Transferencias 3.0 (Pagos con Transferencia)
国家/地区: 阿根廷 (AR) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 70%
Transferencias 3.0 是阿根廷央行（BCRA）主导的国家级即时银行转账与互通扫码系统，以 CBU/CVU 账户直连、7x24 小时极速清算和全网统一 QR 码为核心优势，广泛用于线上收单结账、线下跨钱包扫码及企业间即时结算。
🔄 用户付款交互流 (User Flow)
- Customer selects Pay with Transfer (Pagos con Transferencia) at merchant checkout
- Checkout displays dynamic EMVCo standardized interoperable QR code
- Customer opens any authorized banking app or fintech wallet (MODO, Mercado Pago, Ualá, BNA+)
- Customer scans QR code, confirms CBU/CVU debit account, and authorizes instant push payment
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Mercado Pago🔌 dLocal🔌 Kushki🔌 EBANX