Efí Pay (Gerencianet)

Efí Pay Open Finance API

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.

Efí Pay Open Finance API is one of 6 APIs that Efí Pay (Gerencianet) publishes on the APIs.io network, described by a machine-readable OpenAPI specification.

This API exposes 1 machine-runnable capability that can be deployed as REST, MCP, or Agent Skill surfaces via Naftiko.

Tagged areas include Open Finance, Payment Initiation, Pix, Biometric Pix, and Automatic Pix. The published artifact set on APIs.io includes API documentation, an OpenAPI specification, and 1 Naftiko capability spec.

Documentation GitHub OpenAPI

OpenAPI Specification

openapi: 3.0.3
info:
  title: Efí Pay Open Finance API
  description: >-
    Open Finance Brasil payment-initiation API for Efí Pay (formerly Gerencianet).
    Initiate Pix payments across participating banks and fintechs without
    redirecting users out of your app, including immediate, scheduled,
    recurring, biometric, and automatic Pix flows. Requires mTLS, OAuth2
    client_credentials, and x-idempotency-key headers on every request.
  version: "1.0"
  contact:
    name: Efí Pay Developer Support
    url: https://dev.efipay.com.br/docs/open-finance
  license:
    name: Proprietary
servers:
  - url: https://openfinance.api.efipay.com.br/v1
    description: Production
  - url: https://openfinance-h.api.efipay.com.br/v1
    description: Homologation (Sandbox)
security:
  - oauth2OpenFinance: []
tags:
  - name: Authorization
  - name: Participants
  - name: Configuration
  - name: Immediate Pix
  - name: Scheduled Pix
  - name: Recurring Pix
  - name: Biometric Pix
  - name: Automatic Pix
paths:
  /oauth/token:
    post:
      tags: [Authorization]
      summary: Issue Open Finance Token
      operationId: ofAuthorize
      responses: { "200": { description: Token } }
  /participantes/:
    get:
      tags: [Participants]
      summary: List Open Finance Participants
      operationId: ofListParticipants
      responses: { "200": { description: Participants } }
  /config:
    get:
      tags: [Configuration]
      summary: Get Open Finance Config
      operationId: ofConfigDetail
      responses: { "200": { description: Config } }
    put:
      tags: [Configuration]
      summary: Update Open Finance Config
      operationId: ofConfigUpdate
      responses: { "200": { description: Updated } }
  /pagamentos/pix:
    post:
      tags: [Immediate Pix]
      summary: Start Pix Payment
      operationId: ofStartPixPayment
      responses: { "201": { description: Started } }
    get:
      tags: [Immediate Pix]
      summary: List Pix Payments
      operationId: ofListPixPayment
      responses: { "200": { description: Payments } }
  /pagamentos/pix/{identificadorPagamento}/devolver:
    post:
      tags: [Immediate Pix]
      summary: Refund Pix Payment
      operationId: ofDevolutionPix
      parameters: [{ name: identificadorPagamento, in: path, required: true, schema: { type: string } }]
      responses: { "201": { description: Refunded } }
  /pagamentos-agendados/pix:
    post:
      tags: [Scheduled Pix]
      summary: Start Scheduled Pix
      operationId: ofStartSchedulePixPayment
      responses: { "201": { description: Scheduled } }
    get:
      tags: [Scheduled Pix]
      summary: List Scheduled Pix
      operationId: ofListSchedulePixPayment
      responses: { "200": { description: Scheduled list } }
  /pagamentos-agendados/pix/{identificadorPagamento}/cancelar:
    patch:
      tags: [Scheduled Pix]
      summary: Cancel Scheduled Pix
      operationId: ofCancelSchedulePix
      parameters: [{ name: identificadorPagamento, in: path, required: true, schema: { type: string } }]
      responses: { "200": { description: Cancelled } }
  /pagamentos-agendados/pix/{identificadorPagamento}/devolver:
    post:
      tags: [Scheduled Pix]
      summary: Refund Scheduled Pix
      operationId: ofDevolutionSchedulePix
      parameters: [{ name: identificadorPagamento, in: path, required: true, schema: { type: string } }]
      responses: { "201": { description: Refunded } }
  /pagamentos-recorrentes/pix:
    post:
      tags: [Recurring Pix]
      summary: Start Recurring Pix
      operationId: ofStartRecurrencyPixPayment
      responses: { "201": { description: Started } }
    get:
      tags: [Recurring Pix]
      summary: List Recurring Pix
      operationId: ofListRecurrencyPixPayment
      responses: { "200": { description: Recurring Pix } }
  /pagamentos-recorrentes/pix/{identificadorPagamento}/cancelar:
    patch:
      tags: [Recurring Pix]
      summary: Cancel Recurring Pix
      operationId: ofCancelRecurrencyPix
      parameters: [{ name: identificadorPagamento, in: path, required: true, schema: { type: string } }]
      responses: { "200": { description: Cancelled } }
  /pagamentos-recorrentes/pix/{identificadorPagamento}/devolver:
    post:
      tags: [Recurring Pix]
      summary: Refund Recurring Pix
      operationId: ofDevolutionRecurrencyPix
      parameters: [{ name: identificadorPagamento, in: path, required: true, schema: { type: string } }]
      responses: { "201": { description: Refunded } }
  /pagamentos-recorrentes/pix/{identificadorPagamento}/substituir/{endToEndId}:
    patch:
      tags: [Recurring Pix]
      summary: Replace Recurring Pix Parcel
      operationId: ofReplaceRecurrencyPixParcel
      parameters:
        - { name: identificadorPagamento, in: path, required: true, schema: { type: string } }
        - { name: endToEndId, in: path, required: true, schema: { type: string } }
      responses: { "200": { description: Replaced } }
  /pagamentos-biometria/vinculos:
    post:
      tags: [Biometric Pix]
      summary: Create Biometric Enrollment
      operationId: ofCreateBiometricEnrollment
      responses: { "201": { description: Enrollment created } }
    get:
      tags: [Biometric Pix]
      summary: List Biometric Enrollments
      operationId: ofListBiometricEnrollment
      responses: { "200": { description: Enrollments } }
    patch:
      tags: [Biometric Pix]
      summary: Revoke Biometric Enrollment
      operationId: ofRevokeBiometricEnrollment
      responses: { "200": { description: Revoked } }
  /pagamentos-biometria/pix:
    post:
      tags: [Biometric Pix]
      summary: Create Biometric Pix Payment
      operationId: ofCreateBiometricPixPayment
      responses: { "201": { description: Created } }
    get:
      tags: [Biometric Pix]
      summary: List Biometric Pix Payments
      operationId: ofListBiometricPixPayment
      responses: { "200": { description: Payments } }
  /pagamentos-automaticos/adesao:
    post:
      tags: [Automatic Pix]
      summary: Create Automatic Pix Enrollment
      operationId: ofCreateAutomaticEnrollment
      responses: { "201": { description: Enrolled } }
    get:
      tags: [Automatic Pix]
      summary: List Automatic Pix Enrollments
      operationId: ofListAutomaticEnrollment
      responses: { "200": { description: Enrollments } }
    patch:
      tags: [Automatic Pix]
      summary: Update Automatic Pix Enrollment
      operationId: ofUpdateAutomaticEnrollment
      responses: { "200": { description: Updated } }
  /pagamentos-automaticos/pix:
    post:
      tags: [Automatic Pix]
      summary: Create Automatic Pix Payment
      operationId: ofCreateAutomaticPixPayment
      responses: { "201": { description: Created } }
    get:
      tags: [Automatic Pix]
      summary: List Automatic Pix Payments
      operationId: ofListAutomaticPixPayment
      responses: { "200": { description: Payments } }
    patch:
      tags: [Automatic Pix]
      summary: Cancel Automatic Pix Payment
      operationId: ofCancelAutomaticPixPayment
      responses: { "200": { description: Cancelled } }
components:
  securitySchemes:
    oauth2OpenFinance:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://openfinance.api.efipay.com.br/v1/oauth/token
          scopes:
            openfinance.payments.read: Read payment status
            openfinance.payments.write: Initiate payments
  schemas:
    Payment:
      type: object
      properties:
        identificadorPagamento: { type: string }
        endToEndId: { type: string }
        valor: { type: string }
        status: { type: string }
        idempotencyKey: { type: string }

Efí Pay Open Finance API

Documentation

Specifications

Other Resources

OpenAPI Specification