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Tarjeta Naranja (Naranja X)

Country: Argentina (AR)  |  Payment Rail: card_network

Card Market Adoption: 60%

Tarjeta Naranja is Argentina's largest proprietary domestic credit card and fintech ecosystem (Naranja X), famous for its Plan Z zero-interest installment program widely used for retail e-commerce, installment shopping, and digital subscriptions.

🔄 User Payment Flow

  1. Customer selects Tarjeta Naranja at merchant checkout
  2. Customer enters 16-digit Naranja card number, expiration date, CVV, and selects installment plan (Plan Z / Cuotas)
  3. Customer completes 3D Secure / OTP SMS authentication if prompted
  4. Transaction is authorized instantly and charged to customer account

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant payment form captures encrypted card token via gateway (dLocal / Payway / Kushki / PayU)
  • Gateway authorizes transaction with Naranja card network and applies installment interest rules
  • Gateway returns authorization code and triggers webhook for merchant order processing

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 PayU🔌 Mercado Pago🔌 dLocal🔌 Kushki🔌 EBANX