PicPay review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
PicPay is a digital bank known for combining account, card, Pix, loans and investments for individuals and companies in one app. It suits sellers and employers who want sales management, Pix acceptance and staff benefit tools alongside everyday money control.
Key facts
- Best for
- Sellers and employers managing money in one app
- Monthly fee
- R$0 (Source, checked September 26, 2026)
- Official website
- picpay.com
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Offers account, card, Pix, loans and investments within a single app.
- Accepts sales through card machine, payment link, tap option and boleto billing.
- Centralises receipts in one place and connects outside accounts for simpler control.
- Provides flexible staff benefits and a single multibenefit card for daily use.
Cons
- Operates as a fully digital service with management centred in one app.
- Covers selling and staff management, which adds complexity for simple card use.
Who it suits
- Small sellers who accept Pix and card payments
- Employers who manage receipts and staff benefits
Who should look elsewhere
- People who want branch based banking
How PicPay compares
Frequently asked questions
What is PicPay?+
PicPay is a digital bank that provides accounts, cards, Pix, loans and investments for individuals and companies. It connects accounts to simplify financial life and centralises receipts in one app. Management stays digital and focuses on everyday use and company needs.
What selling tools does PicPay provide?+
PicPay provides card machine acceptance, payment links, tap acceptance and boleto issuance for sellers. It supports sending and receiving Pix payments and anticipates receivables to support cash flow. The tools help sellers manage sales and receipts from different locations.
How does PicPay support staff benefits?+
It offers flexible benefits across food, mobility, culture, health and education with management by team. It also provides a multibenefit card and salary advance access for employees. The solutions value talent and support engagement across teams.
Who uses PicPay for selling and team management?+
PicPay serves sellers and companies that want to manage sales and receipts centrally. It promotes company visibility among up to 70 million PicPay customers and supports selling from different places. Employers also use it for team benefits and salary access.
Does PicPay charge a monthly fee?+
The monthly fee at PicPay is R$0. (Source, checked September 26, 2026)
Sources
- picpay.com/pt-br/pj checked September 26, 2026
Backs: Monthly fee
Compiled from 1 source page, checked October 13, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Card type, Protection.