Documentação da API SummitPay

// Gerar um Pix em menos de 10 linhas
$payload = json_encode([
    'api-key' => 'SUA_CHAVE_AQUI',
    'amount'  => 150.00,
    'method'  => 'pix',
    'client'  => ['name' => 'João Silva', 'document' => '12345678900', 'email' => 'joao@email.com']
]);
$ch = curl_init('https://usesummitpay.com/api/v1/gateway/');
curl_setopt_array($ch, [CURLOPT_POST => 1, CURLOPT_POSTFIELDS => $payload,
    CURLOPT_HTTPHEADER => ['Content-Type: application/json'], CURLOPT_RETURNTRANSFER => true]);
$data = json_decode(curl_exec($ch), true);
// $data['paymentCode'] = o Pix Copia e Cola

$payload = [
    'api-key'            => 'SUA_CHAVE_AQUI',
    'amount'             => 100.50,
    'method'             => 'pix',
    'external_reference' => 'pedido_123',
    'notification_url'   => 'https://seu-site.com/webhook',
    'client'             => [
        'name'     => 'João Silva',
        'document' => '12345678900',
        'email'    => 'joao@email.com',
    ],
];

$ch = curl_init('https://usesummitpay.com/api/v1/gateway/');
curl_setopt_array($ch, [
    CURLOPT_POST           => true,
    CURLOPT_POSTFIELDS     => json_encode($payload),
    CURLOPT_HTTPHEADER     => ['Content-Type: application/json'],
    CURLOPT_RETURNTRANSFER => true,
]);
$data = json_decode(curl_exec($ch), true);
echo $data['paymentCode']; // Copia e cola do PIX

const axios = require('axios');
const { data } = await axios.post(
  'https://usesummitpay.com/api/v1/gateway/',
  {
    'api-key': 'SUA_CHAVE_AQUI',
    amount: 100.50, method: 'pix',
    client: { name: 'João Silva', document: '12345678900', email: 'joao@email.com' }
  }
);
console.log(data.paymentCode); // Pix Copia e Cola

{
  "status": "WAITING_FOR_APPROVAL",
  "idTransaction": "abc123-def456-...",
  "paymentCode": "00020101021126580014br.gov.bcb.pix...",
  "paymentCodeBase64": "iVBORw0KGgo...",
  "expiresAt": "2026-01-01 15:30:00"
}

{
  "status": "PAID_OUT",
  "status_normalized": "PAID_OUT",
  "idTransaction": "tx_card_abc123",
  "paymentCode": "",
  "card_brand": "visa",
  "installment_info": {
    "installments": 3,
    "installment_value": 99.97,
    "total_with_fee": 299.90,
    "monthly_rate": 0,
    "has_fee": false
  }
}

{
  "status": "DECLINED",
  "status_normalized": "DECLINED",
  "idTransaction": "tx_card_xyz789",
  "message": "Transação não autorizada pela operadora",
  "decline_reason": "insufficient_funds"
}

{
  "status": "WAITING_FOR_APPROVAL",
  "status_normalized": "WAITING_FOR_APPROVAL",
  "idTransaction": "tx_boleto_abc123",
  "paymentCode": "03399.26290 64000.000004 00040.901018 9 96340000007990",
  "barcode": "03399.26290 64000.000004 00040.901018 9 96340000007990",
  "paymentUrl": "https://boleto.adquirente.com.br/abc123.pdf",
  "due_date": "2026-02-28",
  "instructions": "Não receber após o vencimento."
}

{
  "status": "ok",
  "idTransaction": "pay_abc123",
  "payment_method": "crypto",
  "provider": "nowpayments",
  "currency": "USDT",
  "network": "trc20",
  "network_label": "TRON (TRC20)",
  "amount_brl": 150.00,
  "amount_crypto": 28.64,
  "wallet_address": "TQPnMF9hqzqVHkMgBvgFGAKWHfsMsG8XvT",
  "qr_code_url": "https://chart.googleapis.com/chart?...",
  "expires_at": "2026-01-01 14:50:00",
  "timeout_minutes": 20,
  "exchange_rate": {
    "price_brl": 5.24,
    "price_usd": 1.00,
    "change_24h": 0.01
  }
}

# Cotações em tempo real (sem autenticação)
GET /api/v1/crypto/?action=rates

# Simular conversão
GET /api/v1/crypto/?action=convert&amount=150¤cy=usdt&network=trc20

# Consultar status de uma cobrança
GET /api/v1/crypto/?action=status&idTransaction=pay_abc123

# Listar moedas e redes disponíveis
GET /api/v1/crypto/?action=supported

{
  "api-key": "SUA_CHAVE_AQUI",
  "amount": 500.00,
  "name": "Empresa LTDA",
  "cpf": "12345678000199",
  "keypix": "12345678000199",
  "tipo_chave": "CNPJ"
}

{
  "api-key": "SUA_CHAVE_AQUI",
  "amount": 75.50,
  "name": "Maria Souza",
  "cpf": "98765432100",
  "keypix": "maria@email.com",
  "tipo_chave": "EMAIL"
}

{
  "api-key": "SUA_CHAVE_AQUI",
  "amount": 50.00,
  "name": "Carlos Oliveira",
  "cpf": "11122233344",
  "keypix": "11987654321",
  "tipo_chave": "PHONE"
}

{
  "api-key": "SUA_CHAVE_AQUI",
  "amount": 200.00,
  "name": "Ana Costa",
  "cpf": "55566677788",
  "keypix": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "tipo_chave": "EVP"
}

$payload = [
    'api-key'    => 'SUA_CHAVE_AQUI',
    'amount'     => 100.00,
    'name'       => 'João Silva',
    'cpf'        => '12345678900',
    'keypix'     => 'joao@email.com',
    'tipo_chave' => 'EMAIL',
];

$ch = curl_init('https://usesummitpay.com/api/c1/cashout/');
curl_setopt_array($ch, [
    CURLOPT_POST           => true,
    CURLOPT_POSTFIELDS     => json_encode($payload),
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER     => ['Content-Type: application/json'],
    CURLOPT_TIMEOUT        => 45,
]);

$response = curl_exec($ch);
curl_close($ch);

$data = json_decode($response, true);
// $data['status'] === 'success' → saque processado

const response = await fetch('https://usesummitpay.com/api/c1/cashout/', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
    'api-key': 'SUA_CHAVE_AQUI',
    amount: 100.00,
    name: 'João Silva',
    cpf: '12345678900',
    keypix: 'joao@email.com',
    tipo_chave: 'EMAIL',
  }),
});

const data = await response.json();
// data.status === 'success' → saque processado

{
  "status": "success",
  "message": "Saque Realizado",
  "id": "52fc5262-4063-4900-933b-55e69850"
}

{
  "status": "error",
  "message": "Saldo insuficiente"
}

// Cooldown (aguarde 5 min entre saques):
{
  "status": "error",
  "message": "Aguarde 4 min 12 s para solicitar um novo saque.",
  "retry_after_seconds": 252,
  "next_allowed_at": "2026-06-17 15:30:00"
}

$payload = ["idtransaction" => "52fc5262-4063-4900-933b-55e69850"];
$ch = curl_init("https://usesummitpay.com/api/v1/webhook/");
curl_setopt_array($ch, [
    CURLOPT_POST           => 1,
    CURLOPT_POSTFIELDS     => json_encode($payload),
    CURLOPT_HTTPHEADER     => ['Content-Type: application/json'],
    CURLOPT_RETURNTRANSFER => true,
]);
$data = json_decode(curl_exec($ch), true);
echo $data['status']; // Ex: PAID_OUT

{ "status": "PAID_OUT" }

{
  "status": "ok",
  "original_amount": 300.00,
  "installment_options": [
    { "installments": 1,  "installment_value": 300.00, "total_with_fee": 300.00, "monthly_rate": 0,    "has_fee": false },
    { "installments": 3,  "installment_value": 100.00, "total_with_fee": 300.00, "monthly_rate": 0,    "has_fee": false },
    { "installments": 6,  "installment_value": 53.06,  "total_with_fee": 318.36, "monthly_rate": 1.99, "has_fee": true  },
    { "installments": 12, "installment_value": 30.16,  "total_with_fee": 361.92, "monthly_rate": 2.99, "has_fee": true  }
  ]
}

{
  "idtransaction": "pay_abc123",
  "status": "EXPIRED",
  "payment_method": "crypto",
  "currency": "USDT"
}