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server for Iniciador — Open Finance Brasil PISP (Pix payment initiation aggregator)","maintainers":[{"name":"codespar-npm","email":"fabiano@codespar.dev"},{"name":"dangazineu","email":"daniel.gazineu@gmail.com"}],"readme":"# @codespar/mcp-iniciador\n\nMCP server for **Iniciador** — Open Finance Brasil PISP (Pix payment initiation aggregator). Iniciador holds the ICP-Brasil certificate and orchestrates DCR with each Brazilian bank for instant Pix-out flows.\n\n## Quick Start\n\n### Claude Desktop\n\nAdd to your `claude_desktop_config.json`:\n\n```json\n{\n \"mcpServers\": {\n \"iniciador\": {\n \"command\": \"npx\",\n \"args\": [\"@codespar/mcp-iniciador\"],\n \"env\": {\n \"INICIADOR_API_KEY\": \"your-api-key\"\n }\n }\n }\n}\n```\n\n### Cursor / VS Code\n\nSame config in `.cursor/mcp.json`.\n\n## Tools (9)\n\n### Institutions\n\n| Tool | Iniciador endpoint | Notes |\n|---|---|---|\n| `list_institutions` | `GET /institutions` | Brazilian banks supported for Pix initiation |\n\n### Consents\n\n| Tool | Iniciador endpoint | Notes |\n|---|---|---|\n| `create_consent` | `POST /consents` | Payment consent for the payer to authorize at their bank |\n| `get_consent` | `GET /consents/{id}` | Current authorization status |\n| `revoke_consent` | `DELETE /consents/{id}` | Revoke before exercise |\n\n### Payments\n\n| Tool | Iniciador endpoint | Notes |\n|---|---|---|\n| `create_payment` | `POST /payments` | Initiate Pix once consent is authorized |\n| `get_payment` | `GET /payments/{id}` | Status / E2E id / rejection reason |\n| `list_payments` | `GET /payments` | Filter by date range / status |\n| `cancel_payment` | `POST /payments/{id}/cancel` | Best-effort cancel before settlement |\n\n### Helpers\n\n| Tool | Notes |\n|---|---|\n| `get_authorization_url` | Client-side builder for the OFB authorization URL (consent id + ISPB + redirect) |\n\n## Authentication\n\nThis server uses Iniciador's API key auth (`X-API-KEY` header). The Pix-out call itself is signed end-to-end with the consumer's bank-issued consent token, which Iniciador's backend stitches in after the payer authorizes the consent at their bank. OAuth2 client-credentials is required for some flows and lands when consent + bank-issued token plumbing is wired end-to-end.\n\nIssue credentials during Iniciador onboarding:\n\n- Production: \n- Docs: \n\n## Sandbox / Testing\n\nSandbox endpoint: `https://sandbox.iniciador.com.br`. Override via `INICIADOR_API_BASE`.\n\n## Environment Variables\n\n| Variable | Required | Description |\n|---|---|---|\n| `INICIADOR_API_KEY` | yes | API key from Iniciador onboarding |\n| `INICIADOR_API_BASE` | no | Override API base URL (default `https://api.iniciador.com.br`) |\n\n## Iniciador vs Pluggy vs Belvo\n\nThree OFB aggregators in this catalog, each with a different specialty:\n\n| Aggregator | Strength | Best for |\n|---|---|---|\n| **[Iniciador](https://iniciador.com.br)** | Pix payment initiation (PISP) | Outgoing payments under OFB consent |\n| **[Pluggy](https://www.pluggy.ai/en)** (`@codespar/mcp-pluggy`) | Account + transaction reads | Reconciliation, balance polling |\n| **[Belvo](https://belvo.com/pt-br/)** (`@codespar/mcp-belvo`) | Multi-LATAM Open Finance + payroll + tax | Cross-border (BR + MX + CO + AR) |\n\nFor commerce agents that need both reads and writes, compose them — Pluggy/Belvo for account + recon visibility + Iniciador for Pix initiation.\n\n## Enterprise\n\nNeed governance, budget limits, and audit trails for agent payments? [CodeSpar Enterprise](https://codespar.dev/enterprise) adds policy engine, payment routing, and compliance templates on top of these MCP servers.\n\n## License\n\nMIT\n","readmeFilename":"README.md"}