Banco Inter Brazilian Digital Banking and PIX API
Banco Inter Brazilian digital banking and PIX payment REST API for Brazilian businesses, fintech developers, and marketplace operators to integrate PIX instant payments, boleto generation, account management, pix cobranças (PIX billing), and banking-as-a-service capabilities — enabling Brazilian merchant payment acceptance, PIX QR code generation, boleto barcode issuance, account statement retrieval, and business banking automation through Banco Inter's open banking developer platform. Enables AI agents to manage PIX cobranças for Brazilian instant billing automation, handle boleto for Brazilian payment slip generation automation, access account statement for Brazilian banking reconciliation automation, retrieve PIX keys for payment address management automation, manage webhook for Brazilian payment event notification automation, handle extrato for account statement reporting automation, access TED for bank wire transfer automation, retrieve Open Finance for Brazilian financial data integration automation, manage cartão for Banco Inter card management automation, and integrate Banco Inter with Brazilian e-commerce, SaaS, and financial platforms for digital banking automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Brazilian digital bank. BACEN, LGPD, Open Finance. OAuth2 + mTLS. Brazil. Business banking and PIX payment data.
⚡ Reliability
Best When
A Brazilian business, fintech developer, or marketplace wanting AI agents to generate PIX billing, issue boletos, retrieve account data, and integrate Banco Inter's banking capabilities through their well-documented developer API.
Avoid When
BACEN AND OPEN FINANCE REGULATIONS: Banco Inter operates under BACEN regulations and Brazil's Open Finance framework; automated non-compliant payment implementation creates regulatory violation; automated must comply with BACEN PIX and Open Finance Brazil requirements. OAUTH2 WITH MTLS REQUIRED: Banco Inter API uses OAuth2 with mutual TLS client certificate authentication; automated standard API key assumption creates authentication failure; automated must provision X.509 client certificate for mTLS handshake. CONTA DIGITAL REQUIRED: Banco Inter API access requires active Banco Inter business account (conta digital PJ); automated external API access assumption creates account_required; automated must have registered Banco Inter business account. PIX COBRANÇA EXPIRY: PIX billing QR codes have expiration; automated permanent QR code assumption creates expired_payment for delayed consumers; automated must implement PIX expiry handling and QR code refresh.
Use Cases
- • Generating PIX QR code billing (cobranças) for Brazilian merchant payment acceptance automation agents
- • Creating boleto payments for Brazilian subscription and e-commerce billing automation agents
- • Retrieving account statements and transaction history for Brazilian financial reconciliation automation agents
- • Integrating Banco Inter as banking-as-a-service backend for Brazilian fintech product development automation agents
Not For
- • Non-Brazilian markets (Banco Inter is Brazil-specific digital bank)
- • Consumer retail banking product development (Banco Inter API is for business/partner integrations)
- • International SWIFT transfers (Banco Inter is domestic Brazilian banking platform)
Interface
Authentication
Banco Inter uses OAuth2 + mTLS (X.509 client certificate) for API authentication. REST API with JSON. Belo Horizonte, Brazil HQ. Founded 1994, became digital bank 2015, NASDAQ listed (INTR) 2022. Products: PIX cobranças, boleto, account statement, TED, Open Finance, pix keys, banking-as-a-service. SDKs: Python, Java, JS. BACEN, CMN regulated. 35M+ customers. One of Brazil's largest digital banks. Competes with Nubank and C6 Bank for Brazilian digital banking.
Pricing
Belo Horizonte BR. BACEN. NASDAQ:INTR. PIX free per BACEN. Boleto per-charge. 35M+ customers.
Agent Metadata
Known Gotchas
- ⚠ MTLS CERTIFICATE PROVISIONING: Banco Inter requires X.509 client certificate uploaded to developer portal + used in every API request via mTLS; automated standard OAuth2 bearer-only assumption creates SSL_ERROR; automated must generate RSA key pair, create CSR, get certificate signed, and configure HTTP client for mTLS
- ⚠ PIX COBRANÇA HAS EXPIRY: PIX billing QR codes have configurable expiration (default 24 hours); automated permanent PIX QR assumption creates COBRANCA_EXPIRADA for delayed payments; automated must set appropriate expiry and implement refresh or new cobrança for expired QRs
- ⚠ SCOPE-BASED ACCESS CONTROL: Banco Inter OAuth2 uses granular scopes (boleto.read, boleto.write, pix.read, pix.write, extrato.read); automated all-access token assumption creates insufficient_scope; automated must request and receive each required scope
- ⚠ PIX CHAVE TYPES: PIX keys can be CPF, CNPJ, email, phone, or random UUID; automated single-format PIX key assumption creates key_type_mismatch; automated must handle all PIX key types for consumer payment routing
- ⚠ SANDBOX HAS SIMULATED PAYMENT: Banco Inter sandbox supports simulated payment confirmation for testing full payment flow; automated skip-sandbox assumption misses Banco Inter's good sandbox tooling; automated should use sandbox PIX/boleto simulation for integration testing
Alternatives
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Scores are editorial opinions as of 2026-03-07.