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Argentina

What is Transferencias 3.0, and how Argentina pays by QR

Transferencias 3.0 is the Central Bank of Argentina's framework for instant, interoperable payments: any bank or wallet app can pay any QR code, and money moves between accounts at once.

Argentina

ARS

Instant bank transfer

How a payment moves

  1. You One API request
  2. Transferencias 3.0 A QR payload, or a CBU, CVU or alias
  3. Recipient Argentine bank or wallet account
On DVBridge QR payments Live Payouts Live

Paying into it with DVBridge

  • QR payments · Argentina Live
    What you send
    The code payload, exactly as the camera read it
    Recipient name
    Not used
    Delivery
    Under 5 minutes
  • Payouts · Argentina Live
    What you send
    CBU or CVU (22 digits) or alias
    Recipient name
    Required
    Delivery
    Under 5 minutes

Amount limits are configured for your account and returned by the API.

One code for every app

Before the framework, a code usually worked only with the wallet that issued it. Now a code shown at a till is paid from whichever app the customer uses, and the money lands in the account behind the code.

Accounts: CBU, CVU and alias

For a payout to an account rather than a code, Argentina uses three addresses: a CBU for bank accounts, a CVU for wallet accounts, and an alias, a short word-based name the account holder chooses. Any of the three identifies the account, with the recipient’s name alongside.

Questions and answers

  • What is the difference between a CBU and a CVU?

    A CBU identifies an account at a bank; a CVU identifies an account at a non-bank payment provider, such as a wallet. Both are twenty-two digits.

  • Do I need the recipient's details to pay a code?

    No. The code carries the recipient.

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