diff --git a/.gitignore b/.gitignore
index 7d0474a..41addb3 100644
--- a/.gitignore
+++ b/.gitignore
@@ -9,6 +9,7 @@ examples/mercadopago/credentials.php
 examples/pagbank/credentials.php
 examples/pagarme/credentials.php
 examples/cielo/credentials.php
+examples/rede/credentials.php
 
 # configurações locais do Claude Code (pessoais, não versionar)
 .claude/settings.local.json
diff --git a/CLAUDE.md b/CLAUDE.md
index a358cea..525ef7c 100644
--- a/CLAUDE.md
+++ b/CLAUDE.md
@@ -7,7 +7,7 @@ Orientações para o Claude Code trabalhar neste repositório.
 PHPay (`phpay-io/phpay`) é uma **biblioteca PHP** (não uma aplicação) que padroniza a
 integração com gateways de pagamento brasileiros. Hoje suporta **Asaas** (as cinco
 capacidades), **Mercado Pago**, **PagBank** e **Pagar.me** (clientes, cobranças,
-assinaturas), **Cielo** (cobranças e recorrência) e **Efí** (cobranças).
+assinaturas), **Cielo** (cobranças e recorrência), **Rede** e **Efí** (cobranças).
 
 Requisitos: PHP `^8.1` para consumir a lib; `^8.2` para rodar o ambiente de dev
 (Pest 3 e Termwind 2 exigem 8.2+). Dependências de runtime: `ext-curl`, `ext-json`,
@@ -144,6 +144,12 @@ e rode `php examples/asaas/charges.php` (ou `make asaas resource=charges`).
   inteiro em centavos** — os validadores recusam decimal, porque mandar `10.50` onde
   se espera `1050` cobra onze centavos. Pix é `qr_codes` do pedido (um só por pedido,
   copia-e-cola em `qr_codes[0].text`), não uma `charge`.
+- **Rede** — **host de OAuth separado do host de API**, e o caminho do token muda por
+  ambiente (`oauth2/token` vs `redelabs/oauth2/token`) — está em `RedeEnvironment`,
+  fora do trait, para o gateway ler sem puxar os verbos HTTP. **O token expira**: é o
+  único gateway com ciclo de vida de credencial, tratado em `Resources/Authorization`
+  com margem de 30s antes do vencimento. O `Charge` pede um token a cada chamada e
+  injeta como Bearer por requisição, em vez de fixar no header do client.
 - **Cielo** — **dois hosts separados por tipo de operação**, não por domínio: escritas
   em `api.cieloecommerce...`, consultas em `apiquery.cieloecommerce...`. O **mesmo
   recurso** usa os dois, por isso `HasHttpClient::request()` aceita um client opcional
diff --git a/README.md b/README.md
index c55f9a1..61897f5 100644
--- a/README.md
+++ b/README.md
@@ -32,6 +32,7 @@
   - [PagBank](#pagbank)
   - [Pagar.me](#pagarme)
   - [Cielo](#cielo)
+  - [Rede](#rede)
   - [Efí](#efí)
 - [Exemplos executáveis](#exemplos-executáveis)
 - [Migrando da v1](#migrando-da-v1)
@@ -68,13 +69,13 @@ Trocar de gateway é trocar a linha do construtor.
 
 ## Gateways suportados
 
-| Capacidade | Interface | Asaas | Mercado Pago | PagBank | Pagar.me | Cielo | Efí |
-| --- | --- | :---: | :---: | :---: | :---: | :---: | :---: |
-| Clientes | `SupportsCustomers` | ✅ | ✅ | ✅ | ✅ | — | — |
-| Cobranças | `SupportsCharges` | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
-| Assinaturas | `SupportsSubscriptions` | ✅ | ✅ | ✅ | ✅ | ✅ | — |
-| Webhooks | `SupportsWebhooks` | ✅ | — | — | — | — | — |
-| Chaves Pix | `SupportsPixKeys` | ✅ | — | — | — | — | — |
+| Capacidade | Interface | Asaas | Mercado Pago | PagBank | Pagar.me | Cielo | Rede | Efí |
+| --- | --- | :---: | :---: | :---: | :---: | :---: | :---: | :---: |
+| Clientes | `SupportsCustomers` | ✅ | ✅ | ✅ | ✅ | — | — | — |
+| Cobranças | `SupportsCharges` | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
+| Assinaturas | `SupportsSubscriptions` | ✅ | ✅ | ✅ | ✅ | ✅ | — | — |
+| Webhooks | `SupportsWebhooks` | ✅ | — | — | — | — | — | — |
+| Chaves Pix | `SupportsPixKeys` | ✅ | — | — | — | — | — | — |
 
 Duas colunas merecem explicação, porque a ausência de ✅ **não** quer dizer que o
 gateway não aceita Pix ou não manda webhook:
@@ -235,6 +236,7 @@ que cada um faz em vez de inventar um padrão:
 | **PagBank** | `$sandbox` no construtor — troca a URL |
 | **Cielo** | `$sandbox` no construtor — troca **as duas** URLs |
 | **Efí** | `$sandbox` no construtor — troca a URL |
+| **Rede** | `$sandbox` no construtor — troca **as duas** URLs e o caminho do token |
 | **Mercado Pago** | Prefixo do token (`TEST-`); host único, sem `$sandbox` |
 | **Pagar.me** | Prefixo da chave (`sk_test_`); host único, sem `$sandbox` |
 
@@ -260,6 +262,7 @@ em vez de falhar:
 | **PagBank** | Centavos (inteiro) | `10050` |
 | **Pagar.me** | Centavos (inteiro) | `10050` |
 | **Cielo** | Centavos (inteiro) | `10050` |
+| **Rede** | Centavos (inteiro) | `10050` |
 | **Efí** | Centavos (inteiro) | `10050` |
 
 Nos gateways que usam centavos, o PHPay **recusa valor decimal na validação**,
@@ -601,6 +604,54 @@ $id = $recorrencia['Payment']['RecurrentPayment']['RecurrentPaymentId'];
 $phpay->updateAmount($id, 19900);
 $phpay->deactivate($id);
 $phpay->reactivate($id);
+### Rede
+
+Adquirente, e a forma mais estreita da biblioteca junto com o Efí: **só
+cobranças**. Não há recurso de cliente nem assinatura gerenciável — a
+transação tem um campo `subscription`, mas é uma flag para a adquirente, não
+algo que você liste ou cancele.
+
+A particularidade é a autenticação: **OAuth2 `client_credentials` num host
+separado do de API**, com o caminho do token diferente em cada ambiente. E o
+token **expira** — o PHPay renegocia sozinho quando isso acontece.
+
+```php
+use PHPay\Rede\Enums\TransactionKindEnum;
+use PHPay\Rede\RedeGateway;
+
+/* nenhuma chamada de rede aqui: o token é negociado no primeiro uso */
+$gateway = new RedeGateway(REDE_PV, REDE_TOKEN);
+
+$transacao = PHPay::gateway($gateway)->charge()
+    ->setReference('pedido-1')
+    ->setCard('5448280000000007', 'MARIO LUCAS', '12', '2030', '123')
+    ->setPayment(2099, TransactionKindEnum::CREDIT)   // R$ 20,99
+    ->setSoftDescriptor('PHPAY')
+    ->create();
+```
+
+Fluxo em duas etapas — autoriza agora, captura quando o pedido for separado:
+
+```php
+$phpay->setPayment(5000, capture: false)->create();
+
+$phpay->capture($tid);
+$phpay->refund($tid, 1000);   // estorna R$ 10,00
+```
+
+O código de retorno `"00"` significa aprovada:
+
+```php
+use PHPay\Rede\Enums\TransactionStatusEnum;
+
+TransactionStatusEnum::approved($phpay->getStatus($tid));
+```
+
+Num processo longo, dá para inspecionar ou descartar o token em mãos:
+
+```php
+$gateway->authorization()->hasValidToken();
+$gateway->authorization()->forget();
 ```
 
 ### Efí
@@ -679,13 +730,13 @@ Dois pontos merecem auditoria de quem vem da v1:
 
 ### Cobertura por gateway
 
-| | Asaas | Mercado Pago | PagBank | Pagar.me | Cielo | Efí |
-| --- | :---: | :---: | :---: | :---: | :---: | :---: |
-| Cobranças | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
-| Clientes | ✅ | ✅ | ✅ | ✅ | — | 🕥 |
-| Assinaturas | ✍️ | ✅ | ✅ | ✅ | ✅ | 🕥 |
-| Webhooks | ✅ | — | — | leitura ✅ | — | 🕥 |
-| Pix | ✅ | ✅ | ✅ | ✅ | ✅ | 🕥 |
+| | Asaas | Mercado Pago | PagBank | Pagar.me | Cielo | Rede | Efí |
+| --- | :---: | :---: | :---: | :---: | :---: | :---: | :---: |
+| Cobranças | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
+| Clientes | ✅ | ✅ | ✅ | ✅ | — | — | 🕥 |
+| Assinaturas | ✍️ | ✅ | ✅ | ✅ | ✅ | — | 🕥 |
+| Webhooks | ✅ | — | — | leitura ✅ | — | — | 🕥 |
+| Pix | ✅ | ✅ | ✅ | ✅ | ✅ | 🕥 | 🕥 |
 
 **✅** pronto · **✍️** parcial · **🕥** planejado · **—** não existe na API do gateway
 
diff --git a/composer.json b/composer.json
index 64f64a3..749ccb5 100644
--- a/composer.json
+++ b/composer.json
@@ -26,7 +26,8 @@
             "PHPay\\MercadoPago\\": "src/Gateways/MercadoPago/",
             "PHPay\\PagBank\\": "src/Gateways/PagBank/",
             "PHPay\\PagarMe\\": "src/Gateways/PagarMe/",
-            "PHPay\\Cielo\\": "src/Gateways/Cielo/"
+            "PHPay\\Cielo\\": "src/Gateways/Cielo/",
+            "PHPay\\Rede\\": "src/Gateways/Rede/"
         }
     },
     "autoload-dev": {
diff --git a/examples/rede/charges.php b/examples/rede/charges.php
new file mode 100644
index 0000000..dc7cd0c
--- /dev/null
+++ b/examples/rede/charges.php
@@ -0,0 +1,71 @@
+<?php
+
+use PHPay\Exceptions\PHPayException;
+use PHPay\PHPay;
+use PHPay\Rede\Enums\{TransactionKindEnum, TransactionStatusEnum};
+use PHPay\Rede\RedeGateway;
+use PHPay\Rede\Resources\Charge\Charge;
+
+require_once __DIR__ . '/../../vendor/autoload.php';
+
+require_once __DIR__ . '/credentials.php';
+
+/*
+| Nenhuma chamada de rede acontece aqui: o token OAuth é negociado na primeira
+| vez que um recurso precisa dele, e renegociado sozinho quando expira.
+*/
+$gateway = new RedeGateway(REDE_PV, REDE_TOKEN);
+
+/**
+ * @var Charge $phpay
+ */
+$phpay = PHPay::gateway($gateway)->charge();
+
+try {
+    /*
+    | Autoriza e captura de uma vez. Passe capture: false para autorizar agora
+    | e capturar depois.
+    |
+    | Todo valor é inteiro em CENTAVOS: R$ 20,99 é 2099.
+    */
+    $transacao = $phpay
+        ->setReference('pedido-' . time())
+        ->setCard('5448280000000007', 'MARIO LUCAS', '12', '2030', '123')
+        ->setPayment(2099, TransactionKindEnum::CREDIT, installments: 1, capture: true)
+        ->setSoftDescriptor('PHPAY')
+        ->create();
+
+    $tid = (string) $transacao['tid'];
+
+    /* "00" significa aprovada */
+    $codigo = $phpay->getStatus($tid);
+
+    if ($codigo !== null && TransactionStatusEnum::approved($codigo)) {
+        echo "Aprovada\n";
+    }
+
+    /* consulta pela referência do seu sistema */
+    $phpay->findByReference('pedido-1');
+
+    /* estorno parcial e total, em centavos */
+    $phpay->refund($tid, 1000);
+    $phpay->refund($tid);
+
+    /*
+    | Fluxo em duas etapas: autoriza agora, captura quando o pedido for
+    | separado. Entre as duas, o valor fica reservado no limite do portador
+    | mas não vira cobrança.
+    */
+    $emDuasEtapas = PHPay::gateway($gateway)->charge()
+        ->setReference('pedido-2-etapas-' . time())
+        ->setCard('5448280000000007', 'MARIO LUCAS', '12', '2030', '123')
+        ->setPayment(5000, TransactionKindEnum::CREDIT, capture: false)
+        ->create();
+
+    $phpay->capture((string) $emDuasEtapas['tid']);
+
+    /* num processo longo, dá para inspecionar ou descartar o token em mãos */
+    var_dump($gateway->authorization()->hasValidToken());
+} catch (PHPayException $exception) {
+    echo $exception->getMessage() . PHP_EOL;
+}
diff --git a/examples/rede/credentials.example.php b/examples/rede/credentials.example.php
new file mode 100644
index 0000000..4cc508d
--- /dev/null
+++ b/examples/rede/credentials.example.php
@@ -0,0 +1,13 @@
+<?php
+
+/*
+| Copie este arquivo para credentials.php e preencha com as credenciais de
+| sandbox. credentials.php é ignorado pelo git — nunca commite credencial real.
+|
+| O PV e o token de sandbox saem da área logada do portal de desenvolvedores,
+| criando um projeto associado à e.Rede:
+| https://developer.userede.com.br/
+*/
+
+const REDE_PV    = '';
+const REDE_TOKEN = '';
diff --git a/src/Gateways/Rede/Enums/TransactionKindEnum.php b/src/Gateways/Rede/Enums/TransactionKindEnum.php
new file mode 100644
index 0000000..af7678f
--- /dev/null
+++ b/src/Gateways/Rede/Enums/TransactionKindEnum.php
@@ -0,0 +1,9 @@
+<?php
+
+namespace PHPay\Rede\Enums;
+
+enum TransactionKindEnum: string
+{
+    case CREDIT = 'credit';
+    case DEBIT  = 'debit';
+}
diff --git a/src/Gateways/Rede/Enums/TransactionStatusEnum.php b/src/Gateways/Rede/Enums/TransactionStatusEnum.php
new file mode 100644
index 0000000..d30203e
--- /dev/null
+++ b/src/Gateways/Rede/Enums/TransactionStatusEnum.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace PHPay\Rede\Enums;
+
+/**
+ * return codes of a Rede transaction, as sent in returnCode.
+ *
+ * only the codes worth branching on are listed — Rede publishes dozens of
+ * decline reasons, and treating them as an exhaustive enum would break every
+ * time they add one.
+ */
+enum TransactionStatusEnum: string
+{
+    case APPROVED = '00';
+    case PENDING  = '220';
+
+    /**
+     * whether the given return code means the transaction went through.
+     *
+     * @param string $returnCode
+     * @return bool
+     */
+    public static function approved(string $returnCode): bool
+    {
+        return $returnCode === self::APPROVED->value;
+    }
+}
diff --git a/src/Gateways/Rede/Interface/RedeGatewayInterface.php b/src/Gateways/Rede/Interface/RedeGatewayInterface.php
new file mode 100644
index 0000000..559cb5a
--- /dev/null
+++ b/src/Gateways/Rede/Interface/RedeGatewayInterface.php
@@ -0,0 +1,34 @@
+<?php
+
+namespace PHPay\Rede\Interface;
+
+use PHPay\Contracts\SupportsCharges;
+use PHPay\Rede\Resources\Authorization\Authorization;
+use PHPay\Rede\Resources\Charge\Charge;
+
+/**
+ * the Rede gateway offers charges only.
+ *
+ * it is an acquirer, and the narrowest shape in the library alongside Efí.
+ * There is no customer resource, no webhook CRUD and no Pix key management.
+ * The transaction payload does carry a `subscription` flag, but that marks a
+ * recurring charge for the acquirer — it is not a subscription you can list,
+ * change or cancel, so SupportsSubscriptions is deliberately not declared.
+ */
+interface RedeGatewayInterface extends SupportsCharges
+{
+    /**
+     * get resource charge from gateway.
+     *
+     * @return Charge
+     */
+    public function charge(): Charge;
+
+    /**
+     * the OAuth authorization, exposed so a long-running process can inspect
+     * or reset the token it holds.
+     *
+     * @return Authorization
+     */
+    public function authorization(): Authorization;
+}
diff --git a/src/Gateways/Rede/RedeEnvironment.php b/src/Gateways/Rede/RedeEnvironment.php
new file mode 100644
index 0000000..e10e925
--- /dev/null
+++ b/src/Gateways/Rede/RedeEnvironment.php
@@ -0,0 +1,50 @@
+<?php
+
+namespace PHPay\Rede;
+
+/**
+ * hosts and paths of e.Rede, which differ in more than the domain: the token
+ * endpoint itself sits at a different path in each environment.
+ *
+ * kept apart from the client trait so the gateway can read the environment
+ * without pulling in the http verbs it does not use.
+ */
+final class RedeEnvironment
+{
+    /**
+     * base uri of the transactions API
+     *
+     * @param bool $sandbox
+     * @return string
+     */
+    public static function api(bool $sandbox): string
+    {
+        return $sandbox
+            ? 'https://sandbox-erede.useredecloud.com.br/v2/'
+            : 'https://api.userede.com.br/erede/v2/';
+    }
+
+    /**
+     * base uri of the authorization host
+     *
+     * @param bool $sandbox
+     * @return string
+     */
+    public static function oauth(bool $sandbox): string
+    {
+        return $sandbox
+            ? 'https://rl7-sandbox-api.useredecloud.com.br/'
+            : 'https://api.userede.com.br/';
+    }
+
+    /**
+     * path of the token endpoint
+     *
+     * @param bool $sandbox
+     * @return string
+     */
+    public static function tokenPath(bool $sandbox): string
+    {
+        return $sandbox ? 'oauth2/token' : 'redelabs/oauth2/token';
+    }
+}
diff --git a/src/Gateways/Rede/RedeGateway.php b/src/Gateways/Rede/RedeGateway.php
new file mode 100644
index 0000000..865b1e7
--- /dev/null
+++ b/src/Gateways/Rede/RedeGateway.php
@@ -0,0 +1,78 @@
+<?php
+
+namespace PHPay\Rede;
+
+use GuzzleHttp\Client;
+use PHPay\Rede\Interface\RedeGatewayInterface;
+use PHPay\Rede\Resources\Authorization\Authorization;
+use PHPay\Rede\Resources\Charge\Charge;
+
+class RedeGateway implements RedeGatewayInterface
+{
+    /**
+     * authorization shared by every resource, so the token is negotiated once
+     */
+    private ?Authorization $authorization = null;
+
+    /**
+     * construct
+     *
+     * no network call happens here — the token is negotiated on first use.
+     *
+     * @param string $affiliation PV
+     * @param string $secret token
+     * @param bool $sandbox
+     * @param Client|null $client injected API client, mainly for tests
+     * @param Client|null $oauthClient injected OAuth client, mainly for tests
+     */
+    public function __construct(
+        private string $affiliation,
+        private string $secret,
+        private bool $sandbox = true,
+        private ?Client $client = null,
+        private ?Client $oauthClient = null,
+    ) {
+    }
+
+    /**
+     * gateway name
+     *
+     * @return string
+     */
+    public function name(): string
+    {
+        return 'Rede';
+    }
+
+    /**
+     * the OAuth authorization, built once and shared by every resource.
+     *
+     * @return Authorization
+     */
+    public function authorization(): Authorization
+    {
+        if ($this->authorization === null) {
+            $this->authorization = new Authorization(
+                $this->affiliation,
+                $this->secret,
+                RedeEnvironment::tokenPath($this->sandbox),
+                $this->oauthClient ?? new Client([
+                    'base_uri' => RedeEnvironment::oauth($this->sandbox),
+                    'headers'  => ['accept' => 'application/json', 'user-agent' => 'PHPay'],
+                ])
+            );
+        }
+
+        return $this->authorization;
+    }
+
+    /**
+     * charge
+     *
+     * @return Charge
+     */
+    public function charge(): Charge
+    {
+        return new Charge($this->authorization(), $this->sandbox, $this->client);
+    }
+}
diff --git a/src/Gateways/Rede/Requests/RedeTransactionRequest.php b/src/Gateways/Rede/Requests/RedeTransactionRequest.php
new file mode 100644
index 0000000..5267cf9
--- /dev/null
+++ b/src/Gateways/Rede/Requests/RedeTransactionRequest.php
@@ -0,0 +1,71 @@
+<?php
+
+namespace PHPay\Rede\Requests;
+
+use PHPay\Exceptions\ValidationException;
+use PHPay\Rede\Enums\TransactionKindEnum;
+
+class RedeTransactionRequest
+{
+    /**
+     * validate transaction payload before sending it to the gateway.
+     *
+     * @param array<mixed> $transaction
+     * @return void
+     * @throws ValidationException
+     */
+    public static function validate(array $transaction): void
+    {
+        $messages = self::messages();
+
+        if (!isset($transaction['reference'])
+            || !is_string($transaction['reference'])
+            || trim($transaction['reference']) === ''
+        ) {
+            throw ValidationException::make('Rede', $messages->reference);
+        }
+
+        if (!isset($transaction['amount'])
+            || !is_int($transaction['amount'])
+            || $transaction['amount'] < 1
+        ) {
+            throw ValidationException::make('Rede', $messages->amount);
+        }
+
+        if (!isset($transaction['kind'])
+            || !is_string($transaction['kind'])
+            || !TransactionKindEnum::tryFrom($transaction['kind']) instanceof TransactionKindEnum
+        ) {
+            throw ValidationException::make('Rede', $messages->kind);
+        }
+
+        if (!isset($transaction['installments'])
+            || !is_int($transaction['installments'])
+            || $transaction['installments'] < 1
+        ) {
+            throw ValidationException::make('Rede', $messages->installments);
+        }
+
+        foreach (['cardNumber', 'cardHolderName', 'expirationMonth', 'expirationYear', 'securityCode'] as $field) {
+            if (!isset($transaction[$field])) {
+                throw ValidationException::make('Rede', $messages->card);
+            }
+        }
+    }
+
+    /**
+     * messages for validation
+     *
+     * @return object{reference: string, amount: string, kind: string, installments: string, card: string}
+     */
+    public static function messages(): object
+    {
+        return (object) [
+            'reference'    => 'O campo reference é obrigatório — é o identificador do pedido no seu sistema.',
+            'amount'       => 'O campo amount é obrigatório e deve ser um inteiro em CENTAVOS maior que zero. A Rede não aceita valor decimal: R$ 20,99 é 2099.',
+            'kind'         => 'O campo kind é obrigatório e aceita apenas: credit, debit.',
+            'installments' => 'O campo installments é obrigatório e deve ser um inteiro maior ou igual a 1.',
+            'card'         => 'Os dados do cartão são obrigatórios: cardNumber, cardHolderName, expirationMonth, expirationYear e securityCode. Use setCard().',
+        ];
+    }
+}
diff --git a/src/Gateways/Rede/Resources/Authorization/Authorization.php b/src/Gateways/Rede/Resources/Authorization/Authorization.php
new file mode 100644
index 0000000..5eaecdc
--- /dev/null
+++ b/src/Gateways/Rede/Resources/Authorization/Authorization.php
@@ -0,0 +1,143 @@
+<?php
+
+namespace PHPay\Rede\Resources\Authorization;
+
+use GuzzleHttp\Client;
+use PHPay\Exceptions\ApiException;
+use PHPay\Http\HasHttpClient;
+
+/**
+ * OAuth2 client_credentials against the Rede authorization host.
+ *
+ * Unlike every other gateway here, the Rede token expires: the response
+ * carries `expires_in`, so a long-running process has to renegotiate. This
+ * class owns that lifecycle and hands out a token that is still valid.
+ */
+class Authorization
+{
+    /**
+     * shared http verbs
+     */
+    use HasHttpClient;
+
+    /**
+     * client guzzle, pointed at the OAuth host
+     */
+    private Client $client;
+
+    /**
+     * token currently in hand
+     */
+    private ?string $token = null;
+
+    /**
+     * unix time after which the token is considered stale
+     */
+    private int $expiresAt = 0;
+
+    /**
+     * seconds subtracted from the advertised lifetime, so a token never
+     * expires between being handed out and being used
+     */
+    private const EXPIRY_MARGIN = 30;
+
+    /**
+     * construct
+     *
+     * @param string $affiliation PV
+     * @param string $secret token
+     * @param string $tokenPath differs between sandbox and production
+     * @param Client|null $client injected http client, mainly for tests
+     */
+    public function __construct(
+        private string $affiliation,
+        private string $secret,
+        private string $tokenPath,
+        ?Client $client = null,
+    ) {
+        $this->client = $client ?? new Client();
+    }
+
+    /**
+     * get a valid access token, renegotiating only when needed.
+     *
+     * @return string
+     * @throws ApiException
+     */
+    public function token(): string
+    {
+        if ($this->token !== null && time() < $this->expiresAt) {
+            return $this->token;
+        }
+
+        return $this->negotiate();
+    }
+
+    /**
+     * whether a token is held and still valid.
+     *
+     * @return bool
+     */
+    public function hasValidToken(): bool
+    {
+        return $this->token !== null && time() < $this->expiresAt;
+    }
+
+    /**
+     * drop the token in hand, forcing the next call to renegotiate.
+     *
+     * @return void
+     */
+    public function forget(): void
+    {
+        $this->token     = null;
+        $this->expiresAt = 0;
+    }
+
+    /**
+     * gateway name used in exception messages.
+     *
+     * @return string
+     */
+    protected function gatewayName(): string
+    {
+        return 'Rede';
+    }
+
+    /**
+     * exchange the credentials for a fresh token.
+     *
+     * @return string
+     * @throws ApiException
+     */
+    private function negotiate(): string
+    {
+        $response = $this->request('POST', $this->tokenPath, [
+            'form_params' => ['grant_type' => 'client_credentials'],
+            'headers'     => [
+                'Authorization' => 'Basic ' . base64_encode("{$this->affiliation}:{$this->secret}"),
+                'content-type'  => 'application/x-www-form-urlencoded',
+            ],
+        ]);
+
+        $token = $response['access_token'] ?? null;
+
+        if (!is_string($token) || $token === '') {
+            throw new ApiException(
+                'Rede: a autorização não retornou access_token.',
+                'Rede',
+                0,
+                $response
+            );
+        }
+
+        $expiresIn = $response['expires_in'] ?? null;
+
+        $lifetime = is_numeric($expiresIn) ? (int) $expiresIn : 300;
+
+        $this->token     = $token;
+        $this->expiresAt = time() + max(0, $lifetime - self::EXPIRY_MARGIN);
+
+        return $token;
+    }
+}
diff --git a/src/Gateways/Rede/Resources/Charge/Charge.php b/src/Gateways/Rede/Resources/Charge/Charge.php
new file mode 100644
index 0000000..b31b7d6
--- /dev/null
+++ b/src/Gateways/Rede/Resources/Charge/Charge.php
@@ -0,0 +1,254 @@
+<?php
+
+namespace PHPay\Rede\Resources\Charge;
+
+use GuzzleHttp\Client;
+use PHPay\Exceptions\{ApiException, ValidationException};
+use PHPay\Rede\Enums\TransactionKindEnum;
+use PHPay\Rede\Requests\RedeTransactionRequest;
+use PHPay\Rede\Resources\Authorization\Authorization;
+use PHPay\Rede\Resources\Charge\Interface\ChargeInterface;
+use PHPay\Rede\Traits\HasRedeClient;
+
+/**
+ * transactions of the e.Rede v2 API.
+ *
+ * every request carries a Bearer token negotiated on a separate host, and
+ * that token expires — the Authorization resource renegotiates when needed,
+ * so this class just asks for one before each call.
+ *
+ * Amounts are integers in cents: R$ 20,99 is 2099.
+ */
+class Charge implements ChargeInterface
+{
+    /**
+     * trait rede client
+     */
+    use HasRedeClient;
+
+    /**
+     * client guzzle, pointed at the transactions API
+     */
+    private Client $client;
+
+    /**
+     * @var array<mixed>
+     */
+    private array $transaction = [];
+
+    /**
+     * construct
+     *
+     * @param Authorization $authorization
+     * @param bool $sandbox
+     * @param Client|null $client injected http client, mainly for tests
+     */
+    public function __construct(
+        private Authorization $authorization,
+        private bool $sandbox = true,
+        ?Client $client = null,
+    ) {
+        $this->client = $client ?? $this->clientRedeBoot();
+    }
+
+    /**
+     * set the whole transaction payload
+     *
+     * @param array<mixed> $transaction
+     * @return ChargeInterface
+     */
+    public function setTransaction(array $transaction): ChargeInterface
+    {
+        $this->transaction = $transaction;
+
+        return $this;
+    }
+
+    /**
+     * set the order identifier of your own system
+     *
+     * @param string $reference
+     * @return ChargeInterface
+     */
+    public function setReference(string $reference): ChargeInterface
+    {
+        $this->transaction['reference'] = $reference;
+
+        return $this;
+    }
+
+    /**
+     * set the card being charged
+     *
+     * @param string $number
+     * @param string $holderName
+     * @param string $expirationMonth
+     * @param string $expirationYear
+     * @param string $securityCode
+     * @return ChargeInterface
+     */
+    public function setCard(
+        string $number,
+        string $holderName,
+        string $expirationMonth,
+        string $expirationYear,
+        string $securityCode
+    ): ChargeInterface {
+        $this->transaction['cardNumber']      = $number;
+        $this->transaction['cardHolderName']  = $holderName;
+        $this->transaction['expirationMonth'] = $expirationMonth;
+        $this->transaction['expirationYear']  = $expirationYear;
+        $this->transaction['securityCode']    = $securityCode;
+
+        return $this;
+    }
+
+    /**
+     * set how the card is charged
+     *
+     * @param int $amount amount in cents
+     * @param TransactionKindEnum $kind
+     * @param int $installments
+     * @param bool $capture false authorizes only — capture later with capture()
+     * @return ChargeInterface
+     */
+    public function setPayment(
+        int $amount,
+        TransactionKindEnum $kind = TransactionKindEnum::CREDIT,
+        int $installments = 1,
+        bool $capture = true
+    ): ChargeInterface {
+        $this->transaction['amount']       = $amount;
+        $this->transaction['kind']         = $kind->value;
+        $this->transaction['installments'] = $installments;
+        $this->transaction['capture']      = $capture;
+
+        return $this;
+    }
+
+    /**
+     * set what shows on the cardholder statement
+     *
+     * @param string $softDescriptor
+     * @return ChargeInterface
+     */
+    public function setSoftDescriptor(string $softDescriptor): ChargeInterface
+    {
+        $this->transaction['softDescriptor'] = $softDescriptor;
+
+        return $this;
+    }
+
+    /**
+     * create the transaction
+     *
+     * @return array<mixed>
+     * @throws ValidationException|ApiException
+     */
+    public function create(): array
+    {
+        $this->transaction['reference'] = $this->transaction['reference'] ?? uniqid('phpay_');
+
+        RedeTransactionRequest::validate($this->transaction);
+
+        return $this->request('POST', 'transactions', $this->authorized([
+            'json' => $this->transaction,
+        ]));
+    }
+
+    /**
+     * find a transaction by its tid
+     *
+     * @param string $tid
+     * @return array<mixed>
+     * @throws ApiException
+     */
+    public function find(string $tid): array
+    {
+        return $this->request('GET', "transactions/{$tid}", $this->authorized());
+    }
+
+    /**
+     * find a transaction by the reference of your own system
+     *
+     * @param string $reference
+     * @return array<mixed>
+     * @throws ApiException
+     */
+    public function findByReference(string $reference): array
+    {
+        return $this->request('GET', 'transactions', $this->authorized([
+            'query' => ['reference' => $reference],
+        ]));
+    }
+
+    /**
+     * get the return code of a transaction.
+     *
+     * "00" means approved — see TransactionStatusEnum::approved().
+     *
+     * @param string $tid
+     * @return string|null
+     * @throws ApiException
+     */
+    public function getStatus(string $tid): ?string
+    {
+        $transaction = $this->find($tid);
+
+        $code = $transaction['returnCode'] ?? null;
+
+        return is_string($code) ? $code : null;
+    }
+
+    /**
+     * capture a previously authorized transaction
+     *
+     * @param string $tid
+     * @param int|null $amount amount in cents; null captures the full value
+     * @return array<mixed>
+     * @throws ApiException
+     */
+    public function capture(string $tid, ?int $amount = null): array
+    {
+        return $this->request('PUT', "transactions/{$tid}", $this->authorized([
+            'json' => $amount === null ? [] : ['amount' => $amount],
+        ]));
+    }
+
+    /**
+     * refund a transaction, fully or partially
+     *
+     * @param string $tid
+     * @param int|null $amount amount in cents; null refunds the full value
+     * @return array<mixed>
+     * @throws ApiException
+     */
+    public function refund(string $tid, ?int $amount = null): array
+    {
+        return $this->request('POST', "transactions/{$tid}/refunds", $this->authorized([
+            'json' => $amount === null ? [] : ['amount' => $amount],
+        ]));
+    }
+
+    /**
+     * add the Bearer token to the request options.
+     *
+     * asked for on every call: the Authorization resource hands back the
+     * token it holds, and renegotiates only when that one has expired.
+     *
+     * @param array<mixed> $options
+     * @return array<mixed>
+     * @throws ApiException
+     */
+    private function authorized(array $options = []): array
+    {
+        $headers = $options['headers'] ?? [];
+
+        $options['headers'] = array_merge(
+            is_array($headers) ? $headers : [],
+            ['Authorization' => 'Bearer ' . $this->authorization->token()]
+        );
+
+        return $options;
+    }
+}
diff --git a/src/Gateways/Rede/Resources/Charge/Interface/ChargeInterface.php b/src/Gateways/Rede/Resources/Charge/Interface/ChargeInterface.php
new file mode 100644
index 0000000..a9b529c
--- /dev/null
+++ b/src/Gateways/Rede/Resources/Charge/Interface/ChargeInterface.php
@@ -0,0 +1,115 @@
+<?php
+
+namespace PHPay\Rede\Resources\Charge\Interface;
+
+use PHPay\Rede\Enums\TransactionKindEnum;
+
+interface ChargeInterface
+{
+    /**
+     * set the whole transaction payload
+     *
+     * @param array<mixed> $transaction
+     * @return ChargeInterface
+     */
+    public function setTransaction(array $transaction): ChargeInterface;
+
+    /**
+     * set the order identifier of your own system
+     *
+     * @param string $reference
+     * @return ChargeInterface
+     */
+    public function setReference(string $reference): ChargeInterface;
+
+    /**
+     * set the card being charged
+     *
+     * @param string $number
+     * @param string $holderName
+     * @param string $expirationMonth
+     * @param string $expirationYear
+     * @param string $securityCode
+     * @return ChargeInterface
+     */
+    public function setCard(
+        string $number,
+        string $holderName,
+        string $expirationMonth,
+        string $expirationYear,
+        string $securityCode
+    ): ChargeInterface;
+
+    /**
+     * set how the card is charged
+     *
+     * @param int $amount amount in cents
+     * @param TransactionKindEnum $kind
+     * @param int $installments
+     * @param bool $capture true authorizes and captures in one step
+     * @return ChargeInterface
+     */
+    public function setPayment(
+        int $amount,
+        TransactionKindEnum $kind = TransactionKindEnum::CREDIT,
+        int $installments = 1,
+        bool $capture = true
+    ): ChargeInterface;
+
+    /**
+     * set what shows on the cardholder statement
+     *
+     * @param string $softDescriptor
+     * @return ChargeInterface
+     */
+    public function setSoftDescriptor(string $softDescriptor): ChargeInterface;
+
+    /**
+     * create the transaction
+     *
+     * @return array<mixed>
+     */
+    public function create(): array;
+
+    /**
+     * find a transaction by its tid
+     *
+     * @param string $tid
+     * @return array<mixed>
+     */
+    public function find(string $tid): array;
+
+    /**
+     * find a transaction by the reference of your own system
+     *
+     * @param string $reference
+     * @return array<mixed>
+     */
+    public function findByReference(string $reference): array;
+
+    /**
+     * get the return code of a transaction
+     *
+     * @param string $tid
+     * @return string|null
+     */
+    public function getStatus(string $tid): ?string;
+
+    /**
+     * capture a previously authorized transaction
+     *
+     * @param string $tid
+     * @param int|null $amount amount in cents
+     * @return array<mixed>
+     */
+    public function capture(string $tid, ?int $amount = null): array;
+
+    /**
+     * refund a transaction, fully or partially
+     *
+     * @param string $tid
+     * @param int|null $amount amount in cents
+     * @return array<mixed>
+     */
+    public function refund(string $tid, ?int $amount = null): array;
+}
diff --git a/src/Gateways/Rede/Traits/HasRedeClient.php b/src/Gateways/Rede/Traits/HasRedeClient.php
new file mode 100644
index 0000000..79960f0
--- /dev/null
+++ b/src/Gateways/Rede/Traits/HasRedeClient.php
@@ -0,0 +1,93 @@
+<?php
+
+namespace PHPay\Rede\Traits;
+
+use GuzzleHttp\Client;
+use PHPay\Http\HasHttpClient;
+use PHPay\Rede\RedeEnvironment;
+
+/**
+ * Rede splits authorization from the API: the token is negotiated on one host
+ * and spent on another, and the token path itself differs between sandbox and
+ * production.
+ */
+trait HasRedeClient
+{
+    /**
+     * shared http verbs
+     */
+    use HasHttpClient;
+
+    /**
+     * boot client for the transactions API
+     *
+     * @return Client
+     */
+    protected function clientRedeBoot(): Client
+    {
+        return new Client([
+            'base_uri' => $this->baseUri(),
+            'headers'  => [
+                'content-type' => 'application/json',
+                'accept'       => 'application/json',
+                'user-agent'   => 'PHPay',
+            ],
+        ]);
+    }
+
+    /**
+     * boot client for the authorization host
+     *
+     * @return Client
+     */
+    protected function clientRedeOauthBoot(): Client
+    {
+        return new Client([
+            'base_uri' => $this->oauthUri(),
+            'headers'  => [
+                'accept'     => 'application/json',
+                'user-agent' => 'PHPay',
+            ],
+        ]);
+    }
+
+    /**
+     * base uri of the transactions API
+     *
+     * @return string
+     */
+    protected function baseUri(): string
+    {
+        return RedeEnvironment::api($this->sandbox);
+    }
+
+    /**
+     * base uri of the authorization host
+     *
+     * @return string
+     */
+    protected function oauthUri(): string
+    {
+        return RedeEnvironment::oauth($this->sandbox);
+    }
+
+    /**
+     * path of the token endpoint, which differs between environments
+     *
+     * @return string
+     */
+    protected function oauthTokenPath(): string
+    {
+        return RedeEnvironment::tokenPath($this->sandbox);
+    }
+
+    /**
+     * gateway name used in exception messages.
+     *
+     * @return string
+     */
+    protected function gatewayName(): string
+    {
+        return 'Rede';
+    }
+}
diff --git a/tests/Pest.php b/tests/Pest.php
index 187f8ee..a197e81 100644
--- a/tests/Pest.php
+++ b/tests/Pest.php
@@ -122,3 +122,27 @@ function cieloQueryClient(array $responses, array &$history = []): Client
 {
     return mockClient($responses, $history, 'https://apiquerysandbox.cieloecommerce.cielo.com.br/');
 }
+
+/**
+ * mock client already pointed at the Rede sandbox transactions host.
+ *
+ * @param array<int, Response|Throwable> $responses
+ * @param array<int, mixed> $history filled with the recorded transactions
+ * @return Client
+ */
+function redeClient(array $responses, array &$history = []): Client
+{
+    return mockClient($responses, $history, 'https://sandbox-erede.useredecloud.com.br/v2/');
+}
+
+/**
+ * mock client already pointed at the Rede sandbox OAuth host.
+ *
+ * @param array<int, Response|Throwable> $responses
+ * @param array<int, mixed> $history filled with the recorded transactions
+ * @return Client
+ */
+function redeOauthClient(array $responses, array &$history = []): Client
+{
+    return mockClient($responses, $history, 'https://rl7-sandbox-api.useredecloud.com.br/');
+}
diff --git a/tests/Unit/Rede/AuthorizationTest.php b/tests/Unit/Rede/AuthorizationTest.php
new file mode 100644
index 0000000..4339a53
--- /dev/null
+++ b/tests/Unit/Rede/AuthorizationTest.php
@@ -0,0 +1,72 @@
+<?php
+
+use PHPay\Exceptions\ApiException;
+use PHPay\Rede\Resources\Authorization\Authorization;
+
+it('negocia o token uma vez e reaproveita enquanto vale', function () {
+    $history = [];
+    $client  = redeOauthClient([jsonResponse(['access_token' => 'tok_1', 'expires_in' => 3600])], $history);
+
+    $auth = new Authorization('pv', 'segredo', 'oauth2/token', $client);
+
+    expect($auth->token())->toBe('tok_1')
+        ->and($auth->token())->toBe('tok_1')
+        ->and($auth->token())->toBe('tok_1')
+        ->and($history)->toHaveCount(1);
+})->group('rede');
+
+it('autentica a negociação com basic auth de PV e token', function () {
+    $history = [];
+    $client  = redeOauthClient([jsonResponse(['access_token' => 'tok_1', 'expires_in' => 3600])], $history);
+
+    (new Authorization('minha-pv', 'meu-segredo', 'oauth2/token', $client))->token();
+
+    $request = $history[0]['request'];
+
+    expect($request->getMethod())->toBe('POST')
+        ->and((string) $request->getUri())->toEndWith('/oauth2/token')
+        ->and($request->getHeaderLine('Authorization'))
+        ->toBe('Basic ' . base64_encode('minha-pv:meu-segredo'))
+        ->and((string) $request->getBody())->toBe('grant_type=client_credentials');
+})->group('rede');
+
+it('renegocia quando o token expira', function () {
+    $history = [];
+    $client  = redeOauthClient([
+        /* expires_in menor que a margem de 30s: nasce já vencido */
+        jsonResponse(['access_token' => 'tok_1', 'expires_in' => 10]),
+        jsonResponse(['access_token' => 'tok_2', 'expires_in' => 3600]),
+    ], $history);
+
+    $auth = new Authorization('pv', 'segredo', 'oauth2/token', $client);
+
+    expect($auth->token())->toBe('tok_1')
+        ->and($auth->hasValidToken())->toBeFalse()
+        ->and($auth->token())->toBe('tok_2')
+        ->and($auth->hasValidToken())->toBeTrue()
+        ->and($history)->toHaveCount(2);
+})->group('rede');
+
+it('permite descartar o token em mãos', function () {
+    $history = [];
+    $client  = redeOauthClient([
+        jsonResponse(['access_token' => 'tok_1', 'expires_in' => 3600]),
+        jsonResponse(['access_token' => 'tok_2', 'expires_in' => 3600]),
+    ], $history);
+
+    $auth = new Authorization('pv', 'segredo', 'oauth2/token', $client);
+
+    $auth->token();
+    $auth->forget();
+
+    expect($auth->hasValidToken())->toBeFalse()
+        ->and($auth->token())->toBe('tok_2')
+        ->and($history)->toHaveCount(2);
+})->group('rede');
+
+it('falha com ApiException quando a negociação não devolve access_token', function () {
+    $client = redeOauthClient([jsonResponse(['error' => 'invalid_client'])]);
+
+    expect(fn () => (new Authorization('pv', 'segredo', 'oauth2/token', $client))->token())
+        ->toThrow(ApiException::class, 'access_token');
+})->group('rede');
diff --git a/tests/Unit/Rede/RedeGatewayTest.php b/tests/Unit/Rede/RedeGatewayTest.php
new file mode 100644
index 0000000..f9b160e
--- /dev/null
+++ b/tests/Unit/Rede/RedeGatewayTest.php
@@ -0,0 +1,156 @@
+<?php
+
+use PHPay\Contracts\Capability;
+use PHPay\Exceptions\{NotImplementedException, ValidationException};
+use PHPay\PHPay;
+use PHPay\Rede\Enums\{TransactionKindEnum, TransactionStatusEnum};
+use PHPay\Rede\{RedeEnvironment, RedeGateway};
+use PHPay\Rede\Resources\Charge\Charge;
+
+/**
+ * @param array<int, mixed> $api
+ * @param array<int, mixed> $historicoApi
+ * @return RedeGateway
+ */
+function redeGateway(array $api = [], array &$historicoApi = []): RedeGateway
+{
+    $oauth = [];
+
+    return new RedeGateway(
+        'pv',
+        'segredo',
+        true,
+        redeClient($api, $historicoApi),
+        redeOauthClient([jsonResponse(['access_token' => 'tok_1', 'expires_in' => 3600])], $oauth)
+    );
+}
+
+it('declara apenas cobranças', function () {
+    expect(Capability::of(redeGateway()))->toBe([Capability::CHARGES]);
+})->group('rede');
+
+it('recusa as outras quatro capacidades pela facade', function (Capability $capability) {
+    $phpay = PHPay::gateway(redeGateway());
+
+    expect($phpay->supports($capability))->toBeFalse();
+
+    expect(fn () => match ($capability) {
+        Capability::CUSTOMERS     => $phpay->customer(),
+        Capability::WEBHOOKS      => $phpay->webhook(),
+        Capability::SUBSCRIPTIONS => $phpay->subscription(),
+        default                   => $phpay->pix(),
+    })->toThrow(NotImplementedException::class, 'Rede não suporta');
+})->with([
+    Capability::CUSTOMERS,
+    Capability::WEBHOOKS,
+    Capability::SUBSCRIPTIONS,
+    Capability::PIX_KEYS,
+])->group('rede');
+
+it('separa o host de autorização do host de api, com caminho de token por ambiente', function () {
+    expect(RedeEnvironment::api(true))->toBe('https://sandbox-erede.useredecloud.com.br/v2/')
+        ->and(RedeEnvironment::api(false))->toBe('https://api.userede.com.br/erede/v2/')
+        ->and(RedeEnvironment::oauth(true))->toBe('https://rl7-sandbox-api.useredecloud.com.br/')
+        ->and(RedeEnvironment::oauth(false))->toBe('https://api.userede.com.br/')
+        ->and(RedeEnvironment::tokenPath(true))->toBe('oauth2/token')
+        ->and(RedeEnvironment::tokenPath(false))->toBe('redelabs/oauth2/token');
+})->group('rede');
+
+it('não faz chamada de rede ao instanciar o gateway', function () {
+    $api   = [];
+    $oauth = [];
+
+    new RedeGateway('pv', 'segredo', true, redeClient([], $api), redeOauthClient([], $oauth));
+
+    expect($api)->toBeEmpty()->and($oauth)->toBeEmpty();
+})->group('rede');
+
+it('compartilha a mesma autorização entre os recursos', function () {
+    $gateway = redeGateway();
+
+    expect($gateway->authorization())->toBe($gateway->authorization());
+})->group('rede');
+
+it('cria a transação com bearer token e valor em centavos', function () {
+    $api    = [];
+    $phpay  = redeGateway([jsonResponse(['tid' => 'tid_1', 'returnCode' => '00'])], $api);
+    $charge = $phpay->charge();
+
+    $charge
+        ->setReference('pedido-1')
+        ->setCard('5448280000000007', 'MARIO LUCAS', '12', '2030', '123')
+        ->setPayment(2099, TransactionKindEnum::CREDIT, 1, true)
+        ->setSoftDescriptor('PHPAY')
+        ->create();
+
+    $request = $api[0]['request'];
+    $body    = recordedBody($api);
+
+    expect((string) $request->getUri())->toEndWith('/v2/transactions')
+        ->and($request->getHeaderLine('Authorization'))->toBe('Bearer tok_1')
+        ->and($body['amount'])->toBe(2099)
+        ->and($body['kind'])->toBe('credit')
+        ->and($body['capture'])->toBeTrue()
+        ->and($body['softDescriptor'])->toBe('PHPAY');
+})->group('rede');
+
+it('captura, estorna e consulta nos endpoints certos', function () {
+    $api    = [];
+    $charge = redeGateway([
+        jsonResponse([]), jsonResponse([]), jsonResponse(['returnCode' => '00']),
+    ], $api)->charge();
+
+    $charge->capture('tid_1', 1000);
+    $charge->refund('tid_1');
+    $status = $charge->getStatus('tid_1');
+
+    expect($api[0]['request']->getMethod())->toBe('PUT')
+        ->and((string) $api[0]['request']->getUri())->toEndWith('/transactions/tid_1')
+        ->and(recordedBody($api, 0))->toBe(['amount' => 1000])
+        ->and($api[1]['request']->getMethod())->toBe('POST')
+        ->and((string) $api[1]['request']->getUri())->toEndWith('/transactions/tid_1/refunds')
+        ->and($api[2]['request']->getMethod())->toBe('GET')
+        ->and($status)->toBe('00')
+        ->and(TransactionStatusEnum::approved('00'))->toBeTrue()
+        ->and(TransactionStatusEnum::approved('51'))->toBeFalse();
+})->group('rede');
+
+it('busca pela referência do seu sistema', function () {
+    $api    = [];
+    $charge = redeGateway([jsonResponse([])], $api)->charge();
+
+    $charge->findByReference('pedido-1');
+
+    expect((string) $api[0]['request']->getUri())->toContain('reference=pedido-1');
+})->group('rede');
+
+it('valida a transação antes de chamar a API', function (callable $montar, string $esperado) {
+    $api    = [];
+    $charge = redeGateway([jsonResponse([])], $api)->charge();
+
+    expect(fn () => $montar($charge)->create())
+        ->toThrow(ValidationException::class, $esperado);
+
+    expect($api)->toBeEmpty();
+})->with([
+    'sem cartão' => [
+        fn (Charge $c) => $c->setReference('p1')->setPayment(100),
+        'dados do cartão são obrigatórios',
+    ],
+    'sem valor' => [
+        fn (Charge $c) => $c->setReference('p1')->setCard('5448', 'M L', '12', '2030', '123'),
+        'O campo amount é obrigatório',
+    ],
+    'valor decimal' => [
+        fn (Charge $c) => $c->setTransaction([
+            'reference' => 'p1', 'amount' => 20.99, 'kind' => 'credit', 'installments' => 1,
+        ]),
+        'CENTAVOS',
+    ],
+    'kind fora do enum' => [
+        fn (Charge $c) => $c->setTransaction([
+            'reference' => 'p1', 'amount' => 2099, 'kind' => 'voucher', 'installments' => 1,
+        ]),
+        'credit, debit',
+    ],
+])->group('rede');