Efí Bank — Payment Gateways

Brazilian payment institution authorised by the Central Bank, specialising in Pix and Pix via Open Finance APIs for sports betting after nearly two decades of operation.

## From a bedroom in Ouro Preto to a Central Bank authorised payment institution Efí Bank was born in 2007 in Ouro Preto, Minas Gerais, under the name Gerencianet. The company was founded by Evanil de Paula as a practical response to a problem he faced himself while selling ecommerce development: his clients could not integrate payment methods. From that garage in Ouro Preto the operation grew into a payment institution authorised by the Central Bank of Brazil under bank code 364, into an independent financial company and into a holding with benefits and customer service divisions. In 2025 the institution was reclassified to Segment S4, placing it among the most relevant Brazilian financial institutions in terms of size and regulatory expectations. ## Co-creation of Pix and an early position in Open Finance The feature that most clearly sets Efí Bank apart from a generic PSP is the historical role it played in building Pix. The company was part of the Central Bank project that designed the payment arrangement, became a direct participant and was among the first five institutions authorised as a payment initiator in the Open Finance environment. For a betting house operating under Brazil's SPA regulations, that genealogy matters because it means the technical stack was built from within the regulatory standard rather than adapted to it after the fact. ## Developer-oriented APIs to integrate the betting operation The concrete proposition for a betting house comes down to three APIs: Pix API with immediate billing, billing with due date, refunds and payment splits; Pix via Open Finance API to initiate payments inside the operator's own site or app without sending the player to another screen; and Pix Automático for recurring payments authorised with a single initial approval. SDKs are available in PHP, Node, Python, Ruby, Java, Go and Delphi, with a community of more than 10,000 developers on Discord that keeps the integration on the operator's side moving with fast support. ## efipay.bet and an explicit position in iGaming In 2024 the group launched a site dedicated to the betting sector at efipay.bet, with compliance guides aligned with the Brazilian sports betting legislation and operational metrics tuned for the vertical: Pix confirmation in less than 10 seconds, 24/7 availability all year round, cash-in for deposits and cash-out for prize payouts. In 2024 the company processed more than R$57 billion and more than 6 billion API requests, numbers that give a sense of the infrastructure carrying a relevant share of Brazilian retail. For a regulated betting house that needs a Brazilian PSP with a local licence and a proven compliance track record, that operational solidity is the difference between integrating with someone arriving at the sector and someone already inside it.

Efí Bank - Technical Sheet
Founded	2007
HQ	Ouro Preto, Brasil
Country	Brasil
City	Ouro Preto
Employees	201-500
Licenses	Instituição de Pagamento (Banco Central do Brasil, código 364), Sociedade de Crédito, Financiamento e Investimento, Iniciadora de Pagamento no Open Finance
Certifications	Segmento S4 BCB, Great Place to Work
Products	Pix API for billing and payouts, Pix via Open Finance API, Pix Automático for recurring payments, Bolix (boleto plus Pix), Payment split for automatic disbursements, Anti-fraud and bank reconciliation
Web	https://sejaefi.com.br