# Efí Pay MCP for AI Agents MCP

> Efí Pay connects your AI agent directly to Brazil's major digital payment platform. Use it to generate dynamic Pix charges, issue traditional bank slips (Boletos), check specific transaction statuses, or pull full historical account statements—all using natural language commands.

## Overview
- **Category:** money-moves
- **Price:** Free
- **Tags:** pix-payments, digital-banking, invoicing, financial-automation, transaction-status, payment-gateway

## Description

This MCP gives your AI client direct access to Efí Pay, one of the largest platforms for Brazilian payments and digital accounts. It lets you handle complex financial operations just by talking to your agent. You can tell it to check a customer's balance or generate an invoice without ever leaving your chat terminal. Forget logging into separate bank portals; this MCP brings those core banking functions right where you work.

For example, need to fulfill an e-commerce order? Your agent pulls the payment status using a specific transaction ID and confirms if the funds arrived. If you're doing reconciliation, you can ask your agent for all statement data over a set date range. It handles everything from sending immediate Pix payments to issuing formal Boletos with expiration dates. Because Vinkius hosts this MCP, you connect once and get access to these essential financial tools alongside hundreds of others.

## Tools

### efi_send_pix
Sends real-time Pix funds to another party immediately.

### efi_create_boleto
Generates a traditional Brazilian bank slip (Boleto) with specified details and expiration dates.

### efi_create_pix_charge
Emits an immediate Pix charge that acts as a virtual payment link for customers.

### efi_get_balance
Checks the current, live balance of your digital Efí Pay account.

### efi_get_pix_payment
Looks up and confirms the status of a single, specific incoming Pix payment using its transaction ID.

### efi_get_statement
Retrieves a full banking statement (extrato) summarizing all account movements over time.

### efi_list_boletos
Lists every Boleto and transaction ever issued within a specified date range.

### efi_list_pix_charges
Checks and lists all generated or received Pix charges (Cob) within a specific period.

## Prompt Examples

**Prompt:** 
```
What is my current available balance, and what were the last three incoming Pix payments?
```

**Response:** 
```
**Efí Pay Account Status**

*   **Current Balance:** R$ 14.520,89 (Liquidez imediata)
*   **Last Three Incoming Payments:**
    1.  `txid: abc-xyz-789`: Confirmed on 2026-06-24.
    2.  `txid: def-ghi-654`: Confirmed on 2026-06-23.
    3.  `txid: jkl-mno-123`: Pending confirmation (Status: Processando).
```

**Prompt:** 
```
Generate a payment link for 300 reais that expires in four hours and is linked to my store email.
```

**Response:** 
```
**Pix Cobrança Criada com Sucesso!**

O pagamento foi emitido e está ativo por 4 horas.

*   **Valor:** R$ 300,00
*   **Vencimento:** 2026-06-24T17:00:00-03:00
*   **Pix Link (Copy/Paste):** `https://pix.efipay.com.br/...`
*   **ID de Transação Único (txid):** 8b8f[...]
```

**Prompt:** 
```
List all Boletos I created last week that haven't been paid yet.
```

**Response:** 
```
**Relatório de Boletos Pendentes (Última Semana)**

Você emitiu um total de 12 boletos. Destes, **4** ainda estão ativos e sem pagamento.

| Boleto ID | Cliente CPF/CNPJ | Valor | Data Vencimento | Status |
| :---: | :---: | :---: | :---: | :---: |
| 123456789 | 111.222.333-44 | R$ 500,00 | 2026-07-10 | Pendente |
| 987654321 | 999.888.777-66 | R$ 120,00 | 2026-07-05 | Pendente |
```

## Capabilities

### Send real-time Pix transfers
Initiates immediate funds transfer directly to any external account using the Pix network.

### Create traditional bank slips (Boletos)
Generates formal Brazilian payment slips, setting specific due dates and linking them to customer IDs.

### Issue dynamic Pix charges
Creates temporary, immediate charges that expire after a set time or when linked to an external key.

### Check current account balance
Retrieves the user's most recent available digital account balance from Efí Pay.

### Verify specific Pix payments
Checks the status of a single, known Pix transaction ID to confirm payment receipt.

### Retrieve historical banking statements
Pulls comprehensive account summaries (statements) covering any defined date range for financial auditing.

## Use Cases

### A customer payment failed validation.
The support team member asks their agent to check the status of the incoming Pix transaction ID. The agent uses `efi_get_pix_payment` and confirms if the funds arrived, allowing the representative to give the client an immediate resolution.

### Quarterly financial review.
The finance manager asks their agent for a summary of all account movements over the last quarter. The agent uses `efi_get_statement` and delivers a structured, ready-to-read report for auditing.

### Need to bill a client today.
The sales team member needs an invoice instantly. They prompt their agent to generate a Boleto using `efi_create_boleto`, including the client's CPF and the required expiration date, eliminating manual form filling.

### Audit all past billing cycles.
The operations team needs to know every invoice ever created for a specific project. They use `efi_list_boletos` to pull a detailed list of every generated payment slip within the last year, filtering by status.

## Benefits

- Avoid manual dashboard checks. Your agent can verify a specific Pix payment status using `efi_get_pix_payment` instantly, letting you confirm orders without delay.
- Invoice customers on the fly. You can generate formal bank slips (Boletos) or temporary charges via `efi_create_boleto` or `efi_create_pix_charge` directly from a chat prompt.
- Get immediate financial visibility. Use `efi_get_balance` to check your current funds, and run `efi_get_statement` for full historical data on demand.
- Streamline reconciliation. Instead of sifting through files, ask the agent to list all transactions in date ranges using `efi_list_boletos` or `efi_list_pix_charges`.
- Control payments via natural language. You can tell your agent exactly what you need—like sending a fund transfer with `efi_send_pix`—and it executes the action.

## How It Works

The bottom line is, after you set up the credentials in your AI client, your agent handles the rest of the complex banking interactions using natural language.

1. Subscribe to this MCP and generate your required credentials within the Efí Back Office, including your Client ID and Secret.
2. Convert your private certificate (.p12) into a Base64 string. This is critical for secure authentication.
3. Input all these credentials directly into your preferred MCP-compatible client so your agent can access the payment tools.

## Frequently Asked Questions

**How do I setup my Base64 Certificate and API credentials?**
Log into your Efí account, go to **API > Applications**. Create an app to get the Client ID and Secret. Then generate a Production Certificate (`.p12`). Instead of uploading the file to Vinkius, use terminal command `base64 -i your_cert.p12` to convert it into a plaintext string, and paste that robust text directly into the MCP configuration.

**Can I automatically verify if a customer paid a Pix charge just by chatting with my AI?**
Yes! Provide the agent the exact transaction id (`txid`) of the generated Pix. The agent will query the `efi_get_pix_payment` tool and immediately tell you if the status is active, answered, or expired.

**Does the integration support transferring money out (Cash-out)?**
Yes. Using the `efi_send_pix` action, you can initiate outbound immediate payments requesting the agent to process a value directly to a receiver Pix key.

**Can I query a history of paid bank slips (Boletos) at the end of the day or month?**
Certainly. The `efi_list_boletos` and `efi_get_statement` tool allows you to perform large queries parsing begin/end dates to return summaries directly in your terminal.