Why Efí?

You might wonder why pixcli ships with Efí (formerly Gerencianet) as its first provider instead of Mercado Pago, Nubank, or another big name. The answer is simple: Efí is the only PSP in Brazil that gives developers a fully open Pix API with zero friction.

What Efí gets right

• Sign up and go. Create an account, get API keys, and start making real Pix calls in under 30 minutes. No sales calls, no approval process, no waiting.
• Full BACEN spec. Charges, payments, refunds, webhooks, DICT key management. The complete Pix API as defined by the Central Bank.
• Working sandbox. Test everything with fake money before going live. Most PSPs either don't have a sandbox or it's broken.
• mTLS by default. Certificate-based authentication, which BACEN requires for Pix anyway. Efí makes it straightforward to generate and configure.
• Great documentation. dev.sejaefi.com.br has clear, complete API docs with examples.
• Free to start. No monthly fees. No minimum volume. Free to receive Pix.

Why not the others

Nubank

No public Pix API. No developer documentation. No OAuth endpoints. Only works inside the Nubank app. If you want to create a Pix charge programmatically, Nubank simply doesn't offer that.

Mercado Pago

Has a Pix API, but it's designed around the Mercado Pago checkout ecosystem. Direct Pix API access requires commercial approval and is limited compared to the full BACEN specification. Better suited for e-commerce integrations than developer tooling.

PagSeguro

Offers a Pix API, but requires a lengthy approval process before you can make your first API call. Not practical for developers who want to experiment and build quickly.

Inter, C6, BTG

Some offer Open Finance APIs, but none expose a straightforward Pix API for developers to create charges and process payments independently.

Adding more providers

pixcli is built on a provider trait system (pix-provider crate). The PixProvider trait defines a standard interface for all Pix operations. Efí is the default because it lets you go from cargo install to real transactions in minutes.

Adding a new provider means implementing the same trait for a different PSP. See the Contributing guide if you want to add Mercado Pago, PagSeguro, or another provider.

// The provider trait that all PSPs implement
pub trait PixProvider {
    async fn create_charge(&self, charge: &ChargeRequest) -> Result<Charge>;
    async fn get_charge(&self, txid: &str) -> Result<Charge>;
    async fn send_pix(&self, pix: &PixSendRequest) -> Result<PixSendResponse>;
    // ... more operations
}