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 Pay (Gerencianet)
providerId: gerencianet
created: '2026-05-24'
modified: '2026-05-24'
reconciled: true
tags:
  - Payments
  - Pix
  - Boleto
  - Billing
  - Brazil
description: >-
  Efí Pay is product-priced rather than tiered. Account creation is free; fees
  accrue only on successful settlements. Rates below are the publicly listed
  Brazilian (BRL) prices and are subject to commercial negotiation for
  enterprise volume.
sources:
  - https://sejaefi.com.br/tarifas
  - https://sejaefi.com.br
plans:
  - id: efi-cobrancas-boleto
    name: Boleto / Bolix / Carnê
    type: usage-based
    description: Brazilian bank slip issuance. Charged per paid receipt; issuance and unpaid slips are free.
    entries:
      - label: Paid boleto, Bolix, or carnê parcel
        name: paid_boleto
        type: metered
        metric: receipt
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: R$3.45
        userMultiplied: false
      - label: Receivables advance
        name: antecipacao
        type: metered
        metric: event
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: 4% (cap R$30/batch)
        userMultiplied: false
  - id: efi-cobrancas-card
    name: Credit Card
    type: usage-based
    description: Per-transaction take rate for Brazilian credit-card payments.
    entries:
      - label: À vista
        name: card_avista
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: 3.49%
        userMultiplied: false
      - label: Parcelado 2–6x
        name: card_parc_2_6
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: 3.99%
        userMultiplied: false
      - label: Parcelado 7–12x
        name: card_parc_7_12
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: 4.39%
        userMultiplied: false
      - label: Antecipação de parcelas
        name: card_antec
        type: metered
        metric: installment
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: 1.29% per installment + 3.49%
        userMultiplied: false
  - id: efi-pix
    name: Pix
    type: usage-based
    description: Per-transaction Pix fees. The Efí mobile app includes 30 free incoming Pix per month.
    entries:
      - label: Pix via app (after 30 free)
        name: pix_app
        type: metered
        metric: transaction
        limit: -1
        timeFrame: month
        geo: BR
        unit: 1
        price: 1.19%
        userMultiplied: false
      - label: Pix via API (Cob / Cobv / QR dinâmico)
        name: pix_api
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: 1.19%
        userMultiplied: false
      - label: Pix Automático
        name: pix_automatico
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: R$3.50
        userMultiplied: false
    elements:
      - name: Pix Cash-In and Cash-Out
      - name: Pix Open Finance initiation
      - name: Pix Automático (recurring Pix)
      - name: MED infraction defense
  - id: efi-transfers
    name: Account Transfers
    type: usage-based
    description: Outbound transfers from the Efí account.
    entries:
      - label: Pix transfer
        name: pix_transfer
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: Free
        userMultiplied: false
      - label: TED (same holder, > R$300)
        name: ted_same_holder
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: Free
        userMultiplied: false
      - label: TED (other conditions)
        name: ted_other
        type: metered
        metric: transaction
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: R$5.00
        userMultiplied: false
  - id: efi-cards
    name: Issued Cards
    type: usage-based
    description: Cards issued by Efí Bank to account holders.
    entries:
      - label: Visa Platinum credit card
        name: visa_platinum
        type: metered
        metric: card
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: Free (credit-analysis dependent)
        userMultiplied: false
      - label: Prepaid card
        name: prepaid
        type: metered
        metric: card
        limit: -1
        timeFrame: usage
        geo: BR
        unit: 1
        price: R$19.00 issuance
        userMultiplied: false
notes:
  - Tariffs vary by contract date and commercial negotiation.
  - Sandbox (homologation) usage is free across all APIs.