Skip to content

Argentina · Pay-ins & payouts

Collect and pay out in Argentina on local rails

Accept CVU transfers, QR, Debin and cards — including Naranja and Cabal — and pay out to CBU and CVU accounts in real time over COELSA, 24/7.

Contact salesArgentina API docs
  • COELSA · real-time rail
  • Currency: ARS
  • Licensed
Pay-in methods
4
Real-time, 24/7
COELSA
Local card scheme
Cabal
Licensed by
BCRA

Market snapshot

Argentina in figures

Public, dated figures from official sources. Every number links to its source.

Market overview

Transfers, QR and local card schemes in one integration

In Argentina, Localpayment collects in pesos (ARS) through CVU virtual accounts, interoperable QR, Debin debit requests and credit and debit cards, and pays out to bank accounts and CVU-based wallets. Conversion to hard currencies runs within local market hours (10:00–14:30).

  • CVU virtual accounts from ARS 1 to 10,000,000 per payment, plus an exact-amount payment-intent variant
  • Visa, Mastercard, American Express and Diners Club, plus the local Naranja and Cabal schemes
  • Real-time COELSA payouts, 24/7, from ARS 14 to 25,000,000
  • Payroll payouts through the Sistema Nacional de Pago de Haberes (T+2)
Compare all payment methods

Checkout experience

How customers pay in Argentina

Pick a payment method to watch the checkout, step by step. Screens and amounts are illustrative.

Virtual account (CVU)

  1. 1Comercio EjemploCheckout shows the account details to pay ARS 125,000.
  2. 2Banco EjemploThe payer transfers ARS 125,000 to the account shown.
  3. 3Payment confirmedYour system receives the signed webhook and releases the order.

Pay-ins

Pay-in methods in Argentina

Every documented method, with its API code, limits and how each payment is confirmed.

  • Virtual account (CVU)

    Type
    Virtual account
    Code
    1025
    Limits
    ARS 1 – 10,000,000
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    Push transfer from any bank or wallet, 24 h

  • CVU with payment intent

    Type
    Virtual account
    Code
    1060
    Limits
    ARS 1 – 10,000,000
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    Exact amount with an expiry date

  • Credit cards

    Type
    Card
    Code
    Visa 1000 · Mastercard 1001 · Amex 1006 · Naranja 1010 · Cabal 1014 · Diners Club 1016
    Limits
    Min. ARS 50
    Confirmation
    Real-time authorization
    Notes
    Local schemes Naranja and Cabal; tokenization, refunds and chargebacks

  • Debit cards

    Type
    Card
    Code
    Visa Debit 1005 · Mastercard Debit 1007 · Maestro 1020 · Cabal Debit 1021
    Limits
    ARS 50 – 10,000,000
    Confirmation
    Real-time authorization
    Notes
    —

  • QR payments

    Type
    QR
    Code
    1050
    Limits
    ARS 1 – 10,000,000
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    The payer approves the payment in their bank or wallet app

  • Debin

    Type
    Account-to-account
    Code
    1040
    Limits
    ARS 1 – 10,000,000
    Confirmation
    Asynchronous, confirmed by webhook
    Notes
    Debit request approved by the payer; expires after 2 days

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

Payouts

Payout rails in Argentina

Every documented rail, with speed, cut-off and limits.

  • Bank transfer (COELSA)

    Type
    Bank transfer
    Code
    0010
    Speed / cut-off
    Real-time, 24/7
    Limits
    ARS 14 – 25,000,000
    Notes
    To CBU and CVU accounts

  • Payroll transfer

    Type
    Bank transfer
    Code
    0011
    Speed / cut-off
    T+2, cut-off 13:00 local time
    Limits
    —
    Notes
    Sistema Nacional de Pago de Haberes

  • Wallets (CVU)

    Type
    Wallet
    Code
    —
    Speed / cut-off
    Via bank transfer
    Limits
    —
    Notes
    CVU-based digital wallets (bank code 000)

Codes are the paymentMethod.code values in the API. Limits as documented at docs.localpayment.com; final availability depends on your agreement.

License & regulation

Argentina: licensed presence

PSP Aggregator — Central Bank of Argentina (BCRA) and Financial Investigation Unit (UIF). Before go-live, every merchant completes a compliance review (due diligence or enhanced due diligence) and business verification (KYB).

  • Status: Licensed
  • Production credentials after Stage testing, a security review and KYB
  • Accepted documents: DNI, CUIL, CUIT, CDI
  • TLS 1.2+, AES-256 encryption at rest, MFA and HMAC-signed webhooks
See all licenses

For developers

Send your first payout in Argentina

Get an access token with POST /api/token/, then call POST /api/payout/ with the rail code and the ISO-3 country code. Test it in Stage first: no real money moves.

  • Country ARG · currency ARS
  • Rail: Bank transfer (COELSA) · code 0010
  • Final status by HMAC-signed webhook
Argentina guide in the docs
# Illustrative request with simplified fields — see the Argentina page at docs.localpayment.com
# ACCESS_TOKEN comes from POST /api/token/ and is valid for 5 minutes
curl -X POST https://api.stage.localpayment.com/api/payout/ \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "payout-ar-000184",
    "country": "ARG",
    "currency": "ARS",
    "amount": 125000,
    "paymentMethod": {
      "type": "BankTransfer",
      "code": "0010",
      "flow": "DIRECT"
    },
    "accountNumber": "<your-account-number>",
    "conceptCode": "0001",
    "beneficiary": {
      "type": "INDIVIDUAL",
      "name": "Lucía",
      "lastname": "Gómez",
      "document": { "type": "CUIT", "id": "20-00000000-0" },
      "bank": {
        "account": { "number": "<beneficiary-account-number>" }
      }
    }
  }'

Nearby markets

Keep expanding across the region

Same API, same Business Portal: a new market is a configuration, not a new integration.

Frequently asked questions

Which methods are available in Argentina?

Pay-ins: Virtual account (CVU), CVU with payment intent, Credit cards, Debit cards, QR payments and Debin. Payouts: Bank transfer (COELSA), Payroll transfer and Wallets (CVU). The tables above show codes, limits and speeds.

Which local card brands can I accept in Argentina?

Credit cards from Visa, Mastercard, American Express, Diners Club, Naranja and Cabal, and debit cards from Visa, Mastercard, Maestro and Cabal. They support tokenization, refunds and chargebacks; 3D Secure, installments and card subscriptions are available in Colombia, Mexico and Peru.

How fast are payouts in Argentina?

Bank transfers over COELSA are real-time, 24/7, to CBU and CVU accounts. Payroll transfers through the Sistema Nacional de Pago de Haberes settle T+2, with a 13:00 local cut-off.

What is a CVU virtual account?

A CVU is a 22-digit virtual account number. We assign one per customer, order or invoice, so every incoming transfer is matched automatically and confirmed by webhook.

How do I go live in Argentina?

Talk to sales about your flows. After the agreement and a compliance review (due diligence or enhanced due diligence), you receive Stage (sandbox) credentials to integrate without moving real money. Production credentials follow Stage testing, a security review and business verification (KYB), so you can go live in weeks.

Related products

Launch in Argentina

Get Stage (sandbox) credentials when the partnership starts and go live in weeks. Adding countries later is a configuration, not a reintegration.

Contact salesGo to our docs

How can we help?

Download your copy

Leave your details and get the full edition instantly.