With Belvo's Open Finance Data Aggregation (OFDA) product for Brazil, you can retrieve key information regarding each transaction that occurred for a given account.

For each transaction, you receive:

• Core information about the transaction (amount, currency, description, date, the account that the transaction belongs to).
• In the case that the transaction was a PIX transaction, information regarding the other party.
• In the case that the transaction is from a credit card account, detailed information regarding any fees that were applied, whether it was an installment, and on what bill the transaction appears on.
• In the case that the transaction is from a loan-type account, detailed information regarding any fees or charges that were applied to the loan repayment.

Core Information

Within the core transaction information, Open Finance provides you with more robust and standardized data such as the account subtype, improved agency and account information, as well as the bank's internal identification for the field (all standardized across any partner in the Open Finance network).

{
  "id": "076c66e5-90f5-4e01-99c7-50e32f65ae42",
  "link": "0cb4806-6e00-48a4-91c9-ca55968576c8",
  "created_at": "2022-02-09T08:45:50.406032Z",
  "collected_at": "2022-02-09T08:45:50.406032Z",
  "account": {},  // See our dedicated Accounts (OFDA) Data article
  "internal_identification": "TXpRMU9UQTROM",
  "value_date": "2019-10-23",
  "transacted_at": "2019-10-23T13:01:41.941Z",
  "accounting_date": "2019-10-23",
  "amount": "2145.45",
  "local_currency_amount": "2145.45",
  "currency": "BRL",
  "description": "SEVEN BUDDHAS CNPJ:XXXXXXXXXX",
  "type": "INFLOW",
  "status": "PROCESSED",
  "category": "Income & Payments",
  "subcatory": "Freelance",
  "payment_type": "FULL",
  "operation_type": "PIX",
  "operation_type_additional_info": "Informações sobre a transação PIX",
  "mcc": "5137",
  "counterparty": {},  // See the specific counterparty section below
  "credit_card_data": {},  // See the specific credit_card_data section below
  "loan_data": {} //  // See the specific loan_data section below
}

* transacted_at

For transactions that occurred before 31.01.2024, the timestamp may only indicate the day (for example, 2016-01-29T00:00:00.000Z). However, transactions that occurred after this date must include the date and time (2024-02-20T12:29:03.374Z).

Some institutions may not provide the exact time of the transaction. In this case, the timestamp will be set to 00:00:00.000Z. Belvo has identified the following institutions as not abiding by the regulation and have raised the issue with regulators: Bradesco, Itau, and Sicoob.

counterparty

In the counterparty object, we provide you with the information regarding the other party involved in the transaction, where possible within the Brazil Open Finance Network.

{
  "counterparty": {
    "type": "INDIVIDUAL",
    "document_number": "43908445778",
    "clearing_code": "001",
    "agency": "6272",
    "check_digit": "7",
    "number": "67890854360"
  }
}

credit_card_data

For transactions coming from credit card account, we include specific information regarding the transaction In the credit_card_data object. This includes any fees that might be applied to the transaction and what bill it appears on (only applicable for bills that are closed).

{
  "credit_card_data": {
    "collected_at": "2022-02-09T08:45:50.406032Z",
    "bill_name": "apr-2023",
    "bill_due_date": "2023-04-16",
    "bill_internal_identification": "9279212601992927921",
    "bill_amount": 300,
    "card_number": "4453",
    "fee_type": "NATIONAL_WITHDRAWAL",
    "fee_type_additional_info": "ATM withdrawal in Coriciba.",
    "credits_type": "REVOLVING_CREDIT",
    "credits_type_additional_info": null,
    "installment_identifier": "PARCELA_896",
    "number_of_installments": 4,
    "credit_card_bill": {
      "id": "8e9d13c2-af41-4a49-b43e-2da012bd1d11",
      "internal_identification": "9279212601992927921"
    }
  }
}

credit_card_bill

In the credit_card_bill object, we provide you with the reference information regarding the bill that this transaction appears on. For more information regarding the bill, use the Bills (OFDA) resource.

loan_data

For transactions coming from loan-type account (loan repayment transactions), we include specific information regarding the transaction In the loan_data object. This includes information regarding the installment, fees, and charges.

{
  "loan_data": {
    "is_detached": true,
    "installment_id": "WGx0aExYcEJMVm93TFRsZFcyRXRla0V0V2pBdE9Wd3RYWH",
    "fees": [
      {
        "name": "Reavaliação periódica do bem",
        "code": "aval_bem",
        "amount": 8903.77
      }
    ],
    "charges": [
      {
        "type": "MULTA_ATRASO_PAGAMENTO",
        "info": "Late payment charge.",
        "amount": 8903.77
      }
    ]
  }
}

fees

In the case the the loan repayment is detached, the fees array will include detailed information regarding the fees applied on the loan repayment.

charges

In the case the the loan repayment is detached, the charges array will include detailed information regarding the charge applied on the loan repayment.