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Transferencias 3.0 (Pagos con Transferencia)

Country: Argentina (AR)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 70%

Transferencias 3.0 is Argentina's national instant bank transfer and interoperable QR payment infrastructure established by the Central Bank (BCRA), enabling 24/7 real-time clearing across bank and fintech accounts for retail and e-commerce checkout.

🔄 User Payment Flow

  1. Customer selects Pay with Transfer (Pagos con Transferencia) at merchant checkout
  2. Checkout displays dynamic EMVCo standardized interoperable QR code
  3. Customer opens any authorized banking app or fintech wallet (MODO, Mercado Pago, Ualá, BNA+)
  4. Customer scans QR code, confirms CBU/CVU debit account, and authorizes instant push payment

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls payment gateway (dLocal / Kushki / Mercado Pago / COELSA direct) to generate Transferencias 3.0 session
  • Gateway issues standardized interoperable QR payload with alias or CBU/CVU keys
  • Clearing network executes instant gross clearing and delivers webhook callback to merchant

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Mercado Pago🔌 dLocal🔌 Kushki🔌 EBANX