PicPay
picpay.com
What it is
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.
Spec sheet
- What it does
- PicPay describes itself as a financial ecosystem offering accounts, payments, credit, investments, insurance and cards for individuals and businesses.Read 7 Oct 2026 · picpay.com
- Free plan
- YesRead 20 Sep 2026 · apps.apple.com
- Security
- The account page lists Seguro Mode, hidden balances and investments, device passcode access, geolocation and identity validation as security features.Read 7 Oct 2026 · picpay.com
- Support
- PicPay directs customers to its online Help Center for questions and customer support.Read 7 Oct 2026 · picpay.com
- Headquarters
- São Paulo, BrazilRead 28 Sep 2026 · picpay.com
- Founded
- 2012Read 28 Sep 2026 · picpay.com
- 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.Read 7 Oct 2026 · picpay.com
- 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.Read 7 Oct 2026 · picpay.com
- Business payments
- PicPay Empresas offers a card reader, payment links, PicPay Tap and boleto payment options for businesses.Read 7 Oct 2026 · picpay.com
- Business sales tools
- PicPay Smart combines order management, inventory control and payment acceptance in one device.Read 7 Oct 2026 · picpay.com
- Card
- PicPay describes its card as debit and credit, managed in the PicPay app, and advertises it without an annual fee.Read 7 Oct 2026 · picpay.com
- Company history
- PicPay says it was founded in Vitória, Espírito Santo, and its official code of conduct states it was founded in 2012.Read 7 Oct 2026 · picpay.com
- Exchange-rate model
- markupRead 20 Sep 2026 · apps.apple.com
- 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.Read 7 Oct 2026 · picpay.com
- Mobile platforms
- bothRead 20 Sep 2026 · apps.apple.com
- Pix features
- The consumer account page lists scheduled Pix, Pix by WhatsApp and contactless Pix using Google Pay.Read 7 Oct 2026 · picpay.com
- Savings
- The consumer account page says balances earn 102% of CDI on business days and offers Cofrinhos for saving toward goals.Read 7 Oct 2026 · picpay.com
- Scheduled transfers
- YesRead 20 Sep 2026 · apps.apple.com
- Transfer speed
- instantRead 20 Sep 2026 · apps.apple.com
- Transfer tracking
- YesRead 20 Sep 2026 · apps.apple.com
Plans and prices
PicPay Conta Digital Free 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 Free Digital business account · Pix transfers and receipts without fees in specified modes Read 7 Oct 2026 · picpay.com
Strong points and limits
Strong points
- 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.
Limits
- Exchange rates use a markup.
- Machine rental fees may apply below R$5,000 monthly card volume per device.
Who it suits
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.
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.
Where Specifiction places it
- Digital Banking Apps in Brazil#2 of 237.8
- Money Transfer Apps#27 of 818.3
- Peer-to-Peer Payment Apps#11 of 248.1