PicPay Overview: Payments and E-commerce Solutions for Brazilian Merchants

PicPay is a Brazilian digital payments platform with merchant solutions designed to help businesses sell online and in person. Under the PicPay Empresas brand, businesses can open a free PJ account to manage sales, accept Pix, issue boletos, use card machines through partners, anticipate receivables, and run day-to-day finances from a single dashboard on web or app.

Ways to Accept Payments with PicPay

Online checkout for e-commerce

PicPay E-commerce provides a ready checkout so customers pay with their PicPay wallet balance or with credit card, including the option to split purchases into up to 12 installments. The merchant can choose whether the business or the buyer covers installment interest, which can help you tune conversion and margin by product category.

On the same product line, PicPay describes a simple customer flow for QR payments on desktop or mobile. On desktop, the shopper selects PicPay at checkout and scans a QR code with the PicPay app. On mobile, choosing PicPay triggers the app to open for confirmation. This reduces friction for wallet users and avoids manual entry.

Payment links and social selling

If you sell through WhatsApp, social networks, or by invoice, PicPay Empresas includes Payment Links. You generate a link in the app, share it in any channel, and the buyer can pay with credit card, PicPay, or Pix. The provider highlights anti-fraud protection on links and instant receipt of funds to speed up remote sales.

QR Code and Pix

For in-person or remote collection, you can create a Pix QR code directly inside the PicPay Empresas app. The help center shows the steps to generate a standard or customized QR with value and description, then share it with the payer. This is useful for pop-up stores, events, deliveries, and service invoices.

Developer-friendly integration

PicPay offers multiple integration models for developers and platforms:

• Checkout models: Transparent checkout that runs on your site for a seamless experience, plus SDK-based transparent checkout for teams that prefer PicPay’s PCI-ready components. Standard and lightbox models are also available.

• APIs and docs: The company provides E-commerce Checkout API documentation in Portuguese and English, including authentication, charges, and webhooks. Authentication uses OAuth 2.0 with the client credentials grant.

• Features: Support for authorization with automatic or late capture, partial and total cancellation, BIN lookup, card validation, 3DS authentication, and Pix. These capabilities let you tailor risk, UX, and post-authorization flows to your business model.

Built-in Tools for Platforms and Marketplaces

PicPay’s Payment Split lets a main merchant register sub-sellers, set commission rules, manage receivables, and settle automatically via CIP. Split works across transparent, standard, and lightbox checkouts, which makes it a fit for marketplaces or multi-vendor catalogs. The provider also supports recurring payments for plans and subscriptions, with configurable frequency, term, and retry behavior.

Pricing and Settlement

PicPay publishes clear e-commerce rates tied to payout schedule choices, with a “single fee per sale” message:

• Receive in 1 day: 5.19 percent

• Receive in 14 days: 4.61 percent

• Receive in 30 days: 3.89 percent

The provider states zero monthly fee, zero setup cost, zero withdrawal fee, zero cancellation fee, and antifraud included.

Business account and operations

Opening the PicPay Empresas PJ account is free. From the business portal you can track sales, anticipate receivables from PicPay and other card machines into one app, issue boletos, and connect personal and business PicPay accounts to simplify routine finance tasks. Mobile and desktop access are both available, and there are dedicated support lines for business users.

If you prefer a lighter setup, PicPay Pro targets sellers that do not have a CNPJ. It advertises no signup, rental, or monthly fees, and the option to sell at sight or in up to 12 installments with instant receipt. For registered companies, the provider recommends migrating to PicPay Empresas for a fuller suite.

Security and Compliance

The company highlights a PCI DSS-certified environment for its e-commerce solutions. When merchants process card data directly through transparent checkout, PCI DSS compliance is required, while the SDK helps merchants who do not want to handle card data themselves. The platform also supports 3DS to authenticate cardholders with issuers for added protection.

Plugins and Partner Platforms

PicPay E-commerce mentions integrations with major commerce platforms including VTEX and Magento. This reduces time to market for merchants already on those stacks and simplifies ongoing maintenance.

Who PicPay is Best For

• Wallet-first audiences in Brazil: If your customers already use PicPay or prefer Pix, PicPay’s QR and wallet flows can shorten checkout and improve mobile conversion.

• Marketplaces and platforms: Payment Split and subaccreditation features support multi-party settlements and compliance with scheme rules, which is key for marketplace business models.

• Subscription businesses: Recurrence via API supports plans, trials, and retries to reduce churn without manual work.

Conclusion

PicPay gives Brazilian merchants a versatile toolkit for selling online and via social channels with wallet, Pix, and credit card acceptance, plus marketplace and subscription features through robust APIs. For many merchants, the combination of one-fee e-commerce pricing by payout schedule, included antifraud, and fast wallet or Pix flows makes PicPay a practical option to test alongside existing gateways and measure lift in conversion and net yield.