PicPay
Digital account for Pix, bank transfers and everyday finances in Brazil.
At a glance
- Editor scoreNot yet scored
- PricingFree plan
- Best forBrazilian Pix and wallet transfers
- Free planYes
- Paid fromNone
- Transfer speedInstant
- Founded2012 · São Paulo, Brazil
- Facts checked20 Sep 2026
Where it wins
- Free domestic Pix and TED transfers with instant Pix processing
- Scheduled Pix, downloadable statements and transaction history
- Open Finance, Apple Pay, Google Pay and WhatsApp integrations
Where it doesn't
- International transfers and currency conversion add spread, tax and transaction fees
- Recipient coverage centers on bank accounts and wallets
- Primarily designed for consumers and businesses in Brazil
Our verdict on PicPay
PicPay is a free digital account and payment app for consumers and businesses in Brazil. Its core offering combines Pix payments and person-to-person transfers with TED transfers to bank accounts, bill payments, card products, investments, loans and international account features. Users can send and receive Pix, schedule payments, review transaction history and access the service through web, iOS and Android apps. It is a practical fit for people who want Brazilian everyday payments and transfers in one account, especially when recipients use bank accounts or wallets.
For domestic transfers, the published plans show a free model: standard Pix and TED transfers are free, while Pix processing is instant. Scheduling adds control for recurring or future payments, and downloadable statements support record keeping. PicPay also connects with Open Finance, Google Pay, Apple Pay and WhatsApp. Pix can be used through WhatsApp, audio and QR code, giving the service several payment and transfer entry points rather than limiting activity to a single app workflow.
The international account extends the product beyond domestic Pix with foreign-currency conversion, but international transfers and conversion involve separate spread, tax and transaction fees. That cost structure makes PicPay more compelling for Brazil-centered payment activity than for users seeking a simple, low-cost international transfer specialist. Security controls include device authentication and two-factor authentication. Choose PicPay if free domestic Pix and bank transfers, scheduling, statements and local wallet coverage are the priority; consider an alternative if your main need is broad recipient coverage or predictable international exchange costs.
PicPay pricing
PicPay fact sheet
| Free plan | Yes |
|---|---|
| Paid from | None |
| Recipient methods | Not verified |
| Transfer speed | Instant |
| Exchange-rate model | Markup |
| Mobile platforms | Both |
| Upfront fee display | Not verified |
| Transfer tracking | Yes |
| Scheduled transfers | Yes |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | 2FA |
| Support | Live chat, Phone, Docs · 24/7 |
| Built for | Solo, Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 4 integrations: Open Finance, Google Pay, Apple Pay, WhatsApp |
| Pricing | Free plan (source) |
| Website | picpay.com |
| Facts checked | 20 Sep 2026 |
PicPay integrations
PicPay lists 4 integrations on its own site.
- Open Finance
- Google Pay
- Apple Pay
Alternatives to PicPay
- WiseA transparent option for international transfers across web and mobile.—
- TransferGoA flexible transfer service with a free multicurrency wallet and upfront pricing.6.5
- Xe Money TransferA broad international transfer service with transparent quotes, tracking, and multiple delivery methods.—
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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