# mcp-iniciador

Connects AI agents to Iniciador for Open Finance Brasil Pix payments. It creates payment consents, checks authorization, and triggers transfers.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed, Gemini CLI · ★ 274
- Author: codespar
- License: MIT · policy=link-only · description only; the file stays with the author
- Source: https://github.com/codespar/mcp-dev-latam/tree/HEAD/packages/banking/iniciador
- Updated: 2026-09-27
- HTML: https://affpapa.org/en/nevibecode/mcp/mcp-iniciador

## What it does

This MCP server exposes Iniciador endpoints to AI assistants, focusing on Brazilian Open Finance payment initiation (PISP). It provides 9 tools. With them, an assistant can fetch supported banks, create consent requests, or build the authorization link for the payer.

Once the payer confirms consent inside their banking app, the assistant triggers the Pix transfer with `create_payment`. You can also inspect transaction statuses, list historical records, or attempt cancellation before settlement. To run checks safely, set the base URL to `https://sandbox.iniciador.com.br`.

Authentication requires credentials issued during Iniciador onboarding. The server will fail without valid keys, and actual Pix-out execution depends entirely on bank-side payer authorization.

## Requirements
- Needs: Node.js (commands run via npx)
- Environment variables: `INICIADOR_CLIENT_ID`, `INICIADOR_CLIENT_SECRET`, `INICIADOR_API_BASE` — keys and tokens: ask the human for the values, never commit them or put them in shared files.

## Install

### Claude Code (native platform)

**Platform CLI**
```bash
claude mcp add --env INICIADOR_CLIENT_ID=<INICIADOR_CLIENT_ID> --env INICIADOR_CLIENT_SECRET=<INICIADOR_CLIENT_SECRET> --env INICIADOR_API_BASE=<INICIADOR_API_BASE> --transport stdio iniciador -- npx -y @codespar/mcp-iniciador
```
Replace <…> with your own values

### Codex

**Platform CLI**
```bash
codex mcp add iniciador --env INICIADOR_CLIENT_ID=<INICIADOR_CLIENT_ID> --env INICIADOR_CLIENT_SECRET=<INICIADOR_CLIENT_SECRET> --env INICIADOR_API_BASE=<INICIADOR_API_BASE> -- npx -y @codespar/mcp-iniciador
```
Replace <…> with your own values

### Cursor

**Config file**
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "iniciador": {
            "command": "npx",
            "args": [
                "-y",
                "@codespar/mcp-iniciador"
            ],
            "env": {
                "INICIADOR_CLIENT_ID": "<INICIADOR_CLIENT_ID>",
                "INICIADOR_CLIENT_SECRET": "<INICIADOR_CLIENT_SECRET>",
                "INICIADOR_API_BASE": "<INICIADOR_API_BASE>"
            }
        }
    }
}
```
Replace <…> with your own values

### GitHub Copilot

**Config file**
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "iniciador": {
            "type": "stdio",
            "command": "npx",
            "args": [
                "-y",
                "@codespar/mcp-iniciador"
            ],
            "env": {
                "INICIADOR_CLIENT_ID": "<INICIADOR_CLIENT_ID>",
                "INICIADOR_CLIENT_SECRET": "<INICIADOR_CLIENT_SECRET>",
                "INICIADOR_API_BASE": "<INICIADOR_API_BASE>"
            }
        }
    }
}
```
Replace <…> with your own values

### Gemini CLI

**Platform CLI**
```bash
gemini mcp add -e INICIADOR_CLIENT_ID=<INICIADOR_CLIENT_ID> -e INICIADOR_CLIENT_SECRET=<INICIADOR_CLIENT_SECRET> -e INICIADOR_API_BASE=<INICIADOR_API_BASE> iniciador npx -y @codespar/mcp-iniciador
```
Replace <…> with your own values

## When to use it
- fetch Brazilian banks supported for Pix initiation
- request payment consent from the payer
- build bank authorization URLs for payment flows
- execute outgoing Pix transfers after approval
- check settlement status or rejection reasons

## Example prompts
- Fetch the list of Brazilian banks that support Pix initiation
- Create a payment consent and build the bank authorization link for the customer
- Check the current status and settlement details for payment `pay_12345`

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From the same set: [codespar/mcp-dev-latam](https://affpapa.org/en/nevibecode/by/codespar/mcp-dev-latam.md) — 124 cards

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