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Rinne provides banking operations through integrated payment providers, allowing merchants to check balances, view statements, and process transfers.

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Bank accounts

Merchants can register multiple bank accounts for receiving settlements and processing transfers.

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Entity relationships

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Creating a bank account

curl -X POST https://api-sandbox.rinne.com.br/core/v1/merchants/MERCHANT_ID/bank-accounts \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "branch_number": "0001",
    "account_number": "12345-6",
    "account_type": "CHECKING",
    "account_holder_name": "Store Name Ltda.",
    "account_holder_document_number": "16525269000121",
    "ispb": "00000000"
  }'

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Account types

  • CHECKING: Checking account (conta corrente)
  • SAVINGS: Savings account (poupança)
  • SALARY: Salary account (conta salário)
  • PAYMENT: Payment account (conta pagamento)

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Primary account

Set one account as primary for default settlement operations: 
curl -X PATCH https://api-sandbox.rinne.com.br/core/v1/merchants/MERCHANT_ID/bank-accounts/ACCOUNT_ID \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "primary": true
  }'

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Checking balance

Get the current balance for a merchant’s account: 
curl "https://api-sandbox.rinne.com.br/core/v1/merchants/MERCHANT_ID/balance?provider=CELCOIN" \
  -H "x-api-key: YOUR_API_KEY"
Response: 
{
  "company_id": "merchant-123",
  "provider": "CELCOIN",
  "balance": 150000,
  "blocked_balance": 5000,
  "total_balance": 155000,
  "currency": "BRL"
}
  • balance: Available balance (in cents)
  • blocked_balance: Temporarily blocked funds
  • total_balance: Total balance including blocked funds

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Account statements

Retrieve transaction history for a merchant’s account: 
curl "https://api-sandbox.rinne.com.br/core/v1/merchants/MERCHANT_ID/statement?provider=CELCOIN&date_from=2025-01-01T00:00:00Z&date_to=2025-01-07T23:59:59Z" \
  -H "x-api-key: YOUR_API_KEY"
Providers enforce a maximum 7-day date range for statements.
Response includes all account movements: 
{
  "items": [
    {
      "movement_id": "mov-123",
      "occurred_at": "2025-01-05T10:30:00Z",
      "amount": 10000,
      "type": "CREDIT",
      "movement_type": "PIXPAYMENTIN",
      "balance_after": 150000
    }
  ],
  "page": 1,
  "page_size": 50,
  "total": 25,
  "total_pages": 1
}

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Cashouts

Transfer funds from a merchant’s provider account to an external bank account.

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Cashout flow

curl -X POST https://api-sandbox.rinne.com.br/core/v1/merchants/MERCHANT_ID/cashouts \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "request_id": "cashout-123",
    "origin_bank_account_id": "affiliated-account-id",
    "destination_bank_account_id": "external-account-id",
    "amount": 50000,
    "method": "PIX"
  }'

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Cashout requirements

  • Origin account must have an active affiliation
  • Destination account must belong to the merchant
  • Account holder documents must match
  • Sufficient balance in origin account

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Cashout status

StatusDescription
PENDINGCashout created, awaiting processing
PROCESSINGBeing processed by provider
COMPLETEDSuccessfully transferred
FAILEDTransfer failed

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Cashout pricing

Cashouts incur fees and costs based on pricing policies: 
{
  "amount": 50000,
  "fee": 350,
  "cost": 300,
  "fee_policy_id": "fee-policy-123",
  "cost_policy_id": "cost-policy-456"
}

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Internal transfers

Transfer funds between bank accounts within the same provider (organization only). 
curl -X POST https://api-sandbox.rinne.com.br/core/v1/banking/internal-transfers \
  -H "x-api-key: YOUR_ORG_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "request_id": "transfer-123",
    "origin_bank_account_id": "account-1",
    "destination_bank_account_id": "account-2",
    "amount": 25000
  }'

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Internal transfer requirements

  • Both accounts must have active affiliations
  • Accounts must be with the same provider
  • Only organizations can create internal transfers
  • Origin and destination must be different accounts

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Automatic transfers

Configure automatic settlement transfers for merchants: 
{
  "transfer_configurations": {
    "automatic_transfer_enabled": true,
    "transfer_frequency": "DAILY",
    "transfer_date": 1,
    "rail": "PIX"
  }
}
  • DAILY: Transfer every day
  • WEEKLY: Transfer on specified day of week
  • MONTHLY: Transfer on specified day of month (1-28)

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Next steps

PIX Payments

Process instant PIX payments

Pricing

Understand fee and cost policies