Enterprise services · Starting from $300
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OpenData · OpenFinance · Protocol Analysis · OpenBanking

Quickly connect Digio's payments, accounts, and card capabilities to your backend

We specialize in exposing Digio's credit/debit cards, accounts, Pix, and transaction reconciliation capabilities to external enterprise interfaces through protocol analysis and authorized API integration, delivering a complete delivery package (source code + OpenAPI + test cases).

Account & Session Management — analyze authorization flows (Token, session refresh, device binding), implement stable account binding and multi-account management interfaces.
Transactions & Reconciliation — extract transaction streams, categorize, generate exportable Excel/CSV/PDF reports, support pagination and date-range queries.
Card & Payment Capabilities — card issuance, virtual card management, NFC / contactless payments readiness, Pix instant payments and refunds workflow integration.

Deliverables We Provide

Technical Deliverables

  • OpenAPI / Swagger specifications and API contracts (JSON Schema)
  • Protocol analysis report (authorization flows, request signing, encryption, and session management)
  • Runnable source code (Node.js / Python / Go optional), with Docker images and quick deployment scripts
  • SDK samples and Postman collections
  • Automated test scripts (integration tests + mock data) and acceptance test plan

Sample Interface: Transaction Reconciliation Query (Illustrative)

POST /api/v1/digio/statement
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id':'user_12345',
  'from':'2025-09-01',
  'to':'2025-09-30',
  'page':1,
  'page_size':100
}

Response 200 OK {
  'status':'OK',
  'total':254,
  'transactions':[{
     'id':'tx_20250910_001',
     'type':'DEBIT',
     'amount':-129.90,
     'merchant':'Supermercado',
     'category':'Groceries',
     'posted_at':'2025-09-10T12:23:00Z'
  }]
}

Compliance & Security

All work is based on client authorization or public/authorized APIs, adhering to local financial regulations (e.g., Central Bank rules) and privacy protection with minimal data retention. We can assist with compliance documentation and audit-log strategies.

Core Advantages

  • Rapid deployment: protocol analysis → minimal viable API → acceptance loop
  • Global experience: familiar with Brazil/Latin America payments and compliance nuances
  • Verifiable source: runnable samples and integration tests for internal security audits
  • Multi-platform support: Android / iOS reverse engineering, API standardization, and SDK distribution

Typical Delivery Timeline

Depends on complexity. Common project timeline examples:

  • Basic reconciliation interfaces (authorization + transaction fetch): 5-10 business days
  • Card management & payment chain: 8-20 business days
  • Full middleware (payments + settlement + reports): 15-35 business days

API Integration Guide (Quick Start)

Onboarding Steps

  1. Provide the target app name (Digio is already provided) and your business scenario (reconciliation, acquiring, card management, etc.).
  2. We perform protocol analysis: packet capture (with client authorization), authentication flow mapping, and request signing reverse engineering (referred to as protocol analysis / reverse engineering).
  3. Design a stable external API (OpenAPI), and provide a simulated Mock environment for development and testing.
  4. Deliver source code, SDK, Postman collections, automated test scripts and deployment guides.
  5. Optional support: cloud deployment, operations handover, and compliance/audit support.

What We Need From You

  • Specific goals (e.g., export monthly transactions CSV, real-time Pix callbacks, virtual card issuance)
  • Whether there is an existing test environment, enterprise credentials, or authorized user samples
  • Desired deliverable formats: OpenAPI, SDK (languages), report types
  • Need for compliance / audit outputs (NDA, logging policy, minimal data retention)

About Our Tech Studio

We are a team focused on app protocol analysis and authorized API integration, with members from mobile, security, payments, and cloud services. Deliver compliant, auditable financial interfaces and documentation for global clients.

  • Expertise: protocol analysis, OpenData integration, OpenBanking and payment gateway integration
  • Outputs: runnable source code, OpenAPI docs, Postman collections, test cases, and deployment scripts
  • Starter service: $300 (optional pay-on-delivery model)

Contact

To get a quote, submit your Digio integration requirements, or request case studies, click the link below to go to our contact page:

Visit Contact / Submit Requirements

📱 Digio Official App Full Feature Overview (Collapsed)

The following outlines Digio app features and services for reference during technical integration and protocol analysis.

  • Multi-product matrix: Digio Gold, Digio One, Digital Accounts (Conta Digio), virtual and physical cards, international payments, installments, and rewards programs.
  • Unified accounts: accounts for inbound/outbound payments, no-fee transfers, Pix instant payments, and installment Pix-to-credit card features.
  • Card capabilities: virtual card generation, NFC payments prep, card status management (freeze/unfreeze), card styling and authorization policy updates.
  • Credit products: Grana Extra, antecipação do saque-aniversário FGTS and other personal loans and installments, online applications and quick funding.
  • Commerce services: mobile top-up, bill payments, e-commerce discounts, DigioLoja offers and merchant partnerships.
  • Security & identity: MFA, fingerprint/face recognition, transaction limits, real-time alerts and spend analytics.
  • Enterprise & merchant scenarios: transfers, reconciliations, account statement exports, bulk payments, and enterprise reporting.
  • User experience: 100% online onboarding, unified virtual/physical card experience, rewards redemptions, and global travel insurance options.

Note: The above is a technical excerpt from public product descriptions intended to assist in designing integration plans and interface models. Any analysis or implementation should be based on client authorization or official open interfaces, complying with local laws and privacy protections.