# PicPay

**Canonical:** https://apis.io/providers/picpay/  
**Website:** https://www.picpay.com  
**APIs profiled:** 4

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.

## Kin Score — 14.5 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 14.5).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 40.5 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Payments**: 15.6 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (4)

- **PicPay Ecommerce Checkout API** — 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 plu...
- **PicPay Gateway Checkout API** — Unified payment gateway API for accepting credit cards, PIX, and the PicPay wallet through transparent, standard, or lightbox checkout flows. Exposes charges, charge cancellatio...
- **PicPay PIX API** — 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, ...
- **PicPay Payment Link API** — 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, invoicin...

## Security (1)

- **Picpay Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, Digital Wallet, Digital Bank, Neobank, Fintech, Pix, E-Commerce, Checkout, Credit Card, Loans, Investments, Insurance, Brazil, Latin America, Super App

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/picpay/). Scores are computed from the provider's own public artifacts under a published rubric.