Kobana

Registered bank slips, the way your operation needs

Issue bank slips in seconds via API or dashboard. Instant registration with major banks, automatic reconciliation, and full control of your billing.

Kobana dashboard showing boleto details
+40
integrated banks
+80M
boletos generated
+10,000
configured portfolios
+3,000
beneficiary CNPJs

Choose the ideal format for each situation

We offer three types of boleto to meet different billing needs. Each format was designed to simplify your operation and improve your customer's experience.

Most used
Billing Boleto
The traditional format for direct billing. You set the amount, due date, and payer details. Simple, straightforward, and efficient.

Ideal para

  • One-time sales
  • Individual charges
  • Simple invoicing

Características

  • Fixed amount set at issuance
  • Configurable due date
  • Automatic fine, interest, and discount
  • Instant bank registration
Pre-sale
Proposal Boleto
Perfect for when you need to send a commercial proposal that may or may not be accepted. The boleto is generated but only registered with the bank when the customer confirms.

Ideal para

  • Quotes and proposals
  • Conditional charges
  • Pre-reservations

Características

  • Amount can be adjusted before registration
  • Customer can accept or decline
  • Registered with bank only after confirmation
  • Savings on bank fees
Detailed
Invoice Boleto
For charges that require itemized details. Include a complete description of products, services, or installments. Rich formatting with HTML and Markdown.

Ideal para

  • Detailed invoices
  • Service notes
  • Multi-item charges

Características

  • Detailed item description
  • HTML/Markdown formatting
  • Product and value table
  • Professional layout

Installment your charges with payment books

Generate multiple boletos linked to the same charge. Each installment is an independent boleto with full payment tracking.

Batch generation

Create all installments at once. Define the total amount, number of installments, and first due date.

Clear identification

Each boleto shows "Installment X of Y". Makes tracking easy for both you and your customer.

Automatic due dates

Set the frequency (monthly, bi-weekly) and the system calculates the due dates for remaining installments.

Value flexibility

By default, divides equally. But you can adjust specific installments: larger down payment, different final installment.

Combined printing

Generate a single PDF with all boletos in the payment book for in-person delivery or mailing.

Your brand on the boleto

Customize your boletos with your company's visual identity. Reinforce your brand on every charge sent.

Logo on Boleto

Include your company logo on the payer receipt. Your customer quickly identifies who the charge is from.

  • High-resolution logo
  • Positioned on payer receipt
  • Configuration per boleto template
  • Does not interfere with barcode reading

Custom Templates

Create reusable templates with your default settings. Each template can have different logos, instructions, and fees.

  • Monthly Payment template (with discount)
  • Cash Sale template
  • Premium template (different logo)

Unique Instructions

Add messages and instructions for the payer. Communicate special conditions, important notices, or contact information.

  • Statement (before receipt)
  • Cashier instructions
  • Payer notes
  • Marketing messages
Exclusivo

Security Mesh

Our exclusive security mesh protects your boletos against tampering and fraud. The document is displayed as an image.

  • Reduces scam risk
  • Makes value alteration difficult
  • Protection against interception

Your boletos always available

We host your boletos with the highest security standards. Share in multiple ways without worrying about files or attachments.

Shortened bole.to Address

Every boleto receives a short link in the format bole.to/3/xyz123. Easy to copy, share, and remember.

  • Works forever
  • Smaller than attachments
  • Doesn't trigger spam filters
  • Shareable on any channel
  • Email
  • WhatsApp
  • SMS
  • Telegram
PDF Download

Generate the boleto PDF for printing or archiving. Direct link available in bole.to/3/xyz123.pdf format.

  • PDF for printing
  • PNG for sharing
  • HTML for integration
  • Envelope format
Online Viewing

The customer accesses the link and views the boleto directly in the browser. Can download, print, or copy the digitable line.

  • Complete viewing
  • Download as PDF
  • Copy digitable line
  • Add to calendar
Hosting Security

Boletos hosted with encryption and tamper protection. Displayed only as image to prevent fraud.

  • HTTPS on all pages
  • Boleto as image
  • Integrity validation
  • Access logs
  • Password protection

Ready to send by mail

Generate your boletos in envelope format for physical mailing. Layout optimized for direct mail with fold and detachable stub.

Layout otimizado

O boleto é gerado com marcações de dobra que facilitam o envio em envelopes padrão.

Canhoto destacável

Área picotada para o cliente destacar e guardar como comprovante de pagamento.

Janela de endereço

O endereço do destinatário aparece na posição correta para envelopes com janela.

Economia de papel

Um único documento contém boleto e correspondência. Não precisa de carta separada.

Opções de Impressão

FormatoDescriçãoUso ideal
Standard A4Full sheetIndividual printing
Commercial envelopeWith folds and stubDirect mail
Detachable payment bookMultiple copiesIn-person billing
Detailed invoiceWith statementService invoices

Configure fines, interest, and discounts

Set payment conditions for each boleto. Everything calculated automatically by the system.

Late Fee

Fixed charge applied when the customer pays after the due date. Configure according to your billing policy.

Opções

  • No fee (exempt)
  • Percentage of amount (e.g., 2%)
  • Fixed value (e.g., $10.00)

Late Interest

Progressive charge that increases with days overdue. Encourages on-time payment.

Opções

  • No interest (exempt)
  • Daily interest (e.g., 0.033%/day)
  • Monthly interest (e.g., 1%/month)

Early Payment Discount

Reduce the boleto amount if paid before a certain date. Encourage early payments.

Opções

  • Percentage discount (e.g., 5%)
  • Fixed value discount
  • Up to 3 discount tiers

Exemplo

10 days early: 10% | 5 days early: 5% | Until due date: 2%

What you can do

Instant Generation
Create boletos via REST API or directly in the dashboard. Our system generates the digitable line and barcode in milliseconds.
  • Documented REST API
  • SDK for Ruby, Python, Node.js
  • Batch generation
Automatic Registration
We automatically register your boletos with banks via API or CNAB. You track everything in real time.
  • Registration via bank API
  • CNAB 240 and 400 support
  • Instant confirmation
Multiple Formats
Generate boletos in PDF, PNG, or HTML. Customize with your brand and send via email, WhatsApp, or integrate with your system.
  • Print-ready PDF
  • PNG for sharing
  • HTML for web integration
Configurable Charges
Configure fines, interest, and discounts exactly as your company needs. Up to 3 early payment discount tiers.
  • Fixed or percentage fine
  • Daily or monthly interest
  • Progressive discounts
Payment Split
Automatically divide the payment among multiple accounts. Ideal for marketplaces, franchises, and partners.
  • Up to 30 accounts per boleto
  • Split by percentage or value
  • Automatic transfer
Automatic Write-off
When the boleto is paid, we automatically update the status. You receive a real-time notification via webhook.
  • Automatic reconciliation
  • Real-time webhooks
  • Complete history

How it works

1

Configure your portfolio

Connect your bank account to Kobana. We support over 30 Brazilian banks with simplified approval.

2

Create your boletos

Use our API or dashboard to create boletos. Set amounts, due dates, charges, and customize instructions.

3

Send and track

Share the boleto with your customer and track payment in real time. Receive automatic notifications.

Integration in minutes, not weeks

Our RESTful API was designed to be simple and intuitive. See how to create a boleto with just one request:

View complete API documentation
bash
curl -X POST https://api.kobana.com.br/v1/bank_billets \
  -H "Authorization: Bearer your_token" \
  -H "Content-Type: application/json" \
  -d '{
    "bank_billet_account_id": "abc123",
    "amount": 150.00,
    "expire_at": "2025-01-15",
    "customer_person_name": "Maria Santos",
    "customer_cnpj_cpf": "123.456.789-00",
    "description": "January/2025 monthly payment"
  }'
response
{
  "id": 2,
  "uid": "0199bc7e-c58d-710f-a27c-8504635c0883",
  "status": "generating",
  "expire_at": "2025-12-31",
  "amount": 34.56,
  "description": "Services rendered",
  "customer_person_name": "John Doe",
  "customer_cnpj_cpf": "337.539.339-37",
  "customer_email": "customer@example.com",
  "line": "75691.43279 01022.938508 00000.240028 2 13120000003456",
  "barcode": "75692131200000034561432701022938500000024002",
  "url": "https://bole.to/2/mq",
  "formats": {
    "default": "https://bole.to/2/mq",
    "pdf": "https://bole.to/2/mq.pdf",
    "png": "https://bole.to/2/mq.png",
    "boleto_hibrido": "https://bole.to/2/mq/boleto_hibrido",
    "boleto_pix": "https://bole.to/2/mq/boleto_pix"
  },
  "fine_type": 2,
  "fine_value": 4.91,
  "days_for_fine": 3,
  "discount_type": 2,
  "discount_percentage": 10,
  "discount_limit_date": "2025-12-28",
  "beneficiary_name": "Kobana Tecnologia Ltda.",
  "beneficiary_cnpj_cpf": "05.813.794/0001-26"
}

Connected to Brazil's major banks

Over 30 approved banks. If you use it, we probably support it.

Banco do BrasilBanco do Brasil
BradescoBradesco
ItaúItaú
SantanderSantander
CaixaCaixa
SicoobSicoob
SicrediSicredi
BanrisulBanrisul
InterInter
BTGBTG
SafraSafra
BVBV
ABC BrasilABC Brasil
AilosAilos
ArbiArbi
BaneseBanese
BanestesBanestes
BNBBNB
BNP ParibasBNP Paribas
BRBBRB
BS2BS2
CoraCora
CredisisCredisis
CresolCresol
DaycovalDaycoval
MercantilMercantil
RendimentoRendimento
SofisaSofisa
UnicredUnicred
UniprimeUniprime
Banco IndustrialBanco Industrial
Banco do BrasilBanco do Brasil
BradescoBradesco
ItaúItaú
SantanderSantander
CaixaCaixa
SicoobSicoob
SicrediSicredi
BanrisulBanrisul
InterInter
BTGBTG
SafraSafra
BVBV
ABC BrasilABC Brasil
AilosAilos
ArbiArbi
BaneseBanese
BanestesBanestes
BNBBNB
BNP ParibasBNP Paribas
BRBBRB
BS2BS2
CoraCora
CredisisCredisis
CresolCresol
DaycovalDaycoval
MercantilMercantil
RendimentoRendimento
SofisaSofisa
UnicredUnicred
UniprimeUniprime
Banco IndustrialBanco Industrial

Use cases

Schools and Courses

Generate tuition with early payment discounts. Configure automatic fines and interest for late payments and send due date reminders by email.

Benefícios:
  • Automatic payment book generation
  • Early payment discounts
  • Due date reminders
E-commerce and Retail

Offer boleto as a payment option at checkout. Integrate via API and receive real-time confirmations via webhook.

Benefícios:
  • Cart integration
  • Instant confirmation
  • Higher conversion
Recurring Services

Bill subscription fees, plans, and contracts. Set up recurrence and let the system generate boletos automatically.

Benefícios:
  • Automatic monthly generation
  • Delinquency control
  • Customer history
Marketplaces and Franchises

Use payment split to automatically divide between sellers, franchisees, or partners. All reconciled in one place.

Benefícios:
  • Automatic split
  • Scheduled transfers
  • Reports by partner

Everything you need to bill efficiently

Automatic second copy

Customer can generate a second copy via link without contacting you

Due date change

Change due dates and amounts even after bank registration

Boleto cancellation

Cancel unpaid boletos directly in the dashboard or via API

Copy boleto

Duplicate existing boletos to quickly create new ones

Payment tracking

Track status in real time: registered, paid, overdue

Notes per boleto

Add internal notes to organize your operation

Automatic protest

Configure days for protest and let the system handle it

Negative reporting

Integrate with credit bureaus (Serasa, SPC, Quod)

Tags and metadata

Organize boletos with tags and custom data

Advanced filters

Search by status, customer, amount, period

Frequently asked questions

Ready to simplify your boleto billing?

Create your account and start issuing boletos in minutes. No bureaucracy, no complications.