Cartão Mais! data: fatura, card limits, Pix and consent fields

CREDSYSTEM INSTITUICAO DE PAGAMENTO LTDA · Payments 4.4 ★

Cartão Mais! is the cardholder app from CREDSYSTEM INSTITUICAO DE PAGAMENTO LTDA (Credsystem IP, with Credsystem SCD for credit products) for the Mais Mastercard retail card and the Conta do Mais digital account sold through Brazilian retail. After first access with CPF, date of birth and a celular SMS token — Unico face check on new devices, then optional fingerprint or Face ID — the home splits Cartão and Conta: open fatura and available limit, last purchases, virtual and temporary cards, Google Pay / Apple Pay, card block/unblock and segunda via, Pix (keys, QR, Pix Automático, Pix recorrente, saque/troco, MED contest, trusted contacts), TED and boleto DDA, a remunerated-account toggle, Mais Empréstimo with TED payout, Zurich / pet / bolsa protegida insurance, Plano SMS, Cleo chat, and the Você Pode Mais rewards catalogue. Published for Brazil only, its provider lists Al. Rio Negro 161, Alphaville, Barueri-SP as its address. The app holds a 4.38 rating across about 236 thousand Google Play ratings and 5 million-plus installs, sitting with other Credsystem-issued store cards rather than full-service banks.

Mais fatura records pair faturaAtual with dataVencimento and valorMinimo; invoiceId links a billing cycle to its boleto linhaDigitavel and codigoBarras. Card snapshots carry limiteCartao, optional limiteEmergencial and masked numeroCartao, while purchase rows include merchantName, valor and installmentPosition. Conta do Mais records add balanceAmount, ispb and nrConta. Pix entries identify chavePix, tipoChave and endToEndId; Open Finance consent records include consentId, permissions and expirationDateTime. Mais Empréstimo quotes add valorEmprestimo, valorParcela and cet.

Collection teams can match due-date slips to internet-banking payments, household dashboards can compare available headroom with purchase and instalment amounts, and treasury tools can use Pix references and account coordinates for reconciliation alongside TED and DDA records. Lending integrations can combine consent scope and expiry with the in-app loan quote. openData Studio turns these fields into callable open data.

Screenshots

API surface

Request/response examples are illustrative, reconstructed from the app's interface — not a live capture.

CPF first-access session
POST /v1/sessions/open opendata
Exchanges the cardholder CPF, birth date and SMS token for the Bearer session used on every later fatura, Pix and Conta do Mais call.
Auth: None. CPF, date of birth and SMS token mint accessToken; later calls send Authorization: Bearer. Device biometrics only unlock the locally stored session.
- cpf
- birthDate
- smsToken
- deviceId
- appVersion
- accessToken
- refreshToken
- tokenType
- expiresIn
- codigoCliente
- idClienteCred
- mustChangePassword
```
POST /v1/sessions/open HTTP/1.1
Content-Type: application/json

{
  "cpf": "12345678901",
  "birthDate": "1988-03-14",
  "smsToken": "840291",
  "deviceId": "a1b2c3d4-e5f6",
  "appVersion": "5.5.0"
}
```
```
{
  "accessToken": "<access-token>",
  "refreshToken": "<refresh-token>",
  "tokenType": "Bearer",
  "expiresIn": 3600,
  "codigoCliente": "44190821",
  "idClienteCred": "CST-44190821",
  "mustChangePassword": false
}
```

Cardholder profile

GET /v1/holders/me osint

Returns the signed-in holder — name, CPF, email, phone and address — for Meus Dados, Perfil and cadastral-update screens.

Auth: Bearer token from /v1/sessions/open.

codigoCliente
idClienteCred
fullName
cpfCnpj
email
phone
birthDate
addressCity
addressState

GET /v1/holders/me HTTP/1.1
Authorization: Bearer <access-token>

{
  "codigoCliente": "44190821",
  "idClienteCred": "CST-44190821",
  "fullName": "Maria Aparecida Silva",
  "cpfCnpj": "12345678901",
  "email": "[email protected]",
  "phone": "11987654321",
  "birthDate": "1988-03-14",
  "addressCity": "Barueri",
  "addressState": "SP"
}

Card and limit snapshot

GET /v1/cards/summary openfinance

Reads the Mastercard on the home Cartão tile: masked PAN, printed name, statusCartao, limiteCartao and optional limiteEmergencial.

Auth: Bearer token from /v1/sessions/open.

idCartao
idConta
numeroCartao
last4
nomeImpresso
nomeCartao
statusCartao
limiteCartao
limiteEmergencial
currency

GET /v1/cards/summary HTTP/1.1
Authorization: Bearer <access-token>

{
  "idCartao": "CRD-90821",
  "idConta": "CTA-4419",
  "numeroCartao": "5159********4419",
  "last4": "4419",
  "nomeImpresso": "MARIA A SILVA",
  "nomeCartao": "Mais Mastercard",
  "statusCartao": "ATIVO",
  "limiteCartao": 2500.00,
  "limiteEmergencial": 300.00,
  "currency": "BRL"
}

Open fatura cycle

GET /v1/invoices openbanking

Lists the open Mais fatura (faturaAtual, dataVencimento, valorMinimo, amountDue) plus prior cycles for Minhas Faturas.

Auth: Bearer token from /v1/sessions/open.

idCartao
faturaAtual
invoiceId
dataVencimento
valorMinimo
amountDue
status
currency

GET /v1/invoices?idCartao=CRD-90821 HTTP/1.1
Authorization: Bearer <access-token>

{
  "idCartao": "CRD-90821",
  "faturaAtual": {
    "invoiceId": "FAT-202610",
    "dataVencimento": "2026-10-12",
    "valorMinimo": 85.40,
    "amountDue": 854.00,
    "status": "ABERTA",
    "currency": "BRL"
  },
  "previous": [
    {
      "invoiceId": "FAT-202609",
      "dataVencimento": "2026-09-12",
      "amountDue": 612.30,
      "status": "PAGA"
    }
  ]
}

Fatura boleto slip

GET /v1/invoices/{invoiceId}/boleto openbanking

Returns the payable boleto for the open fatura — linhaDigitavel and codigoBarras — plus the email-slip path.

Auth: Bearer token from /v1/sessions/open.

invoiceId
linhaDigitavel
codigoBarras
dataVencimento
amountDue
emailSentTo

GET /v1/invoices/FAT-202610/boleto HTTP/1.1
Authorization: Bearer <access-token>

{
  "invoiceId": "FAT-202610",
  "linhaDigitavel": "23793.38128 60007.827136 95000.063305 1 84440000085400",
  "codigoBarras": "23791844400000854003381286000782713950000633",
  "dataVencimento": "2026-10-12",
  "amountDue": 854.00,
  "emailSentTo": null
}

Card purchase ledger

GET /v1/cards/{idCartao}/transactions openbanking

Pages the live purchase list on Últimas Transações / extrato do cartão, including instalment position.

Auth: Bearer token from /v1/sessions/open.

idCartao
transactionId
merchantName
valor
currency
postedAt
installmentPosition
status

GET /v1/cards/CRD-90821/transactions?limit=20 HTTP/1.1
Authorization: Bearer <access-token>

{
  "idCartao": "CRD-90821",
  "items": [
    {
      "transactionId": "TXN-8821",
      "merchantName": "ATACADAO OSASCO",
      "valor": 186.40,
      "currency": "BRL",
      "postedAt": "2026-10-18T19:12:03-03:00",
      "installmentPosition": "1/3",
      "status": "CONFIRMADA"
    }
  ]
}

Pix key directory

GET /v1/pix/keys openfinance

Lists DICT keys on Conta do Mais (phone, CPF, email, EVP) for My Pix Key, claim and register flows.

Auth: Bearer token from /v1/sessions/open. Device must be registered (PixDeviceSenhaCartao) before claim/register.

idConta
chavePix
tipoChave
idPixChaveTipo
status
claimedAt

GET /v1/pix/keys HTTP/1.1
Authorization: Bearer <access-token>

{
  "idConta": "CTA-4419",
  "keys": [
    {
      "chavePix": "11987654321",
      "tipoChave": "PHONE",
      "idPixChaveTipo": 2,
      "status": "ACTIVE",
      "claimedAt": "2026-03-02T11:04:00-03:00"
    },
    {
      "chavePix": "12345678901",
      "tipoChave": "CPF",
      "idPixChaveTipo": 1,
      "status": "ACTIVE"
    }
  ]
}

Pix credit transfer

POST /v1/pix/payments openfinance

Sends a Pix from Conta do Mais and returns the Bacen endToEndId plus ISPB / branch / account of the payee.

Auth: Bearer token plus card password (NativeMobile.AuthorizeTransaction / PixDeviceSenhaCartao) on the debit.

endToEndId
chavePix
valor
ispb
nrAgencia
nrConta
dvConta
tipoConta
destinatarioPix
bancoDestinoPix
status

POST /v1/pix/payments HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "chavePix": "11987654321",
  "valor": 150.00,
  "idConta": "CTA-4419",
  "descricao": "Aluguel"
}

{
  "endToEndId": "E0036030520261022041123456789012",
  "chavePix": "11987654321",
  "valor": 150.00,
  "ispb": "00360305",
  "nrAgencia": "0001",
  "nrConta": "12345678",
  "dvConta": "9",
  "tipoConta": "CACC",
  "destinatarioPix": "JOAO SILVA",
  "bancoDestinoPix": "Banco do Brasil",
  "status": "CONFIRMED"
}

Conta do Mais snapshot

GET /v1/accounts/me openbanking

Reads Conta do Mais bank coordinates and cash balance for the home Conta tile, TED cash-in and DDA toggle.

Auth: Bearer token from /v1/sessions/open.

idConta
ispb
nrAgencia
nrConta
dvConta
tipoConta
balanceAmount
currency
yieldEnabled
ddaEnabled

GET /v1/accounts/me HTTP/1.1
Authorization: Bearer <access-token>

{
  "idConta": "CTA-4419",
  "ispb": "00360305",
  "nrAgencia": "0001",
  "nrConta": "44190821",
  "dvConta": "7",
  "tipoConta": "CACC",
  "balanceAmount": 1320.55,
  "currency": "BRL",
  "yieldEnabled": true,
  "ddaEnabled": true
}

Open Finance consents

GET /v1/open-finance/consents openfinance

Lists Open Finance Brasil data-sharing and payment consents tied to the Mais card, including organisation and expiry.

Auth: Bearer token from /v1/sessions/open. Card password required to create or cancel a consent.

consentId
organisationName
permissions
status
expirationDateTime
idCartao

GET /v1/open-finance/consents HTTP/1.1
Authorization: Bearer <access-token>

{
  "items": [
    {
      "consentId": "urn:credsystem:consent:7c21",
      "organisationName": "Nubank",
      "permissions": ["ACCOUNTS_READ", "CREDIT_CARDS_ACCOUNTS_READ"],
      "status": "AUTHORISED",
      "expirationDateTime": "2027-04-18T23:59:59Z",
      "idCartao": "CRD-90821"
    }
  ]
}

Mais Empréstimo quote

POST /v1/loans/simulations openfinance

Quotes a Mais Empréstimo (amount, instalments, monthly rate, CET) before TED payout to a chosen account.

Auth: Bearer token from /v1/sessions/open. Card password authorises disbursement after the quote.

simulationId
valorEmprestimo
installments
valorParcela
taxaJuros
cet
firstDueDate
payoutIspb
status

POST /v1/loans/simulations HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "valorEmprestimo": 2000.00,
  "installments": 12,
  "idConta": "CTA-4419"
}

{
  "simulationId": "SIM-7721",
  "valorEmprestimo": 2000.00,
  "installments": 12,
  "valorParcela": 198.40,
  "taxaJuros": 0.0499,
  "cet": 0.0821,
  "firstDueDate": "2026-11-12",
  "payoutIspb": "00360305",
  "status": "PRE_APPROVED"
}

Where teams use this data

Fatura collection reconciliation
Collectors match faturaAtual amountDue and dataVencimento to the linhaDigitavel / codigoBarras slip so internet-banking payments post against the open Mais cycle.
Limit and spend monitoring
Household dashboards watch limiteCartao versus live purchase valor and installmentPosition before a swipe, and flag limiteEmergencial when the holder taps Aumento de Limite.
Pix cash-flow on Conta do Mais
Treasury bots list chavePix / tipoChave, then follow endToEndId, ispb and nrConta on outbound Pix so Conta do Mais cash-in and cash-out reconcile with TED and DDA boletos.
Open Finance and loan origination
Lending stacks read consentId permissions on the Mais card and quote valorEmprestimo / valorParcela / cet from Mais Empréstimo before a TED payout.

Frequently asked questions

What data does the Cartão Mais! field catalogue cover?

It covers the cardholder session and codigoCliente, card limits such as limiteCartao and limiteEmergencial, faturaAtual billing cycles with dataVencimento and linhaDigitavel, purchase and instalment records, Conta do Mais balances and account coordinates, Pix keys and endToEndId transfers, Open Finance consents, and Mais Empréstimo loan quotes.

How does Cartão Mais! authenticate cardholders?

First access uses CPF, date of birth and an SMS token, with a Unico face check on a new device. The session model uses a Bearer accessToken for later calls; Pix transfers, Open Finance consent changes and loan disbursement also require the card password. Fingerprint and Face ID unlock the locally stored session.

Are these endpoints an official public Credsystem API?

No. This page presents illustrative endpoints and field models for cardholder features, not an official Credsystem developer specification or a documented partner programme. Authentication requirements remain relevant; the examples do not imply anonymous access to cardholder data.

Which fields support reconciliation and lending integrations?

For fatura reconciliation, invoiceId connects billing-cycle records to linhaDigitavel and codigoBarras, with amountDue and dataVencimento describing the payment obligation. Pix reconciliation uses endToEndId and account coordinates such as ispb and nrConta. Lending workflows can read consentId, permissions and expirationDateTime alongside valorEmprestimo, valorParcela and cet from a loan quote.

Apps similar to Cartão Mais!

Cartão Carrefour: Crédito e + — Banco CSF's Cartão Carrefour app lets holders of the Carrefour store credit card check available and used limit, track spending in real time, generate a barcode to pay the fatura, request additional cards, and use Open Finance, with exclusive conditions at Carrefour, Atacadão and Sam's Club.
Cartão Atacadão: Crédito e + — Banco CSF's Cartão Atacadão app is the companion for the Atacadão store card: check available limit and the best purchase date, open the fatura and generate a Pix payment code, apply for a personal loan, and use Open Finance, with conditions at Atacadão, Carrefour and Sam's Club.
Credz — Credz (Credz S.A. Payment Institution / DMCARD) is a Brazilian store-card app that looks up limit, PIN and invoices, activates a virtual card, and opens Club Credz merchant discounts and loyalty points.
BrasilCard Cliente — BrasilCard Cliente is BrasilCard's cardholder app for tracking invoices and live purchases, generating a barcode to pay the fatura, unblocking the card and changing the due date, and requesting a duplicate or debt negotiation.
Cartão Magalu — Itaú Unibanco's Cartão Magalu app manages Magalu and Luiza store credit cards with Magalu cashback, fatura pay and renegotiation, and temporary or recurring virtual cards for online shopping.
Nubank — Nubank's Brazilian Android app (Nu Pagamentos) combines a no-annual-fee international credit card, a digital account, free unlimited Pix 24/7, loans, investments from R$1, life insurance and cashback.
RecargaPay: Pix Cartão e Conta — RecargaPay is a Banco Central-regulated digital wallet whose app makes Pix with a credit card, pays bills, offers a free digital account and a no-annual-fee credit card with cashback, plus personal and CLT payroll loans.
Bradesco: Conta, Cartão e Pix! — Bradesco: Conta, Cartão e Pix is Banco Bradesco's consumer app for opening an account, sending fee-free Pix, checking balances and limits, and managing Livelo-points credit cards with bill prepayment and post-purchase installment.

More Payments apps

Topics

Cartão Mais API
Credsystem fatura API
Mais Mastercard limite
Conta do Mais Pix
endToEndId Cartão Mais
Open Finance Credsystem
Mais Empréstimo CET
linhaDigitavel fatura Mais

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Cartão Mais! data: fatura, card limits, Pix and consent fields

Screenshots

API surface

CPF first-access session

Cardholder profile

Card and limit snapshot

Open fatura cycle

Fatura boleto slip

Card purchase ledger

Pix key directory

Pix credit transfer

Conta do Mais snapshot

Open Finance consents

Mais Empréstimo quote

Data categories

Where teams use this data

Fatura collection reconciliation

Limit and spend monitoring

Pix cash-flow on Conta do Mais

Open Finance and loan origination

Frequently asked questions

Apps similar to Cartão Mais!

More Payments apps

BharatPe for Business

BukuWarung Apps for MSMEs

C3Pay

CashBook - Balance & Expense

Topics

Need this app's data API integrated?

Cartão Mais! data: fatura, card limits, Pix and consent fields

Screenshots

API surface

CPF first-access session

Cardholder profile

Card and limit snapshot

Open fatura cycle

Fatura boleto slip

Card purchase ledger

Pix key directory

Pix credit transfer

Conta do Mais snapshot

Open Finance consents

Mais Empréstimo quote

Data categories

Where teams use this data

Fatura collection reconciliation

Limit and spend monitoring

Pix cash-flow on Conta do Mais

Open Finance and loan origination

Frequently asked questions

Related apps

Apps similar to Cartão Mais!

More Payments apps

BharatPe for Business

BukuWarung Apps for MSMEs

C3Pay

CashBook - Balance & Expense

Topics

Need this app's data API integrated?