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picpay.com
PicPay
PicPay presents a free financial ecosystem for individuals and businesses. It offers digital accounts, Pix payments, bill payment, cards, credit, investments and insurance. Transfers are described as instant, with tracking and scheduling. Exchange uses a markup. Businesses can accept payments…
Visit picpay.com ↗ What it costs
- 8.4 No. 20on Money transfer apps
- Free planprice, as published
- Oct 7, 2026read on
What PicPay costs
- PicPay Conta Digital Free
- PicPay Empresas account Free
The consumer PicPay Conta Digital and PicPay Empresas account are listed as free. PicPay says the card has no annual fee. Business machine rental can be R$49.90 a month if a contracted device does not reach R$5,000 in monthly card transactions. Exchange uses a markup, with no amount given.
As picpay.com publishes them, read Oct 7, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Exchange rate
- A markup on the rateas stated, Sep 20, 2026
- How fast it lands
- instant
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 20
Rate with a markup
Strengths and limits
Strengths
- Free consumer and business account plans
- Instant transfers with tracking and scheduling
- Card advertised without an annual fee
- Business tools include links, Tap, boleto and Smart
- Balances listed at 102% of CDI on business days
Limits
- General transfer fees are not published here
- Business device rental can be R$49.90 a month
- Some installment and fee conditions remain unclear
What PicPay does
PicPay describes a financial ecosystem for individuals and businesses. Its services include digital accounts, payments, credit, investments, insurance and debit or credit cards.
Consumers can make Pix and bill payments, schedule Pix, use Pix by WhatsApp and use contactless Pix with Google Pay. PicPay also lists instant transfers, transfer tracking and scheduled transfers.
Fees and plans
PicPay lists its consumer PicPay Conta Digital as free. The plan includes a digital account, Pix and bill payments, and a card that is available on request. PicPay says its card has no annual fee.
PicPay Empresas account is also listed as free. It includes a digital business account and Pix transfers and receipts without fees in specified modes.
PicPay publishes an exchange-rate markup, but does not state the markup amount here. It does not publish a general transfer fee in these facts.
For PicPay business devices, zero machine rental fees may depend on at least R$5,000 in monthly card transactions per contracted device. If that condition is not met, PicPay states a monthly rental charge of R$49.90.
Where it runs
PicPay lists Android, iPhone and web access. Its mobile app manages the PicPay card and supports the consumer account features described above.
Protection and rules, as PicPay publishes them
PicPay's account page lists Seguro Mode, hidden balances and investments, device passcode access, geolocation and identity validation as security features.
PicPay directs customers to its online Help Center for questions and support. The provided facts do not state a licence, regulator, deposit protection, two-factor sign-in or a dispute process.
Strengths
The free consumer account covers Pix and bill-payment functions, while the free business account lists Pix transfers and receipts without fees in specified modes. PicPay also describes instant transfers with tracking and scheduling.
Consumers can request a debit and credit card without an annual fee. The account page lists balances earning 102% of CDI on business days and Cofrinhos for saving toward goals.
Businesses can use payment links, PicPay Tap, boleto payments, a card reader and PicPay Smart, which combines orders, inventory and payment acceptance.
Catches and conditions
PicPay says exchange uses a markup, but the amount is not given in these facts.
Business machine rental depends on monthly card volume of at least R$5,000 per contracted device for zero rental fees. Otherwise, the stated rental is R$49.90 a month.
Pix and boleto payments can be split into up to 12 installments on any card, or up to 36 installments with PicPay Parcela. The facts do not give installment costs or other limits.
Who should skip PicPay
PicPay may not fit someone who needs a published exchange-rate margin or clear country and currency coverage.
A business that cannot meet the stated R$5,000 monthly card volume should account for the R$49.90 machine rental.
Verdict
PicPay suits readers who want one free account for Pix, bills, cards and related financial services, with Android, iPhone and web access. Its business offering adds payment acceptance and sales-management tools.
The main unknowns are the size of the exchange markup, broader transfer pricing, country and currency availability, and the conditions behind some fee-free business modes. Businesses using a device should also weigh the transaction-volume requirement against the stated monthly rental.
Who it suits
Pick it if
- People wanting Pix, bills and card access in one app
- Businesses needing account and payment-acceptance tools
- Users who value scheduled and trackable transfers
Skip it if
- You need a fully stated exchange and international fee schedule
- Your business may not meet R$5,000 monthly card volume per device
- You need confirmed country, currency or dispute-process details
Facts we read
- Business audiencePicPay 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, Oct 7, 2026
- Business limitsPicPay 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, Oct 7, 2026
- Business paymentsPicPay Empresas offers a card reader, payment links, PicPay Tap and boleto payment options for businesses. · picpay.com, Oct 7, 2026
- Business sales toolsPicPay Smart combines order management, inventory control and payment acceptance in one device. · picpay.com, Oct 7, 2026
- CardPicPay describes its card as debit and credit, managed in the PicPay app, and advertises it without an annual fee. · picpay.com, Oct 7, 2026
- Company historyPicPay says it was founded in Vitória, Espírito Santo, and its official code of conduct states it was founded in 2012. · picpay.com, Oct 7, 2026
- Exchange-rate modelmarkup · apps.apple.com, Sep 20, 2026
- Founded2012 · picpay.com, Sep 28, 2026
- Free planYes · apps.apple.com, Sep 20, 2026
- HeadquartersSão Paulo, Brazil · picpay.com, Sep 28, 2026
- InstallmentsThe 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, Oct 7, 2026
- Mobile platformsboth · apps.apple.com, Sep 20, 2026
- Pix featuresThe consumer account page lists scheduled Pix, Pix by WhatsApp and contactless Pix using Google Pay. · picpay.com, Oct 7, 2026
- SavingsThe consumer account page says balances earn 102% of CDI on business days and offers Cofrinhos for saving toward goals. · picpay.com, Oct 7, 2026
On these lists
Use instead
Questions
Is PicPay free?
PicPay lists its consumer PicPay Conta Digital and PicPay Empresas account as free. A business machine can cost R$49.90 a month if the stated transaction-volume condition is not met.
Are PicPay transfers instant?
PicPay is described as offering instant transfers, plus transfer tracking and scheduled transfers.
Does PicPay charge an exchange fee?
PicPay publishes an exchange-rate markup, but the amount is not provided in these facts. A general transfer fee is also not stated.
Does the PicPay card have an annual fee?
PicPay describes its debit and credit card as having no annual fee. The card is available on request under the consumer account plan.
How much can businesses pay for machine rental?
PicPay says zero rental may depend on at least R$5,000 in monthly card transactions per contracted device. Otherwise, it states R$49.90 a month.
Can PicPay payments be split into installments?
The account page says Pix and boleto payments can be split into up to 12 installments on any card, or up to 36 with PicPay Parcela.
What security features does PicPay list?
PicPay lists Seguro Mode, hidden balances and investments, device passcode access, geolocation and identity validation. It directs customers to its online Help Center for support.
Is PicPay yours?
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