mcp-iniciador

@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