VA · RFI - BPN OpenAPI

Parent: Overview
Updated: 2026-10-27

Compliance remediation is driven asynchronously by webhooks — not by a fixed amount threshold. It is decoupled from the main Payin flow: the payin can keep progressing while remediation is handled separately via SUB_VIRTUAL_ACCOUNT_RFI_REQUIRED.

#	Document	Method / Event	Path
1	Sub Virtual Account RFI Required	Webhook	`SUB_VIRTUAL_ACCOUNT_RFI_REQUIRED`
2	List RFI Sub Virtual Account	`GET`	`/v1/virtual-account/sub/rfi-list`
3	Get Sub Virtual Account RFI Template Info	`GET`	`/v1/virtual-account/sub/rfi-template`
4	Sub Virtual Account Submit RFI	`POST`	`/v1/virtual-account/sub/submit-rfi`

1. Overview

When a Sub Virtual Account (Sub VA) requires additional compliance materials (RFI — Request for Information), the platform notifies the merchant via webhook, then the merchant:

Receives Sub Virtual Account RFI Required (push), and/or polls List RFI Sub Virtual Account

Calls Get Sub Virtual Account RFI Template Info to load the question / file checklist

Calls Sub Virtual Account Submit RFI to upload answers and documents

Continues to receive the same webhook (or re-list) as review progresses — use rfiStatus for the latest outcome

Quick steps

Webhook (async): SUB_VIRTUAL_ACCOUNT_RFI_REQUIRED

GET /v1/virtual-account/sub/rfi-template

POST /v1/virtual-account/sub/submit-rfi

Poll GET /v1/virtual-account/sub/rfi-list / GET /v1/virtual-account/sub/get until rfiStatus / account or order status updates

Integration notes

Before remediation completes, Payin / Payout orders may stay in intermediate states for a long time.

Do not blindly re-fire payout while status is RESUBMIT / RFI incomplete.

Account-side statuses: VA · Statuses · VirtualAccountStatus.

RFI state machine: VA · Statuses · VirtualAccountRFIStatus.

2. Webhook — Sub Virtual Account RFI Required

Event type: SUB_VIRTUAL_ACCOUNT_RFI_REQUIRED
Full field reference: Sub Virtual Account RFI Required

How to use

Configure your Stable webhook URL to accept this event.

On receive, deduplicate by eventId.

Branch on data.rfiStatus (see table below).

If materials are required, call the template API with virtualAccountId + bizTypeList, then submit RFI.

Keep listening to this same event for submit / review status updates.

Critical fields

Field	Why it matters	How to use
`eventId`	Idempotency	Ignore duplicate deliveries with the same id
`eventType`	Event filter	Must be `SUB_VIRTUAL_ACCOUNT_RFI_REQUIRED`
`data.virtualAccountId`	Identifies the Sub VA	Template: `virtualAccountId`; Submit: `accountId`
`data.awaitingRfiTypeList`	Which tiers need materials	Template: `bizTypeList` (1:1)
`data.rfiStatus`	Lifecycle / review result	Branch merchant logic; review results reuse this webhook
`data.rfiFeedback`	Reject / resubmit reason	Present when `rfiStatus` is `REJECTED` or `RESUBMIT_REQUIRED`; show to end users / ops
`referenceId`	Envelope reference	Usually VA id; prefer `data.virtualAccountId` for API calls

Example payload

{
    "eventId": "36190155-28a2-42f9-a55a-1359654b7384",
    "eventType": "SUB_VIRTUAL_ACCOUNT_RFI_REQUIRED",
    "referenceId": "538",
    "status": "SUCCESS",
    "timestamp": 1764235978954,
    "data": {
        "virtualAccountId": "3100",
        "externalAccountId": "",
        "accountName": "ALBrooks",
        "currency": "MXN",
        "status": "SUCCESS",
        "awaitingRfiTypeList": [
            "SUB_ACCOUNT_RFI_TIER_1"
        ],
        "rfiStatus": "AWAITING_SUBMISSION"
    }
}

`rfiStatus` values

`rfiStatus`	Meaning	Merchant action
`AWAITING_SUBMISSION`	Materials required	Fetch template → submit RFI
`EARLY_WARNING`	Early warning; materials may be submitted early	Optional early submit
`RESET`	Previously triggered; monthly reset; still submittable	May submit again
`RESUBMIT_REQUIRED`	Compliance requested resubmission	Fetch template → resubmit
`SUBMITTED`	Materials received; under review	Wait for next webhook
`APPROVED`	RFI review complete	Normal RFI is done. A monthly limit increase may now be submitted with `limitIncrease = true`
`REJECTED`	Review rejected	Follow compliance guidance

3. API — List RFI Sub Virtual Account

API: List RFI Sub Virtual Account
Method / Path: GET /v1/virtual-account/sub/rfi-list

How to use

Call this API to poll / reconcile Sub VAs that need RFI (or to refresh status after submit / review).

Optionally filter with rfiStatus (e.g. AWAITING_SUBMISSION) and/or currency.

For each item that still needs materials:

accountId → template virtualAccountId / submit accountId

awaitingRfiTypeList → template bizTypeList

Continue with Get Sub Virtual Account RFI Template Info → Sub Virtual Account Submit RFI.

Critical fields

Request

Parameter	Required	Note
`rfiStatus`	No	Common filter: `AWAITING_SUBMISSION`, `RESUBMIT_REQUIRED`, `SUBMITTED`, `APPROVED`, `REJECTED`, …
`currency`	No	ISO 4217 (e.g. `MXN`)
`accountBusinessType`	No	Defaults to `Normal` on the request model
`parentAccountId`	No	Optional parent (primary) account id

Response (data[])

Field	Why it matters	How to use
`accountId`	Sub VA id	Same as webhook `virtualAccountId`; pass to template + submit
`rfiStatus`	Account-level RFI status	Branch list / polling logic
`awaitingRfiTypeList`	Tiers still needing materials	Template `bizTypeList`
`rfiFeedback`	Reject / resubmit reason	Non-null when `rfiStatus` is `REJECTED` / `RESUBMIT_REQUIRED`
`rfiInfo.rfiTierList[]`	Per-tier status + answers	Resubmit / display previously submitted `answerList`

Example request

This list API is a pull complement to the webhook push. Prefer the webhook for real-time updates; use list for catch-up, reconciliation, and UI listing.

4. API — Get Sub Virtual Account RFI Template Info

API: Get Sub Virtual Account RFI Template Info
Method / Path: GET /v1/virtual-account/sub/rfi-template

How to use

Call this API only after a webhook with a submittable rfiStatus (e.g. AWAITING_SUBMISSION, RESUBMIT_REQUIRED).

Pass query params mapped from the webhook (see Critical fields).

For each template in data[], iterate questions[] and prepare submit answers:

questions[].id → submit questionId

template bizType → submit bizType

type = FILE → prepare base64Files / file; text-like → prepare answer

Honor required = true

Next step: Sub Virtual Account Submit RFI.

Critical fields

Request

Parameter	Required	Map from webhook	Note
`bizTypeList`	Yes	`data.awaitingRfiTypeList`	Wrong/missing → empty or incomplete checklist
`virtualAccountId`	Recommended	`data.virtualAccountId`	Needed to resolve channel-specific template
`currency`	Optional	`data.currency`	ISO 4217

Response (data[]) — fields you must carry to submit

Field	How to use on submit
`bizType`	`answerList[].bizType`
`questions[].id`	`answerList[].questionId` (exact match)
`questions[].type`	`FILE` → files; `TEXT` → `answer`
`questions[].required`	Must provide content when `true`

Example request

Full response samples are the examples avenia-brl-individual and avenia-brl-business on Get Sub Virtual Account RFI Template Info.

Individual and Business use different question ids for registration, UBO identity, trade documents, company address, and additional information.

Skip every SUB TITLE question id when you submit (RFI_TIER1_Section_Company_Identity, RFI_TIER1_Section_Business_Transaction, RFI_TIER1_Section_Address_Financial_Tax). requestedMonthlyLimit is not a template question.

Do not hard-code question ids from samples — always load them from this API for the current virtualAccountId / channel.

5. API — Sub Virtual Account Submit RFI

API: Sub Virtual Account Submit RFI
Method / Path: POST /v1/virtual-account/sub/submit-rfi

How to use

Ensure you already have the Sub VA id (webhook virtualAccountId or list accountId) and the template checklist.

Build answerList: one row per answerable question (bizType + questionId + answer / base64Files). Skip SUB TITLE rows.

POST the body; on success (data = true), wait for the same RFI webhook (or re-list).

Track review via webhook / list rfiStatus (SUBMITTED → APPROVED / REJECTED / RESUBMIT_REQUIRED).

If RESUBMIT_REQUIRED, reload the template and call this API again.

A monthly limit increase is a separate submit, and only after the current RFI is complete (rfiStatus = APPROVED).

Critical fields

Field	Required	Value / rule
`accountId`	Yes	Webhook `data.virtualAccountId` or list `accountId`
`answerList[].bizType`	Yes	Template `bizType` / webhook awaiting tier
`answerList[].questionId`	Yes	Template `questions[].id` (exact). Skip `SUB TITLE`
`answerList[].base64Files` / `file`	For FILE questions	Provide at least one: fresh Base64 upload and/or existing file key
`answerList[].answer`	For `TEXT` questions	Required when the template marks the question required. A row may carry `answer` or `file`; either one with a value is enough when the question is not a required file
`answerList` or `customAnswerList`	At least one	Must not both be empty
`limitIncrease`	Only for limit increase	First increase: `true` only when `rfiStatus = APPROVED` (RFI review complete). Omit it on a normal submit
`requestedMonthlyLimit`	When this call is a limit increase	Positive amount. Not a template question
`requestedMonthlyLimitCurrency`	No	Defaults to `USD`

Normal submit

Use this when rfiStatus is AWAITING_SUBMISSION (or a normal resubmit). Do not send limitIncrease. This keeps the Level 1 default limit (company USD 100,000, individual USD 10,000 per tax id) once review is approved.

Question ids below are the answerable rows of the AVENIA BRL Individual template (request example normal-submit). Business uses different ids for registration, UBO identity, trade documents, company address, and additional information (request example normal-submit-business). Take the ids from the template response. Skip SUB TITLE rows.

File rows use raw Base64. JVBERi0xLjQKJcfs... is a PDF. PD94bWwgdmVyc2lvbj0iMS4wIj8+... is an XML invoice. UEsDBBQAAAAI... is a ZIP of those XML files. Several entries mean several files (one per month, one per UBO, or an invoice plus its BL/AWB).

{
    "accountId": "3100",
    "answerList": [
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Business_Website_App_Or_Store_Url",
            "answer": "https://shop.example.com"
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Company_Registration_Documents",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Individual_Identity_Document",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Articles_of_Association_Ownership_Documents",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Individual_Business_Proof",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Marketplace_Service_Fee_Invoices",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Website_Or_App_Business_Documents",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Nfe_Nfte_Supporting_Invoices",
            "base64Files": [
                "PD94bWwgdmVyc2lvbj0iMS4wIj8+..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Individual_Address_Proof",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_UBO_Proof_of_Address",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Financial_Statements_Balance_Sheet",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Personal_Income_Tax_Return",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Individual_Additional_Information",
            "answer": "Documents for the default monthly limit."
        }
    ]
}

Business answerable ids:

{
    "accountId": "3100",
    "answerList": [
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Business_Website_App_Or_Store_Url",
            "answer": "https://shop.example.com"
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Business_Certificate_of_Incorporation",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Business_UBO_Proof",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Articles_of_Association_Ownership_Documents",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Business_Transaction_Proof",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Marketplace_Service_Fee_Invoices",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Website_Or_App_Business_Documents",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Nfe_Nfte_Supporting_Invoices",
            "base64Files": [
                "PD94bWwgdmVyc2lvbj0iMS4wIj8+...",
                "UEsDBBQAAAAI..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Business_Address_Proof",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_UBO_Proof_of_Address",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Financial_Statements_Balance_Sheet",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Personal_Income_Tax_Return",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Business_Additional_Information",
            "answer": "Documents for the default monthly limit."
        }
    ]
}

What to put in each file

base64Files values are raw Base64 with no data: prefix. Truncated samples below use a real file header so the type is visible:

PDF: JVBERi0xLjQKJcfs...

NF-e / NFS-e XML: PD94bWwgdmVyc2lvbj0iMS4wIj8+... (<?xml version="1.0"?>)

XML packed in ZIP: UEsDBBQAAAAI...

Send one array entry per file. The template required flag decides whether the row must be present. Question ids still come from Get Sub Virtual Account RFI Template Info for this account. Use the table below for which file each question expects.

Level is the monthly limit band per tax id. Every VA Pix key under that tax id shares one limit. It is not an RFI question id.

Level	Requested monthly limit
Level 1	Default after a normal submit is approved: company USD 100,000, individual USD 10,000.
Level 2	Above the default, up to USD 500,000.
Level 3	Above USD 500,000, up to USD 1,000,000.
Level 4	Above USD 1,000,000.

Question (Individual id / Business id)	When it applies	Files to upload
Website / store URL `RFI_TIER1_Business_Website_App_Or_Store_Url`	Every submit. The store, website, or app URL.	TEXT. The store, website, or app URL.
Company registration `RFI_TIER1_Company_Registration_Documents` / `RFI_TIER1_Business_Certificate_of_Incorporation`	Every submit. Required for the default monthly limit: company USD 100,000, individual USD 10,000 per tax id.	Brazil: Contrato Social. Mainland China: Business License. Hong Kong: Certificate of Incorporation. Send each document as its own PDF.
Legal representative and UBO identity `RFI_TIER1_Individual_Identity_Document` / `RFI_TIER1_Business_UBO_Proof`	Every submit. Required for the default monthly limit: company USD 100,000, individual USD 10,000 per tax id.	A valid ID for the legal representative and for every UBO (passport, ID card, driver's license, residence permit, RG, RNM/RNE, or CIN). One file per person.
Ownership `RFI_TIER1_Articles_of_Association_Ownership_Documents`	Every submit. Required for the default monthly limit: company USD 100,000, individual USD 10,000 per tax id.	Documents that show the current shareholders. Mainland China: Articles of Association or shareholder register. Hong Kong: latest Annual Return or NNC1. Brazil: Contrato Social.
B2B trade documents `RFI_TIER1_Individual_Business_Proof` / `RFI_TIER1_Business_Transaction_Proof`	Buyer invoices and matching BL/AWB at the default monthly limit (company USD 100,000 / individual USD 10,000), and again when the requested limit is above that default.	The last 3 commercial invoices that show the buyer name, each with its matching bill of lading or air waybill (BL / AWB). A Brazil-established merchant may send NF-e instead. The sample sends 3 invoice PDFs and 3 BL/AWB PDFs.
Marketplace service-fee invoices `RFI_TIER1_Marketplace_Service_Fee_Invoices`	Platform service-fee invoices for the default monthly limit: company USD 100,000, individual USD 10,000 per tax id.	Platform service-fee invoices issued to the merchant for the last 3 months. The sample sends one PDF per month.
Website or app documents `RFI_TIER1_Website_Or_App_Business_Documents`	Website or app ownership and sales reports for the default monthly limit: company USD 100,000, individual USD 10,000 per tax id.	Website or app ownership proof, plus sales reports for the last 3 months covering every payment channel.
NF-e / NFS-e `RFI_TIER1_Nfe_Nfte_Supporting_Invoices`	Requested limit above the default: up to USD 500,000 (Level 2), up to USD 1,000,000 (Level 3), or above USD 1,000,000 (Level 4).	Invoices the merchant issued in the last 3 months. Originals only: NF-e or NFS-e XML, the same XML in a ZIP, or a PDF that shows the access key. Marketplace: NF-e for the merchant's own sales. Own website or app: NF-e for goods, NFS-e for services and digital content. A merchant on their own website or app with no Brazilian entity does not issue these and must apply Level 4 instead. B2B in Brazil: NF-e. Up to USD 500,000 (Level 2) needs invoices totaling at least 20% of the requested limit. Up to USD 1,000,000 (Level 3) needs at least 40%. Above USD 1,000,000 (Level 4) needs at least USD 400,000 of invoices. Each invoice counts once.
Company address `RFI_TIER1_Individual_Address_Proof` / `RFI_TIER1_Business_Address_Proof`	Requested limit above USD 1,000,000 (Level 4). Also required when an individual merchant asks for more than USD 10,000.	Brazil: a utility bill, bank statement, or government letter in the company name from the last 3 months. A CNPJ registration card is not accepted. Hong Kong: a valid Business Registration Certificate. Mainland China: Business License.
UBO address `RFI_TIER1_UBO_Proof_of_Address`	Requested monthly limit above USD 1,000,000 (Level 4).	Mainland China UBO: both sides of the resident identity card (two files). Other UBOs: a utility bill or bank statement in the UBO's name from the last 3 months. An individual merchant sends their own address proof.
Financial statements `RFI_TIER1_Financial_Statements_Balance_Sheet`	Requested monthly limit above USD 1,000,000 (Level 4).	Latest financial statements or balance sheet. A limit above USD 1,000,000 is set from the capacity these documents show. A merchant selling on their own website or app outside Brazil uses this, plus address proof, instead of NF-e.
Personal income tax `RFI_TIER1_Personal_Income_Tax_Return`	Individual merchant, requested limit above USD 10,000	Latest personal income tax return.
Additional information `RFI_TIER1_Individual_Additional_Information` / `RFI_TIER1_Business_Additional_Information`	Optional	Free text. Do not put the requested amount here. Send it as `requestedMonthlyLimit`.

Skip every SUB TITLE id.

Default monthly limit after Level 1 (per tax id): company USD 100,000, individual USD 10,000. Several VA Pix keys under the same tax id share that one limit.

Limit-increase submit

A higher monthly limit is a second submit, and only after the current RFI review is complete: rfiStatus = APPROVED. Before that, limitIncrease = true is rejected.

The amount is not a template question. Send it as requestedMonthlyLimit (positive) and requestedMonthlyLimitCurrency (optional, default USD). answerList uses the same answerable question ids as a normal submit. Put the extra invoices, and for a higher level the address proof, financial statements, and personal tax return, in the questions in the table above.

The sample requests USD 400,000 (Level 2, up to USD 500,000). Supporting invoices from the last 3 months must total at least 20% of that amount (USD 80,000). It is the full Individual body (request example limit-increase):

{
    "accountId": "3100",
    "limitIncrease": true,
    "requestedMonthlyLimit": 400000,
    "requestedMonthlyLimitCurrency": "USD",
    "answerList": [
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Business_Website_App_Or_Store_Url",
            "answer": "https://shop.example.com"
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Company_Registration_Documents",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Individual_Identity_Document",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Articles_of_Association_Ownership_Documents",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Individual_Business_Proof",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Marketplace_Service_Fee_Invoices",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Website_Or_App_Business_Documents",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Nfe_Nfte_Supporting_Invoices",
            "base64Files": [
                "PD94bWwgdmVyc2lvbj0iMS4wIj8+...",
                "PD94bWwgdmVyc2lvbj0iMS4wIj8+...",
                "PD94bWwgdmVyc2lvbj0iMS4wIj8+...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Individual_Address_Proof",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_UBO_Proof_of_Address",
            "base64Files": [
                "JVBERi0xLjQKJcfs...",
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Financial_Statements_Balance_Sheet",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Personal_Income_Tax_Return",
            "base64Files": [
                "JVBERi0xLjQKJcfs..."
            ]
        },
        {
            "bizType": "SUB_ACCOUNT_RFI_TIER_1",
            "questionId": "RFI_TIER1_Individual_Additional_Information",
            "answer": "Requesting USD 400,000. Self-issued invoices from the last 3 months total at least USD 80,000."
        }
    ]
}

If a limit-increase review is already RESUBMIT_REQUIRED or SUBMITTED, limitIncrease may be omitted. requestedMonthlyLimit must still be a positive amount. Do not send limitIncrease = true on a normal submit while rfiStatus is not yet APPROVED.

Flow — limit increase after RFI approval

Level 1 approval keeps the default limit. To raise it, call this same API again. Do not open a different endpoint.

Confirm rfiStatus = APPROVED on the webhook or on List RFI Sub Virtual Account. A first increase sent earlier is rejected.

Pick the requested monthly limit in USD. One tax id has one limit, shared by every VA Pix key under that tax id.

Match the target level. Submit within the same RFI materials window the channel sets (files are due within 14 days of the RFI being opened; after files arrive, review can take up to another 14 days). If nothing is submitted in the first 14 days, the monthly limit can be set to USD 0.

Level	Monthly limit per tax id	Documents on top of Level 1
Level 1	Company USD 100,000. Individual USD 10,000.	Base company, identity, and ownership files, plus the profile proof (marketplace invoices, website or app reports, or the last 3 B2B invoices with BL/AWB). Approval keeps this default.
Level 2	Up to USD 500,000	Invoices the merchant issued in the last 3 months, totaling at least 20% of the requested limit. Example: USD 400,000 requested needs at least USD 80,000 of invoices.
Level 3	Up to USD 1,000,000	Same invoices, totaling at least 40% of the requested limit. Example: USD 1,000,000 requested needs at least USD 400,000 of invoices.
Level 4	Above USD 1,000,000	Full Level 3 pack (at least USD 400,000 of invoices), plus company and UBO address proof and financial statements or a balance sheet. The limit follows the capacity those statements show.

An individual merchant who asks for more than USD 10,000 also sends address proof and the latest personal income tax return.

If the invoice total is below the threshold, the channel sets the limit from the invoices that can be verified, and not above the amount you requested. Verified total divided by 20% (cap USD 500,000) or by 40% (cap USD 1,000,000), whichever is higher. Example: USD 60,000 of invoices can support USD 300,000. Void or unverifiable invoices do not count. BRL invoices are converted to USD with the Central Bank of Brazil PTAX rate on the invoice date.

Reload GET /v1/virtual-account/sub/rfi-template. Build answerList from that response. Skip SUB TITLE.

POST /v1/virtual-account/sub/submit-rfi with limitIncrease = true, requestedMonthlyLimit, and the files for that level.

Wait for SUB_VIRTUAL_ACCOUNT_RFI_REQUIRED. SUBMITTED means the pack is in review. APPROVED means the review finished (the limit may stay, rise, or be cut, including to USD 0). RESUBMIT_REQUIRED means reload the template and submit again. On that follow-up you may omit limitIncrease.

Success response (`data`)

true means the submission is accepted. Later review status comes from webhook Sub Virtual Account RFI Required via data.rfiStatus — do not treat this boolean as the final compliance result.

6. End-to-end checklist

Configure your Stable webhook URL to accept eventType = SUB_VIRTUAL_ACCOUNT_RFI_REQUIRED.

On receive: persist eventId for idempotency; read data.virtualAccountId, awaitingRfiTypeList, and rfiStatus.

Call GET /v1/virtual-account/sub/rfi-template with bizTypeList = awaitingRfiTypeList and virtualAccountId = virtualAccountId.

Build answerList from template questions (bizType + questionId + answer / base64Files).

Call POST /v1/virtual-account/sub/submit-rfi with accountId = virtualAccountId.

Skip SUB TITLE question ids. Send limitIncrease = true only when rfiStatus = APPROVED; include a positive requestedMonthlyLimit (currency defaults to USD).

Treat later webhooks of the same event type as status updates; branch on data.rfiStatus.

VA · RFI

1. Overview#

Quick steps#

Integration notes#

2. Webhook — Sub Virtual Account RFI Required#

How to use#

Critical fields#

Example payload#

rfiStatus values#

3. API — List RFI Sub Virtual Account#

How to use#

Critical fields#

Example request#

4. API — Get Sub Virtual Account RFI Template Info#

How to use#

Critical fields#

Example request#

5. API — Sub Virtual Account Submit RFI#

How to use#

Critical fields#

Normal submit#

What to put in each file#

Limit-increase submit#

Flow — limit increase after RFI approval#

Success response (data)#

6. End-to-end checklist#

1. Overview

Quick steps

Integration notes

2. Webhook — Sub Virtual Account RFI Required

How to use

Critical fields

Example payload

`rfiStatus` values

3. API — List RFI Sub Virtual Account

How to use

Critical fields

Example request

4. API — Get Sub Virtual Account RFI Template Info

How to use

Critical fields

Example request

5. API — Sub Virtual Account Submit RFI

How to use

Critical fields

Normal submit

What to put in each file

Limit-increase submit

Flow — limit increase after RFI approval

Success response (`data`)

6. End-to-end checklist