diff --git a/CLAUDE.md b/CLAUDE.md
index 94252ff..00681c0 100644
--- a/CLAUDE.md
+++ b/CLAUDE.md
@@ -135,6 +135,25 @@ e rode `php examples/asaas/charges.php` (ou `make asaas resource=charges`).
   `PHPay\Efi\`, `PHPay\MercadoPago\` → `src/Gateways/<Gateway>/`. Gateway novo
   precisa de um root novo no `composer.json` — não introduza `PHPay\Gateways\...`.
 
+## Cliente
+
+Use **`PHPay\Support\Customer`**. O mesmo campo tem seis grafias entre os gateways
+(`cpfCnpj`, `tax_id`, `document`, `taxId`, `taxID`, `cpf_cnpj`), e o VO é a forma única.
+
+- `Customer::make()` limpa pontuação de documento e telefone; o construtor não.
+- **O mapeamento mora na classe `*CustomerRequest` de cada gateway**, em
+  `fromCustomer(Customer): array` — ela já detém o conhecimento do schema daquele
+  gateway, então validação e mapeamento ficam juntos. Gateway novo com cliente deve
+  ter o mesmo método.
+- Todo `setCustomer()` e `customer()` aceita `Customer|array`. Array continua
+  funcionando; não remova esse caminho sem major.
+- Lógica derivada mora no VO, não nos gateways: `isIndividual()`, `documentType()`,
+  `firstName()`/`lastName()`, `phoneParts()`. Se um gateway novo precisar de outra
+  derivação, acrescente lá em vez de calcular no mapper.
+- `withExtra()` é para campo específico de um gateway. **Nenhum campo obrigatório
+  precisa dele hoje** — se um gateway novo precisar, é sinal de que o VO está
+  faltando algo.
+
 ## Valores monetários
 
 Use **`PHPay\Support\Money`**. Os gateways discordam da unidade — Asaas e Mercado
diff --git a/README.md b/README.md
index 12517f4..d08bed3 100644
--- a/README.md
+++ b/README.md
@@ -261,6 +261,50 @@ Nos dois últimos, `isSandbox()` diz em qual ambiente você está:
 > **Nunca** versione credenciais. Os arquivos `examples/*/credentials.php` são
 > ignorados pelo git por padrão.
 
+### Cliente
+
+O mesmo campo tem **seis grafias** entre os gateways: `cpfCnpj` no Asaas,
+`tax_id` no PagBank, `document` no Pagar.me, `taxId` no AbacatePay, `taxID` no
+Woovi, `cpf_cnpj` no Efí. Código escrito para um não migra para outro, e nada
+no tipo avisa.
+
+`Customer` é a forma única. Cada gateway mapeia para o formato dele:
+
+```php
+use PHPay\Support\Customer;
+
+$cliente = Customer::make(
+    name: 'Mário Lucas',
+    document: '123.456.789-01',     // pontuação é limpa
+    email: 'fale@phpay.io',
+    phone: '(11) 94002-8922',
+);
+
+$phpay->charge()->setCustomer($cliente);   // funciona nos nove
+```
+
+Ele também carrega o que cada gateway deriva do cliente, e que antes ficava
+espalhado:
+
+```php
+$cliente->isIndividual();   // CPF: o Pagar.me precisa como type: 'individual'
+$cliente->documentType();   // 'CPF' | 'CNPJ': a Cielo quer em IdentityType
+$cliente->firstName();      // o Mercado Pago quer nome e sobrenome separados
+$cliente->phoneParts();     // ['country' => '55', 'area' => '11', ...] para o PagBank
+```
+
+Para um cliente que já existe no gateway, ou para campos que só aquele gateway
+tem:
+
+```php
+$cliente->withId('cus_000006337812');            // reaproveita em vez de criar
+$cliente->withExtra(['externalReference' => 'x']); // vai junto no payload
+```
+
+> O `withExtra()` existe para o que é específico de um gateway — endereço,
+> data de nascimento, referência externa. **Nenhum campo obrigatório de
+> nenhum dos nove gateways precisa dele**: o value object cobre todos.
+
 ### Unidade monetária
 
 Os gateways discordam sobre a unidade, e **errar não quebra a integração — ela
diff --git a/src/Contracts/SupportsCustomers.php b/src/Contracts/SupportsCustomers.php
index b849540..3bbd798 100644
--- a/src/Contracts/SupportsCustomers.php
+++ b/src/Contracts/SupportsCustomers.php
@@ -2,6 +2,8 @@
 
 namespace PHPay\Contracts;
 
+use PHPay\Support\Customer as CustomerData;
+
 /**
  * the gateway exposes customers as a resource of their own.
  */
@@ -13,5 +15,5 @@ interface SupportsCustomers extends GatewayInterface
      * @param array<mixed> $customer
      * @return object
      */
-    public function customer(array $customer = []): object;
+    public function customer(CustomerData|array $customer = []): object;
 }
diff --git a/src/Gateways/AbacatePay/AbacatePayGateway.php b/src/Gateways/AbacatePay/AbacatePayGateway.php
index 9da9d44..b65c305 100644
--- a/src/Gateways/AbacatePay/AbacatePayGateway.php
+++ b/src/Gateways/AbacatePay/AbacatePayGateway.php
@@ -4,9 +4,11 @@
 
 use GuzzleHttp\Client;
 use PHPay\AbacatePay\Interface\AbacatePayGatewayInterface;
+use PHPay\AbacatePay\Requests\AbacatePayCustomerRequest;
 use PHPay\AbacatePay\Resources\Charge\Charge;
 use PHPay\AbacatePay\Resources\Coupon\Coupon;
 use PHPay\AbacatePay\Resources\Customer\Customer;
+use PHPay\Support\Customer as CustomerData;
 
 class AbacatePayGateway implements AbacatePayGatewayInterface
 {
@@ -43,8 +45,12 @@ public function name(): string
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer
+    public function customer(CustomerData|array $customer = []): Customer
     {
+        if ($customer instanceof CustomerData) {
+            $customer = AbacatePayCustomerRequest::fromCustomer($customer);
+        }
+
         return new Customer($this->token, $customer, $this->client);
     }
 
diff --git a/src/Gateways/AbacatePay/Interface/AbacatePayGatewayInterface.php b/src/Gateways/AbacatePay/Interface/AbacatePayGatewayInterface.php
index c244fe6..dfdbc40 100644
--- a/src/Gateways/AbacatePay/Interface/AbacatePayGatewayInterface.php
+++ b/src/Gateways/AbacatePay/Interface/AbacatePayGatewayInterface.php
@@ -6,6 +6,7 @@
 use PHPay\AbacatePay\Resources\Coupon\Coupon;
 use PHPay\AbacatePay\Resources\Customer\Customer;
 use PHPay\Contracts\{SupportsCharges, SupportsCustomers};
+use PHPay\Support\Customer as CustomerData;
 
 /**
  * the AbacatePay gateway offers customers and charges.
@@ -28,7 +29,7 @@ interface AbacatePayGatewayInterface extends
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer;
+    public function customer(CustomerData|array $customer = []): Customer;
 
     /**
      * get resource charge from gateway.
diff --git a/src/Gateways/AbacatePay/Requests/AbacatePayCustomerRequest.php b/src/Gateways/AbacatePay/Requests/AbacatePayCustomerRequest.php
index c5cb752..4452ec2 100644
--- a/src/Gateways/AbacatePay/Requests/AbacatePayCustomerRequest.php
+++ b/src/Gateways/AbacatePay/Requests/AbacatePayCustomerRequest.php
@@ -3,6 +3,7 @@
 namespace PHPay\AbacatePay\Requests;
 
 use PHPay\Exceptions\ValidationException;
+use PHPay\Support\Customer;
 
 class AbacatePayCustomerRequest
 {
@@ -57,4 +58,21 @@ public static function messages(): object
             'taxId'     => 'O campo taxId é obrigatório — é o CPF ou CNPJ do cliente.',
         ];
     }
+
+    /**
+     * map the library's Customer onto the payload AbacatePay expects.
+     *
+     * @param Customer $customer
+     * @return array<mixed>
+     */
+    public static function fromCustomer(Customer $customer): array
+    {
+        return array_filter([
+            'name'      => $customer->name,
+            'email'     => $customer->email,
+            'cellphone' => $customer->phone,
+            'taxId'     => $customer->document,
+        ], fn ($value) => $value !== null) + $customer->extra();
+    }
+
 }
diff --git a/src/Gateways/AbacatePay/Resources/Charge/Charge.php b/src/Gateways/AbacatePay/Resources/Charge/Charge.php
index bc8cc7e..38d2f95 100644
--- a/src/Gateways/AbacatePay/Resources/Charge/Charge.php
+++ b/src/Gateways/AbacatePay/Resources/Charge/Charge.php
@@ -4,11 +4,11 @@
 
 use GuzzleHttp\Client;
 use PHPay\AbacatePay\Enums\{BillingFrequencyEnum, BillingMethodEnum};
-use PHPay\AbacatePay\Requests\AbacatePayBillingRequest;
+use PHPay\AbacatePay\Requests\{AbacatePayBillingRequest, AbacatePayCustomerRequest};
 use PHPay\AbacatePay\Resources\Charge\Interface\ChargeInterface;
 use PHPay\AbacatePay\Traits\HasAbacatePayClient;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\Support\Money;
+use PHPay\Support\{Customer as CustomerData, Money};
 
 /**
  * billings of the AbacatePay API.
@@ -86,8 +86,16 @@ public function setCustomerId(string $customerId): ChargeInterface
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface
+    public function setCustomer(CustomerData|array $customer): ChargeInterface
     {
+        if ($customer instanceof CustomerData) {
+            if ($customer->id !== null) {
+                return $this->setCustomerId($customer->id);
+            }
+
+            $customer = AbacatePayCustomerRequest::fromCustomer($customer);
+        }
+
         if (isset($customer['id']) && is_string($customer['id']) && $customer['id'] !== '') {
             return $this->setCustomerId($customer['id']);
         }
diff --git a/src/Gateways/AbacatePay/Resources/Charge/Interface/ChargeInterface.php b/src/Gateways/AbacatePay/Resources/Charge/Interface/ChargeInterface.php
index c41303f..9ad303a 100644
--- a/src/Gateways/AbacatePay/Resources/Charge/Interface/ChargeInterface.php
+++ b/src/Gateways/AbacatePay/Resources/Charge/Interface/ChargeInterface.php
@@ -2,7 +2,7 @@
 
 namespace PHPay\AbacatePay\Resources\Charge\Interface;
 
-use PHPay\Support\Money;
+use PHPay\Support\{Customer as CustomerData, Money};
 
 interface ChargeInterface
 {
@@ -28,7 +28,7 @@ public function setCustomerId(string $customerId): ChargeInterface;
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface;
+    public function setCustomer(CustomerData|array $customer): ChargeInterface;
 
     /**
      * set the products being charged
diff --git a/src/Gateways/Asaas/AsaasGateway.php b/src/Gateways/Asaas/AsaasGateway.php
index 0400c14..406f3bd 100644
--- a/src/Gateways/Asaas/AsaasGateway.php
+++ b/src/Gateways/Asaas/AsaasGateway.php
@@ -4,11 +4,13 @@
 
 use GuzzleHttp\Client;
 use PHPay\Asaas\Interface\AsaasGatewayInterface;
+use PHPay\Asaas\Requests\AsaasCustomerRequest;
 use PHPay\Asaas\Resources\Charge\Charge;
 use PHPay\Asaas\Resources\Customer\Customer;
 use PHPay\Asaas\Resources\Pix\Pix;
 use PHPay\Asaas\Resources\Subscription\Subscription;
 use PHPay\Asaas\Resources\Webhook\Webhook;
+use PHPay\Support\Customer as CustomerData;
 
 class AsaasGateway implements AsaasGatewayInterface
 {
@@ -42,8 +44,12 @@ public function name(): string
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer
+    public function customer(CustomerData|array $customer = []): Customer
     {
+        if ($customer instanceof CustomerData) {
+            $customer = AsaasCustomerRequest::fromCustomer($customer);
+        }
+
         return new Customer($this->token, $customer, $this->sandbox, $this->client);
     }
 
diff --git a/src/Gateways/Asaas/Interface/AsaasGatewayInterface.php b/src/Gateways/Asaas/Interface/AsaasGatewayInterface.php
index 9fc4a00..f1ef170 100644
--- a/src/Gateways/Asaas/Interface/AsaasGatewayInterface.php
+++ b/src/Gateways/Asaas/Interface/AsaasGatewayInterface.php
@@ -8,6 +8,7 @@
 use PHPay\Asaas\Resources\Subscription\Subscription;
 use PHPay\Asaas\Resources\Webhook\Webhook;
 use PHPay\Contracts\{SupportsCharges, SupportsCustomers, SupportsPixKeys, SupportsSubscriptions, SupportsWebhooks};
+use PHPay\Support\Customer as CustomerData;
 
 /**
  * the Asaas gateway offers every capability the library models.
@@ -25,7 +26,7 @@ interface AsaasGatewayInterface extends
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer;
+    public function customer(CustomerData|array $customer = []): Customer;
 
     /**
      * get resource charge from gateway.
diff --git a/src/Gateways/Asaas/Requests/AsaasCustomerRequest.php b/src/Gateways/Asaas/Requests/AsaasCustomerRequest.php
index ce460ee..483391a 100644
--- a/src/Gateways/Asaas/Requests/AsaasCustomerRequest.php
+++ b/src/Gateways/Asaas/Requests/AsaasCustomerRequest.php
@@ -3,6 +3,7 @@
 namespace PHPay\Asaas\Requests;
 
 use PHPay\Exceptions\ValidationException;
+use PHPay\Support\Customer;
 
 class AsaasCustomerRequest
 {
@@ -38,4 +39,21 @@ public static function messages(): object
             'cpfCnpj' => 'CPF/CNPJ do cliente é obrigatório e deve ser uma string não vazia.',
         ];
     }
+
+    /**
+     * map the library's Customer onto the payload Asaas expects.
+     *
+     * @param Customer $customer
+     * @return array<mixed>
+     */
+    public static function fromCustomer(Customer $customer): array
+    {
+        return array_filter([
+            'name'        => $customer->name,
+            'cpfCnpj'     => $customer->document,
+            'email'       => $customer->email,
+            'mobilePhone' => $customer->phone,
+        ], fn ($value) => $value !== null) + $customer->extra();
+    }
+
 }
diff --git a/src/Gateways/Asaas/Resources/Charge/Charge.php b/src/Gateways/Asaas/Resources/Charge/Charge.php
index 0e42c8f..52cf999 100644
--- a/src/Gateways/Asaas/Resources/Charge/Charge.php
+++ b/src/Gateways/Asaas/Resources/Charge/Charge.php
@@ -3,12 +3,12 @@
 namespace PHPay\Asaas\Resources\Charge;
 
 use GuzzleHttp\Client;
-use PHPay\Asaas\Requests\AsaasChargeRequest;
+use PHPay\Asaas\Requests\{AsaasChargeRequest, AsaasCustomerRequest};
 use PHPay\Asaas\Resources\Charge\Interface\ChargeInterface;
 use PHPay\Asaas\Resources\Customer\Customer;
 use PHPay\Asaas\Traits\HasAsaasClient;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\Support\Money;
+use PHPay\Support\{Customer as CustomerData, Money};
 
 class Charge implements ChargeInterface
 {
@@ -113,8 +113,16 @@ public function setCustomerId(string $customerId): ChargeInterface
      * @return ChargeInterface
      * @throws ValidationException|ApiException
      */
-    public function setCustomer(array $customer): ChargeInterface
+    public function setCustomer(CustomerData|array $customer): ChargeInterface
     {
+        if ($customer instanceof CustomerData) {
+            if ($customer->id !== null) {
+                return $this->setCustomerId($customer->id);
+            }
+
+            $customer = AsaasCustomerRequest::fromCustomer($customer);
+        }
+
         if (isset($customer['id']) && is_string($customer['id']) && $customer['id'] !== '') {
             return $this->setCustomerId($customer['id']);
         }
diff --git a/src/Gateways/Asaas/Resources/Charge/Interface/ChargeInterface.php b/src/Gateways/Asaas/Resources/Charge/Interface/ChargeInterface.php
index d6ebfc5..fefe1ec 100644
--- a/src/Gateways/Asaas/Resources/Charge/Interface/ChargeInterface.php
+++ b/src/Gateways/Asaas/Resources/Charge/Interface/ChargeInterface.php
@@ -2,7 +2,7 @@
 
 namespace PHPay\Asaas\Resources\Charge\Interface;
 
-use PHPay\Support\Money;
+use PHPay\Support\{Customer as CustomerData, Money};
 
 interface ChargeInterface
 {
@@ -67,7 +67,7 @@ public function setCustomerId(string $customerId): ChargeInterface;
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface;
+    public function setCustomer(CustomerData|array $customer): ChargeInterface;
 
     /**
      * set the amount of the charge, in reais
diff --git a/src/Gateways/Asaas/Resources/Subscription/Interface/SubscriptionInterface.php b/src/Gateways/Asaas/Resources/Subscription/Interface/SubscriptionInterface.php
index d53977a..175af7e 100644
--- a/src/Gateways/Asaas/Resources/Subscription/Interface/SubscriptionInterface.php
+++ b/src/Gateways/Asaas/Resources/Subscription/Interface/SubscriptionInterface.php
@@ -2,6 +2,8 @@
 
 namespace PHPay\Asaas\Resources\Subscription\Interface;
 
+use PHPay\Support\Customer as CustomerData;
+
 interface SubscriptionInterface
 {
     /**
@@ -18,7 +20,7 @@ public function setCustomerId(string $customerId): SubscriptionInterface;
      * @param array<mixed> $customer
      * @return SubscriptionInterface
      */
-    public function setCustomer(array $customer): SubscriptionInterface;
+    public function setCustomer(CustomerData|array $customer): SubscriptionInterface;
 
     /**
      * create subscription
diff --git a/src/Gateways/Asaas/Resources/Subscription/Subscription.php b/src/Gateways/Asaas/Resources/Subscription/Subscription.php
index a4b823b..b37741b 100644
--- a/src/Gateways/Asaas/Resources/Subscription/Subscription.php
+++ b/src/Gateways/Asaas/Resources/Subscription/Subscription.php
@@ -3,11 +3,13 @@
 namespace PHPay\Asaas\Resources\Subscription;
 
 use GuzzleHttp\Client;
+use PHPay\Asaas\Requests\AsaasCustomerRequest;
 use PHPay\Asaas\Resources\Customer\Customer;
 use PHPay\Asaas\Resources\Subscription\Interface\SubscriptionInterface;
 use PHPay\Asaas\Resources\Subscription\Requests\StoreSubscriptionAsaasRequest;
 use PHPay\Asaas\Traits\HasAsaasClient;
 use PHPay\Exceptions\{ApiException, ValidationException};
+use PHPay\Support\Customer as CustomerData;
 
 class Subscription implements SubscriptionInterface
 {
@@ -65,8 +67,16 @@ public function setCustomerId(string $customerId): SubscriptionInterface
      * @return SubscriptionInterface
      * @throws ValidationException|ApiException
      */
-    public function setCustomer(array $customer): SubscriptionInterface
+    public function setCustomer(CustomerData|array $customer): SubscriptionInterface
     {
+        if ($customer instanceof CustomerData) {
+            if ($customer->id !== null) {
+                return $this->setCustomerId($customer->id);
+            }
+
+            $customer = AsaasCustomerRequest::fromCustomer($customer);
+        }
+
         if (isset($customer['id']) && is_string($customer['id']) && $customer['id'] !== '') {
             return $this->setCustomerId($customer['id']);
         }
diff --git a/src/Gateways/Cielo/Requests/CieloSaleRequest.php b/src/Gateways/Cielo/Requests/CieloSaleRequest.php
index 11dd9ab..9cf8929 100644
--- a/src/Gateways/Cielo/Requests/CieloSaleRequest.php
+++ b/src/Gateways/Cielo/Requests/CieloSaleRequest.php
@@ -4,6 +4,7 @@
 
 use PHPay\Cielo\Enums\PaymentTypeEnum;
 use PHPay\Exceptions\ValidationException;
+use PHPay\Support\Customer;
 
 class CieloSaleRequest
 {
@@ -71,4 +72,23 @@ public static function messages(): object
             'amount'          => 'O campo Payment.Amount é obrigatório e deve ser um inteiro em CENTAVOS maior que zero. A Cielo não aceita valor decimal: R$ 157,00 é 15700.',
         ];
     }
+
+    /**
+     * map the library's Customer onto the payload Cielo expects.
+     *
+     * Cielo is the only gateway that capitalises the keys.
+     *
+     * @param Customer $customer
+     * @return array<mixed>
+     */
+    public static function fromCustomer(Customer $customer): array
+    {
+        return array_filter([
+            'Name'         => $customer->name,
+            'Email'        => $customer->email,
+            'Identity'     => $customer->document,
+            'IdentityType' => $customer->documentType(),
+        ], fn ($value) => $value !== null) + $customer->extra();
+    }
+
 }
diff --git a/src/Gateways/Cielo/Resources/Charge/Charge.php b/src/Gateways/Cielo/Resources/Charge/Charge.php
index dce5a39..4fb55ba 100644
--- a/src/Gateways/Cielo/Resources/Charge/Charge.php
+++ b/src/Gateways/Cielo/Resources/Charge/Charge.php
@@ -8,7 +8,7 @@
 use PHPay\Cielo\Resources\Charge\Interface\ChargeInterface;
 use PHPay\Cielo\Traits\HasCieloClient;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\Support\Money;
+use PHPay\Support\{Customer, Money};
 
 /**
  * sales of the Cielo E-commerce API 3.0.
@@ -95,8 +95,12 @@ public function setOrderId(string $merchantOrderId): ChargeInterface
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface
+    public function setCustomer(Customer|array $customer): ChargeInterface
     {
+        if ($customer instanceof Customer) {
+            $customer = CieloSaleRequest::fromCustomer($customer);
+        }
+
         $this->sale['Customer'] = $customer;
 
         return $this;
diff --git a/src/Gateways/Cielo/Resources/Charge/Interface/ChargeInterface.php b/src/Gateways/Cielo/Resources/Charge/Interface/ChargeInterface.php
index e0904ad..1705bb7 100644
--- a/src/Gateways/Cielo/Resources/Charge/Interface/ChargeInterface.php
+++ b/src/Gateways/Cielo/Resources/Charge/Interface/ChargeInterface.php
@@ -2,7 +2,7 @@
 
 namespace PHPay\Cielo\Resources\Charge\Interface;
 
-use PHPay\Support\Money;
+use PHPay\Support\{Customer, Money};
 
 interface ChargeInterface
 {
@@ -28,7 +28,7 @@ public function setOrderId(string $merchantOrderId): ChargeInterface;
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface;
+    public function setCustomer(Customer|array $customer): ChargeInterface;
 
     /**
      * pay with Pix
diff --git a/src/Gateways/Cielo/Resources/Subscription/Interface/SubscriptionInterface.php b/src/Gateways/Cielo/Resources/Subscription/Interface/SubscriptionInterface.php
index e13f281..0de6ee4 100644
--- a/src/Gateways/Cielo/Resources/Subscription/Interface/SubscriptionInterface.php
+++ b/src/Gateways/Cielo/Resources/Subscription/Interface/SubscriptionInterface.php
@@ -3,7 +3,7 @@
 namespace PHPay\Cielo\Resources\Subscription\Interface;
 
 use PHPay\Cielo\Enums\RecurrentIntervalEnum;
-use PHPay\Support\Money;
+use PHPay\Support\{Customer, Money};
 
 interface SubscriptionInterface
 {
@@ -21,7 +21,7 @@ public function setOrderId(string $merchantOrderId): SubscriptionInterface;
      * @param array<mixed> $customer
      * @return SubscriptionInterface
      */
-    public function setCustomer(array $customer): SubscriptionInterface;
+    public function setCustomer(Customer|array $customer): SubscriptionInterface;
 
     /**
      * set the credit card the recurrence charges
diff --git a/src/Gateways/Cielo/Resources/Subscription/Subscription.php b/src/Gateways/Cielo/Resources/Subscription/Subscription.php
index a163c6d..884c3c2 100644
--- a/src/Gateways/Cielo/Resources/Subscription/Subscription.php
+++ b/src/Gateways/Cielo/Resources/Subscription/Subscription.php
@@ -4,11 +4,11 @@
 
 use GuzzleHttp\Client;
 use PHPay\Cielo\Enums\{PaymentTypeEnum, RecurrentIntervalEnum};
-use PHPay\Cielo\Requests\CieloRecurrentRequest;
+use PHPay\Cielo\Requests\{CieloRecurrentRequest, CieloSaleRequest};
 use PHPay\Cielo\Resources\Subscription\Interface\SubscriptionInterface;
 use PHPay\Cielo\Traits\HasCieloClient;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\Support\Money;
+use PHPay\Support\{Customer, Money};
 
 /**
  * recurrences of the Cielo E-commerce API 3.0.
@@ -83,8 +83,12 @@ public function setOrderId(string $merchantOrderId): SubscriptionInterface
      * @param array<mixed> $customer
      * @return SubscriptionInterface
      */
-    public function setCustomer(array $customer): SubscriptionInterface
+    public function setCustomer(Customer|array $customer): SubscriptionInterface
     {
+        if ($customer instanceof Customer) {
+            $customer = CieloSaleRequest::fromCustomer($customer);
+        }
+
         $this->sale['Customer'] = $customer;
 
         return $this;
diff --git a/src/Gateways/Efi/Requests/EfiCustomerRequest.php b/src/Gateways/Efi/Requests/EfiCustomerRequest.php
index 190c39a..8e05973 100644
--- a/src/Gateways/Efi/Requests/EfiCustomerRequest.php
+++ b/src/Gateways/Efi/Requests/EfiCustomerRequest.php
@@ -3,6 +3,7 @@
 namespace PHPay\Efi\Requests;
 
 use PHPay\Exceptions\ValidationException;
+use PHPay\Support\Customer;
 
 class EfiCustomerRequest
 {
@@ -43,4 +44,21 @@ public static function messages(): object
             'cpfCnpjLength' => 'CPF/CNPJ deve conter 11 dígitos (CPF) ou 14 dígitos (CNPJ), somente números.',
         ];
     }
+
+    /**
+     * map the library's Customer onto the payload Efí expects.
+     *
+     * @param Customer $customer
+     * @return array<mixed>
+     */
+    public static function fromCustomer(Customer $customer): array
+    {
+        return array_filter([
+            'name'         => $customer->name,
+            'cpf_cnpj'     => $customer->document,
+            'email'        => $customer->email,
+            'phone_number' => $customer->phone,
+        ], fn ($value) => $value !== null) + $customer->extra();
+    }
+
 }
diff --git a/src/Gateways/Efi/Resources/Charge/Charge.php b/src/Gateways/Efi/Resources/Charge/Charge.php
index 64b1cfd..d3c8640 100644
--- a/src/Gateways/Efi/Resources/Charge/Charge.php
+++ b/src/Gateways/Efi/Resources/Charge/Charge.php
@@ -7,7 +7,7 @@
 use PHPay\Efi\Resources\Charge\Interface\ChargeInterface;
 use PHPay\Efi\Traits\HasEfiClient;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\Support\Money;
+use PHPay\Support\{Customer, Money};
 
 class Charge implements ChargeInterface
 {
@@ -74,8 +74,12 @@ public function __construct(
      * @param array<mixed> $customer
      * @return Charge
      */
-    public function setCustomer(array $customer): Charge
+    public function setCustomer(Customer|array $customer): Charge
     {
+        if ($customer instanceof Customer) {
+            $customer = EfiCustomerRequest::fromCustomer($customer);
+        }
+
         $this->customer = $this->bootCustomer($customer);
 
         return $this;
diff --git a/src/Gateways/Efi/Resources/Charge/Interface/ChargeInterface.php b/src/Gateways/Efi/Resources/Charge/Interface/ChargeInterface.php
index 2d4ef23..400d705 100644
--- a/src/Gateways/Efi/Resources/Charge/Interface/ChargeInterface.php
+++ b/src/Gateways/Efi/Resources/Charge/Interface/ChargeInterface.php
@@ -3,7 +3,7 @@
 namespace PHPay\Efi\Resources\Charge\Interface;
 
 use PHPay\Efi\Resources\Charge\Charge;
-use PHPay\Support\Money;
+use PHPay\Support\{Customer, Money};
 
 interface ChargeInterface
 {
@@ -36,7 +36,7 @@ public function find(string $id): array;
      * @param array<mixed> $customer
      * @return Charge
      */
-    public function setCustomer(array $customer): Charge;
+    public function setCustomer(Customer|array $customer): Charge;
 
     /**
      * set query params
diff --git a/src/Gateways/MercadoPago/Interface/MercadoPagoGatewayInterface.php b/src/Gateways/MercadoPago/Interface/MercadoPagoGatewayInterface.php
index 7fdb792..584c96b 100644
--- a/src/Gateways/MercadoPago/Interface/MercadoPagoGatewayInterface.php
+++ b/src/Gateways/MercadoPago/Interface/MercadoPagoGatewayInterface.php
@@ -6,6 +6,7 @@
 use PHPay\MercadoPago\Resources\Charge\Charge;
 use PHPay\MercadoPago\Resources\Customer\Customer;
 use PHPay\MercadoPago\Resources\Subscription\Subscription;
+use PHPay\Support\Customer as CustomerData;
 
 /**
  * the Mercado Pago gateway offers customers, charges and subscriptions.
@@ -28,7 +29,7 @@ interface MercadoPagoGatewayInterface extends
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer;
+    public function customer(CustomerData|array $customer = []): Customer;
 
     /**
      * get resource charge from gateway.
diff --git a/src/Gateways/MercadoPago/MercadoPagoGateway.php b/src/Gateways/MercadoPago/MercadoPagoGateway.php
index fde594a..860a192 100644
--- a/src/Gateways/MercadoPago/MercadoPagoGateway.php
+++ b/src/Gateways/MercadoPago/MercadoPagoGateway.php
@@ -4,9 +4,11 @@
 
 use GuzzleHttp\Client;
 use PHPay\MercadoPago\Interface\MercadoPagoGatewayInterface;
+use PHPay\MercadoPago\Requests\MercadoPagoCustomerRequest;
 use PHPay\MercadoPago\Resources\Charge\Charge;
 use PHPay\MercadoPago\Resources\Customer\Customer;
 use PHPay\MercadoPago\Resources\Subscription\Subscription;
+use PHPay\Support\Customer as CustomerData;
 
 class MercadoPagoGateway implements MercadoPagoGatewayInterface
 {
@@ -57,8 +59,12 @@ public function isSandbox(): bool
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer
+    public function customer(CustomerData|array $customer = []): Customer
     {
+        if ($customer instanceof CustomerData) {
+            $customer = MercadoPagoCustomerRequest::fromCustomer($customer);
+        }
+
         return new Customer($this->accessToken, $customer, $this->client);
     }
 
diff --git a/src/Gateways/MercadoPago/Requests/MercadoPagoCustomerRequest.php b/src/Gateways/MercadoPago/Requests/MercadoPagoCustomerRequest.php
index 4e4ce5b..5ac52f9 100644
--- a/src/Gateways/MercadoPago/Requests/MercadoPagoCustomerRequest.php
+++ b/src/Gateways/MercadoPago/Requests/MercadoPagoCustomerRequest.php
@@ -3,6 +3,7 @@
 namespace PHPay\MercadoPago\Requests;
 
 use PHPay\Exceptions\ValidationException;
+use PHPay\Support\Customer;
 
 class MercadoPagoCustomerRequest
 {
@@ -36,4 +37,32 @@ public static function messages(): object
             'email' => 'O campo email é obrigatório e deve ser um e-mail válido.',
         ];
     }
+
+    /**
+     * map the library's Customer onto the payer Mercado Pago expects.
+     *
+     * Mercado Pago wants the name split in two and the document inside an
+     * identification object.
+     *
+     * @param Customer $customer
+     * @return array<mixed>
+     */
+    public static function fromCustomer(Customer $customer): array
+    {
+        $payload = array_filter([
+            'email'      => $customer->email,
+            'first_name' => $customer->firstName(),
+            'last_name'  => $customer->lastName(),
+        ], fn ($value) => $value !== null);
+
+        if ($customer->documentType() !== null) {
+            $payload['identification'] = [
+                'type'   => $customer->documentType(),
+                'number' => $customer->document,
+            ];
+        }
+
+        return $payload + $customer->extra();
+    }
+
 }
diff --git a/src/Gateways/MercadoPago/Resources/Charge/Charge.php b/src/Gateways/MercadoPago/Resources/Charge/Charge.php
index c316a05..a67f8fb 100644
--- a/src/Gateways/MercadoPago/Resources/Charge/Charge.php
+++ b/src/Gateways/MercadoPago/Resources/Charge/Charge.php
@@ -4,10 +4,10 @@
 
 use GuzzleHttp\Client;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\MercadoPago\Requests\MercadoPagoChargeRequest;
+use PHPay\MercadoPago\Requests\{MercadoPagoChargeRequest, MercadoPagoCustomerRequest};
 use PHPay\MercadoPago\Resources\Charge\Interface\ChargeInterface;
 use PHPay\MercadoPago\Traits\HasMercadoPagoClient;
-use PHPay\Support\Money;
+use PHPay\Support\{Customer as CustomerData, Money};
 
 class Charge implements ChargeInterface
 {
@@ -87,8 +87,12 @@ public function setAmount(Money|int|float $amount): ChargeInterface
      * @param array<mixed> $payer
      * @return ChargeInterface
      */
-    public function setPayer(array $payer): ChargeInterface
+    public function setPayer(CustomerData|array $payer): ChargeInterface
     {
+        if ($payer instanceof CustomerData) {
+            $payer = MercadoPagoCustomerRequest::fromCustomer($payer);
+        }
+
         $this->charge['payer'] = $payer;
 
         return $this;
diff --git a/src/Gateways/MercadoPago/Resources/Charge/Interface/ChargeInterface.php b/src/Gateways/MercadoPago/Resources/Charge/Interface/ChargeInterface.php
index b74915c..556149c 100644
--- a/src/Gateways/MercadoPago/Resources/Charge/Interface/ChargeInterface.php
+++ b/src/Gateways/MercadoPago/Resources/Charge/Interface/ChargeInterface.php
@@ -2,7 +2,7 @@
 
 namespace PHPay\MercadoPago\Resources\Charge\Interface;
 
-use PHPay\Support\Money;
+use PHPay\Support\{Customer as CustomerData, Money};
 
 interface ChargeInterface
 {
@@ -28,7 +28,7 @@ public function setAmount(Money|int|float $amount): ChargeInterface;
      * @param array<mixed> $payer
      * @return ChargeInterface
      */
-    public function setPayer(array $payer): ChargeInterface;
+    public function setPayer(CustomerData|array $payer): ChargeInterface;
 
     /**
      * set the idempotency key used on create
diff --git a/src/Gateways/PagBank/Interface/PagBankGatewayInterface.php b/src/Gateways/PagBank/Interface/PagBankGatewayInterface.php
index e9528fb..c0665bb 100644
--- a/src/Gateways/PagBank/Interface/PagBankGatewayInterface.php
+++ b/src/Gateways/PagBank/Interface/PagBankGatewayInterface.php
@@ -6,6 +6,7 @@
 use PHPay\PagBank\Resources\Charge\Charge;
 use PHPay\PagBank\Resources\Customer\Customer;
 use PHPay\PagBank\Resources\Subscription\Subscription;
+use PHPay\Support\Customer as CustomerData;
 
 /**
  * the PagBank gateway offers charges, subscribers and subscriptions.
@@ -28,7 +29,7 @@ interface PagBankGatewayInterface extends
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer;
+    public function customer(CustomerData|array $customer = []): Customer;
 
     /**
      * get resource charge from gateway.
diff --git a/src/Gateways/PagBank/PagBankGateway.php b/src/Gateways/PagBank/PagBankGateway.php
index 570c26c..bd068a2 100644
--- a/src/Gateways/PagBank/PagBankGateway.php
+++ b/src/Gateways/PagBank/PagBankGateway.php
@@ -4,9 +4,11 @@
 
 use GuzzleHttp\Client;
 use PHPay\PagBank\Interface\PagBankGatewayInterface;
+use PHPay\PagBank\Requests\PagBankCustomerRequest;
 use PHPay\PagBank\Resources\Charge\Charge;
 use PHPay\PagBank\Resources\Customer\Customer;
 use PHPay\PagBank\Resources\Subscription\Subscription;
+use PHPay\Support\Customer as CustomerData;
 
 class PagBankGateway implements PagBankGatewayInterface
 {
@@ -40,8 +42,12 @@ public function name(): string
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer
+    public function customer(CustomerData|array $customer = []): Customer
     {
+        if ($customer instanceof CustomerData) {
+            $customer = PagBankCustomerRequest::fromCustomer($customer);
+        }
+
         return new Customer($this->token, $customer, $this->sandbox, $this->client);
     }
 
diff --git a/src/Gateways/PagBank/Requests/PagBankCustomerRequest.php b/src/Gateways/PagBank/Requests/PagBankCustomerRequest.php
index d4fd7f8..58fc2cc 100644
--- a/src/Gateways/PagBank/Requests/PagBankCustomerRequest.php
+++ b/src/Gateways/PagBank/Requests/PagBankCustomerRequest.php
@@ -3,6 +3,7 @@
 namespace PHPay\PagBank\Requests;
 
 use PHPay\Exceptions\ValidationException;
+use PHPay\Support\Customer;
 
 class PagBankCustomerRequest
 {
@@ -49,4 +50,31 @@ public static function messages(): object
             'taxId' => 'O campo tax_id é obrigatório e deve ter 11 dígitos (CPF) ou 14 (CNPJ), somente números.',
         ];
     }
+
+    /**
+     * map the library's Customer onto the payload PagBank expects.
+     *
+     * PagBank wants the phone split into country, area and number, which is
+     * what Customer::phoneParts() produces.
+     *
+     * @param Customer $customer
+     * @return array<mixed>
+     */
+    public static function fromCustomer(Customer $customer): array
+    {
+        $payload = array_filter([
+            'name'   => $customer->name,
+            'email'  => $customer->email,
+            'tax_id' => $customer->document,
+        ], fn ($value) => $value !== null);
+
+        $telefone = $customer->phoneParts();
+
+        if ($telefone !== null) {
+            $payload['phones'] = [$telefone + ['type' => 'MOBILE']];
+        }
+
+        return $payload + $customer->extra();
+    }
+
 }
diff --git a/src/Gateways/PagBank/Resources/Charge/Charge.php b/src/Gateways/PagBank/Resources/Charge/Charge.php
index ac67039..a6593fe 100644
--- a/src/Gateways/PagBank/Resources/Charge/Charge.php
+++ b/src/Gateways/PagBank/Resources/Charge/Charge.php
@@ -4,10 +4,10 @@
 
 use GuzzleHttp\Client;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\PagBank\Requests\PagBankOrderRequest;
+use PHPay\PagBank\Requests\{PagBankCustomerRequest, PagBankOrderRequest};
 use PHPay\PagBank\Resources\Charge\Interface\ChargeInterface;
 use PHPay\PagBank\Traits\HasPagBankClient;
-use PHPay\Support\Money;
+use PHPay\Support\{Customer, Money};
 
 /**
  * orders and charges of the PagBank Orders API.
@@ -69,8 +69,12 @@ public function setOrder(array $order): ChargeInterface
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface
+    public function setCustomer(Customer|array $customer): ChargeInterface
     {
+        if ($customer instanceof Customer) {
+            $customer = PagBankCustomerRequest::fromCustomer($customer);
+        }
+
         $this->order['customer'] = $customer;
 
         return $this;
diff --git a/src/Gateways/PagBank/Resources/Charge/Interface/ChargeInterface.php b/src/Gateways/PagBank/Resources/Charge/Interface/ChargeInterface.php
index 4ade719..ac8d966 100644
--- a/src/Gateways/PagBank/Resources/Charge/Interface/ChargeInterface.php
+++ b/src/Gateways/PagBank/Resources/Charge/Interface/ChargeInterface.php
@@ -2,7 +2,7 @@
 
 namespace PHPay\PagBank\Resources\Charge\Interface;
 
-use PHPay\Support\Money;
+use PHPay\Support\{Customer, Money};
 
 interface ChargeInterface
 {
@@ -20,7 +20,7 @@ public function setOrder(array $order): ChargeInterface;
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface;
+    public function setCustomer(Customer|array $customer): ChargeInterface;
 
     /**
      * set the items of the order
diff --git a/src/Gateways/PagBank/Resources/Subscription/Interface/SubscriptionInterface.php b/src/Gateways/PagBank/Resources/Subscription/Interface/SubscriptionInterface.php
index 456a011..2cb5ac1 100644
--- a/src/Gateways/PagBank/Resources/Subscription/Interface/SubscriptionInterface.php
+++ b/src/Gateways/PagBank/Resources/Subscription/Interface/SubscriptionInterface.php
@@ -2,6 +2,8 @@
 
 namespace PHPay\PagBank\Resources\Subscription\Interface;
 
+use PHPay\Support\Customer;
+
 interface SubscriptionInterface
 {
     /**
@@ -26,7 +28,7 @@ public function setCustomerId(string $customerId): SubscriptionInterface;
      * @param array<mixed> $customer
      * @return SubscriptionInterface
      */
-    public function setCustomer(array $customer): SubscriptionInterface;
+    public function setCustomer(Customer|array $customer): SubscriptionInterface;
 
     /**
      * set list filter
diff --git a/src/Gateways/PagBank/Resources/Subscription/Subscription.php b/src/Gateways/PagBank/Resources/Subscription/Subscription.php
index d720ca8..3a541f9 100644
--- a/src/Gateways/PagBank/Resources/Subscription/Subscription.php
+++ b/src/Gateways/PagBank/Resources/Subscription/Subscription.php
@@ -4,9 +4,10 @@
 
 use GuzzleHttp\Client;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\PagBank\Requests\PagBankSubscriptionRequest;
+use PHPay\PagBank\Requests\{PagBankCustomerRequest, PagBankSubscriptionRequest};
 use PHPay\PagBank\Resources\Subscription\Interface\SubscriptionInterface;
 use PHPay\PagBank\Traits\HasPagBankClient;
+use PHPay\Support\Customer;
 
 /**
  * plans and subscriptions of the PagBank subscriptions API.
@@ -87,8 +88,16 @@ public function setCustomerId(string $customerId): SubscriptionInterface
      * @param array<mixed> $customer
      * @return SubscriptionInterface
      */
-    public function setCustomer(array $customer): SubscriptionInterface
+    public function setCustomer(Customer|array $customer): SubscriptionInterface
     {
+        if ($customer instanceof Customer) {
+            if ($customer->id !== null) {
+                return $this->setCustomerId($customer->id);
+            }
+
+            $customer = PagBankCustomerRequest::fromCustomer($customer);
+        }
+
         $this->subscription['customer'] = $customer;
 
         return $this;
diff --git a/src/Gateways/PagarMe/Interface/PagarMeGatewayInterface.php b/src/Gateways/PagarMe/Interface/PagarMeGatewayInterface.php
index 59a8613..95d9c3c 100644
--- a/src/Gateways/PagarMe/Interface/PagarMeGatewayInterface.php
+++ b/src/Gateways/PagarMe/Interface/PagarMeGatewayInterface.php
@@ -7,6 +7,7 @@
 use PHPay\PagarMe\Resources\Customer\Customer;
 use PHPay\PagarMe\Resources\Subscription\Subscription;
 use PHPay\PagarMe\Resources\WebhookDelivery\WebhookDelivery;
+use PHPay\Support\Customer as CustomerData;
 
 /**
  * the Pagar.me gateway offers customers, charges and subscriptions.
@@ -29,7 +30,7 @@ interface PagarMeGatewayInterface extends
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer;
+    public function customer(CustomerData|array $customer = []): Customer;
 
     /**
      * get resource charge from gateway.
diff --git a/src/Gateways/PagarMe/PagarMeGateway.php b/src/Gateways/PagarMe/PagarMeGateway.php
index 97f611d..503d8f1 100644
--- a/src/Gateways/PagarMe/PagarMeGateway.php
+++ b/src/Gateways/PagarMe/PagarMeGateway.php
@@ -4,10 +4,12 @@
 
 use GuzzleHttp\Client;
 use PHPay\PagarMe\Interface\PagarMeGatewayInterface;
+use PHPay\PagarMe\Requests\PagarMeCustomerRequest;
 use PHPay\PagarMe\Resources\Charge\Charge;
 use PHPay\PagarMe\Resources\Customer\Customer;
 use PHPay\PagarMe\Resources\Subscription\Subscription;
 use PHPay\PagarMe\Resources\WebhookDelivery\WebhookDelivery;
+use PHPay\Support\Customer as CustomerData;
 
 class PagarMeGateway implements PagarMeGatewayInterface
 {
@@ -57,8 +59,12 @@ public function isSandbox(): bool
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer
+    public function customer(CustomerData|array $customer = []): Customer
     {
+        if ($customer instanceof CustomerData) {
+            $customer = PagarMeCustomerRequest::fromCustomer($customer);
+        }
+
         return new Customer($this->secretKey, $customer, $this->client);
     }
 
diff --git a/src/Gateways/PagarMe/Requests/PagarMeCustomerRequest.php b/src/Gateways/PagarMe/Requests/PagarMeCustomerRequest.php
index abbfe22..283f719 100644
--- a/src/Gateways/PagarMe/Requests/PagarMeCustomerRequest.php
+++ b/src/Gateways/PagarMe/Requests/PagarMeCustomerRequest.php
@@ -4,6 +4,7 @@
 
 use PHPay\Exceptions\ValidationException;
 use PHPay\PagarMe\Enums\CustomerTypeEnum;
+use PHPay\Support\Customer;
 
 class PagarMeCustomerRequest
 {
@@ -58,4 +59,28 @@ public static function messages(): object
             'type'     => 'O campo type aceita apenas: individual, company.',
         ];
     }
+
+    /**
+     * map the library's Customer onto the payload Pagar.me expects.
+     *
+     * Pagar.me needs `type`, which Customer derives from the document length.
+     *
+     * @param Customer $customer
+     * @return array<mixed>
+     */
+    public static function fromCustomer(Customer $customer): array
+    {
+        $payload = array_filter([
+            'name'     => $customer->name,
+            'email'    => $customer->email,
+            'document' => $customer->document,
+        ], fn ($value) => $value !== null);
+
+        if ($customer->documentType() !== null) {
+            $payload['type'] = $customer->isCompany() ? 'company' : 'individual';
+        }
+
+        return $payload + $customer->extra();
+    }
+
 }
diff --git a/src/Gateways/PagarMe/Resources/Charge/Charge.php b/src/Gateways/PagarMe/Resources/Charge/Charge.php
index 2682cb9..3b247a2 100644
--- a/src/Gateways/PagarMe/Resources/Charge/Charge.php
+++ b/src/Gateways/PagarMe/Resources/Charge/Charge.php
@@ -5,10 +5,10 @@
 use GuzzleHttp\Client;
 use PHPay\Exceptions\{ApiException, ValidationException};
 use PHPay\PagarMe\Enums\PaymentMethodEnum;
-use PHPay\PagarMe\Requests\PagarMeOrderRequest;
+use PHPay\PagarMe\Requests\{PagarMeCustomerRequest, PagarMeOrderRequest};
 use PHPay\PagarMe\Resources\Charge\Interface\ChargeInterface;
 use PHPay\PagarMe\Traits\HasPagarMeClient;
-use PHPay\Support\Money;
+use PHPay\Support\{Customer as CustomerData, Money};
 
 /**
  * orders and charges of the Pagar.me Core API v5.
@@ -87,8 +87,16 @@ public function setCustomerId(string $customerId): ChargeInterface
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface
+    public function setCustomer(CustomerData|array $customer): ChargeInterface
     {
+        if ($customer instanceof CustomerData) {
+            if ($customer->id !== null) {
+                return $this->setCustomerId($customer->id);
+            }
+
+            $customer = PagarMeCustomerRequest::fromCustomer($customer);
+        }
+
         if (isset($customer['id']) && is_string($customer['id']) && $customer['id'] !== '') {
             return $this->setCustomerId($customer['id']);
         }
diff --git a/src/Gateways/PagarMe/Resources/Charge/Interface/ChargeInterface.php b/src/Gateways/PagarMe/Resources/Charge/Interface/ChargeInterface.php
index 45b3898..a259e30 100644
--- a/src/Gateways/PagarMe/Resources/Charge/Interface/ChargeInterface.php
+++ b/src/Gateways/PagarMe/Resources/Charge/Interface/ChargeInterface.php
@@ -2,7 +2,7 @@
 
 namespace PHPay\PagarMe\Resources\Charge\Interface;
 
-use PHPay\Support\Money;
+use PHPay\Support\{Customer as CustomerData, Money};
 
 interface ChargeInterface
 {
@@ -28,7 +28,7 @@ public function setCustomerId(string $customerId): ChargeInterface;
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface;
+    public function setCustomer(CustomerData|array $customer): ChargeInterface;
 
     /**
      * set the items of the order
diff --git a/src/Gateways/PagarMe/Resources/Subscription/Interface/SubscriptionInterface.php b/src/Gateways/PagarMe/Resources/Subscription/Interface/SubscriptionInterface.php
index a9f779e..309d680 100644
--- a/src/Gateways/PagarMe/Resources/Subscription/Interface/SubscriptionInterface.php
+++ b/src/Gateways/PagarMe/Resources/Subscription/Interface/SubscriptionInterface.php
@@ -2,6 +2,8 @@
 
 namespace PHPay\PagarMe\Resources\Subscription\Interface;
 
+use PHPay\Support\Customer as CustomerData;
+
 interface SubscriptionInterface
 {
     /**
@@ -26,7 +28,7 @@ public function setCustomerId(string $customerId): SubscriptionInterface;
      * @param array<mixed> $customer
      * @return SubscriptionInterface
      */
-    public function setCustomer(array $customer): SubscriptionInterface;
+    public function setCustomer(CustomerData|array $customer): SubscriptionInterface;
 
     /**
      * set list filter
diff --git a/src/Gateways/PagarMe/Resources/Subscription/Subscription.php b/src/Gateways/PagarMe/Resources/Subscription/Subscription.php
index cfd8efa..88c991b 100644
--- a/src/Gateways/PagarMe/Resources/Subscription/Subscription.php
+++ b/src/Gateways/PagarMe/Resources/Subscription/Subscription.php
@@ -4,9 +4,10 @@
 
 use GuzzleHttp\Client;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\PagarMe\Requests\PagarMeSubscriptionRequest;
+use PHPay\PagarMe\Requests\{PagarMeCustomerRequest, PagarMeSubscriptionRequest};
 use PHPay\PagarMe\Resources\Subscription\Interface\SubscriptionInterface;
 use PHPay\PagarMe\Traits\HasPagarMeClient;
+use PHPay\Support\Customer as CustomerData;
 
 /**
  * plans and subscriptions of the Pagar.me Core API v5.
@@ -83,8 +84,16 @@ public function setCustomerId(string $customerId): SubscriptionInterface
      * @param array<mixed> $customer
      * @return SubscriptionInterface
      */
-    public function setCustomer(array $customer): SubscriptionInterface
+    public function setCustomer(CustomerData|array $customer): SubscriptionInterface
     {
+        if ($customer instanceof CustomerData) {
+            if ($customer->id !== null) {
+                return $this->setCustomerId($customer->id);
+            }
+
+            $customer = PagarMeCustomerRequest::fromCustomer($customer);
+        }
+
         if (isset($customer['id']) && is_string($customer['id']) && $customer['id'] !== '') {
             return $this->setCustomerId($customer['id']);
         }
diff --git a/src/Gateways/Woovi/Interface/WooviGatewayInterface.php b/src/Gateways/Woovi/Interface/WooviGatewayInterface.php
index 21ea4db..46096a5 100644
--- a/src/Gateways/Woovi/Interface/WooviGatewayInterface.php
+++ b/src/Gateways/Woovi/Interface/WooviGatewayInterface.php
@@ -3,6 +3,7 @@
 namespace PHPay\Woovi\Interface;
 
 use PHPay\Contracts\{SupportsCharges, SupportsCustomers, SupportsPixKeys, SupportsSubscriptions, SupportsWebhooks};
+use PHPay\Support\Customer as CustomerData;
 use PHPay\Woovi\Resources\Charge\Charge;
 use PHPay\Woovi\Resources\Customer\Customer;
 use PHPay\Woovi\Resources\Pix\Pix;
@@ -29,7 +30,7 @@ interface WooviGatewayInterface extends
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer;
+    public function customer(CustomerData|array $customer = []): Customer;
 
     /**
      * get resource charge from gateway.
diff --git a/src/Gateways/Woovi/Requests/WooviCustomerRequest.php b/src/Gateways/Woovi/Requests/WooviCustomerRequest.php
index de617f6..00d0216 100644
--- a/src/Gateways/Woovi/Requests/WooviCustomerRequest.php
+++ b/src/Gateways/Woovi/Requests/WooviCustomerRequest.php
@@ -3,6 +3,7 @@
 namespace PHPay\Woovi\Requests;
 
 use PHPay\Exceptions\ValidationException;
+use PHPay\Support\Customer;
 
 class WooviCustomerRequest
 {
@@ -54,4 +55,21 @@ public static function messages(): object
             'identificador' => 'O cliente precisa de ao menos um identificador: email, taxID ou phone.',
         ];
     }
+
+    /**
+     * map the library's Customer onto the payload Woovi expects.
+     *
+     * @param Customer $customer
+     * @return array<mixed>
+     */
+    public static function fromCustomer(Customer $customer): array
+    {
+        return array_filter([
+            'name'  => $customer->name,
+            'email' => $customer->email,
+            'taxID' => $customer->document,
+            'phone' => $customer->phone,
+        ], fn ($value) => $value !== null) + $customer->extra();
+    }
+
 }
diff --git a/src/Gateways/Woovi/Resources/Charge/Charge.php b/src/Gateways/Woovi/Resources/Charge/Charge.php
index 5644851..202c011 100644
--- a/src/Gateways/Woovi/Resources/Charge/Charge.php
+++ b/src/Gateways/Woovi/Resources/Charge/Charge.php
@@ -4,8 +4,8 @@
 
 use GuzzleHttp\Client;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\Support\Money;
-use PHPay\Woovi\Requests\WooviChargeRequest;
+use PHPay\Support\{Customer as CustomerData, Money};
+use PHPay\Woovi\Requests\{WooviChargeRequest, WooviCustomerRequest};
 use PHPay\Woovi\Resources\Charge\Interface\ChargeInterface;
 use PHPay\Woovi\Traits\HasWooviClient;
 
@@ -88,8 +88,12 @@ public function setCorrelationId(string $correlationId): ChargeInterface
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface
+    public function setCustomer(CustomerData|array $customer): ChargeInterface
     {
+        if ($customer instanceof CustomerData) {
+            $customer = WooviCustomerRequest::fromCustomer($customer);
+        }
+
         $this->charge['customer'] = $customer;
 
         return $this;
diff --git a/src/Gateways/Woovi/Resources/Charge/Interface/ChargeInterface.php b/src/Gateways/Woovi/Resources/Charge/Interface/ChargeInterface.php
index 7dd67e0..194227c 100644
--- a/src/Gateways/Woovi/Resources/Charge/Interface/ChargeInterface.php
+++ b/src/Gateways/Woovi/Resources/Charge/Interface/ChargeInterface.php
@@ -2,7 +2,7 @@
 
 namespace PHPay\Woovi\Resources\Charge\Interface;
 
-use PHPay\Support\Money;
+use PHPay\Support\{Customer as CustomerData, Money};
 
 interface ChargeInterface
 {
@@ -28,7 +28,7 @@ public function setCorrelationId(string $correlationId): ChargeInterface;
      * @param array<mixed> $customer
      * @return ChargeInterface
      */
-    public function setCustomer(array $customer): ChargeInterface;
+    public function setCustomer(CustomerData|array $customer): ChargeInterface;
 
     /**
      * set list query params
diff --git a/src/Gateways/Woovi/Resources/Subscription/Interface/SubscriptionInterface.php b/src/Gateways/Woovi/Resources/Subscription/Interface/SubscriptionInterface.php
index 754ba70..218e268 100644
--- a/src/Gateways/Woovi/Resources/Subscription/Interface/SubscriptionInterface.php
+++ b/src/Gateways/Woovi/Resources/Subscription/Interface/SubscriptionInterface.php
@@ -2,7 +2,7 @@
 
 namespace PHPay\Woovi\Resources\Subscription\Interface;
 
-use PHPay\Support\Money;
+use PHPay\Support\{Customer as CustomerData, Money};
 
 interface SubscriptionInterface
 {
@@ -12,7 +12,7 @@ interface SubscriptionInterface
      * @param array<mixed> $customer
      * @return SubscriptionInterface
      */
-    public function setCustomer(array $customer): SubscriptionInterface;
+    public function setCustomer(CustomerData|array $customer): SubscriptionInterface;
 
     /**
      * set the day of the month the charge is generated
diff --git a/src/Gateways/Woovi/Resources/Subscription/Subscription.php b/src/Gateways/Woovi/Resources/Subscription/Subscription.php
index 89cb47d..f60be96 100644
--- a/src/Gateways/Woovi/Resources/Subscription/Subscription.php
+++ b/src/Gateways/Woovi/Resources/Subscription/Subscription.php
@@ -4,8 +4,8 @@
 
 use GuzzleHttp\Client;
 use PHPay\Exceptions\{ApiException, ValidationException};
-use PHPay\Support\Money;
-use PHPay\Woovi\Requests\WooviSubscriptionRequest;
+use PHPay\Support\{Customer as CustomerData, Money};
+use PHPay\Woovi\Requests\{WooviCustomerRequest, WooviSubscriptionRequest};
 use PHPay\Woovi\Resources\Subscription\Interface\SubscriptionInterface;
 use PHPay\Woovi\Traits\HasWooviClient;
 
@@ -51,8 +51,12 @@ public function __construct(
      * @param array<mixed> $customer
      * @return SubscriptionInterface
      */
-    public function setCustomer(array $customer): SubscriptionInterface
+    public function setCustomer(CustomerData|array $customer): SubscriptionInterface
     {
+        if ($customer instanceof CustomerData) {
+            $customer = WooviCustomerRequest::fromCustomer($customer);
+        }
+
         $this->subscription['customer'] = $customer;
 
         return $this;
diff --git a/src/Gateways/Woovi/WooviGateway.php b/src/Gateways/Woovi/WooviGateway.php
index 43d6769..85671b7 100644
--- a/src/Gateways/Woovi/WooviGateway.php
+++ b/src/Gateways/Woovi/WooviGateway.php
@@ -3,7 +3,9 @@
 namespace PHPay\Woovi;
 
 use GuzzleHttp\Client;
+use PHPay\Support\Customer as CustomerData;
 use PHPay\Woovi\Interface\WooviGatewayInterface;
+use PHPay\Woovi\Requests\WooviCustomerRequest;
 use PHPay\Woovi\Resources\Charge\Charge;
 use PHPay\Woovi\Resources\Customer\Customer;
 use PHPay\Woovi\Resources\Pix\Pix;
@@ -42,8 +44,12 @@ public function name(): string
      * @param array<mixed> $customer
      * @return Customer
      */
-    public function customer(array $customer = []): Customer
+    public function customer(CustomerData|array $customer = []): Customer
     {
+        if ($customer instanceof CustomerData) {
+            $customer = WooviCustomerRequest::fromCustomer($customer);
+        }
+
         return new Customer($this->appId, $customer, $this->sandbox, $this->client);
     }
 
diff --git a/src/PHPay.php b/src/PHPay.php
index 998c322..3ae2e73 100644
--- a/src/PHPay.php
+++ b/src/PHPay.php
@@ -4,6 +4,7 @@
 
 use PHPay\Contracts\{Capability, GatewayInterface, SupportsCharges, SupportsCustomers, SupportsPixKeys, SupportsSubscriptions, SupportsWebhooks};
 use PHPay\Exceptions\NotImplementedException;
+use PHPay\Support\Customer as CustomerData;
 
 /**
  * entry point of the library.
@@ -78,7 +79,7 @@ public function capabilities(): array
      * @return object
      * @throws NotImplementedException
      */
-    public function customer(array $customer = []): object
+    public function customer(CustomerData|array $customer = []): object
     {
         $gateway = $this->gateway;
 
diff --git a/src/Support/Customer.php b/src/Support/Customer.php
new file mode 100644
index 0000000..b149704
--- /dev/null
+++ b/src/Support/Customer.php
@@ -0,0 +1,249 @@
+<?php
+
+namespace PHPay\Support;
+
+use PHPay\Exceptions\ValidationException;
+
+/**
+ * a customer, in one shape.
+ *
+ * the same field is spelled five different ways across the gateways this
+ * library supports — `cpfCnpj`, `tax_id`, `document`, `taxId`, `taxID`,
+ * `cpf_cnpj` — so code written for one gateway does not move to another, and
+ * nothing in the type system warns about it.
+ *
+ * This type is the one shape. Each gateway maps it to its own payload, and
+ * `extra` carries whatever is specific to a gateway and has no home here.
+ */
+final class Customer
+{
+    /**
+     * @var array<mixed> fields specific to one gateway, merged into its payload
+     */
+    private array $extra;
+
+    /**
+     * construct
+     *
+     * @param string $name
+     * @param string|null $document CPF or CNPJ; punctuation is stripped
+     * @param string|null $email
+     * @param string|null $phone with area code; punctuation is stripped
+     * @param string|null $id the customer id at the gateway, when it already exists
+     * @param array<mixed> $extra
+     * @throws ValidationException
+     */
+    public function __construct(
+        public readonly string $name,
+        public readonly ?string $document = null,
+        public readonly ?string $email = null,
+        public readonly ?string $phone = null,
+        public readonly ?string $id = null,
+        array $extra = [],
+    ) {
+        if (trim($name) === '') {
+            throw ValidationException::make('PHPay', self::messages()->name);
+        }
+
+        if ($document !== null && !in_array(strlen($document), [11, 14], true)) {
+            throw ValidationException::make('PHPay', self::messages()->document);
+        }
+
+        if ($email !== null && filter_var($email, FILTER_VALIDATE_EMAIL) === false) {
+            throw ValidationException::make('PHPay', self::messages()->email);
+        }
+
+        $this->extra = $extra;
+    }
+
+    /**
+     * build a Customer, stripping punctuation from document and phone.
+     *
+     * use this when the values come from a form: `'123.456.789-01'` and
+     * `'(11) 94002-8922'` become digits.
+     *
+     * @param string $name
+     * @param string|null $document
+     * @param string|null $email
+     * @param string|null $phone
+     * @param string|null $id
+     * @param array<mixed> $extra
+     * @return self
+     * @throws ValidationException
+     */
+    public static function make(
+        string $name,
+        ?string $document = null,
+        ?string $email = null,
+        ?string $phone = null,
+        ?string $id = null,
+        array $extra = [],
+    ): self {
+        return new self(
+            $name,
+            $document === null ? null : self::onlyDigits($document),
+            $email,
+            $phone === null ? null : self::onlyDigits($phone),
+            $id,
+            $extra
+        );
+    }
+
+    /**
+     * whether the document is a CPF.
+     *
+     * @return bool
+     */
+    public function isIndividual(): bool
+    {
+        return $this->document !== null && strlen($this->document) === 11;
+    }
+
+    /**
+     * whether the document is a CNPJ.
+     *
+     * @return bool
+     */
+    public function isCompany(): bool
+    {
+        return $this->document !== null && strlen($this->document) === 14;
+    }
+
+    /**
+     * 'CPF', 'CNPJ', or null when there is no document.
+     *
+     * @return string|null
+     */
+    public function documentType(): ?string
+    {
+        if ($this->isIndividual()) {
+            return 'CPF';
+        }
+
+        return $this->isCompany() ? 'CNPJ' : null;
+    }
+
+    /**
+     * the first word of the name — Mercado Pago wants it apart.
+     *
+     * @return string
+     */
+    public function firstName(): string
+    {
+        $partes = preg_split('/\s+/', trim($this->name)) ?: [$this->name];
+
+        return $partes[0];
+    }
+
+    /**
+     * everything after the first word, or null for a single-word name.
+     *
+     * @return string|null
+     */
+    public function lastName(): ?string
+    {
+        $partes = preg_split('/\s+/', trim($this->name)) ?: [];
+
+        if (count($partes) < 2) {
+            return null;
+        }
+
+        return implode(' ', array_slice($partes, 1));
+    }
+
+    /**
+     * the phone split the way PagBank wants it.
+     *
+     * assumes a Brazilian number: the last 8 or 9 digits are the number, the
+     * two before them the area code, and the country is 55 unless the number
+     * already carries it.
+     *
+     * @return array{country: string, area: string, number: string}|null
+     */
+    public function phoneParts(): ?array
+    {
+        if ($this->phone === null) {
+            return null;
+        }
+
+        $digitos = self::onlyDigits($this->phone);
+
+        if (strlen($digitos) > 11 && str_starts_with($digitos, '55')) {
+            $digitos = substr($digitos, 2);
+        }
+
+        if (strlen($digitos) < 10) {
+            return null;
+        }
+
+        return [
+            'country' => '55',
+            'area'    => substr($digitos, 0, 2),
+            'number'  => substr($digitos, 2),
+        ];
+    }
+
+    /**
+     * fields specific to one gateway.
+     *
+     * @return array<mixed>
+     */
+    public function extra(): array
+    {
+        return $this->extra;
+    }
+
+    /**
+     * a copy carrying extra fields for one gateway.
+     *
+     * @param array<mixed> $extra
+     * @return self
+     */
+    public function withExtra(array $extra): self
+    {
+        return new self(
+            $this->name,
+            $this->document,
+            $this->email,
+            $this->phone,
+            $this->id,
+            array_merge($this->extra, $extra)
+        );
+    }
+
+    /**
+     * a copy pointing at an existing customer at the gateway.
+     *
+     * @param string $id
+     * @return self
+     */
+    public function withId(string $id): self
+    {
+        return new self($this->name, $this->document, $this->email, $this->phone, $id, $this->extra);
+    }
+
+    /**
+     * messages for validation
+     *
+     * @return object{name: string, document: string, email: string}
+     */
+    public static function messages(): object
+    {
+        return (object) [
+            'name'     => 'O nome do cliente é obrigatório e não pode ser vazio.',
+            'document' => 'O documento deve ter 11 dígitos (CPF) ou 14 (CNPJ), somente números. Use Customer::make() para limpar a pontuação automaticamente.',
+            'email'    => 'O e-mail do cliente, quando informado, deve ser válido.',
+        ];
+    }
+
+    /**
+     * strip everything that is not a digit.
+     *
+     * @param string $value
+     * @return string
+     */
+    private static function onlyDigits(string $value): string
+    {
+        return preg_replace('/\D/', '', $value) ?? '';
+    }
+}
diff --git a/tests/Unit/Support/CustomerAcrossGatewaysTest.php b/tests/Unit/Support/CustomerAcrossGatewaysTest.php
new file mode 100644
index 0000000..989315b
--- /dev/null
+++ b/tests/Unit/Support/CustomerAcrossGatewaysTest.php
@@ -0,0 +1,102 @@
+<?php
+
+use PHPay\AbacatePay\Requests\AbacatePayCustomerRequest;
+use PHPay\Asaas\Requests\AsaasCustomerRequest;
+use PHPay\Cielo\Requests\CieloSaleRequest;
+use PHPay\Efi\Requests\EfiCustomerRequest;
+use PHPay\MercadoPago\Requests\MercadoPagoCustomerRequest;
+use PHPay\PagarMe\Requests\PagarMeCustomerRequest;
+use PHPay\PagBank\Requests\PagBankCustomerRequest;
+use PHPay\Support\Customer;
+use PHPay\Woovi\Requests\WooviCustomerRequest;
+
+/*
+| O ponto do value object: o MESMO cliente, escrito uma vez, vira o formato de
+| cada gateway. Sem ele, quem sai do Asaas para o Pagar.me reescreve cpfCnpj
+| como document, e nada no tipo avisa.
+*/
+
+function clienteExemplo(): Customer
+{
+    return Customer::make(
+        name: 'Mário Lucas',
+        document: '123.456.789-01',
+        email: 'fale@phpay.io',
+        phone: '(11) 94002-8922',
+    );
+}
+
+it('mapeia o mesmo cliente para as oito grafias de documento', function () {
+    $cliente = clienteExemplo();
+
+    expect(AsaasCustomerRequest::fromCustomer($cliente)['cpfCnpj'])->toBe('12345678901')
+        ->and(PagBankCustomerRequest::fromCustomer($cliente)['tax_id'])->toBe('12345678901')
+        ->and(PagarMeCustomerRequest::fromCustomer($cliente)['document'])->toBe('12345678901')
+        ->and(AbacatePayCustomerRequest::fromCustomer($cliente)['taxId'])->toBe('12345678901')
+        ->and(WooviCustomerRequest::fromCustomer($cliente)['taxID'])->toBe('12345678901')
+        ->and(EfiCustomerRequest::fromCustomer($cliente)['cpf_cnpj'])->toBe('12345678901')
+        ->and(CieloSaleRequest::fromCustomer($cliente)['Identity'])->toBe('12345678901')
+        ->and(MercadoPagoCustomerRequest::fromCustomer($cliente)['identification']['number'])
+        ->toBe('12345678901');
+})->group('support');
+
+it('respeita a forma que cada gateway espera, não só o nome do campo', function () {
+    $cliente = clienteExemplo();
+
+    /* o pagbank quer o telefone quebrado */
+    expect(PagBankCustomerRequest::fromCustomer($cliente)['phones'][0])
+        ->toBe(['country' => '55', 'area' => '11', 'number' => '940028922', 'type' => 'MOBILE']);
+
+    /* o pagar.me quer o tipo derivado do documento */
+    expect(PagarMeCustomerRequest::fromCustomer($cliente)['type'])->toBe('individual');
+
+    /* o mercado pago quer o nome separado */
+    expect(MercadoPagoCustomerRequest::fromCustomer($cliente))
+        ->toMatchArray(['first_name' => 'Mário', 'last_name' => 'Lucas']);
+
+    /* a cielo é a única que usa maiúscula */
+    expect(CieloSaleRequest::fromCustomer($cliente))
+        ->toMatchArray(['Name' => 'Mário Lucas', 'IdentityType' => 'CPF']);
+
+    /* abacate chama o telefone de cellphone; woovi, de phone */
+    expect(AbacatePayCustomerRequest::fromCustomer($cliente)['cellphone'])->toBe('11940028922')
+        ->and(WooviCustomerRequest::fromCustomer($cliente)['phone'])->toBe('11940028922');
+})->group('support');
+
+it('deriva company do CNPJ', function () {
+    $empresa = Customer::make('Sixtec LTDA', '12.345.678/0001-99');
+
+    expect(PagarMeCustomerRequest::fromCustomer($empresa)['type'])->toBe('company')
+        ->and(CieloSaleRequest::fromCustomer($empresa)['IdentityType'])->toBe('CNPJ');
+})->group('support');
+
+it('omite o que não foi informado em vez de mandar null', function () {
+    $minimo = new Customer('Mário Lucas');
+
+    expect(AsaasCustomerRequest::fromCustomer($minimo))->toBe(['name' => 'Mário Lucas'])
+        ->and(PagBankCustomerRequest::fromCustomer($minimo))->not->toHaveKey('phones');
+})->group('support');
+
+it('carrega campos específicos de um gateway pelo escape hatch', function () {
+    $cliente = clienteExemplo()->withExtra(['externalReference' => 'cliente-42']);
+
+    expect(AsaasCustomerRequest::fromCustomer($cliente))
+        ->toHaveKey('externalReference')
+        ->and(AsaasCustomerRequest::fromCustomer($cliente)['externalReference'])->toBe('cliente-42');
+})->group('support');
+
+it('funciona de ponta a ponta na cobrança', function () {
+    $history = [];
+
+    (new PHPay\PagBank\Resources\Charge\Charge('token', true, mockClient([jsonResponse([])], $history)))
+        ->setCustomer(clienteExemplo())
+        ->addItem('Item', PHPay\Support\Money::reais(100.50))
+        ->setQrCode(PHPay\Support\Money::reais(100.50))
+        ->create();
+
+    $enviado = recordedBody($history)['customer'];
+
+    expect($enviado['tax_id'])->toBe('12345678901')
+        ->and($enviado['name'])->toBe('Mário Lucas')
+        ->and($enviado['phones'][0]['area'])->toBe('11');
+})->group('support');
diff --git a/tests/Unit/Support/CustomerTest.php b/tests/Unit/Support/CustomerTest.php
new file mode 100644
index 0000000..35b4797
--- /dev/null
+++ b/tests/Unit/Support/CustomerTest.php
@@ -0,0 +1,69 @@
+<?php
+
+use PHPay\Exceptions\ValidationException;
+use PHPay\Support\Customer;
+
+it('distingue CPF de CNPJ pelo tamanho', function () {
+    $pessoa  = new Customer('Mário Lucas', '12345678901');
+    $empresa = new Customer('Sixtec LTDA', '12345678000199');
+    $semDoc  = new Customer('Anônimo');
+
+    expect($pessoa->isIndividual())->toBeTrue()
+        ->and($pessoa->documentType())->toBe('CPF')
+        ->and($empresa->isCompany())->toBeTrue()
+        ->and($empresa->documentType())->toBe('CNPJ')
+        ->and($semDoc->documentType())->toBeNull()
+        ->and($semDoc->isIndividual())->toBeFalse();
+})->group('support');
+
+it('limpa pontuação de documento e telefone com make()', function () {
+    $cliente = Customer::make(
+        name: 'Mário Lucas',
+        document: '123.456.789-01',
+        phone: '(11) 94002-8922',
+    );
+
+    expect($cliente->document)->toBe('12345678901')
+        ->and($cliente->phone)->toBe('11940028922');
+})->group('support');
+
+it('separa o nome como o mercado pago quer', function () {
+    expect((new Customer('Mário Lucas da Silva'))->firstName())->toBe('Mário')
+        ->and((new Customer('Mário Lucas da Silva'))->lastName())->toBe('Lucas da Silva')
+        ->and((new Customer('Prince'))->lastName())->toBeNull();
+})->group('support');
+
+it('quebra o telefone como o pagbank quer', function () {
+    expect((new Customer('Mário', phone: '11940028922'))->phoneParts())
+        ->toBe(['country' => '55', 'area' => '11', 'number' => '940028922']);
+
+    /* aceita o número já com o código do país */
+    expect((new Customer('Mário', phone: '5511940028922'))->phoneParts())
+        ->toBe(['country' => '55', 'area' => '11', 'number' => '940028922']);
+
+    expect((new Customer('Mário'))->phoneParts())->toBeNull()
+        ->and((new Customer('Mário', phone: '123'))->phoneParts())->toBeNull();
+})->group('support');
+
+it('recusa documento com tamanho inválido', function () {
+    expect(fn () => new Customer('Mário', '123'))
+        ->toThrow(ValidationException::class, '11 dígitos');
+})->group('support');
+
+it('recusa nome vazio e e-mail inválido', function () {
+    expect(fn () => new Customer('   '))->toThrow(ValidationException::class, 'nome do cliente');
+    expect(fn () => new Customer('Mário', email: 'nao-e-email'))
+        ->toThrow(ValidationException::class, 'e-mail');
+})->group('support');
+
+it('é imutável: withExtra e withId devolvem cópias', function () {
+    $original = new Customer('Mário Lucas', '12345678901');
+    $comId    = $original->withId('cus_1');
+    $comExtra = $original->withExtra(['observacao' => 'vip']);
+
+    expect($original->id)->toBeNull()
+        ->and($comId->id)->toBe('cus_1')
+        ->and($original->extra())->toBe([])
+        ->and($comExtra->extra())->toBe(['observacao' => 'vip'])
+        ->and($comExtra->name)->toBe('Mário Lucas');
+})->group('support');