PicPay

aid: picpay
name: PicPay
description: PicPay is a Brazilian fintech super-app and digital bank serving over 67 million users with a digital wallet,
  payment account, credit and debit cards, personal loans, investments (Cofrinho / fixed income), insurance, and PIX-based
  money movement. Founded in 2012 and acquired by J&F Investimentos (the holding company behind JBS) in 2015, PicPay is controlled
  today by J&F Participações and in 2024 incorporated the retail customer base of Banco Original to consolidate the group's
  consumer banking strategy. For developers and merchants, PicPay Business exposes a set of REST APIs that let online stores
  accept the PicPay wallet, credit/debit cards, PIX, and payment links as payment methods. The historical Ecommerce Public
  API on appws.picpay.com is authenticated with the x-picpay-token / x-seller-token headers and remains in use for direct
  wallet checkout. A newer unified business developer portal at developers-business.picpay.com publishes the Gateway PicPay
  Checkout API, Carteira PicPay Wallet API, PIX API, and Payment Link API, all of which now use OAuth 2.0 client_credentials
  bearer JWTs minted at api.picpay.com/oauth2/token (5-minute TTL) and webhook callbacks for payment status notifications.
  PicPay also publishes GitHub repos for Magento, Shopify, and Wake ecommerce integrations, plus its open developer documentation
  for the wallet and PIX APIs under picpay.github.io. PicPay reported a return to profitability in 2023 and is reportedly
  working with Citigroup on a U.S. IPO.
tags:
- Payments
- Digital Wallet
- Digital Bank
- Neobank
- Fintech
- Pix
- E-Commerce
- Checkout
- Credit Card
- Loans
- Investments
- Insurance
- Brazil
- Latin America
- Super App
tags_raw:
- Payments
- Digital Wallet
- Digital Bank
- Neobank
- Fintech
- PIX
- Ecommerce
- Checkout
- Credit Card
- Loans
- Investments
- Insurance
- Brazil
- Latin America
- Super App
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/picpay.png
url: https://raw.githubusercontent.com/api-evangelist/picpay/refs/heads/main/apis.yml
kind: contract
access: 3rd-Party
position: Consuming
created: '2026-05-25'
modified: '2026-05-25'
specificationVersion: '0.23'
apis:
- aid: picpay:picpay-ecommerce-checkout-api
  name: PicPay Ecommerce Checkout API
  description: Public REST API on appws.picpay.com that lets merchants charge a PicPay user's wallet from an ecommerce checkout.
    Creates a payment with a referenceId, returns a payment URL plus a QR code for the buyer, exposes a status endpoint to
    poll payment state (created/expired/analysis/paid/completed/refunded/chargeback), and a cancellation endpoint to void
    unpaid or refund paid orders. Authenticated with the x-picpay-token integration key and x-seller-token seller identifier
    headers.
  humanURL: https://picpay.github.io/picpay-docs-digital-payments/checkout/resources/api-reference/
  tags:
  - Payments
  - Wallets
  - Checkout
  - E-Commerce
  tags_raw:
  - Payments
  - Wallet
  - Checkout
  - Ecommerce
  properties:
  - type: Documentation
    url: https://picpay.github.io/picpay-docs-digital-payments/checkout/resources/api-reference/
  - type: Documentation
    url: https://developers-business.picpay.com/wallet/en/checkout/resources/api-reference
  - type: Authentication
    url: https://developers-business.picpay.com/wallet/en/checkout/authentication
  - type: Webhooks
    url: https://developers-business.picpay.com/wallet/en/checkout/guides/notifications
- aid: picpay:picpay-gateway-checkout-api
  name: PicPay Gateway Checkout API
  description: Unified payment gateway API for accepting credit cards, PIX, and the PicPay wallet through transparent, standard,
    or lightbox checkout flows. Exposes charges, charge cancellation, card vault storage, card validation, 3DS authentication,
    recurring payments, and BIN lookup. Authenticated with OAuth 2.0 client_credentials bearer JWTs minted at api.picpay.com/oauth2/token.
  humanURL: https://developers-business.picpay.com/checkout/docs/api/ecommerce-checkout-api
  tags:
  - Payments
  - Gateway
  - Credit Card
  - Pix
  - 3DS
  - Recurring Payments
  tags_raw:
  - Payments
  - Gateway
  - Credit Card
  - PIX
  - 3DS
  - Recurring Payments
  properties:
  - type: Documentation
    url: https://developers-business.picpay.com/checkout/docs/api/ecommerce-checkout-api
  - type: Documentation
    url: https://developers-business.picpay.com/checkout
  - type: Authentication
    url: https://developers-business.picpay.com/checkout/en/docs/authentication
- aid: picpay:picpay-pix-api
  name: PicPay PIX API
  description: REST API for accepting PIX (Brazil's instant payment rail) as a payment method in ecommerce. Supports PIX cobrança
    (charge / QR code generation), payment confirmation, refunds, and webhook notification of paid charges. Authenticated
    with an OAuth 2.0 access token obtained from the PicPay authorization server.
  humanURL: https://picpay.github.io/picpay-docs-digital-payments/
  tags:
  - Payments
  - Pix
  - Instant Payments
  - QR Code
  tags_raw:
  - Payments
  - PIX
  - Instant Payments
  - QR Code
  properties:
  - type: Documentation
    url: https://picpay.github.io/picpay-docs-digital-payments/
  - type: Documentation
    url: https://developers-business.picpay.com/pix
  - type: Authentication
    url: https://developers-business.picpay.com/pix/en/docs/api/token
- aid: picpay:picpay-payment-link-api
  name: PicPay Payment Link API
  description: Lets merchants accept remote sales by generating a hosted PicPay checkout link that can be paid with credit
    card, PIX, or the PicPay wallet. Useful for social-commerce, invoicing, and conversational sales channels that don't have
    a full storefront integration.
  humanURL: https://developers-business.picpay.com/payment-link
  tags:
  - Payments
  - Payment Link
  - Checkout
  - Remote Sales
  properties:
  - type: Documentation
    url: https://developers-business.picpay.com/payment-link
common:
- type: DomainSecurity
  url: security/picpay-domain-security.yml
- type: Website
  url: https://www.picpay.com
- type: Portal
  url: https://developers-business.picpay.com/en/
- type: Documentation
  url: https://picpay.github.io/picpay-docs-digital-payments/
- type: Documentation
  url: https://picpay.github.io/picpay-docs-ms-ecommerce-checkout/en/docs/introduction/
- type: Business
  url: https://www.picpay.com/site/parapme
- type: Product
  name: PicPay Wallet & Banking
  url: https://www.picpay.com
- type: Product
  name: PicPay Cofrinho (Yield Account)
  url: https://www.picpay.com
- type: Product
  name: PicPay Credit Card
  url: https://www.picpay.com
- type: Product
  name: PicPay Loans
  url: https://www.picpay.com
- type: Product
  name: PicPay Investments
  url: https://www.picpay.com
- type: Product
  name: PicPay Insurance
  url: https://www.picpay.com
- type: ParentCompany
  name: J&F Investimentos
  url: https://jfinvest.com.br/en/business/picpay/
- type: InvestorRelations
  url: https://investor.picpay.com/
- type: Blog
  url: https://blog.picpay.com/
- type: Newsroom
  url: https://meu.picpay.com/imprensa
- type: Careers
  url: https://carreiras.picpay.com/
- type: Support
  url: https://meu.picpay.com/ajuda
- type: Contact
  name: Negocios PicPay
  url: mailto:negocios@atendimento.picpay.com
- type: GitHubOrganization
  url: https://github.com/PicPay
- type: SDKs
  name: Magento 2 Integration
  url: https://github.com/PicPay/magento2
- type: SDKs
  name: Shopify Integration
  url: https://github.com/PicPay/ecommerce-integration-shopify
- type: SDKs
  name: Wake Commerce Integration
  url: https://github.com/PicPay/ecommerce-integration-wake
- type: Twitter
  url: https://twitter.com/PicPay
- type: LinkedIn
  url: https://www.linkedin.com/company/picpay
- type: YouTube
  url: https://www.youtube.com/@picpay
- type: Instagram
  url: https://www.instagram.com/picpay
- type: TermsOfService
  url: https://meu.picpay.com/termos-de-uso
- type: PrivacyPolicy
  url: https://meu.picpay.com/politica-de-privacidade
- type: AppStore
  name: PicPay iOS
  url: https://apps.apple.com/br/app/picpay-conta-cart%C3%A3o-e-pix/id606130353
- type: PlayStore
  name: PicPay Android
  url: https://play.google.com/store/apps/details?id=com.picpay
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com