About US

Founded in Vitória (ES) in 2012, PicPay is a fintech that was born to make life easier by reinventing the way people deal with money, shop and communicate. In 2015, the company was invested by the J&F group, one of the largest business conglomerates in Brazil. PicPay is a two-sided ecosystem that offers products and services to consumers and sellers to address all their needs, from day-to-day payments, financial services to investments and shopping, in a simple, easy and secure way.

Total TPV (9M25) +32% yoy
Total Revenue & Financial Income (9M25) +92% yoy
Profit for the period (9M25) +82% yoy
66 M
Total accounts (Sep/2025)
Award
Best Digital Bank by popular vote
Working at PicPay

Our Purpose

At PicPay, we believe financial services should be mobile, frictionless, and instantaneous. Our mission is to empower consumers and businesses across Brazil with innovative solutions to redefine the way people manage their daily finances. We break down the barriers to traditional financial services and are driven by a vision of a future where financial services are accessible for all. We are committed to simplifying financial transactions, fostering economic inclusion and providing the tools and resources for people to achieve their financial goals.

We believe technology is a force for positive change, and we leverage it to create a more inclusive and equitable financial ecosystem. Since our inception, we have been dedicated to making payments and banking seamless and secure for both consumers and businesses. We believe we are paving the way for the future of finance in Brazil, inspired by the transformative impact for millions of people, with a commitment to driving financial empowerment for all.

Our Purpose

Picpay's Ecosystem

Discover how our ecosystem connects you.

Consumers
Digital Wallet & Banking
  • Digital Account
  • Wallet Transactions
  • Pix
  • Bill Payments
  • Payroll Portability
  • Global Account
Financial Services
  • Cards
  • BNPL
  • Secured Loans
  • Unsecured
  • Loans
  • Insurances
  • Investments
  • Consorcios
Small and Medium Businesses
Banking & Merchant Acquiring
  • E-commerce
  • POS
  • Payment Link
  • QR Code
  • PIX
  • Prepayment of receivables
  • Cards
  • Credit
  • SMB Account
Financial Services
  • Prepayment of receivables
  • Credit Card
  • Secured and Unsecured Loans
  • Certificate of Deposits
Corporate Benefits & Salary Advances
  • Corporate Benefits
  • Salary Advances

Our Values

Ownership
Humility
Determination
Availability
Discipline
Simplicity
Sincerity

Ownership

  • We are committed to results and in charge of the sustainability of the company;
  • We are accomplished, proactive people, who go to great lengths to achieve our goals;
  • We understand the strength and value of leading by example and influencing the people around us;
  • We take responsibility for making our business thrive and take ethical actions;
  • We have the boldness and courage to take the lead, follow our convictions, and take risks;
  • We embrace challenges with dedication and focus;
  • We are creative, curious, and always think about innovating;
  • We are not happy about always doing the same thing and we never settle;
  • We are versatile and passionate about facing challenges and improving with each step;
  • We see the big picture and we are focused on improving;
  • We are absolutely committed to the spread of our culture.

Our History

Foundation
2012

Foundation

Founded in Vitória, Espírito Santo, by three entrepreneurs, PicPay was created with the purpose of simplifying how Brazilians manage their money. From the very beginning, the company set out to make financial life easier, leveraging innovation and technology to transform the payments market and expand access to financial services across the country.

Pix for Pix
2013

Pix for Pix

Before the launch of Pix, PicPay already offered instant peer-to-peer (P2P) transfers between individuals, as well as QR code payments, making money transfers and everyday transactions simpler and more accessible. This pioneering approach anticipated behaviors that would later become standard in the Brazilian market, positioning PicPay as a reference in digital payment innovation.

Joining the J&F Group
2015-2017

Joining the J&F Group

In 2015, PicPay was acquired by Banco Original. In 2017, it became a spin-off under the direct control of the J&F Group, which enabled it to accelerate growth, expand its user base, and strengthen its presence in the digital payments market

Payment Institution
2020

Payment Institution

In 2020, PicPay obtained a license from the Brazilian Central Bank to operate as a payment institution, strengthening its presence in the financial market. This milestone accelerated the platform’s growth, particularly following the launch of Pix that same year, enabling the company to rapidly expand its services and unlock new credit card use cases through the Pix rail.

Guiabolso Acquisition
2021

Guiabolso Acquisition

In 2021, PicPay acquired Guiabolso, a pioneer in Open Finance in Brazil even before the Brazilian Central Bank’s framework, expanding its services and strengthening its position as an integrated and innovative financial platform.

Financial Institution
2022

Financial Institution

In 2022, PicPay obtained a license from the Central Bank to operate as a financial institution, enabling it to lower funding costs and leverage its operations, strengthening its capacity for expansion in the digital payments market.

BX Blue Acquisition
2023

BX Blue Acquisition

In 2023, PicPay acquired BX Blue, a fintech specializing in payroll loans for public servants, retirees, and INSS pensioners, marking its entry into one of Brazil’s largest credit segments. Integrating BX Blue accelerated the offering of payroll loans through the app, diversified the product portfolio, and reinforced the company’s strategy to expand its credit operations across multiple fronts, strengthening its presence in the financial market and broadening revenue sources.

Integration of Banco Original’s retail services
2023

Integration of Banco Original’s retail services

In 2023, PicPay integrated Banco Original’s retail operations, migrating millions of accounts to its platform. This integration significantly expanded its customer base, added associated deposits and portfolios, and enabled PicPay to strengthen its presence in the retail financial services segment while Banco Original focused on corporate and agribusiness operations.

Business Acceleration and Diversification
2023 – 2025

Business Acceleration and Diversification

On top of a robust digital wallet, PicPay has accelerated the diversification of its businesses. From the end of 2023 onwards, we intensified the offering of credit products, such as credit cards and personal loans, and expanded the scope of financial services through fully digital and contextualized offerings, including investment, insurance, and banking, acceptance, and credit services for SMBs.

IPO
2026

IPO

PicPay’s IPO was completed in January, and the company is now listed on Nasdaq under the symbol PICS. This milestone connects PicPay to the global capital markets, expands our international visibility, and reinforces our commitment to innovation, strategic discipline, and long-term value creation, strengthening our mission to transform people’s relationship with money through real impact.