitHubOrganization - url: https://discord.gg/efipay type: Discord - url: https://github.com/efipay/sdk-php-apis-efi type: SDK name: PHP SDK - url: https://github.com/efipay/sdk-node-apis-efi type: SDK name: Node.js SDK - url: https://github.com/efipay/sdk-python-apis-efi type: SDK name: Python SDK - url: https://github.com/efipay/sdk-java-apis-efi type: SDK name: Java SDK - url: https://github.com/efipay/sdk-go-apis-efi type: SDK name: Go SDK - url: https://github.com/efipay/sdk-ruby-apis-efi type: SDK name: Ruby SDK - url: https://github.com/efipay/sdk-dotnet-apis-efi type: SDK name: .NET SDK - url: https://github.com/efipay/sdk-typescript-apis-efi type: SDK name: TypeScript SDK - url: https://github.com/efipay/sdk-dart-apis-efi type: SDK name: Dart/Flutter SDK - url: https://github.com/efipay/sdk-delphi-apis-efi type: SDK name: Delphi SDK - url: https://github.com/efipay/Plugin-Wordpress-Efi type: Plugin name: WordPress / WooCommerce Plugin - url: https://github.com/efipay/Plugin-Magento2-Efi type: Plugin name: Magento 2 Plugin - url: https://github.com/efipay/prestashop-efi-module type: Plugin name: PrestaShop Module - url: https://github.com/efipay/opencart-efi-module type: Plugin name: OpenCart Module - url: https://github.com/efipay/whmcs-efi-module type: Plugin name: WHMCS Module - url: https://github.com/efipay/n8n-nodes-efibank type: Tool name: n8n Custom Node - url: https://github.com/efipay/mcp-server-efi-bank type: Tool name: MCP Server (Model Context Protocol) - url: https://github.com/efipay/js-payment-token-efi type: Tool name: Browser Card Tokenization Library - url: https://github.com/efipay/conversor-p12-efi type: Tool name: P12 to PEM Certificate Converter - url: https://github.com/efipay/mtls-webhook type: Tool name: mTLS Webhook Proxy (Nginx) - url: plans/gerencianet-plans-pricing.yml type: Plans - url: rate-limits/gerencianet-rate-limits.yml type: RateLimits - url: finops/gerencianet-finops.yml type: FinOps - url: rules/efi-rules.yml type: SpectralRules - url: vocabulary/gerencianet-vocabulary.yml type: Vocabulary - url: json-ld/gerencianet-context.jsonld type: JSON-LD - type: Features data: - name: Pix API (Banco Central rated tier-1) description: Cash-in / cash-out / immediate (cob) / due (cobv) / automatic (cobr) / recurring (rec) Pix flows. - name: Boleto and Bolix description: Brazilian bank slips with optional next-business-day settlement (Bolix). - name: Carnê description: Installment booklets — a single charge that emits a series of dated boletos. - name: Credit-Card Processing description: Card transactions with installments up to 12x and antecipação. - name: Subscriptions and Plans description: Recurring billing via the Cobranças API. - name: Payment Links description: Shareable payment URLs requiring no merchant site. - name: Marketplace Splits description: Automatic distribution of received funds across multiple Efí accounts. - name: Open Finance Payment Initiation description: Initiate Pix payments from any participating Brazilian bank/fintech. - name: Programmatic Account Opening description: Conta-simplificada accounts opened via API with auto-generated certificates and credentials. - name: Bill Payment Automation description: Decode boleto barcodes and pay them from the account balance. - name: CNAB Statement Extraction description: Scheduled CNAB statement files retrievable via API or SFTP. - name: MED Infraction Defense description: Submit defenses for Pix infraction notices via /v2/gn/infracoes. - name: Webhooks With Optional mTLS Skip description: Configurable Pix, recurring, and automatic-charge webhook delivery with replay endpoint. - type: UseCases data: - name: Brazilian E-Commerce Checkout description: Accept boleto, Pix QR Code, and credit card via a single transparent checkout. - name: SaaS Subscription Billing description: Charge recurring fees via plan + subscription on boleto or card. - name: Marketplace Disbursement description: Split incoming Pix and boleto payments across multiple sellers. - name: White-Label BaaS / Sub-Account Onboarding description: Open conta-simplificada accounts for partners and issue per-account credentials. - name: AP Automation description: Pay supplier boletos via /codBarras and Pix Cash-Out via /v3/gn/pix. - name: Treasury Reconciliation description: Pull daily CNAB statements + Pix reconciliation reports. - name: AI Agent Payments description: Use the official MCP server (efipay/mcp-server-efi-bank) to expose Pix/billing as LLM tools. - type: Integrations data: - name: WordPress / WooCommerce description: Official plugin for WooCommerce checkout. - name: Magento 2 description: Official Magento 2 plugin. - name: PrestaShop description: Official PrestaShop module. - name: OpenCart description: Official OpenCart module. - name: WHMCS description: Official WHMCS billing plugin. - name: n8n description: Community/official n8n custom node (efipay/n8n-nodes-efibank). - name: Model Context Protocol description: Official MCP server exposing Efí Pay APIs to LLM agents. - name: Banco Central do Brasil description: Pix and Open Finance flows implement the BCB normative specifications. - type: Solutions data: - name: Efí Pro description: Account for self-employed individuals (no CNPJ required). - name: Efí Empresas description: Digital business account for registered companies. - name: Efí Bank description: Banco-rated institution providing Visa Platinum credit card and prepaid card issuance.