PicPay Tech Stack

Digital bank in Brazil offering payments, credit, and merchant solutions

Financial Services São Paulo, São Paulo 1,001–5,000 employees Founded 2012 Privately Held

PicPay is a leading Brazilian digital bank operating at scale: 41.3 million active customers, R$ 251.3 billion in transaction volume (H1 2025), and a credit portfolio of R$ 16 billion. The tech stack reflects a mature, mission-critical system—AWS, Kubernetes, Terraform, Kafka, MySQL, MongoDB, and a security-first infrastructure (Cisco, Palo Alto Networks, Fortinet)—built to handle fraud prevention and high-transaction-volume processing. Engineering-heavy hiring (87 roles) with a strong data (28) and product (35) focus signals aggressive investment in risk modeling, ML platforms, and credit policy automation to balance growth with credit-risk management.

Tech Stack 162 technologies

Core StackAWS Kubernetes Terraform Linux Docker Palo Alto Networks Fortinet Windows Server PHP Laravel MySQL MongoDB RabbitMQ Kafka Python PySpark CI/CD OCI Cisco ASA Cisco ACI Cisco IOS F5 Wireshark Nagios SolarWinds Swoole Git AWS Elastic Beanstalk SQL R+131 more

AdoptingHyperf

What PicPay Is Building

◆Challenges

Fraud prevention
Balancing credit growth with risk management
Improving approval rates
Ensuring high availability
Analyzing large volumes of data
Fraud risk monitoring
High transaction volume
Optimizing profitability
Removing impediments beyond team reach
Ensuring business profitability

▲Active Projects

Designing a/b experiments
Risk monitoring for new product launches
Alternative data clustering
Credit policy development
Process automation and optimization
Risk detection strategy development
High availability and replication strategy implementation
Development of profitability calculators for consumer credit products
Credit policy modeling
Ml platform

Hiring Activity

Accelerating240 roles · 110 in 30d

Department

Engineering

Product

Finance

Data

Security

Marketing

Support

Seniority

Senior

124

Mid

Junior

Manager

Lead

Staff

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About PicPay

PicPay, founded in 2012 and headquartered in São Paulo, is one of Brazil's largest digital banks by customer count (7th largest bank nationally by Bacen). The company serves two distinct segments: individuals (offering credit, investments, insurance, and cards) and entrepreneurs (payment terminals, business credit lines, and integrated PJ accounts). The platform generated R$ 4.5 billion in net revenue and R$ 208.4 million in net profit in the first half of 2025. PicPay was an early mover in instant peer-to-peer transfers and QR Code adoption (predating Brazil's Pix initiative). The company operates 1,001–5,000 employees across engineering, product, finance, data, and security functions, with active hiring in Brazil and Spain.

HeadquartersSão Paulo, São Paulo

Company Size1,001–5,000 employees

Founded2012

Hiring MarketsBrazil, Spain

Frequently Asked Questions

What is PicPay's tech stack?

PicPay uses AWS, Kubernetes, Terraform, Kafka, MySQL, MongoDB, Laravel (PHP), Python, and R for core platform services. Infrastructure security is handled by Cisco ASA/ACI, Palo Alto Networks, and Fortinet. Monitoring relies on Nagios and SolarWinds.