@codespar/mcp-iniciador

MCP 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.

Quick Start

Claude Desktop

Add to your claude_desktop_config.json:

{
  "mcpServers": {
    "iniciador": {
      "command": "npx",
      "args": ["@codespar/mcp-iniciador"],
      "env": {
        "INICIADOR_API_KEY": "your-api-key"
      }
    }
  }
}

Cursor / VS Code

Same config in .cursor/mcp.json.

Tools (9)

Institutions

| Tool | Iniciador endpoint | Notes | |---|---|---| | list_institutions | GET /institutions | Brazilian banks supported for Pix initiation |

Consents

| Tool | Iniciador endpoint | Notes | |---|---|---| | create_consent | POST /consents | Payment consent for the payer to authorize at their bank | | get_consent | GET /consents/{id} | Current authorization status | | revoke_consent | DELETE /consents/{id} | Revoke before exercise |

Payments

| Tool | Iniciador endpoint | Notes | |---|---|---| | create_payment | POST /payments | Initiate Pix once consent is authorized | | get_payment | GET /payments/{id} | Status / E2E id / rejection reason | | list_payments | GET /payments | Filter by date range / status | | cancel_payment | POST /payments/{id}/cancel | Best-effort cancel before settlement |

Helpers

| Tool | Notes | |---|---| | get_authorization_url | Client-side builder for the OFB authorization URL (consent id + ISPB + redirect) |

Authentication

This 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.

Issue credentials during Iniciador onboarding:

• Production: https://iniciador.com.br
• Docs: https://docs.iniciador.com.br

Sandbox / Testing

Sandbox endpoint: https://sandbox.iniciador.com.br. Override via INICIADOR_API_BASE.

Environment Variables

| Variable | Required | Description | |---|---|---| | INICIADOR_API_KEY | yes | API key from Iniciador onboarding | | INICIADOR_API_BASE | no | Override API base URL (default https://api.iniciador.com.br) |

Iniciador vs Pluggy vs Belvo

Three OFB aggregators in this catalog, each with a different specialty:

| Aggregator | Strength | Best for | |---|---|---| | Iniciador | Pix payment initiation (PISP) | Outgoing payments under OFB consent | | Pluggy (@codespar/mcp-pluggy) | Account + transaction reads | Reconciliation, balance polling | | Belvo (@codespar/mcp-belvo) | Multi-LATAM Open Finance + payroll + tax | Cross-border (BR + MX + CO + AR) |

For commerce agents that need both reads and writes, compose them — Pluggy/Belvo for account + recon visibility + Iniciador for Pix initiation.

Enterprise

Need governance, budget limits, and audit trails for agent payments? CodeSpar Enterprise adds policy engine, payment routing, and compliance templates on top of these MCP servers.

License

MIT