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Subaccreditation

Introduction​

If you are integrating your subaccreditation operation with PicPay, welcome to our ecosystem. We are ready to boost your growth with technology, scale, and security. Here, we offer a robust and modern platform, prepared to support high-volume operations and enable you to deliver complete payment solutions to your customers. We act as an acquirer, providing the necessary infrastructure for subaccreditors to operate with agility, stability, and full compliance with market requirements. Our role is to ensure that every transaction occurs with security, fluidity, and visibility - so you can focus on expanding your operation with confidence.

Responsibilities and obligations​

To act as a subaccreditor with PicPay Acquirer, it is necessary to meet the following requirements:

  1. Contract with PicPay Acquirer A formal EC (Commercial Establishment) acceptance contract with PicPay is required, authorizing the operation as a subaccreditor.
  2. Adherence to Payment Scheme Rules Full compliance with the rules and guidelines established by the card schemes and brands.
  3. Terminal Certification Certification of transaction capture terminals according to the technical requirements of the schemes and PicPay - MTIP and ADVT certifications.
  4. KYC Define and follow best practices to know your customer and comply with compliance rules.
  5. Centralized Settlement Service (SLC) Mandatory when the accumulated transaction value in the last 12 months exceeds R$50 million - as determined by the rules of the Brazilian Payment System (SPB) and regulatory entities.
  6. MCC Registration with PicPay It is mandatory for the subaccreditor to register and keep updated the MCCs of all its sub-establishments with PicPay, according to the ABECS database.
  7. Compliance Policies Be in compliance with the regulatory and internal compliance requirements defined by PicPay and regulatory institutions.
  8. Brand Registration It is essential to be registered with the brands to enable the traffic of your subaccreditor ID (Payment Facilitator ID) in the authorized network messaging.
  9. Penalties Misuse of MCC, chargeback volume, retry volume, and/or authorization volume violations will be passed on to the subaccreditor.

Commercial benefits​

By integrating with PicPay as a subaccreditor, you benefit from a solid and strategic structure to scale your operation:

  • Rate customization

    1. MCC by product;
    2. MCC by establishment.

  • Installment customization According to the subaccreditor's profile and strategy:

    1. from 2 to 6;
    2. from 7 to 12;
    3. from 13 to 18.

  • Privacy over EC base

    1. Not required to share the EC base
    2. Only the eleven additional mandatory fields

  • Lower entry barrier Direct integration with the Digital World.

  • Wide card acceptance, with the main brands in the market.

  • Fast and secure settlement, with full visibility over transfers.

  • Scalable infrastructure, prepared for large volumes and continuous growth.

  • Reduced operational costs, with end-to-end integrated solutions.

  • Specialized support, with dedicated technical and commercial assistance.

  • Guaranteed compliance, aligned with major regulators and brands.

Accepted brands​

Through PicPay, your operation can process transactions with the main brands in the market:

  • Visa
  • Mastercard
  • Elo With this coverage, you provide your customers with a complete card acceptance experience - with confidence and high performance.

Features and Payment Methods​

To ensure transparency and help you better understand the scope of our services, we provide an overview of the available features:

  • Credit at Sight
  • Installment Credit - Interest-Free
  • Cancellation - Partial and Total
  • EDI via email and SFTP
  • Receivables Anticipation
  • Access to the Merchant Panel
  • Access to the Business App
  • Chargeback via email, Merchant Portal, and API
  • 3DS Authentication
  • Late confirmation
  • Payment link
  • E-commerce API

Concepts​

What is a subaccreditor?​

The subaccreditor, also known as a payment facilitator, is a company that acts as an intermediary between merchants and the acquirer. It is responsible for accrediting establishments, integrating payment solutions, managing risk, and providing commercial and technical support - always using the acquirer's infrastructure to process transactions with the brands. While PicPay ensures processing, settlement, and regulatory compliance, the subaccreditor delivers the merchant experience, such as POS devices, gateways, management platforms, and support. This model allows:

  • Agility in merchant activation
  • Flexible and customized solutions
  • Close relationship with the end customer
  • Scalable growth with innovation and operational control In practice, the subaccreditor builds the experience - and PicPay ensures everything works behind the scenes, with confidence, security, and stability.

PicPay Help Center​

If you are starting this journey with PicPay, count on our team and structure to ensure a solid integration and sustainable growth. We are here to support your operation at every step. For questions, technical guidance, or operational support, our email support channel is available 24/7, from Monday to Sunday.

Contact us:

relacionamento-negocios@picpay.com