Tech riderRev. 7 Oct 2026

PicPay

1Runs onAndroid, iOS, Web
2CostsFree plan
3Transfer speedinstant
4Exchange-rate modelmarkup
5Mobile platformsboth
6Transfer trackingYes
7Scheduled transfersYes

7 lines stated Written from the maker's own pages: apps.apple.com, picpay.com

Overview

PicPay is a financial service for individuals and businesses, offering accounts, payments, credit, investments, insurance, and cards. It is available on Android, iOS, and the web, and transfers are instant, trackable, and schedulable. For consumers, 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. PicPay says account balances earn 102% of CDI on business days and offers Cofrinhos for savings goals. PicPay Empresas provides a card reader, payment links, PicPay Tap, and boleto payment options. Its Smart device combines order management, inventory control, and payment acceptance. The listed consumer and business accounts are free. PicPay directs customers to its online Help Center for questions and support.

Who it is for

PicPay suits individuals looking for an app-managed account and payment options, and businesses seeking payment acceptance tools. Its web and mobile availability supports users on those platforms.

What is good

Transfers are instant, trackable, and schedulable.
Supports Pix and boleto installments.
Card is advertised without an annual fee.
Business Smart combines orders, inventory, and payments.

What to know first

Exchange rates use a markup.
Machine rental fees may apply below R$5,000 monthly card volume per device.

Verdict

PicPay combines consumer financial services with business payment and sales tools, and both listed account plans are free. Consider the exchange-rate markup and the stated machine rental condition when evaluating the service.

PicPay plans and pricing

All plans

PicPay Conta Digital Free Digital account · 102% of CDI on business days · Pix and bill payments · card subject to request picpay.com · 7 Oct 2026

PicPay Empresas account Free Digital business account · Pix transfers and receipts without fees in specified modes picpay.com · 7 Oct 2026

Compared on money transfer apps

Free plan: Yesapps.apple.com
Transfer speed: instantapps.apple.com
Exchange-rate model: markupapps.apple.com
Mobile platforms: bothapps.apple.com
Transfer tracking: Yesapps.apple.com
Scheduled transfers: Yesapps.apple.com

Facts

What it does: PicPay describes itself as a financial ecosystem offering accounts, payments, credit, investments, insurance and cards for individuals and businesses.picpay.com · 7 Oct 2026
Business payments: PicPay Empresas offers a card reader, payment links, PicPay Tap and boleto payment options for businesses.picpay.com · 7 Oct 2026
Pix features: The consumer account page lists scheduled Pix, Pix by WhatsApp and contactless Pix using Google Pay.picpay.com · 7 Oct 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 · 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 · 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 · 7 Oct 2026
Security: The account page lists Seguro Mode, hidden balances and investments, device passcode access, geolocation and identity validation as security features.picpay.com · 7 Oct 2026
Business sales tools: PicPay Smart combines order management, inventory control and payment acceptance in one device.picpay.com · 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 · 7 Oct 2026
Support: PicPay directs customers to its online Help Center for questions and customer support.picpay.com · 7 Oct 2026
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 · 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 · 7 Oct 2026