--- title: 'PicPay for Business: How It Works and How to Accept It' description: 'How businesses in Brazil accept PicPay: QR code, payment link and Pix flows, receipt times, refunds and fees, plus a go-live checklist.' url: 'https://www.unlimit.com/blog/payments/picpay-for-business/' image: 'https://cdn.unlimit.com/wp-content/uploads/2026/10/29165533/picpay-business-thumbnail.webp' language: en translations: pt-pt: 'https://www.unlimit.com/pt-pt/blog/payments/picpay-empresas/' published: '2026-10-29T17:00:18+00:00' modified: '2026-10-30T14:56:47+00:00' categories: - Payments --- > The index of this site for AI agents is at https://www.unlimit.com/llms.txt # PicPay for Business: How It Works, How to Accept It and What to Expect A business in Brazil accepts PicPay through a PicPay Empresas account, a payment link or its online checkout, with fees and receipt times that depend on the product, verified October 2026. ## Key takeaways - PicPay is a wallet whose customers pay in partner online stores, and PicPay Empresas is the business account for an MEI or a company with a CNPJ. - Pix carried 42% of Brazilian e-commerce value and credit cards 40% in 2025, so PicPay is one option beside them. - The customer scans a QR code or is redirected into the PicPay app, and when the merchant receives the money depends on the product, for example 1 business day at PicPay Tap. - The merchant pays the transaction fee; PicPay advertises card machine rates from 0.74%, set by revenue, and keeps its full fee table in the PicPay Empresas app. - A merchant can cancel a payment in full or in part even after it happened, but the Central Bank’s Pix special refund mechanism does not cover a customer’s change of mind. - To start, open the PJ account in the PicPay Empresas app, or use a payment provider that offers PicPay. ## What is PicPay? PicPay is a Brazilian digital wallet that lets customers pay online with their PicPay account in partner stores, and PicPay Empresas is its business account that lets an MEI or a company with a CNPJ receive Pix, card machine and payment link payments. The [PicPay help centre](https://meajuda.picpay.com/hc/pt-br/articles/51949249736851-O-que-%C3%A9-o-PicPay-Ecommerce-Carteira) calls the wallet payment PicPay Ecommerce Carteira, and the business side runs in the [PicPay Empresas app on Google Play](https://play.google.com/store/apps/details?id=com.picpay.business). A wallet payment works only in an online store that has integrated PicPay as a payment option. PicPay ran instant transfers and QR payments before the Central Bank’s Pix rail launched ([PicPay investor page](https://investor.picpay.com/about-us/)). PicPay customers choose the app they pay with; the business chooses which PicPay product gets it paid. Antom describes PicPay as a digital wallet with more than 70 million users ([Antom’s PicPay page](https://docs.antom.com/ac/antomop/picpay)). PicPay’s [investor page](https://investor.picpay.com/about-us/) says it obtained a Central Bank licence to operate as a payment institution in 2020 and as a financial institution in 2022. The entity behind PicPay Empresas is PicPay Instituição de Pagamento S.A., CNPJ 22.896.431/0001-10, per its app listing. Check that a PicPay Empresas contract names that entity and CNPJ. Unlimit offers PicPay and operates in Brazil as Unlimit Brasil Instituição de Pagamento Ltda ([Unlimit Brazil page](https://www.unlimit.com/pt-br/coverage/latam/brazil/)). Start accepting payments in Brazil and globally with one integration [Talk to sales](https://www.unlimit.com/contacts/) ## PicPay at a glance | Attribute | PicPay | |---|---| | Market | Brazil | | Method type | Digital wallet payment from a PicPay account in partner online stores; on the business side, PicPay Empresas with Pix, card machine and payment link | | Operator | PicPay (PicPay Instituição de Pagamento S.A. for PicPay Empresas); payment-institution licence from the Central Bank of Brazil in 2020, per PicPay | | Currency | Brazilian real (BRL); Unlimit supports 50+ currencies, with the settlement currency confirmed with the business | | Customer needs | A PicPay account in the PicPay app; no physical card for the wallet payment | | Amount limits | Pix to a business: the daily limit is set by each institution; PicPay Tap sets no per-transaction limit, but the customer’s card issuer may; at PSPs, e.g. dLocal, from BRL 1 per payment | | Confirmation to the merchant | Webhook for Pix payments, cancellations and expiration, and a status search in the checkout API | | Merchant settlement | At PicPay: Pix payment link, immediately; PicPay balance, 1, 14 or 31 days; credit card in one payment, 31 days; PicPay Tap, 1 business day | | Integration modes | Standard, lightbox and transparent checkout; payment link; wallet integration for e-commerce; via Unlimit’s REST API, PicPay QR on the payment page or gateway | | Refunds | Merchant cancels in full or in part, even after payment, by API request or in Painel Negócios; Unlimit: refunds supported (PICPAY) | | Disputes and chargebacks | Pix: Central Bank’s special refund mechanism, 80 days to contest a refund since 1 September 2026; card chargebacks: Not published by PicPay; at Antom, PicPay chargebacks and disputes are not supported | | Failed or unconfirmed payments | Pix charges report cancellation and expiration by webhook; reversal timelines: Not published by PicPay; on PSP routes, e.g. dLocal, PicPay payments expire after at most 1 day | | Recurring payments | Not published by PicPay; Unlimit: recurring supported (PICPAY) | | Merchant fees | PicPay: transaction fee charged to the merchant, not the buyer; card machine rates from 0.74%, personalised by revenue; BRL 49.90 monthly machine rental below BRL 5,000 in monthly sales; Pix received without extra fees; full fee table in the PicPay Empresas app; providers add their own fees; Unlimit fees quoted per business | | How a business gets access | Open a PJ account in the PicPay Empresas app, for an MEI or a company with a CNPJ | *PicPay parameters for businesses in Brazil, verified October 2026. Sources:* [*PicPay help centre, PicPay Ecommerce Carteira*](https://meajuda.picpay.com/hc/pt-br/articles/51949249736851-O-que-%C3%A9-o-PicPay-Ecommerce-Carteira)*;* [*PicPay Maquininha*](https://picpay.com/pt-br/pj/picpay-maquininha)*;* [*PicPay help centre, payment link receipt times*](https://meajuda.picpay.com/hc/pt-br/articles/43845143628179-Quais-s%C3%A3o-os-prazos-de-recebimento-do-link-de-pagamento-no-PicPay)*;* [*PicPay help centre, PicPay Tap*](https://meajuda.picpay.com/hc/pt-br/articles/51504498479123-Quais-s%C3%A3o-as-taxas-prazos-de-recebimento-e-op%C3%A7%C3%B5es-de-parcelamento-do-PicPay-Tap)*;* [*PicPay help centre, fees and instalments*](https://meajuda.picpay.com/hc/pt-br/articles/51949081995283-Como-s%C3%A3o-as-taxas-e-o-parcelamento-dos-pagamentos-com-PicPay-Ecommerce-Carteira)*;* [*PicPay help centre, PJ account*](https://meajuda.picpay.com/hc/pt-br/articles/42718651627923-O-que-%C3%A9-a-conta-PJ-do-PicPay-Empresas)*;* [*PicPay checkout documentation*](https://developers-business.picpay.com/checkout)*;* [*PicPay Pix API documentation*](https://developers-business.picpay.com/checkout/en/docs/features/pix)*;* [*PicPay payment link documentation*](https://developers-business.picpay.com/payment-link)*;* [*PicPay cancellation documentation*](https://developers-business.picpay.com/checkout/docs/features/total_and_parcial_cancelation)*;* [*PicPay Empresas on Google Play*](https://play.google.com/store/apps/details?id=com.picpay.business)*;* [*PicPay investor page*](https://investor.picpay.com/about-us/)*;* [*Gazeta do Povo, 1 September 2026*](https://www.gazetadopovo.com.br/economia/nova-regra-pix-prazo-para-contestacao-sobe-para-80-dias/)*;* [*Banco Central do Brasil, Pix limits*](https://www.bcb.gov.br/meubc/faqs/p/limites-de-valor-para-as-transacoes-pix)*;* [*dLocal, Brazil guide*](https://docs.dlocal.com/docs/brazil)*;* [*Antom, PicPay page*](https://docs.antom.com/ac/antomop/picpay)*.* ## Why PicPay matters for businesses selling in Brazil PicPay sits at Brazilian online checkouts next to Pix and credit cards, and their 2025 shares show the scale a business measures it against. Pix accounted for 42% of transaction value in Brazilian e-commerce in 2025 ([Folha de S.Paulo, citing the Global Payments Report 2026](https://www1.folha.uol.com.br/colunas/painelsa/2026/05/pix-alcanca-42-do-e-commerce-parcelamento-cresce-no-exterior-diz-pesquisa-da-global-payments.shtml)), and credit cards for 40%, driven by instalments and rewards programmes. The same report forecasts that account-to-account methods such as Pix reach 44% of Brazilian e-commerce by 2030, a different measure from the 42% value share of Pix alone. ![Payment shares in Brazil, from the Global Payments Report 2026 as reported by Folha de S.Paulo.](https://cdn.unlimit.com/wp-content/uploads/2026/10/29165544/picpay-business-image-1.webp)*Payment shares in Brazil, from the Global Payments Report 2026 as reported by Folha de S.Paulo.* Card transactions in Brazil moved BRL 4.5 trillion in 2025, growth of 10.1% over 2024, and the credit card had the largest increase, 14.5%, to BRL 3.1 trillion ([Abecs card-industry results reported by Mercado&Consumo](https://mercadoeconsumo.com.br/11/02/2026/meios-de-pagamento/setor-de-cartoes-movimenta-r-45-trilhoes-em-2025-alta-de-101-ante-2024/)). The Global Payments Report 2026 shows digital wallets in Brazil below the global average share of e-commerce payments. PicPay is therefore one option beside Pix and cards, offered for the customers who hold a PicPay account. A provider can bundle these methods: Unlimit’s [Brazil coverage page](https://www.unlimit.com/coverage/latam/brazil/) lists Pix, Mercado Pago and PayPal alongside PicPay. ## How PicPay works A payment with PicPay runs in three moves: the customer pays from a PicPay account by scanning a QR code or by being redirected into the PicPay app, the store learns the status, and PicPay pays the merchant on a schedule that depends on the product. ### The customer flow, step by step A PicPay wallet payment takes four events on the customer’s side: - The customer chooses PicPay at the checkout of a partner online store. - A store integrated through QR code shows a QR code on its site; a store integrated through its own app redirects the customer to the PicPay app. EBANX, one provider that offers PicPay, redirects the customer to the PicPay app, where the customer authorises the payment directly ([EBANX’s PicPay integration guide](https://docs.ebanx.com/docs/pay-in/processing/payment-methods/country-specific/brazil/picpay)). - For a QR code payment, the customer scans the code with the PicPay app; for an app integration, the customer arrives in the PicPay app through the redirect. - The customer confirms the PicPay payment in the app, with no physical card needed. ![How a PicPay wallet payment moves from the customer to the store, from PicPay's help centre.](https://cdn.unlimit.com/wp-content/uploads/2026/10/29165550/picpay-business-image-2.webp)*How a PicPay wallet payment moves from the customer to the store, from PicPay’s help centre.* ### What happens on the merchant side On the merchant side, PicPay reports each payment to the store’s systems, and the money follows on a schedule set by the product. PicPay’s checkout API sends webhook updates on payments, cancellations and expiration for the Pix charges it creates ([PicPay Pix API documentation](https://developers-business.picpay.com/checkout/en/docs/features/pix)), and a status search lets the retailer reconcile. Keep each order pending until its payment is reported as paid. A business that takes PicPay through Unlimit gets a real-time callback per payment, and PicPay conditions are discussed during onboarding ([payment link guide](https://integration.unlimit.com/doc-guides/vejut2c18ng0y-p-payment-link)). ### Receipt times Confirmation and receipt are two separate events. PicPay pays a Pix payment taken by payment link into the registered account immediately ([PicPay help centre on payment link receipt times](https://meajuda.picpay.com/hc/pt-br/articles/43845143628179-Quais-s%C3%A3o-os-prazos-de-recebimento-do-link-de-pagamento-no-PicPay)). A payment with PicPay balance arrives after 1, 14 or 31 days, as the merchant chooses, and a credit card payment in one payment is released after 31 days. Instalments arrive every 31 days each, or the merchant anticipates all of them within 31 days for an additional fee. Receipt times for PicPay’s e-commerce checkout are set in the agreement with PicPay, and reversal timelines for unconfirmed payments are not published. Reconcile each payment by its charge reference and order ID, so a late notification or a cancellation lands on the right order. EBANX sends a notification whenever a PicPay payment status changes, from pending to confirmed, or to cancelled when the customer does not pay in time ([EBANX’s PicPay guide](https://docs.ebanx.com/docs/pay-in/processing/payment-methods/country-specific/brazil/picpay)). ## Ways to accept PicPay: QR code, payment link, checkout and card machine A business accepts PicPay through the products of its PicPay Empresas account or through PicPay’s checkout, and picks the mode that matches how it sells. ### Online checkout and wallet integration PicPay’s [checkout documentation](https://developers-business.picpay.com/checkout) lists Pix and the card brands Mastercard, Visa, Elo, Amex and Hipercard as the supported online payment methods. The documentation covers a standard checkout and a lightbox, plus a transparent checkout for a merchant that wants an integrated, customised payment experience. The [PicPay Venda Online page](https://picpay.com/pt-br/pj/venda-online) describes a wallet integration that lets a merchant accept credit cards, PicPay and Pix payments in its e-commerce. PicPay’s checkout API generates, for each Pix charge, a QR code the consumer reads, or the Pix Copy and Paste option. PicPay Empresas receives a business’s Pix sales instantly. For remote sales, a payment link lets a business sell by credit card, Pix and PicPay wallet through PicPay’s integrated checkout ([PicPay payment link documentation](https://developers-business.picpay.com/payment-link)). Antom offers PicPay one-time payments through an API-only integration, with a QR code on the web and a redirect to the PicPay app on mobile ([Antom’s PicPay integration page](https://docs.antom.com/ac/antomop/picpay)). In person, PicPay Tap pays sales automatically 1 business day after approval into the merchant’s PicPay account ([PicPay help centre on PicPay Tap](https://meajuda.picpay.com/hc/pt-br/articles/51504498479123-Quais-s%C3%A3o-as-taxas-prazos-de-recebimento-e-op%C3%A7%C3%B5es-de-parcelamento-do-PicPay-Tap)), and the merchant can offer customers instalments of up to 18. On receivables anticipation, same-day receipt applies to orders approved by 15h on business days; after that, receipt is in 1 business day. ## Benefits of accepting PicPay PicPay gives a business three benefits, each with a limit to plan around: - Instant Pix receipts: PicPay Empresas receives Pix payments instantly, while payments with PicPay balance or credit card follow the longer payment link receipt times. - Several acceptance modes in one setup: a payment link takes credit card, Pix and PicPay wallet. - Instalments for the customer: PicPay Tap offers up to 18, and the instalment interest generally falls on the buyer, unless the merchant absorbs it. Start accepting payments in Brazil and globally with one integration [Talk to sales](https://www.unlimit.com/contacts/) ## Limitations to plan for before you accept PicPay Three things shape PicPay operations: how money goes back and how disputes run, where the amount limits sit, and the rules of the PicPay Empresas account. ### Refunds, cancellations and disputes PicPay’s checkout lets the merchant cancel a payment in full or in part, even after it happened, by a cancellation request or in Painel Negócios ([PicPay cancellation documentation](https://developers-business.picpay.com/checkout/docs/features/total_and_parcial_cancelation)). For Pix, the checkout API has a refund or cancellation function for total or partial cancellation. The [PicPay Pix refund documentation](https://developers-business.picpay.com/pix/docs/api/charge-refund/) rejects a refund when no amount is left or it was already refunded, and lists CHARGEBACK, REFUNDED and PARTIAL as possible Pix charge statuses. ### Pix disputes (MED) Pix disputes run through the Central Bank’s Pix special refund mechanism (MED). Since 1 September 2026, the Central Bank has extended the period to contest a refund made through MED from 30 to 80 days ([Gazeta do Povo](https://www.gazetadopovo.com.br/economia/nova-regra-pix-prazo-para-contestacao-sobe-para-80-dias/)). The mechanism does not apply to a change of mind about a purchase or a simple commercial disagreement. MED 2.0 traces funds beyond the first account that received them and blocks transfers and withdrawals on the accounts involved, and all financial institutions must join it ([Procon-SP](https://www.procon.sp.gov.br/procon-sp-orienta-sobre-as-novas-regras-do-pix/)). Lawyer Fabio de Almeida Braga of Demarest Advogados, writing in [Migalhas](https://www.migalhas.com.br/depeso/461637/a-rede-de-seguranca-do-pix-na-era-do-med-2-0-responsabilidade), limits MED 2.0 to cases of fraud and systemic failures, because it “does not turn every contested transaction into an invalid one”. He reads the block as conservatory, seeking to preserve funds during the investigation, while a transfer to the victim presupposes a higher degree of characterisation of the fraud and the fulfilment of the applicable regulatory requirements. Card chargeback timelines are not published by PicPay, so the chargeback process, its defence deadline, refund timing and any fee on a refund are terms of the contract with PicPay. Keep the order ID on every refund, so payments and refunds reconcile. Among PSPs, Unlimit takes PicPay QR (payment method PICPAY) in BRL on the payment page or gateway, with refunds and recurring payments ([Card methods integration guide](https://integration.unlimit.com/doc-guides/ci8k5zm86k3ny-card-methods)). Antom, another provider, supports full and partial PicPay refunds within 300 days ([Antom’s PicPay refund terms](https://docs.antom.com/ac/antomop/picpay)). ### Amount limits for Pix and cards Limits on a PicPay sale come from three places: the Central Bank, PicPay and the customer’s card issuer. For Pix purchases or transfers to a business recipient, the Central Bank leaves the daily limit to each institution ([Central Bank’s Pix limits page](https://www.bcb.gov.br/meubc/faqs/p/limites-de-valor-para-as-transacoes-pix)). The night limit of BRL 1,000 between 20h and 6h, unless the user expressly requests otherwise, applies to Pix to an individual recipient, not to a business. PicPay sets a daily value limit on sending Pix but no cap on the number of sends per day, and gives a legal entity a single limit, with no difference between day and night ([PicPay help centre on Pix limits](https://meajuda.picpay.com/hc/pt-br/articles/360058187372-Qual-o-limite-di%C3%A1rio-para-enviar-Pix-no-PicPay)). For cards, PicPay Tap sets no per-transaction value limit, though the issuing bank of the customer’s card may have its own. Any limit PicPay Empresas applies to receiving Pix, or to a wallet payment at checkout, is set with PicPay, and an order above a limit needs a second payment method at checkout. EBANX lists PicPay payments from BRL 0.50 up to USD 10,000 per ID per month or per transaction ([EBANX’s digital wallets page](https://www.ebanx.com/en/instant-payments/digital-wallets/)). ### Account rules in PicPay Empresas PicPay’s business account ties a merchant to its declared activities: the [PicPay Empresas terms](https://cdn.picpay.com/apps/webviews/termos-uso-pj.html) bar a merchant from carrying out transactions in segments or activities different from those declared at registration. Declare every product the business will sell when it registers, and read the terms again before adding a new line of business. The documents for the account opening, and eligibility for business types other than an MEI or a company with a CNPJ, are settled with PicPay. A company incorporated outside Brazil that takes PicPay through Unlimit discusses entity and document requirements during onboarding ([Brazil coverage page](https://www.unlimit.com/coverage/latam/brazil/)). ## What PicPay costs a business PicPay fees on a wallet sale fall on the merchant: for PicPay Ecommerce Carteira, the transaction fee is charged to the merchant, not the buyer ([PicPay help centre on fees and instalments](https://meajuda.picpay.com/hc/pt-br/articles/51949081995283-Como-s%C3%A3o-as-taxas-e-o-parcelamento-dos-pagamentos-com-PicPay-Ecommerce-Carteira)). Instalment interest generally falls on the buyer, and some merchants absorb it to offer instalments without extra cost. PicPay advertises card machine rates from 0.74%, personalised according to the business’s revenue, and charges BRL 49.90 a month in equipment rental when a machine processes less than BRL 5,000 in debit and credit sales that month ([PicPay Maquininha](https://picpay.com/pt-br/pj/picpay-maquininha), checked 29 October 2026). PicPay Empresas receives Pix payments without extra fees ([PicPay Empresas](https://picpay.com/pt-br/pj)), and PicPay Tap has no joining or monthly fee. PicPay Empresas fees on boletos come only after the sale: a business can issue as many boletos as it wants at no cost and pays the fee only after receiving payment. PicPay publishes no rate for the e-commerce checkout or the payment link: its [PJ terms of use](https://cdn.picpay.com/apps/webviews/termos-uso-pj.html) point to the fee table in the PicPay Empresas app, so the cost of those products is best read as a structure. Take a credit card order in instalments: the merchant pays the transaction fee, the buyer pays the instalment interest unless the merchant absorbs it, and the merchant receives the payments instalment by instalment, or pays an additional fee to anticipate all of them. Each rate in that chain is a separate line in the contract with PicPay. A business that takes PicPay through a payment provider such as EBANX or dLocal also pays that provider’s fees, and each provider sets its own rates. ## PicPay vs Pix and credit cards PicPay works alongside Pix and cards rather than instead of them: Brazilian cards alone ran 48.1 billion transactions in 2025, up 5.4% ([Mercado&Consumo](https://mercadoeconsumo.com.br/11/02/2026/meios-de-pagamento/setor-de-cartoes-movimenta-r-45-trilhoes-em-2025-alta-de-101-ante-2024/)). PicPay vs Pix and credit cards | Attribute | PicPay balance | Pix | Credit card | |---|---|---|---| | Receipt on a PicPay payment link | 1, 14 or 31 days, chosen by the merchant | Immediately | 31 days for a payment in one payment | | Refund route | Merchant cancels in full or in part, by API request or in Painel Negócios; Unlimit supports PicPay QR refunds | Refund or cancellation function in the checkout API, in full or in part | Merchant cancels in full or in part through PicPay’s checkout | | Disputes | None published | Central Bank’s special refund mechanism, 80 days to contest a refund | None published | | Recurring payments | None published; EBANX lists PicPay recurring payments as not supported (EBANX’s digital wallets page) | None published | None published | | Share of Brazilian e-commerce, 2025 | Digital wallets below the global average | 42% of value | 40% | ## How to accept PicPay: a business checklist Accepting PicPay takes six steps, with or without a payment provider: - Choose the route: open a PicPay Empresas account, or use a payment provider that offers PicPay. Unlimit lists PicPay among digital wallets on its Brazil coverage page. - Open an account in the PicPay Empresas app: download it, choose “Abrir conta PJ”, fill in the company’s data and follow the instructions ([PicPay help centre on the PJ account](https://meajuda.picpay.com/hc/pt-br/articles/42718651627923-O-que-%C3%A9-a-conta-PJ-do-PicPay-Empresas)). - Declare at registration every activity the business will sell. - Choose the integration mode: checkout, payment link, wallet integration or card machine. - Connect payment status notifications to the order system and keep orders pending until paid. - Confirm the receipt times, the refund route and each fee line with PicPay in the contract, test paid, expired, cancelled and refunded payments end to end, then switch on live payments. ## How Unlimit supports PicPay in Brazil Unlimit carries PicPay as a digital wallet for Brazil ([Brazil coverage page](https://www.unlimit.com/coverage/latam/brazil/)). It announced on 21 October 2025 that it received a Payment Institution licence from the Central Bank of Brazil ([press release](https://www.unlimit.com/blog/press-release/unlimit-obtains-payment-institution-license-marking-a-new-milestone-in-its-growth-in-the-brazilian-market/)). Businesses that prefer a provider to their own PicPay Empresas set-up can add PicPay at checkout via Unlimit, which carries PicPay among the 1,000+ local methods on [one REST API](https://www.unlimit.com/payment-processing/), alongside cards, card recurring, payouts and payment links, across 200+ locations. Stores in Brazil can also connect through its [VTEX integration](https://integration.unlimit.com/doc-guides/eljv737894wwz), which adds PicPay with refunds but no instalments or voids, or [plugins for Magento, WooCommerce, OpenCart and PrestaShop](https://integration.unlimit.com/doc-guides/ai8id5kd8liea-unlimit-woo-commerce-plugin). PicPay fees through Unlimit are quoted per business. Start accepting payments in Brazil and globally with one integration [Talk to sales](https://www.unlimit.com/contacts/) ## FAQ **Which number does a business call for PicPay support?**A business calls PicPay customer service on 0800 025 8000 and the PicPay ombudsman on 0800 025 2000, per the PicPay Empresas listing on Google Play. Add both numbers to the finance and support team’s runbook next to the account’s CNPJ, so a refund or access question can be raised without searching for contacts. **Does PicPay Tap charge a monthly fee?**PicPay Tap charges no monthly fee, activation cost or joining fee, per PicPay’s help centre: the merchant pays only a fee per transaction. That transaction rate is confirmed with PicPay rather than shown on its public pages, so compare the offer with what the business pays today. **Can a company hold more than one PicPay PJ account?**A company cannot hold more than one PicPay PJ account: each business registered under a CNPJ can create only one, per PicPay’s help centre. When a company has more than one partner, each partner must approve the account opening in the app within up to 30 days, so plan those approvals before the business needs to receive payments. **How should a business return a Pix it received by mistake?**A business should return a Pix received by mistake with the refund function in its bank app, linked to the original transaction, rather than by sending a new Pix, per Gazeta do Povo. The Central Bank says the amounts of Pix refunds do not affect Pix limits, so a return does not use up the daily limit. **Does Unlimit hold a licence in Brazil?**Unlimit announced in October 2025 that it received a Payment Institution licence from the Central Bank of Brazil. The licence lets Unlimit connect directly to the Brazilian Payments System (SPB), per its announcement, expanding its Pix infrastructure. A business that offers PicPay through a provider gets pricing quoted per business. ## Explore the category ### Payments in Brazil and other markets - [Bringing payments to Brazil](https://www.unlimit.com/blog/payments/bringing-payments-to-brazil/) - [Best payment gateways in Brazil](https://www.unlimit.com/blog/payments/best-payment-gateways-in-brazil/) - [Payment methods in Mexico](https://www.unlimit.com/blog/payments/blog-payment-methods-in-mexico/) - [Payment methods](https://www.unlimit.com/payment-methods/) ### Other payment method guides - [Satispay for business](https://www.unlimit.com/blog/payments/satispay-for-business/) - [MobilePay for business](https://www.unlimit.com/blog/payments/mobilepay-for-business/)