Considerations & FAQ

Credit Cards

Credit card transactions behave differently in each institution, as a general rule institutions will provide new purchases on a daily basis and once the bill has been close/overdue, it will return all the transactions associated with it.

Future Installments

When a user makes multiple installments of a purchase, the institutions behave in different ways.

• Most of the institutions will return the first installment in the daily updates, this information is returned when we recover the current transactions weekly information.
• BTG Pactual (614), the future installments (installment number >= 2) are retrieved in the first connection with thePENDING status.

Bills

Due to a limitation of the Financial Institutions API, open bills are not returned until the bills are close or overdue (This depends on the FI).

Once the bill is returned all transactions will have the billId relationship assigned. Until the bill appears in the FI, we won't be able to create the Bill nor link it with its corresponding billId.

Also, some transactions are only returned in the bill's transaction list, so will be returned once the bill has appeared in the FI (ie. Future Installments).

Note: Overdue means that its passed the due's date, not related to the payment status.

Frequently Asked Questions (FAQ)

• Upon first connection, do Open Finance connectors return fully withdrawn investments?
  • No, only active investments at the moment of the first connection are returned. From that point on, if you fully withdraw one of those investments, it will change status to TOTAL_WITHDRAWAL.
• Does Itaú PJ OF (618) return consolidated (SISPAG CONSOLIDADO, PIX QRS CONSOLIDADO) transactions or detailed transactions?
  • It always returns detailed transactions, with the counterpart's CPF / CNPJ inside paymentData.