# PicPay

PicPay takes Pix, card and PicPay wallet balance, with the money going to your
PicPay business account.

You need an account on the **PicPay Business Panel** (Painel de Negócios).

![The PicPay card in the dashboard, with where to get each credential](shots/payments-picpay.webp)

## Where to get each credential

| Dashboard field | Where it is on PicPay |
| --- | --- |
| Client ID and Client Secret | Business Panel > **Integrations** > **Checkout API test** card > **Generate**. The Secret shows only once: keep it |
| Webhook token | Business Panel > **Settings** > **My Checkout**, when you register the notification URL the dashboard shows. It also shows only once |
| Merchant CNPJ and Transparent Token | Requested from PicPay support. Only needed for cards in Transparent mode |

> [!WARNING]
> Without the webhook token, the payment is never confirmed. Test and production
> credentials are different: pick the right **Environment** (**Testing (sandbox)**
> or **Production**) and use the credentials of that environment.

## How the player pays

In **How the player pays**, pick the mode:

- **Transparent: on your store**: the player pays without leaving the store. For
  the card to show in this mode, the CNPJ and the Transparent Token are required;
  without them, Pix and the wallet keep working.
- **Standard: on the PicPay page**: the player goes to the PicPay page and comes
  back.
- **Lightbox: window over your store**: the payment opens in a window on top of
  the store.

In **Methods offered**, pick at least one among card, PicPay wallet and Pix.

> [!NOTE]
> In Standard and Lightbox modes, PicPay builds the payment screen, and it may
> offer other methods besides the ones picked here. Your choice sets what your
> store shows before sending the player there.

## Fees

PicPay does not report the fee of each sale, so Finance always uses the table you
confirm. PicPay does not publish the Pix fee for Checkout: the field comes blank
for you to fill in. See [Gateway fees](/en/payments/fees/).