diff --git a/CHANGELOG.md b/CHANGELOG.md
index 7f0a849..9eb4930 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -1,5 +1,9 @@
 ## [Unreleased]
 
+## [3.1.0] - 2025-10-01
+
+- Adds support for passing optional debtor_account and creditor_account parameters for registering payments
+
 ## [3.0.0] - 2025-09-22
 - Update `faraday` dependency to version 2.13.4
 - Remove `faraday_middleware` dependency
diff --git a/Gemfile.lock b/Gemfile.lock
index 23effcb..0c0d251 100644
--- a/Gemfile.lock
+++ b/Gemfile.lock
@@ -1,7 +1,7 @@
 PATH
   remote: .
   specs:
-    incognia_api (3.0.0)
+    incognia_api (3.1.0)
       faraday (~> 2.13)
 
 GEM
diff --git a/lib/incognia_api.rb b/lib/incognia_api.rb
index bb57e6f..2361627 100644
--- a/lib/incognia_api.rb
+++ b/lib/incognia_api.rb
@@ -8,6 +8,8 @@
 require_relative "incognia_api/api"
 require_relative "incognia_api/location"
 require_relative "incognia_api/person_id"
+require_relative "incognia_api/pix_key"
+require_relative "incognia_api/bank_account"
 
 require_relative "incognia_api/resources/api_resource"
 require_relative "incognia_api/resources/signup_assessment"
diff --git a/lib/incognia_api/api.rb b/lib/incognia_api/api.rb
index 89f0ead..0a16bcf 100644
--- a/lib/incognia_api/api.rb
+++ b/lib/incognia_api/api.rb
@@ -59,7 +59,7 @@ def register_feedback(event:, occurred_at: nil, expires_at: nil, person_id: nil,
         response.success?
       end
 
-      def register_payment(account_id:, request_token: nil, location: nil, person_id: nil, **opts)
+      def register_payment(account_id:, request_token: nil, location: nil, person_id: nil, debtor_account: nil, creditor_account: nil, **opts)
         params = {
           type: :payment,
           account_id: account_id,
@@ -67,6 +67,8 @@ def register_payment(account_id:, request_token: nil, location: nil, person_id:
         }.compact
         params.merge!(location: location.to_hash) if location
         params.merge!(person_id: person_id.to_hash) if person_id
+        params.merge!(debtor_account: debtor_account.to_hash) if debtor_account
+        params.merge!(creditor_account: creditor_account.to_hash) if creditor_account
         params.merge!(opts)
 
         response = connection.request(
diff --git a/lib/incognia_api/bank_account.rb b/lib/incognia_api/bank_account.rb
new file mode 100644
index 0000000..180ba30
--- /dev/null
+++ b/lib/incognia_api/bank_account.rb
@@ -0,0 +1,54 @@
+require_relative "pix_key"
+require_relative "person_id"
+
+module Incognia
+  class BankAccount
+    attr_reader :account_type, :account_purpose, :holder_type, :holder_tax_id,
+      :country, :ispb_code, :branch_code, :account_number,
+      :account_check_digit, :pix_keys
+
+    def initialize(
+      holder_type:, holder_tax_id:, branch_code:, account_number:, account_type: nil,
+      account_purpose: nil,
+      country: nil,
+      ispb_code: nil,
+      account_check_digit: nil,
+      pix_keys: nil
+    )
+      @account_type = account_type
+      @account_purpose = account_purpose
+      @holder_type = holder_type
+      @holder_tax_id = holder_tax_id
+      @country = country
+      @ispb_code = ispb_code
+      @branch_code = branch_code
+      @account_number = account_number
+      @account_check_digit = account_check_digit
+      @pix_keys = pix_keys
+    end
+
+    def to_hash
+      h = {
+        account_type: account_type,
+        account_purpose: account_purpose,
+        holder_type: holder_type,
+        country: country,
+        ispb_code: ispb_code,
+        branch_code: branch_code,
+        account_number: account_number,
+        account_check_digit: account_check_digit
+      }.compact
+
+      if holder_tax_id
+        h[:holder_tax_id] =
+          holder_tax_id.respond_to?(:to_hash) ? holder_tax_id.to_hash : holder_tax_id
+      end
+
+      if pix_keys && !pix_keys.empty?
+        h[:pix_keys] = pix_keys.map { |k| k.respond_to?(:to_hash) ? k.to_hash : k }
+      end
+
+      h
+    end
+  end
+end
diff --git a/lib/incognia_api/pix_key.rb b/lib/incognia_api/pix_key.rb
new file mode 100644
index 0000000..a1cd460
--- /dev/null
+++ b/lib/incognia_api/pix_key.rb
@@ -0,0 +1,16 @@
+# frozen_string_literal: true
+
+module Incognia
+  class PixKey
+    attr_reader :type, :value
+
+    def initialize(type:, value:)
+      @type = type
+      @value = value
+    end
+
+    def to_hash
+      {type: type, value: value}
+    end
+  end
+end
diff --git a/lib/incognia_api/version.rb b/lib/incognia_api/version.rb
index 9c182c7..cebd329 100644
--- a/lib/incognia_api/version.rb
+++ b/lib/incognia_api/version.rb
@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Incognia
-  VERSION = "3.0.0"
+  VERSION = "3.1.0"
 end
diff --git a/spec/bank_account_spec.rb b/spec/bank_account_spec.rb
new file mode 100644
index 0000000..a15c073
--- /dev/null
+++ b/spec/bank_account_spec.rb
@@ -0,0 +1,133 @@
+require "spec_helper"
+
+module Incognia
+  RSpec.describe BankAccount do
+    let(:account_type) { "savings" }
+    let(:account_purpose) { "rural" }
+    let(:holder_type) { "business" }
+    let(:holder_tax_id) { Incognia::PersonId.new(type: "cpf", value: "12345678901") }
+    let(:country) { "BR" }
+    let(:ispb_code) { "18236120" }
+    let(:branch_code) { "0001" }
+    let(:account_number) { "123456" }
+    let(:account_check_digit) { "0" }
+    let(:pix_keys) do
+      [
+        Incognia::PixKey.new(type: "cpf", value: "12345678901"),
+        Incognia::PixKey.new(type: "email", value: "human@being.com")
+      ]
+    end
+    let(:required_attrs) do
+      {
+        holder_type:    holder_type,
+        holder_tax_id:  holder_tax_id,
+        branch_code:    branch_code,
+        account_number: account_number
+      }
+    end
+
+    subject(:bank_account) do
+      described_class.new(
+        account_type: account_type,
+        account_purpose: account_purpose,
+        holder_type: holder_type,
+        holder_tax_id: holder_tax_id,
+        country: country,
+        ispb_code: ispb_code,
+        branch_code: branch_code,
+        account_number: account_number,
+        account_check_digit: account_check_digit,
+        pix_keys: pix_keys
+      )
+    end
+
+    it "raises error when no required kwargs are provided" do
+      expect { described_class.new }.to raise_error(ArgumentError)
+    end
+
+    it "requires holder_type" do
+      expect { described_class.new(**required_attrs.except(:holder_type)) }.to raise_error(ArgumentError)
+    end
+
+    it "requires holder_tax_id" do
+      expect { described_class.new(**required_attrs.except(:holder_tax_id)) }.to raise_error(ArgumentError)
+    end
+
+    it "requires branch_code" do
+      expect { described_class.new(**required_attrs.except(:branch_code)) }.to raise_error(ArgumentError)
+    end
+
+    it "requires account_number" do
+      expect { described_class.new(**required_attrs.except(:account_number)) }.to raise_error(ArgumentError)
+    end
+
+    it "does not raise error when all required kwargs are provided" do
+      expect { described_class.new(**required_attrs) }.not_to raise_error
+    end
+
+    describe "#to_hash" do
+      context "with only required fields" do
+        subject(:only_required) { described_class.new(**required_attrs) }
+
+        it "returns required fields (optional fields omitted)" do
+          h = only_required.to_hash
+          expect(h).to include(
+            holder_type:    holder_type,
+            holder_tax_id:  holder_tax_id.to_hash,
+            branch_code:    branch_code,
+            account_number: account_number
+          )
+          expect(h).not_to include(:account_type, :account_purpose, :country, :ispb_code, :account_check_digit, :pix_keys)
+        end
+      end
+
+      context "when informing optional fields" do
+        it "returns the API format with all fields" do
+          expect(bank_account.to_hash).to eql(
+            account_type:        account_type,
+            account_purpose:     account_purpose,
+            holder_type:         holder_type,
+            holder_tax_id:       holder_tax_id.to_hash,
+            country:             country,
+            ispb_code:           ispb_code,
+            branch_code:         branch_code,
+            account_number:      account_number,
+            account_check_digit: account_check_digit,
+            pix_keys:            pix_keys.map(&:to_hash)
+          )
+        end
+      end
+
+      context "when holder_tax_id is not a PersonId nor a Hash" do
+        it "keeps the value unchanged" do
+          raw_id  = "12345678901"
+          account = described_class.new(**required_attrs.merge(holder_tax_id: raw_id))
+          expect(account.to_hash[:holder_tax_id]).to eq(raw_id)
+        end
+      end
+
+      context "when pix_keys do not contain PixKey nor Hash items" do
+        it "keeps the items unchanged" do
+          raw_keys = ["a", :b, 123]
+          account  = described_class.new(**required_attrs.merge(pix_keys: raw_keys))
+          expect(account.to_hash[:pix_keys]).to eq(raw_keys)
+        end
+      end
+    end
+
+    describe "readers" do
+      it "exposes attribute readers" do
+        expect(bank_account.account_type).to eq(account_type)
+        expect(bank_account.account_purpose).to eq(account_purpose)
+        expect(bank_account.holder_type).to eq(holder_type)
+        expect(bank_account.holder_tax_id).to eq(holder_tax_id)
+        expect(bank_account.country).to eq(country)
+        expect(bank_account.ispb_code).to eq(ispb_code)
+        expect(bank_account.branch_code).to eq(branch_code)
+        expect(bank_account.account_number).to eq(account_number)
+        expect(bank_account.account_check_digit).to eq(account_check_digit)
+        expect(bank_account.pix_keys).to eql(pix_keys)
+      end
+    end
+  end
+end
diff --git a/spec/incognia_spec.rb b/spec/incognia_spec.rb
index 6b1da4e..b5b0929 100644
--- a/spec/incognia_spec.rb
+++ b/spec/incognia_spec.rb
@@ -400,6 +400,54 @@ module Incognia
           expect(stub).to have_been_made.once
         end
 
+        it "hits the endpoint with debtor_account and creditor_account" do
+          debtor_account = BankAccount.new(
+            holder_type: "business",
+            holder_tax_id: PersonId.new(type: "cpf", value: "12345678901"),
+            branch_code: "0001",
+            account_number: "123456"
+          )
+
+          creditor_account = BankAccount.new(
+            account_type: "savings",
+            account_purpose: "rural",
+            holder_type: "business",
+            holder_tax_id: PersonId.new(type: "cpf", value: "00000000011"),
+            country: "BR",
+            ispb_code: "18236120",
+            branch_code: "0002",
+            account_number: "654321",
+            account_check_digit: "0",
+            pix_keys: [
+              PixKey.new(type: "cpf", value: "00000000011"),
+              PixKey.new(type: "email", value: "human@being.com")
+            ]
+          )
+
+          stub = stub_payment_request.with(
+            body: {
+              type: "payment",
+              request_token: request_token,
+              account_id: account_id,
+              debtor_account: debtor_account.to_hash,
+              creditor_account: creditor_account.to_hash
+            },
+            headers: {
+              "Content-Type" => "application/json",
+              "Authorization" => /Bearer.*/
+            }
+          )
+
+          described_class.register_payment(
+            request_token: request_token,
+            account_id: account_id,
+            debtor_account: debtor_account,
+            creditor_account: creditor_account
+          )
+
+          expect(stub).to have_been_made.once
+        end
+
         shared_examples_for 'receiving one of the required tokens with account_id' do |token_name|
           let(:token_value) { SecureRandom.uuid }
 
diff --git a/spec/person_id_spec.rb b/spec/person_id_spec.rb
index 660f2cc..215ceeb 100644
--- a/spec/person_id_spec.rb
+++ b/spec/person_id_spec.rb
@@ -1,4 +1,3 @@
-# spec/incognia/person_id_spec.rb
 require "spec_helper"
 
 module Incognia