Cria uma cobrança e devolve tudo que você precisa para exibir o pagamento dentro da sua própria interface — sem redirecionar o cliente. É a base do checkout transparente.Se você não precisa desse controle, o caminho mais simples continua sendo o link de pagamento ou a Checkout Session, onde a Garu hospeda a página de pagamento.
A cobrança é sempre feita em cima de um produto. Crie o produto uma vez com POST /api/v1/products e use o uuid dele aqui.
Token de uma Checkout Session criada previamente. Use quando quiser aproveitar metadata e client_reference_id da session mantendo o checkout na sua interface.
Cartão: servidor-para-servidor apenas. Este endpoint recebe o número do cartão e o CVV em texto claro. Chame-o exclusivamente do seu backend — nunca do navegador nem de um aplicativo, onde a sua chave de API e os dados do cartão ficariam expostos.Processar dados de cartão no seu servidor coloca a sua operação no escopo do PCI DSS. Se você prefere não assumir isso, use pix e boleto aqui e deixe o cartão para a página hospedada da Garu.
O pix.code é o copia-e-cola (padrão EMV). Renderize-o como QR Code com qualquer biblioteca do seu stack — não devolvemos imagem justamente para que nada no seu checkout venha de um domínio de terceiros.O boleto.pdfUrl aponta para o domínio da Garu e pode ser entregue direto ao seu cliente: é uma URL pública, que não exige chave de API.
O expiresAt só vem preenchido para boleto, com o vencimento (8 dias após a criação). Para PIX e cartão ele vem null.Motivo: hoje a Garu não define uma janela de expiração própria para o código PIX. Em vez de devolver um valor que não corresponde a nada, devolvemos null. Se o seu fluxo precisa de um prazo para o PIX, controle-o do seu lado.
amount é o preço base do produto. chargedTotal é o que o cliente foi efetivamente cobrado.Eles são iguais em PIX, boleto e cartão em 1×. Em parcelamento no cartão o chargedTotal é maior, porque inclui o acréscimo do parcelamento: um produto de R$ 349,00 em 2× resulta em amount: 349.00 e chargedTotal: 358.52.Use chargedTotal para reconciliar o que foi cobrado e amount para casar com o seu catálogo.
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{`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"code\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0A3069`,\"--shiki-dark\":`#CE9178`},children:`\"00020101021226840014br.gov.bcb.pix...\"`})]}),`\n`,_jsx(_components.span,{className:`line`,children:_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:` },`})}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"boleto\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0550AE`,\"--shiki-dark\":`#569CD6`},children:`null`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`,`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"card\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0550AE`,\"--shiki-dark\":`#569CD6`},children:`null`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`,`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"refund\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0550AE`,\"--shiki-dark\":`#569CD6`},children:`null`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`,`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"createdAt\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0A3069`,\"--shiki-dark\":`#CE9178`},children:`\"2026-07-22T14:03:11.000Z\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`,`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"expiresAt\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0550AE`,\"--shiki-dark\":`#569CD6`},children:`null`})]}),`\n`,_jsx(_components.span,{className:`line`,children:_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`}`})}),`\n`]})})}),`\n`,_jsx(Heading,{level:`3`,id:`blocos-por-método-de-pagamento`,children:`Blocos por método de pagamento`}),`\n`,_jsxs(_components.p,{children:[`Exatamente um dos três vem preenchido, conforme o `,_jsx(_components.code,{children:`paymentMethod`}),`:`]}),`\n`,_jsxs(CodeGroup,{children:[_jsx(CodeBlock,{filename:`PIX`,numberOfLines:`1`,language:`json`,children:_jsx(_components.pre,{className:`shiki shiki-themes github-light-default 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98650000034900\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`,`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"pdfUrl\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0A3069`,\"--shiki-dark\":`#CE9178`},children:`\"https://garu.com.br/api/v1/charges/6f1c9b2e-.../boleto.pdf\"`})]}),`\n`,_jsx(_components.span,{className:`line`,children:_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`}`})}),`\n`]})})}),_jsx(CodeBlock,{filename:`Cartão`,numberOfLines:`5`,language:`json`,children:_jsx(_components.pre,{className:`shiki shiki-themes github-light-default dark-plus`,style:{backgroundColor:`#ffffff`,\"--shiki-dark-bg\":`#0B0C0E`,color:`#1f2328`,\"--shiki-dark\":`#D4D4D4`},language:`json`,children:_jsxs(_components.code,{language:`json`,numberOfLines:`5`,children:[_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#0A3069`,\"--shiki-dark\":`#CE9178`},children:`\"card\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: {`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"brand\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0A3069`,\"--shiki-dark\":`#CE9178`},children:`\"visa\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`,`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"last4\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0A3069`,\"--shiki-dark\":`#CE9178`},children:`\"1111\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`,`})]}),`\n`,_jsxs(_components.span,{className:`line`,children:[_jsx(_components.span,{style:{color:`#116329`,\"--shiki-dark\":`#9CDCFE`},children:` \"authorizationCode\"`}),_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`: `}),_jsx(_components.span,{style:{color:`#0A3069`,\"--shiki-dark\":`#CE9178`},children:`\"123456\"`})]}),`\n`,_jsx(_components.span,{className:`line`,children:_jsx(_components.span,{style:{color:`#1F2328`,\"--shiki-dark\":`#D4D4D4`},children:`}`})}),`\n`]})})})]}),`\n`,_jsxs(_components.p,{children:[`O `,_jsx(_components.code,{children:`pix.code`}),` é o `,_jsx(_components.strong,{children:`copia-e-cola`}),` (padrão EMV). Renderize-o como QR Code com qualquer biblioteca do seu stack — não devolvemos imagem justamente para que nada no seu checkout venha de um domínio de terceiros.`]}),`\n`,_jsxs(_components.p,{children:[`O `,_jsx(_components.code,{children:`boleto.pdfUrl`}),` aponta para o domínio da Garu e pode ser entregue direto ao seu cliente: é uma URL pública, que não exige chave de API.`]}),`\n`,_jsxs(Heading,{level:`3`,id:`sobre-o-expiresat`,children:[`Sobre o `,_jsx(_components.code,{children:`expiresAt`})]}),`\n`,_jsxs(Note,{children:[_jsxs(_components.p,{children:[`O `,_jsx(_components.code,{children:`expiresAt`}),` só vem preenchido para `,_jsx(_components.strong,{children:`boleto`}),`, com o vencimento (8 dias após a criação). Para PIX e cartão ele vem `,_jsx(_components.code,{children:`null`}),`.`]}),_jsxs(_components.p,{children:[`Motivo: hoje a Garu não define uma janela de expiração própria para o código PIX. Em vez de devolver um valor que não corresponde a nada, devolvemos `,_jsx(_components.code,{children:`null`}),`. Se o seu fluxo precisa de um prazo para o PIX, controle-o do seu lado.`]})]}),`\n`,_jsxs(Heading,{level:`3`,id:`valores-amount-e-chargedtotal`,children:[`Valores: `,_jsx(_components.code,{children:`amount`}),` e `,_jsx(_components.code,{children:`chargedTotal`})]}),`\n`,_jsxs(Note,{children:[_jsxs(_components.p,{children:[_jsx(_components.strong,{children:_jsx(_components.code,{children:`amount`})}),` é o preço base do produto. `,_jsx(_components.strong,{children:_jsx(_components.code,{children:`chargedTotal`})}),` é o que o cliente foi efetivamente cobrado.`]}),_jsxs(_components.p,{children:[`Eles são iguais em PIX, boleto e cartão em 1×. Em parcelamento no cartão o `,_jsx(_components.code,{children:`chargedTotal`}),` é `,_jsx(_components.strong,{children:`maior`}),`, porque inclui o acréscimo do parcelamento: um produto de R$ 349,00 em 2× resulta em `,_jsx(_components.code,{children:`amount: 349.00`}),` e `,_jsx(_components.code,{children:`chargedTotal: 358.52`}),`.`]}),_jsxs(_components.p,{children:[`Use `,_jsx(_components.code,{children:`chargedTotal`}),` para reconciliar o que foi cobrado e `,_jsx(_components.code,{children:`amount`}),` para casar com o seu catálogo.`]})]}),`\n`,_jsx(Heading,{level:`2`,id:`erros`,children:`Erros`}),`\n`,_jsxs(Table,{children:[_jsx(_components.thead,{children:_jsxs(_components.tr,{children:[_jsx(_components.th,{children:`Código`}),_jsx(_components.th,{children:`Quando acontece`})]})}),_jsxs(_components.tbody,{children:[_jsxs(_components.tr,{children:[_jsx(_components.td,{\"data-numeric\":`true`,children:_jsx(_components.code,{children:`400`})}),_jsx(_components.td,{children:`Dados inválidos (documento, telefone, cartão) ou pagamento recusado pela operadora`})]}),_jsxs(_components.tr,{children:[_jsx(_components.td,{\"data-numeric\":`true`,children:_jsx(_components.code,{children:`401`})}),_jsx(_components.td,{children:`Chave de API ausente ou inválida`})]}),_jsxs(_components.tr,{children:[_jsx(_components.td,{\"data-numeric\":`true`,children:_jsx(_components.code,{children:`404`})}),_jsxs(_components.td,{children:[`O `,_jsx(_components.code,{children:`productId`}),` não existe ou não pertence à conta da chave usada`]})]})]})]}),`\n`,_jsx(Heading,{level:`2`,id:`próximos-passos`,children:`Próximos passos`}),`\n`,_jsxs(_components.p,{children:[`Depois de criar a cobrança, acompanhe o pagamento por `,_jsx(_components.a,{href:`/api-reference/webhooks`,children:`webhook`}),` ou consultando `,_jsx(_components.a,{href:`/api-reference/cobrancas/detalhes`,children:_jsx(_components.code,{children:`GET /api/v1/charges/{uuid}`})}),`.`]})]})}function MDXContent(props={}){const{wrapper:MDXLayout}={..._provideComponents(),...props.components};return MDXLayout?_jsx(MDXLayout,{...props,children:_jsx(_createMdxContent,{...props})}):_createMdxContent(props)}return{default:MDXContent};function _missingMdxReference(id,component){throw new Error(`Expected `+(component?`component`:`object`)+\" `\"+id+\"` to be defined: you likely forgot to import, pass, or provide it.\")}","frontmatter":{},"scope":{"config":{},"pageMetadata":{"title":"Criar Cobrança","description":"Crie uma cobrança PIX, boleto ou cartão e receba os dados para exibir o pagamento no seu próprio checkout","api":"POST /api/v1/charges","href":"/api-reference/cobrancas/criar"}}},"mdxSourceWithNoJs":null},"mdxExtracts":{"tableOfContents":[{"title":"Visão Geral","slug":"visão-geral","depth":2,"children":[]},{"title":"Headers","slug":"headers","depth":2,"children":[]},{"title":"Request Body","slug":"request-body","depth":2,"children":[]},{"title":"Exemplo de Requisição","slug":"exemplo-de-requisição","depth":2,"children":[]},{"title":"Resposta de Sucesso (201 Created)","slug":"resposta-de-sucesso-201-created","depth":2,"children":[{"title":"Blocos por método de pagamento","slug":"blocos-por-método-de-pagamento","depth":3,"children":[]},{"title":"Sobre o expiresAt","slug":"sobre-o-expiresat","depth":3,"children":[]},{"title":"Valores: amount e chargedTotal","slug":"valores-amount-e-chargedtotal","depth":3,"children":[]}]},{"title":"Erros","slug":"erros","depth":2,"children":[]},{"title":"Próximos passos","slug":"próximos-passos","depth":2,"children":[]}],"codeExamples":{},"endpoint":{"title":"Criar Cobrança","path":"/api/v1/charges","method":"post","request":{"security":[],"parameters":{"query":{},"header":{"Authorization":{"schema":[{"type":"string","description":"Sua chave de API ( `Bearer sk_live_...` )","required":true}]},"Content-Type":{"schema":[{"type":"string","description":"`application/json`","required":true}]},"X-Idempotency-Key":{"schema":[{"type":"string","description":"Chave única por cobrança. 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Obrigatório apenas quando `paymentMethod` = `creditCard` ."}],"checkoutSessionToken":[{"type":"string","description":"Token de uma Checkout Session criada previamente. 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cobrança"}]}}],"examples":{"example":{"value":{"productId":"\u003cstring>","paymentMethod":"\u003cstring>","customer":{"customer.name":"\u003cstring>","customer.email":"\u003cstring>","customer.document":"\u003cstring>","customer.phone":"\u003cstring>","customer.zipCode":"\u003cstring>","customer.street":"\u003cstring>","customer.number":"\u003cstring>","customer.complement":"\u003cstring>","customer.neighborhood":"\u003cstring>","customer.city":"\u003cstring>","customer.state":"\u003cstring>"},"card":{"card.number":"\u003cstring>","card.holderName":"\u003cstring>","card.expirationDate":"\u003cstring>","card.cvv":"\u003cstring>","card.installments":123},"checkoutSessionToken":"\u003cstring>","additionalInfo":"\u003cstring>"}}}}}},"response":{},"deprecated":false}},"jsLinks":[],"subdomain":"garu","siteName":"Garu","title":"Criar Cobrança - 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