Credz cardholder, invoice and Pix data API

DMCARD SA · Banking 4.3 ★

Credz is DMCARD SA's app for CREDZ cardholders in Brazil, bringing card and CredzConta account management into a Portuguese-language interface. After signing in with a CPF and password, holders can check credit limits and open or past invoices, view their card password, and obtain a virtual card's rotating security code for online purchases. CredzConta adds balance and statement views, Pix keys, QR-code payments and adjustable transfer limits, alongside the cardholder's acquired insurance products. Its Google Play listing is rated 4.3 from around 157,000 reviews.

Open-invoice balances pair valorFaturaAberta with vencimentoFaturaAberta, while idCartao and idFatura connect a bill to its card and payment history. Closed invoices add valorPago, dataPagamento and codigoTransacaoPagamentoFatura; credit capacity is represented separately by valorLimiteTotal, valorLimiteDisponivel and the installment and withdrawal limits.

CredzConta ledger entries attach valorTransacao to dataHoraTransacao and endToEndId, alongside balance snapshots in saldo and accountBalanceValue. Pix directory records use chave and tipoChave, and transfer controls distinguish limitePixPessoaDiurnoMax from valorLimiteNoturnoTransferencia. These fields support invoice-operations reconciliation, Pix treasury dashboards and credit-capacity monitoring. With authorized access, checkout integrations can also work with virtualCardId, securityCode and expiracaoCodigoSegundos for time-limited virtual-card credentials. openData Studio turns these records into callable open data; the examples below use illustrative paths and mock values rather than live service addresses.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Issue IdentityServer access token
POST /v1/cardholder-sessions/create opendata
Exchanges the cardholder CPF and password for the IdentityServer access_token that gates holder, invoice, Pix and CredzConta calls.
Auth: None. CPF as username plus password, grant_type=password, client_id and scope=openid mint access_token. Later calls send Authorization: Bearer plus a sessao query on holder and digital-account routes.
- grant_type
- username
- password
- client_id
- scope
- access_token
- token_type
- expires_in
- refresh_token
```
POST /v1/cardholder-sessions/create HTTP/1.1
Content-Type: application/x-www-form-urlencoded

grant_type=password&username=<holder-cpf>&password=<password>&client_id=<client-id>&scope=openid
```
```
{
  "access_token": "<access-token>",
  "token_type": "Bearer",
  "expires_in": 3600,
  "refresh_token": "<refresh-token>",
  "scope": "openid"
}
```

Read cardholder profile

GET /v1/member/profile osint

Returns the signed-in portador (cardholder) record: name, CPF/documento, holderStatus and digital-invoice contact channels.

Auth: Bearer access_token from the illustrative cardholder session. sessao query is appended on this route.

nomePortador
holderName
documento
cpf
holderDocument
holderStatus
titular
tipoDocumento
digitalInvoiceEmail
digitalInvoiceNumber
sessao

GET /v1/member/profile?sessao=<session-id> HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "nomePortador": "ILLUSTRATIVE CARDHOLDER",
  "holderName": "ILLUSTRATIVE CARDHOLDER",
  "documento": "<holder-cpf>",
  "cpf": "<holder-cpf>",
  "holderDocument": "<holder-cpf>",
  "holderStatus": "ATIVO",
  "titular": true,
  "tipoDocumento": "CPF",
  "digitalInvoiceEmail": "<invoice-email>",
  "digitalInvoiceNumber": "<holder-phone>"
}

List holder cards

GET /v1/card-portfolio openbanking

Lists the holder's physical and virtual cards with last-four, available/total limit and the open-invoice snapshot shown on the home carousel.

Auth: Bearer access_token from the illustrative cardholder session.

idCartao
numeroCartao
finalCartao
nomePortador
imagemCartao
valorLimiteTotal
valorLimiteDisponivel
vencimentoFaturaAberta
valorFaturaAberta
contactless
pixCartaoLiberado

GET /v1/card-portfolio HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "cartoes": [
    {
      "idCartao": "c-8821",
      "numeroCartao": "**** **** **** 4412",
      "finalCartao": "4412",
      "nomePortador": "ILLUSTRATIVE CARDHOLDER",
      "imagemCartao": "<card-image-reference>",
      "valorLimiteTotal": 5000.0,
      "valorLimiteDisponivel": 1875.4,
      "vencimentoFaturaAberta": "2026-11-10",
      "valorFaturaAberta": 932.18,
      "contactless": true,
      "pixCartaoLiberado": true
    }
  ]
}

Read open invoice

GET /v1/card-portfolio/{idCartao}/invoices/current openbanking

Returns the current open fatura for a card: due date, total, minimum payment and whether fatura digital is on.

Auth: Bearer access_token from the illustrative cardholder session. sessao query is appended.

idCartao
idFatura
openInvoice
valorFaturaAberta
vencimentoFaturaAberta
invoiceValue
invoiceDueDate
valorMinimoPagamento
valorPago
faturaDigital
digitalInvoiceStatus

GET /v1/card-portfolio/c-8821/invoices/current?sessao=<session-id> HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "idCartao": "c-8821",
  "idFatura": "fat-202611",
  "openInvoice": true,
  "valorFaturaAberta": 932.18,
  "vencimentoFaturaAberta": "2026-11-10",
  "invoiceValue": 932.18,
  "invoiceDueDate": "2026-11-10",
  "valorMinimoPagamento": 140.0,
  "valorPago": 0,
  "faturaDigital": true,
  "digitalInvoiceStatus": "ATIVA"
}

List closed invoices

GET /v1/card-portfolio/{idCartao}/invoices/archive openbanking

Pages previously closed faturas with due date, amount paid and the payment transaction code used by Minhas Faturas.

Auth: Bearer access_token from the illustrative cardholder session.

idFatura
idInvoice
closedInvoice
invoiceValue
invoiceDueDate
dataVencimento
valorPago
dataPagamento
codigoTransacaoPagamentoFatura
pagina
tamanhoPagina

GET /v1/card-portfolio/c-8821/invoices/archive?pagina=1&tamanhoPagina=20&sessao=<session-id> HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "closedInvoices": [
    {
      "idFatura": "fat-202610",
      "idInvoice": "fat-202610",
      "closedInvoice": true,
      "invoiceValue": 1104.5,
      "invoiceDueDate": "2026-10-10",
      "dataVencimento": "2026-10-10",
      "valorPago": 1104.5,
      "dataPagamento": "2026-10-08",
      "codigoTransacaoPagamentoFatura": "pg-fat-4412"
    }
  ],
  "pagina": 1,
  "tamanhoPagina": 20
}

Reveal card password
GET /v1/card-portfolio/{idCartao}/pin/view openbanking
Returns the plastic's PIN (senha) for the in-app password-view flow after OTP / password confirmation.
Auth: Bearer access_token from the illustrative cardholder session. The app gates this screen with card password / OTP (possuiGeradorOtpAtivo) before calling.
- idCartao
- finalCartao
- numeroCartao
- senha
- possuiGeradorOtpAtivo
```
GET /v1/card-portfolio/c-8821/pin/view HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
```
```
{
  "idCartao": "c-8821",
  "finalCartao": "4412",
  "numeroCartao": "**** **** **** 4412",
  "senha": "<illustrative-pin>",
  "possuiGeradorOtpAtivo": true
}
```
Read card credit limits
GET /v1/card-portfolio/credit-capacity openbanking
Returns total, available, installment and cash-out (saque) limits shown on Meus Limites.
Auth: Bearer access_token from the illustrative cardholder session.
- idCartao
- valorLimiteTotal
- valLimiteTotal
- valorLimiteDisponivel
- valorLimiteParceladoDisponivel
- valorLimiteSaqueDisponivel
- valorLimiteSaqueParcDisponivel
- cardWithdrawalLimitAvailable
```
GET /v1/card-portfolio/credit-capacity HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
```
```
{
  "idCartao": "c-8821",
  "valorLimiteTotal": 5000.0,
  "valLimiteTotal": 5000.0,
  "valorLimiteDisponivel": 1875.4,
  "valorLimiteParceladoDisponivel": 2100.0,
  "valorLimiteSaqueDisponivel": 400.0,
  "valorLimiteSaqueParcDisponivel": 250.0,
  "cardWithdrawalLimitAvailable": 400.0
}
```
Read CredzConta balance
GET /v1/cash-account/available-balance openfinance
Reads the CredzConta digital-account cash balance shown as Saldo da CredzConta.
Auth: Bearer access_token from the illustrative cardholder session. sessao query is appended.
- saldo
- accountBalanceValue
- accountBalanceCurrencySymbol
- lastDateGetBalance
- sessao
```
GET /v1/cash-account/available-balance?sessao=<session-id> HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
```
```
{
  "saldo": 352.9,
  "accountBalanceValue": 352.9,
  "accountBalanceCurrencySymbol": "R$",
  "lastDateGetBalance": "2026-10-26T18:01:00Z"
}
```

List CredzConta statement

GET /v1/cash-account/ledger-entries openfinance

Pages CredzConta ledger lines (Pix, boleto cash-in, card cash-in) with amount, timestamp and endToEndId.

Auth: Bearer access_token from the illustrative cardholder session. sessao query is appended.

idTransacao
codigoTransacao
tipoTransacao
descricaoTransacao
valorTransacao
dataHoraTransacao
endToEndId
documentoDestinatario
agenciaDestinatario

GET /v1/cash-account/ledger-entries?sessao=<session-id> HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "transacoes": [
    {
      "idTransacao": "tx-90112",
      "codigoTransacao": "pix-90112",
      "tipoTransacao": "PIX",
      "descricaoTransacao": "Pix enviado",
      "valorTransacao": 80.0,
      "dataHoraTransacao": "2026-10-25T14:22:11Z",
      "endToEndId": "E12345678202610251422abcd",
      "documentoDestinatario": "<recipient-cpf>",
      "agenciaDestinatario": "0001"
    }
  ]
}

List Pix keys

GET /v1/pix-directory/registered-keys openfinance

Lists Pix keys registered on CredzConta (CPF, phone, email, random) for receive and portability screens.

Auth: Bearer access_token from the illustrative cardholder session. sessao query is appended.

chave
tipoChave
nomeChave
nomeChavePix
cpf
sessao

GET /v1/pix-directory/registered-keys?sessao=<session-id> HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "chaves": [
    {
      "chave": "<holder-cpf>",
      "tipoChave": "CPF",
      "nomeChave": "CPF",
      "nomeChavePix": "ILLUSTRATIVE CARDHOLDER",
      "cpf": "<holder-cpf>"
    },
    {
      "chave": "<holder-phone>",
      "tipoChave": "PHONE",
      "nomeChave": "Celular",
      "nomeChavePix": "ILLUSTRATIVE CARDHOLDER"
    }
  ]
}

Read Pix limits

GET /v1/pix-controls/transfer-caps openfinance

Returns day/night Pix caps for persons and companies plus used-versus-available amounts on Ajustar Limites.

Auth: Bearer access_token from the illustrative cardholder session.

valorLimiteDiarioTransferencia
valorLimiteMensalTransferencia
valorLimiteNoturnoTransferencia
limitePixPessoaDiurnoMax
limitePixPessoaNoturnoMax
limitePixEmpresaDiurnoMax
limitePixEmpresaNoturnoMax
valorDiarioUtilizado
valorMensalUtilizado

GET /v1/pix-controls/transfer-caps?session=<session-id> HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "valorLimiteDiarioTransferencia": 5000.0,
  "valorLimiteMensalTransferencia": 20000.0,
  "valorLimiteNoturnoTransferencia": 1000.0,
  "limitePixPessoaDiurnoMax": 5000.0,
  "limitePixPessoaNoturnoMax": 1000.0,
  "limitePixEmpresaDiurnoMax": 15000.0,
  "limitePixEmpresaNoturnoMax": 3000.0,
  "valorDiarioUtilizado": 80.0,
  "valorMensalUtilizado": 430.0
}

Decode Pix QR code

POST /v1/pix-payments/qr/interpret openfinance

Decodes a static or dynamic Pix EMV payload into payee key, amount and institution before the pay-QR confirm screen.

Auth: Bearer access_token from the illustrative cardholder session.

qrCode
tipoQrCode
chave
valor
nomeInstituicao
idInstituicao
documentoDestinatario
endToEndId
permiteAlterarValor

POST /v1/pix-payments/qr/interpret HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "qrCode": "<illustrative-pix-qr-payload>",
  "tipoQrCode": "EMV"
}

{
  "tipoQrCode": "ESTATICO",
  "chave": "<recipient-pix-key>",
  "valor": 129.9,
  "nomeInstituicao": "BANCO EXEMPLO S.A.",
  "idInstituicao": "00000000",
  "documentoDestinatario": "<recipient-document>",
  "endToEndId": null,
  "permiteAlterarValor": false
}

Issue virtual-card security codes
POST /v1/virtual-credentials/security-code/issue openbanking
Mints a rotating CVV (securityCode) and masked PAN for the Credz virtual card used in online checkout.
Auth: Bearer access_token from the illustrative cardholder session. The app confirms with card password before this call.
- virtualCardId
- idCartao
- numeroCartao
- securityCode
- pan
- expiracaoCodigoSegundos
```
POST /v1/virtual-credentials/security-code/issue HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "virtualCardId": "vc-4412",
  "idCartao": "c-8821"
}
```
```
{
  "virtualCardId": "vc-4412",
  "idCartao": "c-8821",
  "numeroCartao": "5465 00** **** 4412",
  "securityCode": "<illustrative-cvv>",
  "pan": "546500******4412",
  "expiracaoCodigoSegundos": 60
}
```

List acquired insurances

GET /v1/member/policy-subscriptions opendata

Lists insurance products attached to the cardholder (e.g. pet) with installment amount and due date.

Auth: Bearer access_token from the illustrative cardholder session. holderDocument query selects the portador.

holderDocument
holderName
codigo
status
valorParcela
dataVencimento

GET /v1/member/policy-subscriptions?holderDocument=<holder-cpf> HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "holderDocument": "<holder-cpf>",
  "seguros": [
    {
      "codigo": "PET-FRIEND",
      "holderName": "ILLUSTRATIVE CARDHOLDER",
      "status": "ATIVO",
      "valorParcela": 19.9,
      "dataVencimento": "2026-11-10"
    }
  ]
}

Where teams use this data

Invoice ops reconciliation
A card-issuer ops bot pulls valorFaturaAberta, vencimentoFaturaAberta and valorPago per idCartao each morning and flags open invoices that passed invoiceDueDate still unpaid.
Pix treasury dashboard
Treasury software lists chave / tipoChave on CredzConta, watches saldo and accountBalanceValue, and matches outbound Pix by endToEndId against the extrato.
Limit and nocturnal-cap monitor
Risk tools subscribe to valorLimiteDisponivel versus valorLimiteTotal and the Pix day/night caps (limitePixPessoaDiurnoMax, valorLimiteNoturnoTransferencia) so a spent-down book surfaces before authorization declines.
Virtual-card checkout assist
A travel or marketplace checkout pulls numeroCartao plus the rotating securityCode (and expiracaoCodigoSegundos) instead of asking the holder to read the CVV off the virtual-card screen.

Frequently asked questions

What invoice fields are included in the Credz data API examples?

Open invoices include valorFaturaAberta, vencimentoFaturaAberta, invoiceValue, invoiceDueDate, valorMinimoPagamento, valorPago and digitalInvoiceStatus. Closed-invoice records add dataPagamento and codigoTransacaoPagamentoFatura, with idFatura identifying the bill.

How is cardholder authentication represented?

The session example exchanges a CPF username and password using grant_type=password, client_id and scope=openid for an access_token. Protected examples retain Authorization: Bearer authentication, and the relevant profile, invoice and CredzConta requests include a sessao parameter. All credentials shown are placeholders.

Which CredzConta and Pix fields can support reconciliation?

Balance snapshots use saldo and accountBalanceValue. Statement lines include valorTransacao, dataHoraTransacao and endToEndId, while registered Pix keys use chave, tipoChave and nomeChavePix. Transfer-cap records distinguish personal and business day/night limits and report daily and monthly usage.

What do the virtual-card security-code examples contain?

They show virtualCardId, idCartao, masked numeroCartao and pan values, plus securityCode and expiracaoCodigoSegundos for the rotating CVV and its validity window. The cardholder confirms with the card password before that flow; the sample security code is only a placeholder.

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More Banking apps

Topics

credz data api
credz fatura
credzconta pix
credz virtual card
dmcard credz
credz limite
pix chave credz
brazil card invoice data

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Credz cardholder, invoice and Pix data API

Screenshots

API surface

Issue IdentityServer access token

Read cardholder profile

List holder cards

Read open invoice

List closed invoices

Reveal card password

Read card credit limits

Read CredzConta balance

List CredzConta statement

List Pix keys

Read Pix limits

Decode Pix QR code

Issue virtual-card security codes

List acquired insurances

Data categories

Where teams use this data

Invoice ops reconciliation

Pix treasury dashboard

Limit and nocturnal-cap monitor

Virtual-card checkout assist

Frequently asked questions

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Need this app's data API integrated?

Credz cardholder, invoice and Pix data API

Screenshots

API surface

Issue IdentityServer access token

Read cardholder profile

List holder cards

Read open invoice

List closed invoices

Reveal card password

Read card credit limits

Read CredzConta balance

List CredzConta statement

List Pix keys

Read Pix limits

Decode Pix QR code

Issue virtual-card security codes

List acquired insurances

Data categories

Where teams use this data

Invoice ops reconciliation

Pix treasury dashboard

Limit and nocturnal-cap monitor

Virtual-card checkout assist

Frequently asked questions

Related apps

Apps similar to Credz

More Banking apps

5paisa: Demat, Stocks & IPO

Ajaib: Stock, Crypto, US Stock

Albert: Budgeting and Banking

AndroMoney

Topics

Need this app's data API integrated?