Payment methods · Argentina
Debin in Argentina: collect with a debit request
Let your customers pay straight from their bank account. You create the request, they approve it, and the result reaches your system by webhook.
- Bank redirect
- Argentina
- Pay-in
Bank redirect- 09:41:02.11409:41:02PayIn100 INPROGRESS20084 ms
- 09:41:05.90209:41:05PayIn200 COMPLETED20091 ms
- 09:42:18.33009:42:18PayOut100 INPROGRESS20077 ms
- 09:42:40.01809:42:40PayOut200 COMPLETED20088 ms
- 09:43:00.55109:43:00VirtualAccount200 COMPLETED20080 ms
POST https://example-merchant.com/webhooks/localpayment
x-Signature: HMAC-SHA256 3f9a1c0e…b47e2b
{ "transactionType": "PayIn", "transactionFlow": "DIRECT",
"data": { "externalId": "order_8F2K-1043",
"status": { "code": "200", "description": "COMPLETED" } } }Key facts
Pull payments in Argentina
Figures published by the BCRA and the World Bank.
470.9 million
Immediate pull transfers (transactions, 2025)
64.1%
Immediate payments share of retail payment operations (% of operations, 2025)
65.6%
Electronic funds transfers share of retail payment operations (% of operations, 2025)
81.7%
Adults with an account, financial institution or mobile money (% of adults 15+, 2024)
Source: World Bank, Global Findex Database 2025 (FX.OWN.TOTL.ZS), 2024
What it is
Pay from the bank account, with the payer’s approval
Debin is an Argentine payment method based on a debit request. Your business creates the request through Localpayment, the payer reviews it and approves it from their bank, and the payment is confirmed asynchronously. The request expires after 2 days if it is not approved.
- Debit request approved by the payer from their bank
- Request expires after 2 days
- Final status delivered by signed webhook
- 09:41:02.11409:41:02PayIn100 INPROGRESS20084 ms
- 09:41:05.90209:41:05PayIn200 COMPLETED20091 ms
- 09:42:18.33009:42:18PayOut100 INPROGRESS20077 ms
- 09:42:40.01809:42:40PayOut200 COMPLETED20088 ms
- 09:43:00.55109:43:00VirtualAccount200 COMPLETED20080 ms
POST https://example-merchant.com/webhooks/localpayment
x-Signature: HMAC-SHA256 3f9a1c0e…b47e2b
{ "transactionType": "PayIn", "transactionFlow": "DIRECT",
"data": { "externalId": "order_8F2K-1043",
"status": { "code": "200", "description": "COMPLETED" } } }How it works
How a Debin payment works
Actors and steps follow the documented flow. The final status always arrives by signed webhook.
- 1
Your businessLocalpayment:
Debit request
POST /api/payin/ with country, currency, amount and payer data. The response confirms the debit request was created and is waiting for the payer. Status 100 (INPROGRESS). The request expires after 2 days.
- 2
Bank · DebinCustomer:
Bank notification
The payer’s bank shows the pending debit request in online banking or the bank app.
- 3
CustomerBank · Debin:
Payer approves
The payer reviews the debit request in their bank and approves it.
- 4
LocalpaymentYour business:
Webhook
Localpayment receives the confirmation and updates the transaction. Signed with HMAC-SHA256 (x-Signature). Status 200 means completed; deduplicate on externalId.
Simplified diagram. Timing depends on the rail and the bank; see the key facts below.
How it works
See Debin in action
A simplified, fictitious walkthrough. Names and amounts are examples.
- 1Comercio EjemploThe customer picks Debin to pay ARS 45,000.00.
- 2Banco EjemploThe payer reviews ARS 45,000.00 and approves in their bank or wallet app.
- 3Payment confirmedYour system receives the signed webhook and releases the order.
Key facts
Debin: key facts
Country
- Detail
- 🇦🇷 Argentina
Currency
- Detail
- ARS
Direction
- Detail
- Pay-in only
Debin
- Detail
- Asynchronous, confirmed by webhook · ARS 1 – 10,000,000
Flow
- Detail
- Payer approves the debit request in their bank
Taken from the Localpayment documentation for each country. Limits and availability can change; confirm them with your account manager.
Consumer experience
What your customer sees with Debin
Authorization, limits and refunds as documented on docs.localpayment.com. Limits are shown only where the documentation states them.
How the customer authorizes
The customer enters their CBU (bank account; CVU wallets are not accepted) at your checkout. A real-time request appears in their bank app, where they review the amount and approve. Declining rejects the pay-in; without a response it expires two days after creation.
Documented limits
Debin (Pay-in): ARS 1 – 10,000,000. Per transaction, as published in the documentation; contractual limits may differ.
Refunds and returns
A completed pay-in can be refunded with PATCH /api/payin/{externalId}/refund. Only full refunds are supported; the money goes back to a bank account of the payer and the transaction ends in status 902 (REFUNDED). While a payment is still pending it can be canceled instead.
Integration checklist
Go live with Debin in five steps
The same sequence for every rail. Watch the animated checkout for this country before you build.
Get Stage credentials
Request access, receive sandbox credentials and obtain a JWT with POST /api/token/.
Create the pay-in
POST /api/payin/ with the Localpayment code from the key facts table, ISO-3 country, currency, amount and payer data.
Show the instructions
Render the QR, code, redirect or account details from the response and respect the expiration date.
Verify the webhook
Validate x-Signature (HMAC-SHA256), release the order on status 200 and deduplicate on externalId.
Watch the animated checkout
Every method of this country, screen by screen, in the checkout experiences gallery.
History
How Debin came to be
Source: Banco Central de la República Argentina (BCRA), Informe de Pagos Minoristas Anual 2025.
The BCRA creates Debin
The central bank defines the Débito Inmediato: a payee requests a debit and the payer approves it from their own bank, in real time.
Live across the banking system
Banks roll out Debin in home banking and mobile apps, making it the first immediate pull instrument in Argentina.
Part of Transferencias 3.0
Debin becomes the pull leg of the interoperable immediate-payments framework alongside push transfers and QR by transfer.
471 million pull transfers
Immediate pull transfers reach 470.9 million operations in the year, while immediate payments account for 64% of retail operations.
Why Localpayment
Why use Debin with Localpayment
One API for pay-ins and payouts
Debin runs on the same API as every other method: POST /api/payin/ to collect, POST /api/payout/ to pay out, and new markets by configuration.
Webhook status on every transaction
Every status change is pushed to your endpoint, signed with HMAC-SHA256, so you can verify and automate.
Reconciliation in the Business Portal
Match every transaction through your externalId and our internalId, with Business Portal reports and balance APIs.
Keep exploring
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CVU & COELSA —QR
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FAQ
Debin: frequently asked questions
How does a Debin payment work?
You create a debit request through Localpayment and the payer approves it from their bank. Confirmation is asynchronous, so the final status reaches you by signed webhook and your order flow should rely on that notification.
How long is a Debin request valid?
A Debin request expires after 2 days. If the payer has not approved it by then, the payment is not completed and you can create a new request.
Which code and limits apply?
Debin uses Localpayment code 1040 in Argentina. See the key facts table above for the documented details, and confirm limits and availability for your account with your account manager.
Why does the documentation only accept CBU accounts?
Debin requests are routed to banks. A CBU identifies a bank account and never starts with three zeros; CVU wallet accounts are not eligible for this method, so point wallet users to QR or CVU transfers instead.
How long does the customer have to approve?
Two days from creation. Until then the pay-in stays in 100 (INPROGRESS); if the customer declines it is rejected, and if nothing happens it expires.
Can I refund a Debin payment?
Yes, in full, with PATCH /api/payin/{externalId}/refund on a completed transaction. The pay-in ends in 902 (REFUNDED); partial refunds are not supported.
Is Debin suitable for recurring charges?
Each Debin is an individual request the customer approves in their bank. For recurring collection, talk to sales about direct debit availability in Argentina.
Add Debin to your payments
Tell us your markets and volumes. We start you on Stage (sandbox) credentials and guide you to go-live.