mcp-santander

@codespar/mcp-santander

MCP server for Santander Brasil — 3rd largest private bank in Brazil.

Completes the top-3 BR private-bank trio: Itaú + Bradesco + Santander. Same OAuth2 + mTLS shape as its peers; different merchant contract.

Merchants with meaningful Pix, boleto, and cash-management volume integrate directly with Santander instead of going through a PSP.

Status: alpha (0.1.0-alpha.1)

Santander's Developer Portal is contract-gated — the full OpenAPI specs for Pix, Cobrança, Arrecadação, and Extrato are only visible to onboarded merchants. The following pieces are verified against Santander's public integration guides:

• Production host: https://trust-open.api.santander.com.br
• Sandbox host: https://trust-sandbox.api.santander.com.br
• OAuth2 token: /auth/oauth/v2/token
• Cobrança v2 base: /collection_bill_management/v2/workspaces/{workspace_id}/bank_slips

Remaining paths (Pix, Arrecadação, Extrato) are best-guesses based on (a) BACEN Pix v2 standard paths, (b) Santander public marketing, and (c) conventions shared across Itaú / Bradesco / BB. Every unverified path is flagged TODO(verify) in the source.

Pin to exact versions during 0.1.x; paths will be corrected to match the portal spec once an onboarded merchant can validate.

Tools (23)

Tool	Purpose
get_oauth_token	Mint or return a cached OAuth2 client_credentials bearer token for the Santander Developer Portal.
send_pix	Initiate an outbound Pix payment from the merchant's Santander account.
create_pix_qr	Create a dynamic Pix charge with QR code (cob).
get_pix	Retrieve a Pix transaction by its BCB endToEndId (E).
resolve_dict_key	Resolve a DICT key (CPF, CNPJ, email, phone, EVP) to the owner's account data before sending a Pix.
refund_pix	Refund (devolução) a previously received Pix.
create_boleto	Issue a boleto via Santander Cobrança (collection_bill_management v2).
get_boleto	Retrieve a boleto by its Santander bill_id (SONDA query via collection_bill_management v2).
cancel_boleto	Cancel (baixa) an outstanding boleto before payment.
get_statement	Retrieve account statement transactions for a given period.
create_pix_cobv	Create a Pix charge with due date (cobv — cobrança com vencimento).
get_pix_cob	Retrieve a Pix immediate charge (cob) by its txid.
list_pix_cob	List Pix immediate charges (cob) created in a given period.
update_pix_cob	Update (PATCH) an existing Pix immediate charge.
list_pix_received	List received Pix (Pix recebidos) in a given period.
register_dict_key	Register a new DICT key for one of the merchant's Santander accounts.
delete_dict_key	Remove (unregister) a DICT key previously registered for the merchant.
download_boleto_pdf	Fetch the PDF (second copy / segunda via) of a registered boleto.
get_account_balance	Get current available and blocked balance for a Santander merchant account.
send_ted	Initiate a TED transfer from a Santander merchant account to an account at another bank.
transfer_internal	Transfer between two Santander accounts (TEF / mesma instituição).
create_openfinance_consent	Create an Open Finance consent (BACEN-regulated) for data access or payment initiation against a third-part...
arrecadacao_pay	Pay a utility, tax, or concessionária bill via Santander Arrecadação / Pagamento de Contas.

Install

npm install @codespar/[email protected]

Environment

SANTANDER_CLIENT_ID="..."       # OAuth client_id from Santander's Developer Portal
SANTANDER_CLIENT_SECRET="..."   # OAuth client_secret
SANTANDER_CERT_PATH="/abs/path/to/client.crt"   # mTLS client certificate
SANTANDER_KEY_PATH="/abs/path/to/client.key"    # mTLS private key
SANTANDER_ENV="sandbox"                         # or "production" (default: sandbox)

Authentication

Two factors are both required on every call:

1. OAuth2 client_credentials — the server POSTs to /auth/oauth/v2/token on the trust-open (or trust-sandbox) gateway, caches the bearer until ~60s before expiry, and attaches Authorization: Bearer <token> to downstream calls.
2. mTLS — BACEN mandates mutual TLS for Pix v2, and Santander's trust-open gateway enforces it across product families. The server loads the client certificate and private key from the paths you set, builds a Node https.Agent, and routes every request through it.

You obtain the cert + key bundle from the Santander Developer Portal after your merchant contract is signed. They are distinct from the OAuth credentials.

Cobrança: workspace model

Santander's Cobrança v2 is workspace-scoped. Before registering boletos you provision one or more workspace_ids via the Developer Portal — each binds a convênio, boleto/Pix billing mode, and webhook URL. The create_boleto, get_boleto, and cancel_boleto tools all take a workspace_id argument.

Run

# stdio (default)
npx @codespar/mcp-santander

# HTTP transport
MCP_HTTP=true MCP_PORT=3000 npx @codespar/mcp-santander

Caveats

• Pix / Arrecadação / Extrato paths are unverified. See the TODO(verify) markers in src/index.ts. Onboarded merchants should validate against their portal-issued OpenAPI spec and open a PR.
• Cobrança cancel is modelled as a PATCH with status: "BAIXADO"; the covenant-specific cancellation semantics may differ.
• Arrecadação barcode validation is server-side in this alpha — no client-side mod-10 / mod-11 check yet.

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