Saques e Transferências

Saldo Disponível → Solicitação de Saque → Processamento → Transferência Bancária

import { Chargefy } from "@chargefy/sdk";

const chargefy = new Chargefy({
  accessToken: process.env.CHARGEFY_ACCESS_TOKEN,
});

const bankAccount = await chargefy.payouts.createBankAccount({
  holder_name: "João da Silva",
  taxpayer_id: "12345678900",       // CPF ou CNPJ do titular
  bank_code: "001",                 // Código do banco (001 = Banco do Brasil)
  routing_number: "1234",           // Agência (sem dígito)
  account_number: "123456-7",       // Conta com dígito
  account_type: "checking",        // "checking" (corrente) ou "savings" (poupança)
});

console.log(bankAccount.id);       // "bank_abc123"
console.log(bankAccount.status);   // "active"

curl -X POST https://api.chargefy.io/v1/payouts/bank-accounts \
  -H "Authorization: Bearer $CHARGEFY_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "holder_name": "João da Silva",
    "taxpayer_id": "12345678900",
    "bank_code": "001",
    "routing_number": "1234",
    "account_number": "123456-7",
    "account_type": "checking"
  }'

const payout = await chargefy.payouts.create({
  amount: 100000,                   // R$ 1.000,00 (em centavos)
  bank_account_id: "bank_abc123",   // ID da conta bancária cadastrada
  description: "Saque mensal",      // Descrição opcional
});

console.log(payout.id);            // "pay_xyz789"
console.log(payout.status);        // "pending"
console.log(payout.amount);        // 100000
console.log(payout.fee);           // 200 (R$ 2,00)
console.log(payout.net_amount);    // 99800 (R$ 998,00)
console.log(payout.estimated_arrival); // "2026-03-14T00:00:00Z"

curl -X POST https://api.chargefy.io/v1/payouts \
  -H "Authorization: Bearer $CHARGEFY_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 100000,
    "bank_account_id": "bank_abc123",
    "description": "Saque mensal"
  }'

{
  "id": "pay_xyz789",
  "amount": 100000,
  "fee": 200,
  "net_amount": 99800,
  "currency": "BRL",
  "status": "pending",
  "bank_account_id": "bank_abc123",
  "description": "Saque mensal",
  "estimated_arrival": "2026-03-14T00:00:00Z",
  "created_at": "2026-03-12T10:00:00Z"
}

const config = await chargefy.payouts.updateAutoPayoutConfig({
  enabled: true,
  frequency: "weekly",              // "daily", "weekly" ou "monthly"
  day_of_week: "friday",            // Para frequency "weekly" (opcional)
  day_of_month: 15,                 // Para frequency "monthly" (opcional)
  minimum_amount: 10000,            // Valor mínimo: R$ 100,00 (em centavos)
  bank_account_id: "bank_abc123",
});

console.log(config.enabled);        // true
console.log(config.frequency);      // "weekly"
console.log(config.next_payout_at); // "2026-03-14T06:00:00Z"

const config = await chargefy.payouts.getAutoPayoutConfig();

console.log(config.enabled);          // true
console.log(config.frequency);        // "weekly"
console.log(config.day_of_week);      // "friday"
console.log(config.minimum_amount);   // 10000
console.log(config.next_payout_at);   // "2026-03-14T06:00:00Z"

const payouts = await chargefy.payouts.list({
  status: "completed",     // Filtrar por status (opcional)
  start_date: "2026-03-01",
  end_date: "2026-03-12",
  page: 1,
  limit: 20,
});

for (const payout of payouts.items) {
  const amount = (payout.net_amount / 100).toFixed(2);
  const date = new Date(payout.created_at).toLocaleDateString("pt-BR");
  console.log(`[${payout.status}] R$ ${amount} - ${date}`);
}
// "[completed] R$ 998,00 - 05/03/2026"
// "[completed] R$ 2.450,00 - 01/03/2026"

const payout = await chargefy.payouts.get("pay_xyz789");

console.log(payout.id);                // "pay_xyz789"
console.log(payout.amount);            // 100000 (R$ 1.000,00)
console.log(payout.fee);               // 200 (R$ 2,00)
console.log(payout.net_amount);        // 99800 (R$ 998,00)
console.log(payout.status);            // "completed"
console.log(payout.estimated_arrival); // "2026-03-14T00:00:00Z"
console.log(payout.completed_at);      // "2026-03-13T15:30:00Z"

const canceledPayout = await chargefy.payouts.cancel("pay_xyz789");

console.log(canceledPayout.status); // "canceled"
// O valor é devolvido ao saldo disponível

app.post("/webhooks/chargefy", async (req, res) => {
  const event = req.body;

  switch (event.type) {
    case "payout.completed":
      const amount = (event.data.net_amount / 100).toFixed(2);
      console.log(`Saque de R$ ${amount} concluído!`);
      break;

    case "payout.failed":
      console.log(`Saque ${event.data.id} falhou.`);
      console.log(`Motivo: ${event.data.failure_reason}`);
      // Notificar o vendedor e verificar dados bancários
      break;
  }

  res.status(200).json({ received: true });
});