InfinitePay Tap, Conta, Cartão icon

InfinitePay data API: NSU captures, Pix and wallets

CloudWalk · Payments 4.9 ★

InfinitePay Tap, Conta, Cartão is CloudWalk's Brazilian merchant app (on-device InfinitePay) that turns an Android 10+ NFC phone into a free InfiniteTap card reader and pairs it with a PF/PJ digital account, Pix at zero fee, payment links, billing, POS inventory and a no-annual-fee smart card. Shopkeepers, MEI, CNPJ firms and delivery riders accept debit, credit and wallets by tap — sales over R$200 ask for the customer's PIN — then choose to receive in the moment or in one business day, with rates that already bundle prepayment. Team Mode installs a sales-only client on as many phones as the shop needs; the same login generates installment links up to 12× for WhatsApp and DMs, issues Pix or card cobranças, runs an online catalog, compares MDR in-app, and can open an instant loan paid from sales. The smart card pays 1.5% cashback and sits in the phone wallets. Published for Brazil only (CloudWalk Payment Institution CNPJ 18.189.547/0001-42, Rua Eugênio de Medeiros 303, São Paulo), it holds a 4.87 rating across 1.04 million Google Play reviews, 10 million-plus installs and a #7 free-finance slot, sitting next to Stone, PagBank, Cielo, Mercado Pago Point, SumUp and Ton for the same SoftPOS-plus-conta slot.

CNPJ document_number lands on the same signed-in merchant session as wallets, cardholder and products_allowed, with identity_validation status and account_kind (MerchantPj versus a CPF seller) deciding which till is a company. SoftPOS and delivery taps then key each card capture by nsu; Pix outflows are tracked beside current_tpv, while active_loan and card credit_statement rows reuse the same handle.

ERP and courier stacks reconcile those receipts against receivables reference_id and BACEN validation state so a shop that takes NFC on Android 10, Pix at zero fee and a no-annual-fee card can close the day without a separate acquirer file. openData Studio turns that merchant session into callable open data.

Screenshots

  • InfinitePay Tap, Conta, Cartão screenshot 1
  • InfinitePay Tap, Conta, Cartão screenshot 2
  • InfinitePay Tap, Conta, Cartão screenshot 3
  • InfinitePay Tap, Conta, Cartão screenshot 4
  • InfinitePay Tap, Conta, Cartão screenshot 5
  • InfinitePay Tap, Conta, Cartão screenshot 6
  • InfinitePay Tap, Conta, Cartão screenshot 7
  • InfinitePay Tap, Conta, Cartão screenshot 8

API surface

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

  • Check password credentials

    POST /v1/merchants/sign-in opendata

    Confirms the merchant password and returns the jwt_token plus payload.message profile used as Bearer on later first-party calls.

    Auth: Unauthenticated. CPF/CNPJ handle plus password. On success a jwt_token is returned and sent as a Bearer token on later calls.

    • handle
    • password
    • device_authenticated
    • jwt_token
    • payload.message
    • id
    • has_password
    • is_company
    POST /v1/merchants/sign-in HTTP/1.1
    Content-Type: application/json
    
    {
      "handle": "loja.centro",
      "password": "********",
      "device_authenticated": true
    }
    {
      "jwt_token": "<jwt_token>",
      "payload": {
        "message": {
          "id": 88412019,
          "handle": "loja.centro",
          "has_password": true,
          "is_company": true
        }
      }
    }
  • List active auth sessions

    GET /v1/merchants/me/devices opendata

    Lists live devices on the merchant login so Team Mode phones and the owner's till can be revoked from the security settings.

    Auth: Authorization: Bearer jwt_token from password or QR sign-in.

    • sessions
    • id
    • handle
    • device_authenticated
    • ip_address
    • received_at
    GET /v1/merchants/me/devices HTTP/1.1
    Authorization: Bearer <jwt_token>
    {
      "sessions": [
        {
          "id": "sess-1a2b",
          "handle": "loja.centro",
          "device_authenticated": true,
          "ip_address": "203.0.113.10",
          "received_at": "2026-10-17T11:02:01Z"
        }
      ]
    }
  • Current merchant session

    GET /v1/merchants/me/profile openfinance

    Loads the signed-in PF/PJ merchant — wallets, cardholder, CNPJ document_number, products_allowed and legal_representative — for the home conta and till.

    Auth: Authorization: Bearer jwt_token from the password or QR sign-in.

    • include
    • payload.message
    • id
    • handle
    • user_handle
    • phone_number
    • is_company
    • avatar_url
    • cover_url
    • products_allowed
    • identity_validation
    • wallets
    • currency
    • amount
    • cardholder
    • merchant
    • document_number
    • legal_representative
    GET /v1/merchants/me/profile?include=wallets,cardholder,merchant HTTP/1.1
    Authorization: Bearer <jwt_token>
    {
      "payload": {
        "message": {
          "id": 88412019,
          "handle": "loja.centro",
          "user_handle": "loja.centro",
          "phone_number": "11987654321",
          "is_company": true,
          "avatar_url": "https://static.example.com/avatars/88412019.png",
          "cover_url": "https://static.example.com/covers/88412019.png",
          "products_allowed": ["tap", "pix", "payment_links", "card"],
          "identity_validation": {"status": "approved"},
          "wallets": [{"id": "wal-brl", "currency": "BRL", "amount": "18450.20"}],
          "cardholder": {"name": "Ana Souza"},
          "merchant": {"document_number": "12345678000195"},
          "legal_representative": {"document_number": "12345678901"}
        }
      }
    }
  • BACEN validation status

    GET /v1/merchants/me/compliance/status osint

    Reads BACEN / identity_validation status for the merchant so Pix, lending and card products unlock after KYC.

    Auth: Authorization: Bearer jwt_token from password or QR sign-in.

    • identity_validation
    • status
    • bacen_validations
    • invalid_data
    • document_number
    GET /v1/merchants/me/compliance/status HTTP/1.1
    Authorization: Bearer <jwt_token>
    {
      "identity_validation": {
        "status": "approved"
      },
      "bacen_validations": {
        "status": "approved",
        "invalid_data": false
      },
      "document_number": "12345678000195"
    }
  • Legal entity with merchant include

    GET /v1/entities/{entity_id} osint

    Returns the legal entity and nested merchant document_number, including account_kind MerchantPj versus PF, for CNPJ/CPF switching and select-account.

    Auth: Authorization: Bearer jwt_token from password or QR sign-in.

    • id
    • account_kind
    • handle
    • user_id
    • status
    • roles
    • merchant
    • document_number
    • accounts
    GET /v1/entities/88412019?include=merchant HTTP/1.1
    Authorization: Bearer <jwt_token>
    {
      "id": 88412019,
      "account_kind": "MerchantPj",
      "handle": "loja.centro",
      "user_id": 88412019,
      "status": "active",
      "roles": ["owner"],
      "merchant": {
        "document_number": "12345678000195"
      },
      "accounts": [
        {
          "user_id": 88412019,
          "account_kind": "MerchantPj",
          "handle": "loja.centro",
          "status": "active",
          "roles": ["owner"]
        }
      ]
    }
  • Capture InfiniteTap NFC sale

    POST /v1/payments/contactless/capture openbanking

    Authorizes an InfiniteTap contactless capture on an Android 10+ NFC phone and returns the nsu the sales screens key on.

    Auth: Authorization: Bearer jwt_token with a payments-write scope.

    • amount
    • currency
    • installments
    • entry_mode
    • handle
    • nsu
    • status
    • instant_transactions
    • transaction_info
    • brand
    POST /v1/payments/contactless/capture HTTP/1.1
    Authorization: Bearer <jwt_token>
    Content-Type: application/json
    
    {
      "amount": "199.90",
      "currency": "BRL",
      "installments": 1,
      "entry_mode": "nfc",
      "handle": "loja.centro"
    }
    {
      "nsu": "314159265",
      "status": "approved",
      "amount": "199.90",
      "currency": "BRL",
      "instant_transactions": true,
      "transaction_info": {
        "entry_mode": "nfc",
        "brand": "mastercard"
      }
    }
  • Index captured sales

    GET /v1/sales/daily opendata

    Pages the merchant's captured volume (current_tpv) and per-nsu sales for the day, analytics and fees screens.

    Auth: Authorization: Bearer jwt_token with a financial read scope.

    • date
    • handle
    • current_tpv
    • currency
    • sales
    • nsu
    • amount
    • status
    • received_at
    GET /v1/sales/daily?date=2026-10-17&handle=loja.centro HTTP/1.1
    Authorization: Bearer <jwt_token>
    {
      "current_tpv": "18450.20",
      "currency": "BRL",
      "sales": [
        {
          "nsu": "314159265",
          "amount": "199.90",
          "status": "approved",
          "received_at": "2026-10-17T14:02:11Z"
        }
      ]
    }
  • Sale receipt by NSU

    GET /v1/receipts/{nsu} openbanking

    Returns one captured sale by nsu for the receipt, chargeback and fees drill-down.

    Auth: Authorization: Bearer jwt_token.

    • nsu
    • amount
    • currency
    • status
    • handle
    • transaction_info
    • entry_mode
    • brand
    • received_at
    GET /v1/receipts/314159265 HTTP/1.1
    Authorization: Bearer <jwt_token>
    {
      "nsu": "314159265",
      "amount": "199.90",
      "currency": "BRL",
      "status": "approved",
      "handle": "loja.centro",
      "transaction_info": {
        "entry_mode": "nfc",
        "brand": "mastercard"
      },
      "received_at": "2026-10-17T14:02:11Z"
    }
  • Pix cash-out

    POST /v1/transfers/pix openbanking

    Sends a Pix cash-out from the PF/PJ wallets on the merchant session, the zero-fee unlimited Pix rail advertised next to InfiniteTap.

    Auth: Authorization: Bearer jwt_token. Requires identity_validation approved.

    • amount
    • currency
    • handle
    • pix_key
    • status
    • reference_id
    • received_at
    POST /v1/transfers/pix HTTP/1.1
    Authorization: Bearer <jwt_token>
    Content-Type: application/json
    
    {
      "amount": "350.00",
      "currency": "BRL",
      "handle": "loja.centro",
      "pix_key": "[email protected]"
    }
    {
      "status": "sent",
      "amount": "350.00",
      "currency": "BRL",
      "reference_id": "pix-9f21",
      "received_at": "2026-10-17T14:08:00Z"
    }
  • Receivable by reference

    GET /v1/settlements/{reference_id} openfinance

    Reads one receivable (1-business-day prepayment or installment plan) keyed by reference_id for the recebimentos screens.

    Auth: Authorization: Bearer jwt_token.

    • reference_id
    • nsu
    • amount
    • currency
    • status
    • receivables_details
    • settle_in_days
    • allow_payment_after_due_date
    GET /v1/settlements/recv-8841 HTTP/1.1
    Authorization: Bearer <jwt_token>
    {
      "reference_id": "recv-8841",
      "nsu": "314159265",
      "amount": "199.90",
      "currency": "BRL",
      "status": "prepaid",
      "receivables_details": {
        "settle_in_days": 1,
        "allow_payment_after_due_date": false
      }
    }
  • List issued cards

    GET /v1/cards/issued openfinance

    Lists the no-annual-fee smart card (1.5% cashback) and nested credit_statement rows for the Cartão Inteligente screens.

    Auth: Authorization: Bearer jwt_token with a card-issuing scope.

    • cards
    • id
    • cardholder
    • products_allowed
    • cashback_rate
    • credit_statement
    • amount
    • currency
    GET /v1/cards/issued HTTP/1.1
    Authorization: Bearer <jwt_token>
    {
      "cards": [
        {
          "id": "crd-1",
          "cardholder": {"name": "Ana Souza"},
          "products_allowed": ["virtual", "physical"],
          "cashback_rate": "0.015",
          "credit_statement": {
            "id": "stmt-10",
            "amount": "620.00",
            "currency": "BRL"
          }
        }
      ]
    }
  • Sales-backed lending snapshot

    GET /v1/financing/instant-loan openfinance

    Reads the instant loan (Empréstimo Inteligente) sized off captured current_tpv for the two-click in-app offer.

    Auth: Authorization: Bearer jwt_token with a lending scope.

    • handle
    • account_kind
    • current_tpv
    • active_loan
    • id
    • amount
    • currency
    • status
    GET /v1/financing/instant-loan HTTP/1.1
    Authorization: Bearer <jwt_token>
    {
      "handle": "loja.centro",
      "account_kind": "MerchantPj",
      "current_tpv": "18450.20",
      "active_loan": {
        "id": "loan-22",
        "amount": "5000.00",
        "currency": "BRL",
        "status": "open"
      }
    }

Data categories

  • accounts
  • kyc
  • balances
  • sales
  • pix
  • receivables
  • cards
  • lending

Where teams use this data

  • SoftPOS and delivery NSU reconciliation

    A shop or dark-kitchen ERP pulls each InfiniteTap capture by nsu, matches amount and current_tpv to the courier's phone, and flags Team Mode tills that settled off-shift.

  • Pix cash-out versus wallet headroom

    Treasury bots read wallets on the merchant session, send Pix cash-outs to suppliers, and stop the drain when identity_validation is still pending.

  • Receivables and MDR close

    Finance stacks walk receivables by reference_id against the daily sales listing so 1-business-day prepayment and installment plans land in the same ledger as the till.

  • Sales-backed lending watch

    A credit desk reads active_loan next to current_tpv and account_kind so a CNPJ merchant's instant loan is sized off captured volume, not a bureau file alone.

Frequently asked questions

What merchant fields does the signed-in session return?

GET /v1/merchants/me/profile returns wallets, cardholder, merchant.document_number, products_allowed, legal_representative, identity_validation, handle, is_company, phone_number and avatar_url once the sign-in JWT is attached.

How are InfiniteTap card sales identified?

Each capture is stored under nsu. GET /v1/sales/daily lists them for the day together with current_tpv; GET /v1/receipts/{nsu} returns the receipt the till, Team Mode phone or delivery rider just took, and receivables are keyed separately by reference_id.

Does the surface cover Pix and the digital account?

Yes. Wallets on the merchant profile hold the PF/PJ conta; POST /v1/transfers/pix sends Pix out; current_tpv is the captured volume the instant loan and cash-out limits sit against. Pix in on the till is the zero-fee sales rail advertised next to NFC.

How does InfinitePay authenticate merchants?

A password check at POST /v1/merchants/sign-in, or a QR sign-in from an already paired phone. The issued jwt_token is sent as a Bearer Authorization header on later first-party calls; GET /v1/merchants/me/devices lists live devices.

Apps similar to InfinitePay Tap, Conta, Cartão

  • Ton: maquininha, tap e conta — Stone Pagamentos' merchant app for Brazilian MEI and small shops pairs a physical Ton card machine and TapTon NFC on the phone with a free Conta Ton, Pix on the till, payment links and a no-annual-fee card.
  • Stone — Stone's TapStone turns an NFC phone into a card reader at the same rates as a Stone maquininha, sitting on a free Conta PJ with Pix, payment links, boletos and working-capital credit for larger Brazilian shops.
  • PagBank — PagBank Tap On accepts contactless debit and credit on the phone at no hardware cost, next to Moderninha card machines, a free PF/PJ digital account and unlimited Pix for Brazilian merchants.
  • Mercado Pago Point Tap — Mercado Pago Point Tap turns an Android 10+ NFC phone or iPhone 11+ into a contactless till, alongside Point card machines, Pix QR and a Mercado Pago digital account for in-person Brazilian sales.
  • Cielo Tap — Cielo Tap, inside the Cielo Gestão app, takes contactless debit, credit and wallets on the phone with no monthly fee, next to Cielo Flash and Smart terminals and instant Pix.
  • SumUp — SumUp Brazil lets sellers take contactless payments on the phone at no hardware cost, sell on a physical maquininha, and run free Pix through a SumUp digital account.
  • Getnet Get Tap — Santander's Getnet Get Tap turns a smartphone into a till for debit, credit in up to 12x and Pix, with Get Mini and Smart terminals and a free Get Conta that settles in two business days.

Topics

  • InfinitePay API
  • InfiniteTap NSU
  • CloudWalk merchant session
  • Pix cash-out
  • Brazilian SoftPOS
  • CNPJ document_number
  • wallets cardholder
  • active_loan TPV

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