PicPay
PicPay · São Paulo, Brazil · founded 2012
What it is
PicPay is a financial ecosystem offering accounts, payments, credit, investments, insurance, and cards to individuals and businesses. It is available on Android, iOS, and the web, and transfers are instant, trackable, and schedulable. Consumer account features include scheduled Pix, Pix by WhatsApp, and contactless Pix using Google Pay. Users can split Pix and boleto payments into up to 12 installments on any card, or up to 36 installments with PicPay Parcela. Its debit and credit card is managed in the app and advertised without an annual fee. The consumer account page says balances earn 102% of CDI on business days and offers Cofrinhos for savings goals. For businesses, PicPay Empresas offers a card reader, payment links, PicPay Tap, and boleto payment options; PicPay Smart combines order management, inventory control, and payment acceptance. The service lists free individual and business account plans. PicPay was founded in 2012 and is headquartered in São Paulo, Brazil. Business machine rental fees may apply if monthly card transaction volume is below R$5,000 per contracted device.
For and against
For
- Instant transfers can be tracked and scheduled.
- Offers scheduled Pix and Pix by WhatsApp.
- Card combines debit and credit; no annual fee advertised.
- Individual and business account plans are free.
Against
- Exchange rates use a markup.
- Machine rental may be R$49.90 monthly below the volume threshold.
- Card is subject to request.
The verdict
PicPay brings consumer account features and business payment tools into one financial ecosystem. Note the exchange-rate markup and the stated conditions for avoiding business machine rental fees.
Who it suits
PicPay may suit individuals seeking an account and payment features, or businesses looking for payment acceptance tools. It is available on Android, iOS, and the web.
Plans and prices
PicPay Conta Digital
Digital account · 102% of CDI on business days · Pix and bill payments · card subject to request
Read 7 Oct 2026 · picpay.com
PicPay Empresas account
Digital business account · Pix transfers and receipts without fees in specified modes
Read 7 Oct 2026 · picpay.com
On the record
- Business audience
- PicPay Empresas presents its account and sales services for companies and says it can promote a business to up to 70 million PicPay customers.picpay.com · read 7 Oct 2026
- Business limits
- PicPay says retaining zero machine rental fees may depend on meeting a monthly card transaction volume of at least R$5,000 per contracted device; otherwise it states a monthly rental charge of R$49.90.picpay.com · read 7 Oct 2026
- Business payments
- PicPay Empresas offers a card reader, payment links, PicPay Tap and boleto payment options for businesses.picpay.com · read 7 Oct 2026
- Business sales tools
- PicPay Smart combines order management, inventory control and payment acceptance in one device.picpay.com · read 7 Oct 2026
- Card
- PicPay describes its card as debit and credit, managed in the PicPay app, and advertises it without an annual fee.picpay.com · read 7 Oct 2026
- Company history
- PicPay says it was founded in Vitória, Espírito Santo, and its official code of conduct states it was founded in 2012.picpay.com · read 7 Oct 2026
- Exchange-rate model
- markupapps.apple.com · read 20 Sep 2026
- Installments
- The account page says users can split Pix and boleto payments into up to 12 installments on any card, or up to 36 installments with PicPay Parcela.picpay.com · read 7 Oct 2026
- Mobile platforms
- bothapps.apple.com · read 20 Sep 2026
- Pix features
- The consumer account page lists scheduled Pix, Pix by WhatsApp and contactless Pix using Google Pay.picpay.com · read 7 Oct 2026
- Savings
- The consumer account page says balances earn 102% of CDI on business days and offers Cofrinhos for saving toward goals.picpay.com · read 7 Oct 2026
- Scheduled transfers
- Yesapps.apple.com · read 20 Sep 2026
- Security
- The account page lists Seguro Mode, hidden balances and investments, device passcode access, geolocation and identity validation as security features.picpay.com · read 7 Oct 2026
- Support
- PicPay directs customers to its online Help Center for questions and customer support.picpay.com · read 7 Oct 2026
- Transfer speed
- instantapps.apple.com · read 20 Sep 2026
- Transfer tracking
- Yesapps.apple.com · read 20 Sep 2026
- What it does
- PicPay describes itself as a financial ecosystem offering accounts, payments, credit, investments, insurance and cards for individuals and businesses.picpay.com · read 7 Oct 2026