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How it works

How does the account opening flow via API work?​

ERPs and platforms that implement this flow can offer business checking account opening within their own system.

The offer can be made through a link or a button embedded in the system and visible to the customer.

To start the opening process, the company must give consent to the platform or ERP, authorizing the sharing of its data and documents with BTG Pactual Empresas to be used in the business account registration.

After the customer's consent, BTG Pactual Empresas can retrieve and use the company's registration data held by the partner and start the account opening process.

Through this flow we enrich our database and collect the documents required to analyze and validate the company.

If any company data and/or documents are missing, the customer receives on-screen feedback about the pending items. The partner is also notified of the registration status until it is complete.

Once all data and documents have been submitted, to finish and authenticate the registration the customer must download the BTG Pactual Empresas app and complete the facial biometrics step.

Note that account opening has 3 stages:

Creating the user at BTG Pactual​

For customers with no existing relationship at BTG Pactual, a user is created on our platform from the CPF, name, email, and mobile number of the person performing the registration.

Company registration​

After the user is created and confirmed, company registration begins from the CNPJ.

Any employee of the company can start the company registration at BTG Pactual Empresas, but this user will not have permission or access to the account without the approval and link of the company's legal representative.

Validations​

To validate a user you must:

  • Confirm the email
  • Complete the biometrics step in the BTG Pactual Empresas app, available on the Apple Store (iOS) or Play Store (Android)

What data do we need you to provide?​

Your company must provide BTG Pactual Empresas with some information about your customers so that we can enrich our database. The more data shared, the smoother your customer's journey will be.

Below is the list of information required for business account opening:

  • Legal data: This is the minimum data we need to perform onboarding.
    • CNPJ
    • Legal nature
    • Email
    • Phone number
    • Net worth
      • The sum of amounts the company holds in bank accounts, investments, cash on hand, and receivables, plus real estate, equipment, and inventory.
    • Annual revenue
    • Average monthly revenue
      • If no revenue has been generated yet, provide the expected revenue for the coming months.

The remaining items below are optional and exist to reduce friction during the onboarding process.

  • Address
    • Type
    • Postal code (CEP)
    • Country
    • City
    • State
    • District
    • Street
    • Number
    • Complement
  • Legal representative
    • CPF
    • Name
    • Email
    • Phone number
  • Documents
    • CONTRATO_SOCIAL
    • PROCURACAO
    • ESTATUTO_SOCIAL
    • REQUERIMENTO_EMPRESARIO
    • BALANCO_DRE
    • ATA_ELEICAO_DIRETORIA
      • Latest version listing the current board of directors, registered with the competent authority.
    • QUADRO_SOCIETARIO
      • Structure listing all partners holding 10% or more ownership (directly or indirectly). Specify full name, CPF/CNPJ, country of tax domicile, and ownership percentage.
    • DOCUMENTO_FINANCEIRO
    • CCMEI