Stone API: what you can do and how to use it with AI agents
Stone is a Brazilian payments company. It offers APIs to customers and partners, tied to the digital business account, payments and sales and receivables information for reconciliation. Release usually goes through registration and approval with Stone. Retailers, management software and finance teams that need to reconcile card-terminal sales use it.
What the Stone API offers
Business account
Query the digital account's balance and statement, depending on the access granted.
Payments and transfers
Initiate payments and transfers from the account, when enabled.
Sales and receivables
Card sales information and the receivables schedule for reconciliation.
Charges
Generate charges such as Pix (Brazil's instant payment system) and payment links, depending on the product contracted.
How to access the Stone API
- For partners and customersAccess is granted by Stone to the customer or partner, with application credentials and, for some products, certificates and certification steps. Details depend on the product.
- Moving money requires human approval and a limit per operation.
- Keep certificates and credentials only in the vault, never in spreadsheets or messages.
- Follow Stone's certification process before using in production.
What an iTeam agent does with the Stone API
Card-terminal sales reconciliation
The agent matches the day's sales against the ERP cash records and flags transactions with no match or with a fee different from the contracted one.
Cash forecast from receivables
The agent reads the receivables schedule and builds the projection for the coming weeks for finance.
Supplier payment with approval
The agent prepares the transfer with verified details and only runs it after approval from someone with the authority.
Balance and movement alert
The agent warns when the balance falls below the agreed minimum or when an unusual outgoing payment appears.
From the credential to the agent at work, with approval
Request access from Stone
Talk to Stone to enable the API product for your account and receive the credentials and the certification environment.
Store the credentials in the vault
Credentials and certificates go into the iTeam vault, with read access kept separate from actions that move money.
Certify with dual approval
Validate in the certification environment and keep any payment under human approval and an amount ceiling.
Ready-made AI teams for this work
Bank reconciliation team
Bank lines, Stripe payouts and ledger entries are matched each morning. You only see what did not match, with a reason.
Accounts payable team
Invoices arrive by e-mail and in shared folders. The team reads them, checks them and lines them up for your approval before the due date.
Collections team
Before and after each due date, customers get a clear reminder with a payment link. Disputes and promises to pay go to your team.
Cash flow forecast team
Every week the projection is rebuilt from your books, open invoices and bills, with a plain note on what changed and why.
Bookkeeping team
Transactions are categorized as they come in, receipts are matched, and the month-end close starts with a short list of questions.
Questions about the Stone API
Is the Stone API free?
It depends on the product and the contract. In general, access is tied to the account and the services contracted with Stone. Confirm the terms with your account manager.
Do I need to write code to use the Stone API with iTeam?
Not necessarily. Once access is granted, the iTeam deployment team sets up the calls from the documentation Stone provides.
Can the agent make transfers on its own?
Technically it can, if the permission exists, but the recommendation is that it only prepares and a person approves each payment.
