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Yes, it's exactly what you read: Find out How to pay in installments for a Pix already made quickly and without complications, find out everything below.
You made a Pix, the money left your account, but then you realized that the value tightened the budget?
Or do you regret not having paid in installments sooner?
So take a deep breath, because now the PicPay has an amazing feature that can save you in these moments.
After all, yes — it is possible pay in installments with Pix even after making the payment.
And the best part: everything is done through the app itself, without having to call anyone, ask for a loan or wait hours for approval.
So in this complete article, you will understand How this function works, who can use it, what the costs are, and how to do the process step by step.
What is this PicPay function?
The function of pay in installments for a Pix already made is a form of credit offered by PicPay for those who need to transform a cash payment into installments on credit card.
It works as if PicPay “repurchased” the amount you already transferred, and returned it to you in exchange for an installment payment.
I.e, You receive the amount back in your PicPay wallet, and can pay this amount in up to 12 installments on your credit card..
Important: the Pix recipient is not affected.
He has already received the money normally.
This function is only between you and PicPay.
Why is this useful?
This function is useful in many everyday situations.
See some practical examples:
- You made a large Pix payment to pay off a debt, but then realized that you wouldn't be able to pay the rest of the month.
- You bought a product or service and now you need to reorganize your budget.
- You sent a Pix to a family member and want to pay in installments to soften the impact.
So by using this function you gains financial breathing space, without having to resort to loans with higher interest rates or using your credit card revolving credit.
How do I know if my Pix can be paid in installments?
Not all Pix payments made can be paid in installments.
The function is still being released gradually, and it depends on some factors, such as:
- Your credit profile on PicPay
- The value of the Pix carried out
- The time that has passed since sending
- The registered credit card and available limit
Therefore, if you made a Pix and want to pay in installments, the ideal is to check if the option appears directly in the transaction.
Step by step guide to paying in installments for a Pix payment already made on PicPay
1. Open the PicPay app
First, log into your app normally and go to the tab "Portfolio".
2. Access transaction history
Then tap on the option "Activities" or “Timeline”, where all your movements are kept.
3. Find the Pix you want to pay in installments
Scroll until you find the Pix you recently made and click on it to open the details.
4. Tap “Pay in installments for this Pix”
If the payment is eligible, the app will show a button with that option.
If it does not appear, it is possible that the amount is not available for installment payments — in this case, there is not much to do.
5. Choose the number of installments
Now, you will see a simulation with:
- Total amount to be paid
- Embedded interest
- Value of installments
- Credit card to be used
You can divide the amount into up to 12x, depending on your card limit.
6. Confirm the operation
Finally, review everything and click “Confirm installment plan”.
The amount will be returned to your PicPay wallet, as if it were a “refund”, and you can use it however you want.
How much does it cost to pay Pix in installments on PicPay?
This function It is not free.
As this is a form of credit, there is interest charged, which vary according to:
- The number of plots chosen
- Your financial profile
- The card used
In general, interest rates range between 3% to 9% per month, depending on conditions.
Therefore, the app always shows the total value of the transaction. before confirmation, so you know exactly how much you're going to pay.
So, even with interest, It might be worth it, especially when compared to using a special check or revolving credit on your credit card.
Common Questions (FAQ)
✅ Can I pay in installments for a Pix of any amount?
No.
The function usually appears for Pix above R$ 100, but there is no official minimum value.
The system analyzes each case individually.
✅ Does the recipient know that I paid in installments?
No.
The Pix you sent has already been completed.
This installment transaction takes place only between you and PicPay.
✅ Can I use another card that is not registered?
Yes, as long as you register the new card before finalizing the operation.
The system will show the cards available for selection.
✅ What if I don't pay the invoice later?
The debt is paid as a common credit card installment.
If you don't pay, you'll be charged interest, fines and have your credit rating negatively impacted — just like any late payment on a credit card.
✅ Can I pay in installments for a Pix payment made a few days ago?
Generally, yes.
PicPay usually allows installments up to a few days after the transaction, but the ideal is to act quickly.
The sooner, the greater the chances of the option appearing.
Conclusion
Paying in installments using a Pix payment may seem impossible at first glance, but PicPay has proven that it can help ease your wallet until after the money has left the account.
With just a few taps, you can transform that sent value into soft installments on the card, without complications and directly through the app.
It is a practical, safe solution that can help you breathe easier financially.
So, if you made a high Pix and felt it was too much, it's worth going into the app now, checking if the option is available and simulating the installments.
It might be just what you need for organize your finances without despair.