Qitero Qitero

MODO

Country: Argentina (AR)  |  Payment Rail: real_time_payment

DigitalWallet Market Adoption: 65%

MODO is the premier interbank mobile wallet in Argentina backed by over 35 leading commercial banks, featuring direct account linkages, dynamic QR payments, and bank promotional discounts widely used for online shopping, retail POS, and peer-to-peer transfers.

🔄 User Payment Flow

  1. Customer selects MODO at checkout
  2. Checkout displays MODO QR code or initiates deep-link into bank app
  3. Customer opens MODO app or participating mobile banking app (Santander, BBVA, Galicia, Macro, Nación)
  4. Customer selects debit/credit card or bank balance and confirms instant payment

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant integrates MODO API or gateway (Prisma / Payway / dLocal / Kushki)
  • Gateway generates MODO payment token and dynamic QR payload
  • Gateway receives clearing confirmation and updates order status with bank discount reconciliation

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 dLocal🔌 Kushki