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
  - Ecommerce
  - Checkout
  - Credit Card
  - Loans
  - Investments
  - Insurance
  - Brazil
  - Latin America
  - Super App
image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
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: '0.20'
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
      - 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: Webhook
        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
    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
    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: 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:[email protected]
  - type: GitHubOrganization
    url: https://github.com/PicPay
  - type: SDK
    name: Magento 2 Integration
    url: https://github.com/PicPay/magento2
  - type: SDK
    name: Shopify Integration
    url: https://github.com/PicPay/ecommerce-integration-shopify
  - type: SDK
    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: [email protected]