{"activeVersionTag":"latest","latestAvailableVersionTag":"latest","collection":{"info":{"_postman_id":"b4802d14-999c-408a-bda2-04e7a34582f5","name":"Payments API","description":"The **Payments API** provides the core resources for executing financial operations within the Bity ecosystem. It is designed to simplify the integration of payments, transfers, and trading operations while ensuring speed, security, and cost efficiency.\n\nA key feature is the ability to manage both the **master account** and its associated **subaccounts**, enabling greater control, flexibility, and centralized governance of financial operations.\n\n#### Current modules include:\n\n- **Subaccounts** – Endpoints for creating, managing, and transferring funds between subaccounts, thus obtaining all the user's sub-account information. It also supports status management (active, blocked, canceled) and operational flags for enhanced governance.\n    \n- **Exchange/FX** – Endpoints for retrieving real-time market quotes (`Get Order Quote`), executing trading orders (`Execute Order Quote`), and tracking operations through `Transactions (all transactions)` and `Get Transaction (specific transaction)`.\n    \n- **Wallet** – Endpoints for querying balances (`Balance`) and managing withdrawals (`Withdrawal`).\n    \n- **OnRamp** – Endpoints for managing wallet funding operations, including creating funding requests, generating Quote Payments, generating QR codes, performing Settlements, querying deposit status, and validating incoming transfers. _**Note**__**__**__:_ _**Settlement**_ _**QRCode**_ _is used for closing operations between accounts, while_ _**Deposit**_ _**QRCode**_ _is intended for incoming deposits._\n    \n- **OffRamp** – Endpoints to manage fiat off-ramp flows, including **creating** **and** **retrieving** **beneficiaries**, **initiating payments**, **estimating off-ramp costs via quotes**, **and accessing compliance reports** (`IN1888 Report`). Supports attaching or referencing documents (typically invoices) as proof of transaction purpose, which is required for regulatory and operational approval before releasing funds to the beneficiary.\n    \n- **Webhooks** – Endpoints for setting up webhook integrations to receive real-time updates on payments and account events.\n    \n\n---\n\n# Environments (Sandbox & Production)\n\n## **1\\. How it works**\n\n---\n\n### **Sandbox API**\n\nThe **Sandbox API** allows you to **test your implementation before going live** using fictitious currency and simulated operations.\n\nIt mirrors the behavior of the production environment, enabling you to validate the entire flow before going live.\n\nTo use the Sandbox environment, simply change the API base URL:\n\n``` properties\nhttps://api-sandbox.bitpreco.com/v1\n\n ```\n\nAll endpoints and request formats remain exactly the same — only the base URL changes.\n\n---\n\n### **Production API**\n\nThe **Production API** is the live environment where **real operations and real balances are processed**.\n\nThen, you can switch the environment to Production by updating the base URL:\n\n``` properties\nhttps://api.bitpreco.com/v1\n\n ```\n\nAs in Sandbox, the endpoints and request formats are identical.\n\n---\n\n## **2\\. Creating a Account**\n\n---\n\n### **Sandbox Account**\n\nTo create a Sandbox account:\n\n1. Register at:  \n    [<b>https://sandbox.bity.com.br/register</b>](https://sandbox.bity.com.br/register)\n    \n2. Log in and go to:  \n    [<b>https://market-staging.bitypreco.com/</b>](https://market-staging.bitypreco.com/)\n    \n3. After requesting API access, you may contact our team to expedite approval:\n    \n    - 📧 [<b>suporte@bitpreco.com</b>](https://null)\n        \n    - 💬 **Intercom chat** (available inside all Bity platforms)\n        \n    - Navigate to:  \n        **Account Settings → Security → Request API** to obtain your staging API credentials.\n        \n    - For assistance or account approval:\n        \n        - 📧 [<b>suporte@bitpreco.com</b>](https://null)\n            \n        - 💬 **Intercom chat**\n            \n\n**Note:** Sandbox data and credentials are completely separated from Production.\n\n---\n\n### **Production Account**\n\nTo create a Production (live) account:\n\n1. Register at:  \n    [<b>https://www.bity.com.br/register/</b>](https://www.bity.com.br/register/)\n    \n2. Log in at:  \n    [<b>https://market.bitypreco.com/login/</b>](https://market.bitypreco.com/login)\n    \n3. Navigate to:  \n    **Account Settings → Security → Request API** to obtain your production API credentials.\n    \n4. For assistance or account approval:\n    \n    - 📧 [<b>suporte@bitpreco.com</b>](https://null)\n        \n    - 💬 **Intercom chat**\n        \n\n> **Important**: Production credentials and Sandbox credentials are not interchangeable. \n  \n\n---\n\n## **3\\. API Access Endpoints**\n\nAll communication with the endpoints is encrypted using **SSL** to ensure security.\n\n**Rate Limit (Payments API):**  \nThe Payments API allows a maximum of **60 requests per minute**, including all endpoints within this module. Exceeding this limit may result in temporary throttling of requests, so it’s recommended to implement proper request handling and retries to avoid interruptions.\n\n> **Important:**  \n1\\. Use the appropriate path for each operation.  \n2\\. Always provide your **auth_token** in the **auth_token parameter** of the request. \n  \n\nThe API structure, endpoints, and request formats are identical in both environments and only the **base URL** changes.\n\n---\n\n### **Base URLs:**\n\n### **Sandbox**\n\n``` properties\nhttps://api-sandbox.bitpreco.com/v1\n\n ```\n\n---\n\n### **Production**\n\n``` properties\nhttps://api.bitpreco.com/v1\n\n ```\n\nUse the appropriate base URL depending on your environment.\n\n---\n\n## **4\\. Authentication**\n\n- All requests must use the **POST method** and include the parameter **`auth_token`**.\n    \n- The `auth_token` is generated by **concatenating your signature and API key**, which can be requested directly from the BitPreço platform.\n    \n\nExample of credentials received by email:\n\n``` properties\nsignature = \"ABg3MTIxOTY………………..tRQXYvWkIxRlAvSlRSV\"\napi_key   = \"ApVdlRUCddOd3p0…………..IcUcxZWJpclRpSEpWSQ\"\n\n ```\n\nYour access token is then:\n\n``` properties\nauth_token = signature + api_key  // concatenated strings\n\n ```\n\n**Important:** Always keep your signature and API key secure. Do **not** share them publicly.\n\n---\n\n## **5\\. How to Obtain an Auth Token**\n\nTo access the **Sandbox API or Production API**, you need an **auth token**. After registering your account, follow these steps:\n\n- Log in at:\n    \n    - **Staging:** [https://market-sandbox.bitypreco.com/login](https://market-sandbox.bitypreco.com/login?utm_source=chatgpt.com)\n        \n    - **Production:** [https://market.bitypreco.com/login](https://market-sandbox.bitypreco.com/login?utm_source=chatgpt.com)\n        \n- Click on your name and icon in the top-right corner of the page and select **“Conta” (Account)**.\n    \n- Go to the **Security** tab.\n    \n- Click the **“Request API”** button to generate your credentials.\n    \n\n**Important:**\n\n- You must have a valid email associated with your account, as the API credentials will be sent to this email.\n    \n- Once you receive your `auth_token`, use it in the **`auth_token`** **parameter** of all API endpoints that require authentication.\n    \n\n**Note:** The `auth_token` is valid only for a limited time and must be refreshed after expiration.\n\n**Note:** This collection will continue to expand, incorporating new endpoints and features, including enhancements to the subaccounts workflow.\n\n---\n\n# API Error Codes (Centralized)\n\nBelow is the complete centralized map of error codes used across the API, with English translations for client reference.\n\n### Standard Operating Procedure (SOP):\n\n- In case of a timeout during a request, always verify whether the operation was successfully completed by checking the `external_id`.\n    \n- If the request returns **false** (meaning was falied), you can safely retry.\n    \n- If the request returns **true** (meaning the operation was created successfully), do **not** retry the request to avoid creating duplicates.\n    \n\n``` markdown\n/common:\nINVALID_TOKEN – Invalid token\nINVALID_TOKEN_OR_PRIVILEGES – Invalid token or insufficient privileges\nINVALID_DATA – Some provided data is invalid\nMISSING_DATA – Required parameter is missing\nUSER_NOT_FOUND – User not found\nHTTP_ERROR – HTTP request error\nINVALID_OTP – Invalid OTP\nERROR_ACCESSING_DB – Error accessing database\nMUST_UPDATE_APP_VERSION – App version must be updated\nINVALID_TRANS_ID – Invalid transaction ID\nINVALID_CURRENCY – Invalid currency\nBELOW_MIN_AMOUNT – Below minimum amount\nEXTERNAL_ID_NOT_FOUND – The provided external_id does not exist\nEXTERNAL_ID_ALREADY_USED –The provided external_id is already associated with another resource \n/------------------------------------------------------------------/\n/get_subacc_token:\nMISSING_MAIN_TOKEN_AUTH – Missing main account token\nMISSING_SUBACC_ID – Subaccount ID not provided\nERROR_CREATING_API_TOKEN – Internal error while creating/updating subaccount API token\n/------------------------------------------------------------------/\n/get_related_accounts:\nUSER_NOT_FOUND – User not found\n/------------------------------------------------------------------/\n/subacc_create:\nINVALID_SUBACC_CONF – Invalid subaccount configuration\nCANT_CREATE_SUBACC – User not allowed to create subaccount\nWAIT_TO_CREATE_NEW_SUBACC – Wait before creating a new subaccount\nINSECURE_EMAIL_PROVIDER – Insecure email provider\nUNSUPPORTED_EMAIL_PROVIDER – Unsupported email provider\nINVALID_EMAIL_FORMAT – Invalid email format\nERROR_CREATING_NEW_USER – Error creating new user\nREPROVED_TAXID - The tax ID was rejected during validation.\nUSER_IS_SANCTIONED - The user is sanctioned and cannot create an account.\nINVALID_TAXID_STATUS - The tax ID returned an unknown validation status.\nEMAIL_ALREADY_USED - The provided email is already in use.\nINVALID_STATE_CODE - Invalid state (UF) code provided.\nINVALID_POSTAL_CODE - Invalid postal code format.\nMEI_IS_NOT_ACCEPTED - MEI (Micro-entrepreneur) registrations are not accepted.\nBIRTH_MISMATCH - The birthdate does not match official records.\nTOO_YOUNG - The user does not meet the minimum age requirement.\nINVALID_BIRTHDAY - Invalid birthday format or invalid birthday value.\nINVALID_COMPANY_TAXID - The company tax ID provided is invalid.\nMISSING_COMPANY_DIRECTOR - Missing validated tax ID for the company director.\nINVALID_TAXID_FORMAT - The tax ID does not match expected numeric format.\nDIRECTOR_MUST_HAVE_VALIDATED_ACCOUNT - The company director must have a validated account.\nERROR_CREATING_DIRECTOR_METAMAP_ID - Error while creating the director’s MetaMap identity.\nNOT_SUPPORTED_TAXID - The provided tax ID type or format is not supported.\nINVALID_PERSONAL_TAXID - The personal tax ID is invalid.\nTAXID_ALREADY_REGISTERED - The tax ID is already associated with another account.\n/------------------------------------------------------------------/\n/subaccount_transfer:\nINVALID_TYPE – Invalid account type\nTOKEN_OWNER_MUST_BE_FROM_OR_TO – Token owner must be sender or receiver\nTOKEN_OWNER_MUST_BE_MAIN_ACCOUNT – Token owner must be the main account\nINTERNAL_TRANSFERS_NOT_ALLOWED – Internal transfers not allowed\nFROM_AND_TO_MUST_DIFFERS – Sender and receiver must differ\nINVALID_AMOUNT – Invalid amount\nEMPTY_USER_ID – Empty user ID\nINSUFFICIENT_FUNDS_TO_TRANSFER – Insufficient funds\nDIRECT_TRANSFER_ERROR – Direct transfer error \n/------------------------------------------------------------------/\n/subacc_change_status:\nINVALID_STATUS – Invalid status\nINVALID_SUBACC_ID – Invalid subaccount ID\nNOT_SUBACC_OF_MAIN – Not a subaccount of the main account\nMAIN_ACCOUNT_CANT_CHANGE_STATUS – Main account cannot change status\nEMPTY_OBSERVATION – Observation field empty\nONLY_PENDING_CAN_BE_REPROVED – Only pending status can be rejected\nUSER_HAS_OPEN_CONTRACTS – User has open contracts\nERROR_CANCELING_ALL_CARDS – Error canceling cards\nERROR_CANCELING_CELCOIN_ACCOUNT – Error canceling Celcoin account\n/------------------------------------------------------------------/\n/get_quote:\nNOT_ACTIVE_USER – User not active\nINVALID_MARKET – Invalid market\nMARKET_TEMPORARY_DISABLE – Market temporarily disabled\nERROR_STORING_RFQ_QUOTE – Error storing RFQ quote\nINVALID_OPERATION_TYPE – Invalid operation type\nINVALID_TAG – Invalid tag\nINVALID_OBS – Invalid observation\nBELOW_MINIMUM_AMOUNT – Below minimum amount\nBELOW_MINIMUM_VOLUME – Below minimum volume\nABOVE_MAX_AMOUNT – Above maximum amount\nPRICE_TOO_LOW – Price too low\nINVALID_PRICE – Invalid price\nINVALID_AMOUNT – Invalid amount\nFORBIDEN_MARKET – Forbidden market\nCANT_PROGRAM_BUY_ORDER – Cannot schedule buy order\nCANT_PROGRAM_MARKET_ORDER – Cannot schedule market order\nINVALID_PRICE_OR_AMOUNT_FORMAT – Invalid price/amount format\n/------------------------------------------------------------------/\n/execute_quote:\nQUOTE_EXPIRED_OR_NOT_FOUND – Quote expired or not found\nNOT_QUOTE_OWNER – Not the quote owner\nAMOUNT_BIGGER_THAN_QUOTED – Amount exceeds quoted value\nINVALID_AMOUNT – Invalid amount\nNOT_ENOUGH_USER_BALANCE – Insufficient user balance\nRFQ_ACCOUNT_NOT_FOUND – RFQ account not found\nERROR_EXECUTING_QUOTE – Error executing quote\nQUOTE_EXPIRED – Quote expired\nANNULATED_QUOTE – Quote annulled\nBELOW_MINIMUM_AMOUNT – Below minimum amount\nEXTERNAL_RFQ_BALANCE_UNAVAILABLE – External RFQ balance unavailable\nINSUFFICIENT_EXTERNAL_RFQ_BRL_BALANCE – Insufficient external BRL RFQ balance \n/------------------------------------------------------------------/\n/order_status:\nORDERID_NOT_FOUND - No order found for the given order_id\nNOT_ORDER_OWNER - Order exists but belongs to a different user\nEXTERNAL_ID_NOT_FOUND - No order found matching the external_id for that user\n/------------------------------------------------------------------/\n/transactions:\nINVALID_TIMESTAMPS – Invalid timestamps\nEMPTY_CURRENCY_DETECTED – Empty currency detected\n/------------------------------------------------------------------/\n/transaction_status:\nTRANSACTION_NOT_FOUND – Transaction not found\n/------------------------------------------------------------------/\n/withdrawal:\nBLOCKCHAIN_DISABLED – Blockchain disabled\nINVALID_ADDRESS – Invalid address\nMISSING_BLOCKCHAIN – Blockchain not provided\nBLOCKCHAIN_OR_CURRENCY_NOT_SUPORTED – Unsupported blockchain or currency\nABOVE_MAX_WITHDRAWAL_AMOUNT – Above max withdrawal amount\nEMPTY_ADDRESS - The address field was submitted empty\nPIX_TAXID_DIFFERS – Sender and receiver CPF/CNPJ differ\nINVALID_BANK_ADDRESS – Invalid bank address\nBANK_NUMBER_NOT_FOUND – Bank number not found\nUSER_CANNOT_USE_THIS_FEATURE – User cannot use this feature\nOTP_MUST_BE_ACTIVATED – OTP must be activated\nNOT_WHITELISTED_ADDR - The destination address is not on the user’s approved whitelist\nERROR_REQUESTING_WITHDRAWAL - A system error occurred while processing the withdrawal request.\nWITHDRAWAL_BIGGER_THAN_LIMITS – Withdrawal exceeds limits\nNO_WITHDRAWAL_PRE_APPROVED_USER – Pre-approved user cannot withdraw\nINVALID_ISPB – Invalid ISPB code\nPIX_NOT_FOUND – PIX key not found\nFREE_AMOUNT_SMALLER_THEN_DEBT – Free amount smaller than debt\nINVALID_WITHDRAWAL_TOKEN – Invalid withdrawal token\nINVALID_TRANS_TYPE – Invalid transaction type\nWITHDRAWAL_NOT_ALLOWED - Withdrawals are not allowed for this account or configuration\nTRANSACTION_HAS_CHANGED – Transaction has changed\nMISSING_WITHDRAWAL_PROOF – Missing withdrawal proof\nNO_FUNDS_OR_LIMIT – No funds or insufficient limit\nINVALID_USER_STATUS – Invalid user status\nNOT_ENOUGH_LOCKED_FUNDS – Insufficient locked funds\nALREADY_COMPLETED – Withdrawal already completed\nINVALID_TRANS_STATUS – Invalid transaction status\n/------------------------------------------------------------------/\n/get_settlement:\nBALANCE_NOT_FOUND = Balance not found\nNO_AMOUNT_PENDING_SETTLEMENT = No amount pending settlement\nERROR_GETTING_PIX_KEY = Error retrieving PIX key\n/------------------------------------------------------------------/\n/deposit_qrcode:\nBALANCE_NOT_FOUND = Balance not found\nERROR_GETTING_PIX_KEY = Error retrieving PIX key\nERROR_CREATING_QRCODE = Error creating PIX QR Code\n/------------------------------------------------------------------/\n/quote_to_payment:\n(Route not implemented)\n/------------------------------------------------------------------/\n/pix_get_keys:\nINVALID_TOKEN_OR_ID = Invalid token or ID\nERROR_PIX_GET_KEYS = Error retrieving PIX keys\nERROR_PIX_GET_STATIC_QRCODES = Error retrieving static PIX QR Codes\n/------------------------------------------------------------------/\n/pix_create_key:\nUSER_CANNOT_USE_THIS_FEATURE = User cannot use this feature\nINVALID_VALIDATION_TOKEN = Invalid validation token\nERROR_PIX_CREATE_KEY = Error creating PIX key\nINVALID_MAIN_ACCOUNT = Invalid main account\nMAIN_ACCOUNT_HAS_NO_PIX_KEY = Main account has no PIX key\nERROR_CREATING_QRCODE = Error creating QR Code\n/------------------------------------------------------------------/\n/offramp_create_beneficiary:\n(Route not implemented)\n/------------------------------------------------------------------/\n/offramp_get_beneficiary:\n(Route not implemented)\n/------------------------------------------------------------------/\n/offramp_beneficiary_list:\nINVALID_PRIVILEGES = Invalid privileges\nMISSING_CUSTOMER_ID = Customer ID not provided\nHTTP_ERROR = HTTP request error\n/------------------------------------------------------------------/\n/offramp_payment:\nINVALID_OFFRAMP_QUOTE_ID = Invalid off-ramp quote ID\nERROR_CREATING_TRANSACTION = Error creating transaction\nERROR_UPDATING_TRANSACTION_ORDER_ID = Error updating transaction order ID\nERROR_CREATING_PLANETRAMP_TRANSACTION = Error creating PlanetRamp transaction\nERROR_UPDATING_TRANSACTION_TXID = Error updating transaction TXID\nERROR_FETCHING_TRANSACTION_AFTER_CREATION = Error fetching transaction after creation\nERROR_EXECUTING_RFQ_QUOTE = Error executing RFQ quote\n/------------------------------------------------------------------/\n/offramp_quote:\nMISSING_SOURCE_OR_TARGET_AMOUNT = Source or target amount not provided\nBOTH_SOURCE_AND_TARGET_AMOUNT_PROVIDED = Send only source amount or target amount (not both)\nERROR_GETTING_CUSTOMER_PAYMENT_METHOD = Error retrieving customer payment method\nERROR_GETTING_BENEFICIARY_PAYMENT_METHOD = Error retrieving beneficiary payment method\nERROR_GETTING_OFFRAMP_QUOTE = Error retrieving off-ramp quote\nERROR_GETTING_RFQ_QUOTE = Error retrieving RFQ quote \n/------------------------------------------------------------------/\n/offramp_document:\nINVALID_DATA_FORMAT = Invalid data format\nUNSUPPORTED_FILE_TYPE = Unsupported file type\n/------------------------------------------------------------------/\n/get_offramp_in1888:\n(Route not implemented)\n/------------------------------------------------------------------/\n/set_webhook:\nMISSING_URL_PARAM = URL parameter not provided\nREQUEST_FAILED = Request failed\nINVALID_RESPONSE = Invalid response\n/------------------------------------------------------------------/\n/get_webhook_config:\nREQUEST_FAILED = Request failed\nINVALID_RESPONSE = Invalid response\n\n ```\n\nStructure of error json\n\n---\n\n# Special Characters Restrictions - Payments API\n\n## Encoding Standard\n\nAll string fields in the Payments API use the **UTF-8** encoding standard.\n\n---\n\n## Prohibited Characters\n\nThe following special characters are **not permitted** in string-type fields in any of the Payments API endpoints:\n\n| Character | Symbol |\n| --- | --- |\n| Forward Slash | **/** |\n| Backslash | **\\\\** |\n| Asterisk | \\* |\n| Opening Parenthesis | **(** |\n| Closing Parenthesis | **)** |\n| Percent Sign | **%** |\n| Semicolon | **;** |\n| Double Hyphen | **\\--** |\n| Hash/Pound | **#** 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