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What PicPay Pro? See rates, how it works and if it's worth it | Productivity

PicPay Pro is a modality of the PicPay payment application aimed at professionals, freelancers and entrepreneurs. PicPay can be accessed through the app for Android and iPhone (iOS) phones, and assists in carrying out transactions between sellers and customers with the promise of low support fees. The service also offers other business solutions according to the user's objective. Check out the differences between the Pro, Business and E-commerce plans below, and understand what PicPay Pro and the fees charged by the platform.

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PicPay Pro has features for businessmen and professionals Photo: Daniel Dutra / TechTudoPicPay Pro has features for businessmen and professionals Photo: Daniel Dutra / TechTudo

PicPay Pro has features for businessmen and professionals Photo: Daniel Dutra / TechTudo

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1. What PicPay Pro? What's the difference between it and PicPay Empresas and PicPay E-commerce

PicPay Pro is a modality of the PicPay application aimed at professionals who plan to carry out transactions of values ??above R $ 800 per month. In other words, the plan allows businesses to transfer large amounts of money and receive payments through the PicPay platform, which charges fees considered low for the market.

PicPay Empresas is a modality aimed at legal entities with physical points of sale (such as stores, for example), and can be accessed from the application of the same name. PicPay E-commerce is the service for making payments in virtual stores, on websites. It is worth mentioning that, unlike PicPay Pro, both business services do not have the option of making payments, so the plans only allow you to receive money through the platform.

PicPay Empresas user can change fees depending on the time it takes to make a withdrawal Photo: Reproduo / Daniel DutraPicPay Empresas user can change fees depending on the time it takes to make a withdrawal Photo: Reproduo / Daniel Dutra

PicPay Empresas user can change fees depending on the time it takes to make a withdrawal Photo: Reproduo / Daniel Dutra

2. What are the PicPay Pro fees?

The fee consists of 1.99% of the transaction amount. There is no fee for withdrawals, nor monthly payment. According to the official website and the application itself, this is the lowest rate on the market. The user has the option of changing the fee amount if he chooses to withdraw the money at a different time. The more days the user takes to withdraw the money, the lower the fee.

Thus, according to the calculation tool available in the application and on the official website, the withdrawal made after 40 days of payment implies a fee in the amount of 1.01%. If the user chooses to withdraw the money after 80 days, no fee will be paid.

Rate of 1.99% presented as the lowest in the market Photo: Reproduo / Daniel DutraRate of 1.99% presented as the lowest in the market Photo: Reproduo / Daniel Dutra

Rate of 1.99% presented as the lowest in the market Photo: Reproduo / Daniel Dutra

3. Balance availability

Once a payment is made, the availability of the money in the immediate digital wallet. In addition, the money can be withdrawn by the user when he wishes. However, it will take some time before it is available at the financial institution to which you intend to transfer it.

PicPay has a partnership with Banco Original, which means that the transfer to that bank's accounts takes place within an hour. For other banks, the money can take up to 2 business days to be made available. It is worth remembering that, while in the balance of the digital wallet, the money yields 100% of CDI.

App allows installments whose interest can be paid by the customer or the seller Photo: Reproduo / Daniel DutraApp allows installments whose interest can be paid by the customer or the seller Photo: Reproduo / Daniel Dutra

App allows installments whose interest can be paid by the customer or the seller Photo: Reproduo / Daniel Dutra

4. Accepted payment methods

it is necessary that both parties have the PicPay application installed on the cell phone to carry out transactions. Payments through PicPay if through the established link enters the PicPay account and a credit card or through the amounts deposited in the PicPay digital wallet.

PicPay Pro allows payment in installments. The customer can pay in up to 12 installments on the card. Each installment, however, will be subject to a transaction fee. It is up to the seller to choose whether he himself will be responsible for this fee, or whether it will be transferred to the customer, who will end up paying the installments with interest. In any case, the availability of full payment to the immediate seller.

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