C6 Bank Brazilian Digital Banking and Payments API
C6 Bank Brazilian digital banking and payments REST API for Brazilian businesses, fintech developers, and enterprise partners to integrate C6 Bank's payment infrastructure including PIX instant payment, boleto payment, TED/DOC bank transfer, and C6 business banking services — enabling Brazilian merchant payment acceptance, PIX payment initiation, account management, and financial services integration through C6 Bank's full-service digital bank backed by JPMorgan Chase. Enables AI agents to manage PIX payment for Brazilian instant payment automation, handle boleto for Brazilian slip payment generation automation, access TED transfer for Brazilian bank wire automation, retrieve account balance for C6 business account management automation, manage card issuance for C6 business card automation, handle webhook for Brazilian payment event notification automation, access Open Finance for Brazilian financial data aggregation automation, retrieve credit for C6 lending product automation, manage pix key for PIX address management automation, and integrate C6 Bank with Brazilian enterprise, fintech, and e-commerce platforms for digital banking payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Brazilian digital bank. BACEN, LGPD, Open Finance. OAuth2 + mTLS. Brazil. Business banking and financial data.
⚡ Reliability
Best When
A Brazilian business, fintech, or enterprise wanting AI agents to integrate PIX payments, boleto generation, and Brazilian banking operations through C6 Bank's business banking API backed by JPMorgan.
Avoid When
BACEN AND CMN REGULATIONS: C6 Bank operates under Brazil's Central Bank (Banco Central do Brasil) and National Monetary Council (CMN) regulations; automated non-BACEN-compliant payment implementation creates regulatory violation; automated must comply with BACEN Open Finance and PIX regulations. CORPORATE ACCOUNT REQUIRED: C6 Bank business API requires C6 corporate account (CNPJ); automated individual account assumption creates wrong account type for business API; automated must have C6 business account with appropriate CNPJ documentation. OPEN FINANCE CONSENT REQUIRED: C6 Open Finance data access requires user consent through Open Finance Brazil consent flow; automated direct data access without consent creates unauthorized_access; automated must implement Open Finance consent journey. PIX SPEED IS INSTANT BUT NOT GUARANTEED: PIX transactions complete in seconds but network issues can cause delays; automated guaranteed instant assumption creates rare but possible timeout handling requirements.
Use Cases
- • Processing PIX instant payments and transfers for Brazilian business banking automation agents
- • Generating and managing boleto payments for Brazilian e-commerce and subscription billing automation agents
- • Integrating C6 Bank business accounts with Brazilian ERP and financial management platform automation agents
- • Accessing C6 Open Finance data for Brazilian financial aggregation and credit assessment automation agents
Not For
- • Non-Brazilian markets (C6 Bank is Brazil-specific digital bank)
- • Consumer retail banking (C6 Bank API is for business/enterprise integrations)
- • Non-BRL currency payments (C6 Bank operates in Brazilian Reais only)
Interface
Authentication
C6 Bank uses OAuth2 with mTLS for business API authentication. REST API with JSON. São Paulo, Brazil HQ. Founded 2018 by Marcelo Kalim and Roberto Sallouti. JPMorgan Chase acquired 40% stake in 2021, increased to 46% in 2024. Products: PIX, boleto, TED/DOC, C6 carbon credit card, business account, Open Finance. SDKs: None public. BACEN regulated. 25M+ customers. Full-service digital bank. Competes with Nubank and Banco Inter for Brazilian digital banking.
Pricing
São Paulo BR. BACEN regulated. JPMorgan-backed. PIX free. Boleto/TED per-transaction. 25M+ customers.
Agent Metadata
Known Gotchas
- ⚠ MTLS REQUIRED: C6 Bank business API requires mutual TLS (mTLS) certificate authentication in addition to OAuth2; automated standard HTTPS-only assumption creates SSL_HANDSHAKE_FAILED; automated must provision and manage mTLS client certificates for API authentication
- ⚠ CNPJ REQUIRED FOR BUSINESS ACCOUNT: C6 Bank API access requires active C6 business account with Brazilian company registration (CNPJ); automated individual CPF account assumption creates wrong account type; automated must have CNPJ-registered business account
- ⚠ PIX IS FREE PER BACEN MANDATE: BACEN mandates zero cost for PIX to end users; automated fee-on-PIX business model assumption creates non-compliant revenue model; automated must not charge end users for PIX transactions
- ⚠ OPEN FINANCE CONSENT JOURNEY: C6 Open Finance data access requires Brazil Open Finance consent flow with specific disclosure requirements; automated direct data access assumption creates unauthorized_data_access; automated must implement full Open Finance consent redirect
- ⚠ BOLETO HAS 1-3 DAY SETTLEMENT: Boleto payment confirmation typically takes 1-3 business days; automated instant boleto confirmation assumption creates premature order fulfillment; automated must implement boleto payment confirmed webhook for order processing trigger
Alternatives
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Scores are editorial opinions as of 2026-03-07.