How does PicPay work? Study all concerning the funds app!

You have most likely heard concerning the PicPay, proper? However have you learnt what it’s and how PicPay works? In as we speak’s article I am going to clarify the whole lot about this genuinely Brazilian cost app and the way it can change the way in which you relate to your cash.

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What’s PicPay?

PicPay is a web-based software like a digital pockets. The thought is to simplify using cash on-line. Amongst its potentialities are:

  • Switch between customers;
  • Web buying;
  • Fee for providers;
  • Difficulty prices;
  • Put credit score on the cellular phone;
  • Purchases in installments;
  • Fee of slips;
  • Account division between customers.

Keep in mind that PicPay is an software developed in Brazil. It may be downloaded from the app shops of cellphones with Android or iOS methods.

👉Learn additionally: I haven’t got a unfavorable identify, why cannot I get a bank card?

How PicPay works: perceive it right here!

To be taught extra about how PicPay works, proceed studying this publish. All of your questions on PicPay shall be answered right here.

Is PicPay free?

Probably the most essential issues to say for individuals who have not downloaded the app but: it is fully free. You need not pay completely something to obtain the app or begin utilizing it.

Then you definitely would possibly need to use the app in a complicated approach. On this case, to make use of a distinct useful resource, there could also be a small cost. Even so, this cost is often made as a proportion slightly than a set charge.

Is PicPay safe?

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Request your card!

Like every monetary establishment, PicPay values ​​safety. Consumer knowledge is encrypted and saved on safe servers. All nationwide and worldwide knowledge safety requirements are adopted.

All privateness and safety practices are in accordance with the LGPD (Basic Knowledge Safety Regulation). PicPay additionally adheres to the safety practices of the PCI DSS (Fee Card Business Knowledge Safety Customary), which is a safety commonplace for firms coping with bank cards.

Learn how to withdraw cash from PicPay?

If in case you have cash in PicPay’s digital pockets, you may withdraw it at any of the greater than 23 thousand terminals on the Banco24Horas community. To do that, merely use the digital withdrawal choice with QR code, on the ATM, scan the code together with your smartphone and authenticate the app together with your fingerprint or password.

Learn how to register within the app

Registering is comparatively easy. After downloading and putting in, it is possible for you to to register your self with none difficulties.

The requested knowledge are:

  • Full identify;
  • Date of beginning;
  • CPF;
  • Tackle (as a result of some bank card transactions ask for an tackle);
  • E-mail;
  • Cell;
  • Login and password.

After registering, simply enter your password to entry the appliance.

Learn how to make funds on PicPay

PicPay has two primary types of cost. The pockets and bank card.


A pockets is actually a digital pockets. There are a number of methods to have cash in your pockets. You may deposit cash into it, you may accumulate cashback quantities, and even obtain funds, for instance.

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Within the app you may select whether or not you need to use the cash out of your pockets to make funds or not. You may select to not use it, and make funds on the cardboard.

splitting the cost

An attention-grabbing chance for individuals who have some cash of their pockets is to pay with two sources. So you employ the cardboard and pockets collectively to make the cost.

For instance: think about that you’ve BRL 20 in your pockets and you’ll pay a invoice of BRL 50. It isn’t doable to pay this invoice together with your pockets alone. On this case, you should utilize the pockets worth to deduct what shall be paid on the cardboard. On this instance, your pockets can be zero, and the quantity charged to your bank card can be solely 30 reais.

Bank card

One other solution to make funds is with a registered bank card. In that case you want to add the cardboard to your account. This manner will probably be doable to make funds by means of PicPay utilizing the cardboard you may have registered.

Including a bank card

So as to add a bank card is simple. Simply open the appliance, click on on “pockets” and search for the “add bank card” button.

After that, simply fill within the particulars of the cardboard you need to use. Among the many knowledge are the cardboard quantity (with its 16 digits), the billing tackle, and the safety code. Moreover, additionally it is doable to create a “nickname” for the cardboard. This makes it simpler to determine while you select to change a registered card for an additional.


Keep in mind that, like different monetary establishments, PicPay additionally accepts Pix! Simply register your Pix key within the app.

Learn how to use cashback on PicPay?

Sure, PicPay has cashback! However listen. The cashback system isn’t lively on a regular basis, neither is there a solution to make all purchases this fashion.

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The easiest way to reap the benefits of PicPay cashback is to allow in-app notifications and keep tuned. They often notify their clients by means of notifications.

When the notification arrives, click on and skim rigorously. You often want to concentrate to the small print that make cashback legitimate. Test the deadline, the utmost quantity, the day and the type of cost, for instance.

The cashback quantity instantly goes into your pockets and can be utilized to make purchases, transfers and the rest.

What’s PicPay Professional for Enterprise?

O PicPay Professional is PicPay’s various for these with industrial functions. However keep in mind that on this model of the appliance there’s a charge. Each transaction acquired is charged at 1.99%.

The optimistic facet is that there is no such thing as a restrict on how a lot could be acquired every month. As well as, there’s additionally the potential of receiving funds in installments. You obtain cash immediately, and clients will pay as much as 12 installments.

👉 Learn additionally: PicPay Professional: Perceive the way it works, charges and variations

Are you going to join PicPay?

I hope I helped you perceive how PicPay works and what are its benefits. If you understand somebody who’s unsure or within the app, please share this text!

And to remain knowledgeable concerning the monetary universe, maintain following My Credit score Card.

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