PicPay Empresas: Conta PJ

Name: PicPay Empresas: Conta PJ
Author: PicPay

4.57.1

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PicPay

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For MEI (Individual Microentrepreneur) and CNPJ (Company Tax ID): Pix, card machine, and payment link to your business account.

PicPay Empresas: Conta PJ, a Brazilian business account

By Hafiz Rahman

Editor, tools and utilities

Free business account for paying and receiving Pix and boletos
Boletos and Pix transfers split into up to 12 card installments
Cofrinhos PJ earning 102% of CDI, redeemable any business day
Corporate card with no issuance fee and Mastercard Surpreenda points
Maquininha card terminal with rates based on your revenue
Payment links sent to customers by DM or WhatsApp

What PicPay Empresas is for

PicPay Empresas is a business current account for companies registered with a CNPJ, offered by PicPay. The listing presents it as a single place to run a company's cash flow, from incoming and outgoing money to invoices and card sales.

It is aimed at business owners and small companies that want their bank, cards and card payments in one app. The account itself is opened free of charge, according to the listing.

Paying and charging with Pix, boletos and links

You can send Pix transfers at any time, and the listing says Pix transfers carry no fee. Boletos and Pix payments can be split into up to 12 installments on any credit card. The money reaches the recipient right away, and you pay the card bill on its due date.

To collect money, you can create a payment link in the app and send it to customers through DM or WhatsApp. Every charge you issue is shown in one panel, with separate views for open, paid and settled charges. The panel can also produce reports and show the company's financial position in real time.

Keeping idle money in Cofrinhos PJ

Cofrinhos PJ are savings pots for company money. The listing says they pay 102% of the CDI rate on every business day. Deposits can be withdrawn at any time because they have daily liquidity.

The listing describes the Cofrinho Limite do Cartão as a pot that can be used to free up credit limit on the company card. Money kept there is intended to support the card's limit.

Corporate card and rewards

You can request a business card with no issuance cost, and it can be used to manage the company's cash flow. The card earns points in the Mastercard Surpreenda program each time it is used, according to the listing.

The card links to the Cofrinho Limite do Cartão, so company savings can be used to raise the spending limit.

Accepting card sales with the Maquininha PicPay

The Maquininha PicPay card terminal accepts debit, credit and Pix payments. The listing says fees are set according to the company's revenue, and that payments are received within up to 1 business day. It also says the terminal accepts the main card flags used in Brazil.

Sales made in person through the terminal and sales made through payment links are both shown in the app. That lets the same account track sales from different channels.

About this APK

The build we hold is PicPay Empresas: Conta PJ 4.49.0 (APKS split bundle) for Android 7.0 and up.

Version: 4.49.0; 1168
Requires Android: 7.0+
Target Android: 16

Package ID: com.picpay.business
Format: APKS split bundle
Malware scan: Google Play Protect
Permissions: 33 declared · 11 sensitive; Approximate location
Camera
Microphone
Modify files on your device
Place phone calls
Precise location
Read files on your device
Read phone status and identity
Signed by: CN=PicPay Business, O=Picpay
Certificate SHA-256: 431738594223be3df2ee1b0262c32d174df033231ee2fb8f10258e7c049ed32e