--- title: "PicPay Reviews, Pros and Cons - 2026 Software Advice" description: "Reviews of PicPay. Learn how real users rate this software's ease-of-use, functionality, overall quality and customer support. Talk to our advisors to see if PicPay is a good fit for you!" source_url: "https://www.softwareadvice.com/online-payment/picpay-profile/reviews/" page_type: "reviews" language: "en" --- 1 million+ businesses helped. Get advice Get Free Advice [Home](https://www.softwareadvice.com/) / [Payment Processing Software](https://www.softwareadvice.com/online-payment/) / [PicPay](https://www.softwareadvice.com/online-payment/picpay-profile/) / PicPay Reviews Software Advice offers objective insights based on verified user reviews and independent product and market research. When our advisors match you to a software provider, we may earn a referral fee. [Overview](https://www.softwareadvice.com/online-payment/picpay-profile/) Reviews [Alternatives](https://www.softwareadvice.com/online-payment/picpay-profile/alternatives/) # PicPay User Reviews ## Reviews summary - Overall rating: 4.8/5 - Total reviews: 60 ### Secondary ratings - Ease of use: 4.8/5 - Customer support: 4.3/5 - Value for money: 4.8/5 - Functionality: 4.7/5 ### Rating distribution - 5 stars: 50 reviews (83%) - 4 stars: 9 reviews (15%) - 3 stars: 1 reviews (2%) - 2 stars: 0 reviews (0%) - 1 star: 0 reviews (0%) ### Most mentioned pros - The application offers simple and accessible services, and also provides us with security. - The app very easily gives you the option of paying bills or pix using the balance you have in your wallet or using a credit card. - Ease of use, various promotions, cash back, profitable investments, available credit, and the main good reason is that you can pay any bill with a credit card ### Most mentioned cons - Too many unnecessary notifications for things we don't use - the pacpay that I didn't like when the account is crashing very annoying that when it happens - Getting in touch to order a second card is difficult. ## PicPay customer reviews Showing reviews 1-25 of 60 (page 1). ### best online bank - Overall rating: 5/5 - Reviewer: Mirian A. - Verified reviewer: Yes - Industry: Graphic Design - Company size: 2-10 employees - Product usage: Used daily for less than 2 years - Reviewed: November 2022 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Fast safe, I make fast payments, and my money pays a lot on PIC Pay is wonderful #### Cons Getting in touch to order a second card is difficult. --- ### Security with Payments and Receipts - Overall rating: 5/5 - Reviewer: Josiane A. - Verified reviewer: Yes - Industry: Retail - Company size: 2-10 employees - Product usage: Used weekly for more than 2 years - Reviewed: February 2023 - Review source details: This review was submitted organically. No incentive was offered Before using it, I had no options, I kept looking for something that suited me. After knowing Pic Pay everything changed. Right from the start I could see how easy it was, and since then I haven't stopped using it. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Great for receiving and making payments. Great choice when shopping. To transfer to my bank is easy, practical and fast. #### Cons I have nothing to complain about. For me it works really well. --- ### It's a good virtual bank, but it has its problems - Overall rating: 5/5 - Reviewer: Luciano L. - Verified reviewer: Yes - Industry: Music - Company size: Self-Employed - Product usage: Used daily for less than 2 years - Reviewed: October 2023 - Review source details: This review was submitted organically. No incentive was offered My experience with picpay is good, but the customer service is really bad #### Ratings breakdown - Ease of use: 5/5 - Customer support: 1/5 - Functionality: 5/5 #### Pros It is a virtual bank that gives you credit with a good limit #### Cons Customer service really leaves something to be desired --- ### Good online banking option - Overall rating: 5/5 - Reviewer: Nathan C. - Verified reviewer: Yes - Industry: Marketing and Advertising - Company size: 2-10 employees - Product usage: Used weekly for less than 12 months - Reviewed: August 2023 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Functionality: 5/5 #### Pros The account is created and approved using the app, it's not necessary to go anywhere physical to get it approved. #### Cons Sometimes the money transfer to a bank a account takes longer than should. --- ### I like being a reliable platform - Overall rating: 5/5 - Reviewer: MARIA Aparecida m. - Verified reviewer: Yes - Industry: Textiles - Company size: Self-Employed - Product usage: Used weekly for less than 12 months - Reviewed: September 2023 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Functionality: 5/5 #### Pros I can receive and make payments securely #### Cons 5% cashback does not reach all transactions --- ### Paying bills and getting paid with comfort and security - Overall rating: 5/5 - Reviewer: Pedro A. - Verified reviewer: Yes - Industry: Apparel & Fashion - Company size: Self-Employed - Product usage: Used weekly for less than 2 years - Reviewed: September 2022 - Review source details: This review was submitted organically. No incentive was offered So far I have nothing to complain about. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Pay and receive bills, recharge cell phone. Advantage in the digital account with CDI income and having access to other services. #### Cons Limited customer service support. No cashback on debit card purchases. --- ### Payment and credit system that helps when you need it most - Overall rating: 5/5 - Reviewer: Kaio César A. - Verified reviewer: Yes - Industry: Civil Engineering - Company size: 2-10 employees - Product usage: Used weekly for less than 2 years - Reviewed: November 2022 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. #### Ratings breakdown - Ease of use: 5/5 - Functionality: 5/5 #### Pros Ease of use, various promotions, cash back, profitable investments, available credit, and the main good reason is that you can pay any bill with a credit card #### Cons The rates are good, but they could try to reduce a little more --- ### Reliable, practical, and great method of payment - Overall rating: 5/5 - Reviewer: Axl Beringui M. - Verified reviewer: Yes - Industry: Tobacco - Company size: 10000+ employees - Product usage: Used monthly for less than 2 years - Reviewed: November 2022 - Review source details: This review was submitted organically. No incentive was offered I can make payments and transfers of values ​​quickly, it saves me from using a card for payment #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Functionality: 5/5 #### Pros an additional method of payment, the convenience of not having to use cash or any type of card #### Cons slower operation on some smartphones and malfunction on slow internet locations --- ### It is a very useful and practical software - Overall rating: 5/5 - Reviewer: Helen C. - Verified reviewer: Yes - Industry: Graphic Design - Company size: 2-10 employees - Product usage: Used monthly for less than 2 years - Reviewed: February 2023 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 4/5 - Functionality: 5/5 #### Pros The ease of using it and sending and receiving money #### Cons I see nothing that needs to change and improve in it --- ### I come to give my analysis to the PICPAY application which I use weekly - Overall rating: 4/5 - Reviewer: nilto c. - Verified reviewer: Yes - Industry: Internet - Company size: 2-10 employees - Product usage: Used weekly for free trial - Reviewed: January 2023 - Review source details: This review was submitted organically. No incentive was offered Great app for those who want ease and convenience when making payments #### Ratings breakdown - Ease of use: 4/5 - Value for money: 5/5 - Customer support: 2/5 - Functionality: 4/5 #### Pros I liked the ease of making payments and receiving money faster #### Cons Interface with a lot of unnecessary information --- ### "Banco digital" que cumpre seu papel - Overall rating: 4/5 - Reviewer: Thalia Ellen S. - Verified reviewer: Yes - Industry: Construction - Company size: 1001-5000 employees - Product usage: Used daily for more than 2 years - Reviewed: October 2023 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. No geral, eu gosto de usar o aplicativo, não tive problemas até hoje, mas não me sinto totalmente segura ou informada ao usá-lo. #### Ratings breakdown - Ease of use: 4/5 - Functionality: 4/5 #### Pros Utilizo o PicPay principalmente como uma forma de "investimento" para reservas de dinheiro. Nesse cenário, o que mais gosto é a maior rentabilidade, por mais tempo, que ele oferece, em comparação a outros bancos digitais. Também tem muitas formas de pagamentos, transações e afins. #### Cons Não gosto tanto do layout do aplicativo, não é muito intuitivo (com muita poluição visual) e é difícil consultar algumas informações, principalmente de forma mais detalhada, por vezes nem existe tais informações disponíveis (o que passa uma sensação de insegurança). --- ### Arkon-PicPay - Overall rating: 5/5 - Reviewer: maykon D. - Verified reviewer: Yes - Industry: Construction - Company size: 2-10 employees - Product usage: Used daily for less than 2 years - Reviewed: February 2023 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. No geral é muito bom utilizo diariamente para realizar pagamentos e receber pagamentos, facilitando muito a maneira de lidar com dinheiro no dia a dia. #### Ratings breakdown - Ease of use: 4/5 - Value for money: 5/5 - Customer support: 3/5 - Functionality: 5/5 #### Pros O que mais me chamou atenção foi a facilidade de encontrar amigos para poder fazer pagamentos ou até mesmo realizar uma cobrança de maneira fácil, outra função muito boa é que pode divir uma conta com uma amigo. #### Cons O que nenos gostei foi as altas taxas de juros quando, vou fazer um pagamento de boleto com cartão de crédito, poderia trazer taxas mais atrativas para os usuários. --- ### Avaliação picpay - Overall rating: 5/5 - Reviewer: Felipe D. - Verified reviewer: Yes - Industry: Accounting - Company size: 2-10 employees - Product usage: Used daily for less than 2 years - Reviewed: July 2023 - Review source details: This review was submitted organically. No incentive was offered Experiência ótima, recomendo o aplicativo. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros É um aplicativo seguro e rápido, pago contas e tenho controle das minhas contas em dia. #### Cons Não há nenhum fator que impacte negativamente em meu uso. --- ### Facilidade no uso e pagamentos e transferências rápidas. - Overall rating: 5/5 - Reviewer: Paola B. - Verified reviewer: Yes - Industry: Consumer Services - Company size: 11-50 employees - Product usage: Used weekly for more than 2 years - Reviewed: July 2023 - Review source details: This review was submitted organically. No incentive was offered Minha experiência no momento, é de satisfação de utilizar uma ferramenta com tanta facilidade no uso de pagamentos e transferências rápidas. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros O que mais gostei nessa ferramenta é a facilidade no uso e pagamentos e transferências rápidas, recarga de celular e cartão de transporte, cashback, além de integração com outras funcionalidades, também oferece a possibilidade de investir dinheiro com segurança. #### Cons No momento não tenho nenhum tipo de relato que não seja satisfatório. #### Reasons for choosing PicPay Escolhi a PicPay pela praticidade e modernidade no dia a dia e super recomendo. --- ### Excelente - Overall rating: 5/5 - Reviewer: Monica de moraes E. - Verified reviewer: Yes - Industry: Design - Company size: Self-Employed - Product usage: Used weekly for more than 2 years - Reviewed: July 2023 - Review source details: This review was submitted organically. No incentive was offered O app picpay tem me ajudado muito em gerar boleto para os clientes .A transferir por contato .A fazer pix usando o cartao de crédito. Tem sido tudo muito pratico,organizado excelente. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Tudo no picpay é interessante Gosto da praticidade que o aplicativo temAs funções de investimento e da rentalidade que fornece do pix do cartao de crédito. #### Cons A taxa do pix do cartao de crédito porém não é muito vantajoso. --- ### pagamentos com picpay - Overall rating: 5/5 - Reviewer: luciane q. - Industry: Primary/ Secondary Education - Company size: 10000+ employees - Product usage: Used monthly for more than 2 years - Reviewed: January 2023 - Review source details: This review was submitted organically. No incentive was offered #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros por ser possivel pagar um boleto com cartao de credito, e sendo possivel parcelar, acho o app extremamente util, seguro e rapido. ajuda manter os pagamentos em dia, com taxa bem baixa. Facil de usar, intuitivo, e bem claro, recomendo. #### Cons Acredito que o tempo de confirmacao de pagamento do boleto ainda e um pouco extenso. Um tempo mais curto de confirmacao deixaria o app ainda mais atrativo. --- ### Recebo do cartão na hora! - Overall rating: 4/5 - Reviewer: Alan Smyth S. - Verified reviewer: Yes - Industry: Photography - Company size: Self-Employed - Product usage: Used weekly for less than 2 years - Reviewed: December 2022 - Review source details: This review was submitted organically. No incentive was offered Sempre recebo as notificações que preciso e consigo ver antes o valor das parcelas pra informar meu cliente logo o que ele vai pagar, isso ajuda muito no fechamento de trabalhos. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 4/5 - Functionality: 4/5 #### Pros A possibilidade de dividir em 12x no cartão pros meus clientes por um taxa pequena para mim e meus clintes e receber na hora. E o fato do dinheiro render em CDB diariamente em minha conta. #### Cons As vezes meus clientes tem dificuldades de cadastrar o cartão no aplicativo o que gera uma péssima experiência pra eles e pra mim. --- ### Avaliando o pic pay - Overall rating: 5/5 - Reviewer: Michael A. - Verified reviewer: Yes - Industry: Alternative Medicine - Company size: 2-10 employees - Product usage: Used daily for free trial - Reviewed: September 2023 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. O aplicativo tem me ajudado bastante no dia a dia, é uma excelente ferramenta. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Gosto muito do aplicativo pois ele me permite pagar contas sem sair do escritório, e tudo com muita agilidade e segurança. #### Cons Se as taxas para pagtos com o cartão fossem menores seria perfeito. --- ### Se procura praticidade e eficácia, este é o lugar! - Overall rating: 5/5 - Reviewer: Wallacy A. - Verified reviewer: Yes - Industry: Industrial Automation - Company size: 2-10 employees - Product usage: Used daily for less than 6 months - Reviewed: September 2022 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. Utilizo para pagamentos e recebimentos com clientes e fornecedores. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Uso simples e rápido, layout bem moderno e autoexplicativo, velocidade nas transações. #### Cons Acho que uma maior liberdade de integração com sistemas de negócios, seria um ótimo diferencial. --- ### Avaliação do aplicativo picpay - Overall rating: 5/5 - Reviewer: Jordano M. - Verified reviewer: Yes - Industry: Telecommunications - Company size: Self-Employed - Product usage: Used monthly for less than 2 years - Reviewed: January 2023 - Review source details: This review was submitted organically. No incentive was offered Um aplicativo muito útil e ótimo para nossa empresa . Carteira digital com rendimentos no 100% no CDI #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 4/5 - Functionality: 4/5 #### Pros Facilidade e agilidade em pagamento digitais #### Cons O menos interessante e o tempo de espera na transferência de dinheiro para meu banco --- ### PicPayavaliação - Overall rating: 5/5 - Reviewer: Luiz B. - Verified reviewer: Yes - Industry: Consumer Services - Company size: Self-Employed - Product usage: Used daily for less than 6 months - Reviewed: February 2025 - Review source details: This review was submitted organically. No incentive was offered seu dinheiro rende diariamente, interface de fácil uso, muito seguro, informações criptografadas #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros facil de usar e as mensagens sobre as operações realizadas sao muito uteis #### Cons nada contra, somente avaliações favoráveis, muito seguro --- ### Easy and practical to use. - Overall rating: 5/5 - Reviewer: Janaina g. - Verified reviewer: Yes - Industry: Accounting - Company size: 2-10 employees - Product usage: Used weekly for less than 2 years - Reviewed: December 2024 - Review source details: This review was submitted organically. No incentive was offered My experience is great, as he meets my needs. I can say that it really is an application that was created to improve bank account problems. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros The application offers simple and accessible services, and also provides us with security. Its functions allow us to have good advantages. #### Cons When it comes to transfers, sometimes it takes a while for this to happen. --- ### Reliable and practical software - Overall rating: 4/5 - Reviewer: Elisa M. - Verified reviewer: Yes - Industry: Computer Software - Company size: 51-200 employees - Product usage: Used daily for more than 2 years - Reviewed: December 2022 - Review source details: This review was submitted organically. No incentive was offered In general, the software serves its users very well in terms of reliability and speed in financial transactions. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 4/5 #### Pros The zero cost of the software helped with the choice, with the financial return being at a very good rate.Cash back promotions are another attraction. #### Cons Withdrawals are only at ATMs 24 hours and support is very limited despite the fact that the service has a quick response. #### Reasons for switching to PicPay picpay offers more cash back promotions and return on expenses and transactions made within the software. --- ### O mais fácil de manusear - Overall rating: 5/5 - Reviewer: Jardel L. - Verified reviewer: Yes - Industry: Graphic Design - Company size: Self-Employed - Product usage: Used daily for less than 2 years - Reviewed: October 2024 - Review source details: This review was submitted organically. No incentive was offered Ótima, muito boa mesmo, tive facilidade em faze a conta e administrar ela. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Facilidade de fazer transações bancarias #### Cons Que quando atualiza fica chatinho mais depois resolve --- ### Avaliação Pic Pay - Overall rating: 5/5 - Reviewer: Matheus D. - Verified reviewer: Yes - Industry: Facilities Services - Company size: 11-50 employees - Product usage: Used daily for less than 2 years - Reviewed: July 2023 - Review source details: This reviewer was invited by us to submit an honest review and offered a nominal incentive as a thank you. No geral tem sido uma experiência muito boa, tem me ajudado a otimizar e organizar minhas finanças. #### Ratings breakdown - Ease of use: 5/5 - Value for money: 5/5 - Customer support: 5/5 - Functionality: 5/5 #### Pros Dentre toda a praticidade que o PicPay proporciona o que mais gosto é da ferramenta contas em dia, e a possibilidade de utilizar o cartão de crédito para realizar pagamentos. #### Cons Não há nada que me desagrade no aplicativo. #### Reasons for switching to PicPay Otimização. ## More reviews [Next reviews](https://www.softwareadvice.com/online-payment/picpay-profile/reviews/?page=2) --- PicPay Reviews, Pros and Cons - 2026 Software Advice