---
updatedAt: 2026-09-11T02:15:38.000Z
agentTools:
  projectIndex: https://docs.dlocal.com/llms.txt
---

# Argentina

Learn about the dLocal supported payment methods in Argentina.

[block:html]
{
  "html": "<style>\n  \n  .main {\n    margin-left: auto;\n    margin-right: auto;\n    margin-bottom: 5px;\n    display: grid;\n    grid-template-columns: repeat(3, 1fr); /* Tres columnas */\n    width: 740px; /* Ancho máximo de la caja */\n}\n\n.overview-card1 {\n    position: relative; /* Asegúrate de que el contenedor sea relativo para posicionar el pseudoelemento */\n    width: 100%;\n    max-width: 233px;\n    box-sizing: border-box;\n    margin: 0;\n}\n\n.overview-card1::after {\n    content: '';\n    position: absolute;\n    right: 0; /* Pega la línea al borde derecho */\n    top: 30%; /* Ajusta la posición superior de la línea */\n    height: 60%; /* Establece el alto de la línea al 60% */\n    width: 1px; /* Grosor de la línea */\n    background-color: #D2D8EC; /* Color de la línea */\n}\n\n  .overview-card2 {\n    position: relative; /* Asegúrate de que el contenedor sea relativo para posicionar el pseudoelemento */\n    width: 100%;\n    max-width: 233px;\n    box-sizing: border-box;\n    margin: 0;\n}\n  \n  .overview-card2::after {\n    content: '';\n    position: absolute;\n    right: 0; /* Pega la línea al borde derecho */\n    top: 30%; /* Ajusta la posición superior de la línea */\n    height: 70%; /* Establece el alto de la línea al 60% */\n    width: 1px; /* Grosor de la línea */\n    background-color: #D2D8EC; /* Color de la línea */\n}\n  \n.overview-card3 {\n    position: relative; /* Asegúrate de que el contenedor sea relativo para posicionar el pseudoelemento */\n    width: 100%;\n    max-width: 233px;\n    box-sizing: border-box;\n    margin: 0;\n}\n\n.overview-card-upper-side1 {\n    height: 105px;\n    padding: 20px;\n    background-color: transparent;\n    text-align: left;\n}\n\n.overview-card-bottom-side {\n    position: relative;\n    width: 100%;\n    height: 100%;\n    padding: 30px;\n    padding-right: 20px;\n    background-color: transparent;\n    border-radius: 16px;\n}\n\n.overview-card-title1 {\n    font-family: 'Plus Jakarta Sans', sans-serif;\n    font-size: 24px;\n    font-weight: 700;\n    line-height: 26.4px;\n}\n\n.overview-card-content1 {\n    font-size: 14px;\n    font-weight: 300;\n    margin-top: 20px;\n    line-height: 20px;\n    margin-bottom: 40px!important;\n}\n\n.overview-icon1 {\n    margin-bottom: -5px;\n    margin-top: 20px;\n}\n  \n.doc-link {\n        position: relative;\n        font-weight: 500;\n        color: #21A35B !important;\n        text-decoration: none;\n        display: block;\n    }\n  \n\ndiv:not(.markdown-body) .doc-link:hover {\n            text-decoration: none;\n            color: #1043FA !important;\n            transform: translateX(0.2em);\n        }\n\n.overview-card-title1:hover {\n    color: #2D59F5 !important;\n    cursor:pointer;\n    transform: none!important;\n}\n\n    div:not(.markdown-body) .doc-link_arrow {\n        display: inline-block;\n        height: 1em;\n        width: auto;\n        vertical-align: middle;\n        margin-left: 0.2em;\n        margin-top: -0.1em;\n    }\n  \n     div:not(.markdown-body) .doc-link:hover .doc-link_arrow-color {\n            fill: #1043FA !important;\n        }\n  \n      [data-color-mode=\"dark\"] .overview-icon1 img {\n  filter: brightness(0) invert(1);\n  transition: filter 0.3s ease;\n}\n  \n  \n/* Media Queries para dispositivos móviles */\n@media (max-width: 768px) {\n  .main {\n    grid-template-columns: repeat(2, 1fr); /* Dos columnas en pantallas medianas */\n  }\n}\n\n@media (max-width: 480px) {\n  .main {\n    grid-template-columns: 1fr; /* Una columna en pantallas pequeñas */\n}\n</style>\n  \n    <div class=\"main\">\n\n     <!-- Market specifications -->\n      <div class=\"overview-card1\" onclick=\"parent.location='/docs/argentina#market-specifications'\">\n     <div class=\"overview-card-bottom-side\">\n        <div class=\"overview-icon1\"><img width=\"48\" src=\"https://files.readme.io/922681fecfb238c94f7213fa9e0aa1675f1e190ec55beff2b6994169c77fdefc-adjust-circle.svg\"  alt=\"\" loading=\"lazy\"><div class=\"img_overlay img_color_rgba(0,0,0,.2)\"></div></div>\n           <h3 class=\"overview-card-title1\">Market specifications</h3>\n          <p class=\"overview-card-content1\">\n            Take a look of all the payment methods available.   \n        </p>\n          <a href=\"#country-reference\" class=\"doc-link\">Country reference</a>\n          <a href=\"#cards-supported\" class=\"doc-link\">Cards supported</a>\n          <a href=\"#alternative-payment-method-supported\" class=\"doc-link\">APM supported</a>\n        </div>\n      </div>\n      \n      <!-- Cards -->\n      <div\n        class=\"overview-card2\" onclick=\"parent.location='/docs/argentina#cards'\">\n        <div class=\"overview-card-bottom-side\">\n                  <div class=\"overview-icon1\"><img width=\"48\" src=\"https://files.readme.io/8d450ada4af3880f85f70c5daedebb0bec1b2b6d64479be929af48fdc8d66f40-credit-card.svg\"  alt=\"\" loading=\"lazy\"><div class=\"img_overlay img_color_rgba(0,0,0,.2)\"></div></div>\n           <h3 class=\"overview-card-title1\">Cards</h3><br>\n          <p class=\"overview-card-content1\">\n           Find all the information about the card supported capabilities.   \n          </p>\n          <a href=\"#capabilities\" class=\"doc-link\">Capabilities</a>\n          <a href=\"#how-to-process-card-payments\" class=\"doc-link\">Process Card Payments</a>\n        </div>\n      </div>  \n      \n      <!-- APM -->\n      <div class=\"overview-card3\" onclick=\"parent.location='/docs/argentina#alternative-payment-method'\">\n    <div class=\"overview-card-bottom-side\">\n             <div class=\"overview-icon1\"><img width=\"48\" src=\"https://files.readme.io/5a59519487455e7af361db8b67a2dee8d71627d4d6e1ed0a0bd805f5da861fcc-money-stack.svg\"  alt=\"\" loading=\"lazy\"><div class=\"img_overlay img_color_rgba(0,0,0,.2)\"></div></div>\n           <h3 class=\"overview-card-title1\">Alternative Payments</h3>\n          <p class=\"overview-card-content1\">\n             Learn how to integrate cash, bank transfer or wallet payment.  \n        </p>\n          <a href=\"#bank-transfer\" class=\"doc-link\">Bank Transfer</a>\n          <a href=\"#rapipago\" class=\"doc-link\">Rapipago</a>\n          <a href=\"#qr-interoperable\" class=\"doc-link\">QR Interoperable</a>\n          <a href=\"#modo-cards\" class=\"doc-link\">MODO Cards</a>\n          <a href=\"#pago-fácil\" class=\"doc-link\">Pago Fácil</a>\n          <a href=\"#buy-now-pay-later-bnpl\" class=\"doc-link\">Pareto (BNPL)</a>\n\n        </div>\n      </div> \n      \n    </div>"
}
[/block]

***

# Market specifications

Do you want to know more information about Argentina's market? Go to the [Argentina’s economy and eCommerce market](https://dlocal.com/payment-processors-in-latin-america/argentina-payment-methods-processors-e-commerce-market-dlocal/) article.

## Country reference

| `country` code | `currency` code | `amount` decimals |   `document` name  |       `document` format      | `document` required? |
| :------------: | :-------------: | :---------------: | :----------------: | :--------------------------: | :------------------: |
|      `AR`      |      `ARS`      |         2         | DNI, CUIT, or CUIL | Between 7 to 9, or 11 digits |          Yes         |

<Callout icon="👍" theme="okay">
  ### Multi-currency support available for debit cards

  Supports charging in either USD or local currency for debit card transactions. To charge in USD, use the `currency_to_charge` parameter with the value `USD`; otherwise, the transaction will be processed in local currency by default.
</Callout>

## Cards supported

| `payment_method_id` | Brand ID | Name               | `payment_method_type` | Details       | Allowed Flows       | Logo                                                                                |
| :------------------ | :------- | :----------------- | :-------------------- | :------------ | :------------------ | :---------------------------------------------------------------------------------- |
| `CARD`              | `VI`     | Visa               | `CARD`                | Credit Card ​ | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/VI.svg" width="40px"> |
| `CARD`              | `VD`     | Visa Debit ​       | `CARD`                | Debit Card ​  | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/VD.svg" width="40px"> |
| `CARD`              | `MC`     | Mastercard         | `CARD`                | Credit Card ​ | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/MC.svg" width="40px"> |
| `CARD`              | `MD`     | Mastercard Debit ​ | `CARD`                | Debit Card ​  | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/MD.svg" width="40px"> |
| `CARD`              | `AE`     | American Express   | `CARD`                | Credit Card ​ | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/AE.svg" width="40px"> |
| `CARD`              | `CM`     | CMR Falabella ​    | `CARD`                | Credit Card ​ | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/CM.svg" width="40px"> |
| `CARD`              | `NJ`     | Tarjeta Naranja ​  | `CARD`                | Credit Card ​ | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/NJ.svg" width="40px"> |
| `CARD`              | `NT`     | Nativa ​           | `CARD`                | Credit Card ​ | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/NT.svg" width="40px"> |
| `CARD`              | `CS`     | Cencosud ​         | `CARD`                | Credit Card ​ | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/CS.svg" width="40px"> |
| `CARD`              | `CL`     | Cabal ​            | `CARD`                | Credit Card ​ | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/CL.svg" width="40px"> |
| `CARD`              | `LD`     | ​Cabal Debit       | `CARD`                | Debit Card ​  | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/LD.svg" width="40px"> |
| `CARD`              | `AG`     | Argencard ​        | `CARD`                | Credit Card ​ | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/AG.svg" width="40px"> |
| `CARD`              | `MS`     | Maestro Debit ​    | `CARD`                | Debit Card ​  | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/checkout/MS.svg" width="40px"> |

<Callout icon="ℹ️" theme="info">
  To offer all the card options that may be available in your integration, send the `payment_method_id` as `CARD`.
</Callout>

## Alternative Payment Method supported

| `payment_method_id` | Name                     | `payment_method_type` | Details               | Allowed Flows       | Logo                                                                             |
| :------------------ | :----------------------- | :-------------------- | :-------------------- | :------------------ | :------------------------------------------------------------------------------- |
| `IO`                | Bank Transfer            | `BANK_TRANSFER`       | Bank Transfer Offline | `DIRECT` `REDIRECT` | <img src="https://pay.dlocal.com/views/2.0/images/payments/IO.png" width="40px"> |
| `RP`                | Rapipago                 | `TICKET`              | Cash Payment ​        | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/RP.png" width="40px">       |
| `QR`                | QR Interoperable         | `TICKET`              | QR payments           | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/QR.png" width="40px">       |
| `MU`                | MODO Cards               | `TICKET`              | Bank transfer         | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/MU.svg" width="40px">       |
| `PF`                | Pago Fácil               | `TICKET`              | Cash Payment          | `DIRECT` `REDIRECT` | <img src="https://static.dlocal.com/images/providers/PF.png" width="40px">       |
| `PL`                | Buy Now Pay Later (BNPL) | `TICKET`              | Installment Plan      | `REDIRECT`          | <img src="https://static.dlocal.com/images/providers/PL.png" width="40px">       |

***

# Cards​​​​

## Capabilities

> To view the information for all the cards, position the cursor over the table and use the horizontal scroll to navigate.

|                               | Visa Credit                                        | Visa Debit                                         | Mastercard Credit                                  | Mastercard Debit                                   | American Express                                   | CMR Falabella                                      | Tarjeta Naranja                                    | Tarjeta Shoppping                                  | Nativa                                             | Cencosud                                       | Cabal                                          | Cabal Debit                                    | Argencard                                      | Maestro Debit                                  |
| :---------------------------- | :------------------------------------------------- | :------------------------------------------------- | :------------------------------------------------- | :------------------------------------------------- | :------------------------------------------------- | :------------------------------------------------- | :------------------------------------------------- | :------------------------------------------------- | :------------------------------------------------- | :--------------------------------------------- | :--------------------------------------------- | :--------------------------------------------- | :--------------------------------------------- | :--------------------------------------------- |
| **Minimum amount**            | 10 ARS                                             | 10 ARS                                             | 10 ARS                                             | 10 ARS                                             | 10 ARS                                             | 10 ARS                                             | 10 ARS                                             | 10 ARS                                             | 10 ARS                                             | 10 ARS                                         | 10 ARS                                         | 10 ARS                                         | 10 ARS                                         | 10 ARS                                         |
| **Refunds**                   | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                            | Yes                                            | Yes                                            | Yes                                            | Yes                                            |
| **Recurring**                 | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                            | Yes                                            | Yes                                            | Yes                                            | Yes                                            |
| **Chargeback option**         | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                            | Yes                                            | Yes                                            | Yes                                            | Yes                                            |
| **Chargeback Dispute option** | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                                | Yes                                            | Yes                                            | Yes                                            | Yes                                            | Yes                                            |
| **Charge in USD**             | No                                                 | Yes                                                | No                                                 | Yes                                                | No                                                 | No                                                 | No                                                 | No                                                 | No                                                 | No                                             | No                                             | Yes                                            | No                                             | Yes                                            |
| **Descriptor**                | Partially personalized, depending on the provider. | Partially personalized, depending on the provider. | Partially personalized, depending on the provider. | Partially personalized, depending on the provider. | Partially personalized, depending on the provider. | Partially personalized, depending on the provider. | Partially personalized, depending on the provider. | Partially personalized, depending on the provider. | Partially personalized, depending on the provider. | Partially personalized, depending on provider. | Partially personalized, depending on provider. | Partially personalized, depending on provider. | Partially personalized, depending on provider. | Partially personalized, depending on provider. |

## How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our [Card Payments](https://docs.dlocal.com/docs/card-payments) section.

***

# Alternative Payment Method

## Bank Transfer

Bank transfer is a service that allows customers to carry out bank transfers from bank accounts of any bank in Argentina.

### Capabilities

|                                    | Bank Transfer              |
| :--------------------------------- | :------------------------- |
| **Min. amount**                    | 10 ARS                     |
| **Max. expiration time supported** | 5 days                     |
| **Notification delay**             | Immediate                  |
| **Refunds**                        | Yes                        |
| **Flow**                           | `DIRECT` <br /> `REDIRECT` |

### Request parameters

| Property              | Type   | Description                                                                                                            | Mandatory? |
| :-------------------- | :----- | :--------------------------------------------------------------------------------------------------------------------- | :--------- |
| `amount`              | Number | Amount to be charged.                                                                                                  | Yes        |
| `currency`            | String | `ARS`<br /><br />Transaction currency in [ISO 4217](http://en.wikipedia.org/wiki/ISO_4217).                            | Yes        |
| `country`             | String | `AR` <br /><br />Transaction country in [ISO 3166](https://en.wikipedia.org/wiki/List_of_ISO_3166_country_codes).      | Yes        |
| `payment_method_id`   | String | `IO` <br /><br />ID of the selected payment method.                                                                    | Yes        |
| `payment_method_flow` | String | `DIRECT` or `REDIRECT`                                                                                                 | Yes        |
| `payer.name`          | String | Name of the payer.                                                                                                     | Yes        |
| `payer.email`         | String | Email of the payer.                                                                                                    | Yes        |
| `payer.document`      | String | Document of the payer.                                                                                                 | Yes        |
| `order_id`            | String | ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.                 | No         |
| `notification_url`    | String | Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant. | No         |

### Examples

```json Request Example
{
    "amount": 1640,
    "currency": "ARS",
    "country": "AR",
    "payment_method_id": "IO",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "janedoe@mymail.com",
        "document": "12345678",
        "address": {
            "country": "AR",
            "state": "Santa Fe",
            "city": "Pujato",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}
```
```json Response Example
{
    "id": "D-4-3145f30a-19fd-4e88-2112-af16f344fee2",
    "amount": 1640,
    "currency": "ARS",
    "payment_method_id": "IO",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "DIRECT",
    "country": "AR",
    "bank_transfer": {
        "bank_account_type": "CHECKING",
        "bank_name": "Banco Industrial S.A.",
        "bank_code": "Banco Industrial S.A.",
        "beneficiary_name": "Dlp Capital Partner S.A.",
        "bank_account": "3220001805006588450032",
        "bank_account_label": "CBU",
        "reference": "10254037",
        "redirect_url": "https://pay.dlocal.com/gmf-apm/payments/M-6ea9fcc0-13db-122f-b0c7-36d01480fe9c",
        "user_payment_amount": 10000,
        "payment_instruction": "Ingresa a tu banca en línea y realiza la transferencia a la siguiente cuenta. Recuerda que no se pueden hacer pagos en ventanilla.",
        "expiration_date": "2023-06-15T23:59:00.100+0000"
    },
    "ticket": {},
    "created_date": "2023-06-10T21:01:08.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}
```

### Example ticket

<Image src="https://files.readme.io/26dc492c20e4b8c29fce369f4192591ef979d9fe96759b660e48b2c0d803fc3e-APM_-_Bank_Transfer.png" alt="Bank Transfer UI built with the information in the example above." align="center" width="100% " caption="Bank Transfer UI built with the information in the example above." />

## Rapipago

Rapipago is one of the most popular chains of extra-banking physical payment locations in Argentina. Argentinians normally use it to pay utility bills among other services.

Rapipago allow users to pay for their daily services, like electricity, gas, cable TV, internet, and other common living expenses.

### Capabilities

|                                    | Rapipago                   |
| :--------------------------------- | :------------------------- |
| **Min. amount**                    | 10 ARS                     |
| **Max. expiration time supported** | Up to 28 days              |
| **Notification delay**             | Immediate                  |
| **Refunds**                        | Yes                        |
| **Flow**                           | `DIRECT` <br /> `REDIRECT` |

### Request parameters

| Property              | Type   | Description                                                                                                            | Mandatory? |
| :-------------------- | :----- | :--------------------------------------------------------------------------------------------------------------------- | :--------- |
| `amount`              | Number | Amount to be charged.                                                                                                  | Yes        |
| `currency`            | String | `ARS`<br /><br />Transaction currency in [ISO 4217](http://en.wikipedia.org/wiki/ISO_4217).                            | Yes        |
| `country`             | String | `AR` <br /><br />Transaction country in [ISO 3166](https://en.wikipedia.org/wiki/List_of_ISO_3166_country_codes).      | Yes        |
| `payment_method_id`   | String | `RP` <br /><br />ID of the selected payment method.                                                                    | Yes        |
| `payment_method_flow` | String | `DIRECT` or `REDIRECT`                                                                                                 | Yes        |
| `payer.name`          | String | Name of the payer.                                                                                                     | Yes        |
| `payer.email`         | String | Email of the payer.                                                                                                    | Yes        |
| `payer.document`      | String | Document of the payer.                                                                                                 | Yes        |
| `order_id`            | String | ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.                 | No         |
| `notification_url`    | String | Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant. | No         |

### Examples

```json Request Example
{
    "amount": 1800,
    "currency": "ARS",
    "country": "AR",
    "payment_method_id": "RP",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "janedoe@mymail.com",
        "document": "12345678",
        "address": {
            "country": "AR",
            "state": "Santa Fe",
            "city": "Pujato",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}
```
```json Response Example
{
    "id": "D-5-e2637f0e-121i-4e75-hg66-601815558921",
    "amount": 1800,
    "currency": "ARS",
    "payment_method_id": "RP",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "AR",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "number": "100003617705",
        "expiration_date": "2022-09-24T02:59:00.000+0000",
        "id": "738400165004591000038691430000164023030000000006",
        "barcode": "1000-03869143",
        "company_name": "DLOCAL SERVICES",
        "provider_name": "rapippago",
        "provider_logo": "https://pay.dlocal.com/views/2.0/images/payments/RP.png",
        "image_url": "https://pay.dlocal.com/gmf-apm/payments/M-2370d066-8c84-4b0e-a7b9-43ws333afda",
        "amount": 1800,
        "currency": "ARS"
    },
    "created_date": "2022-08-30T21:04:20.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
     "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}
```

### Example ticket

<Image src="https://files.readme.io/c0997b672b82673ebc3d574f8c094aa8eccce2377c5785337a6d33923e65b02f-APM_-_Rapipago.png" alt="Rapipago UI built with the information in the example above." align="center" caption="Rapipago UI built with the information in the example above." />

### User Interface Tips <span class="pill primary">UI</span>

If you are using these payment methods through a `DIRECT` integration, follow the tips below in order to make it easier for your customers to complete payments, boosting your conversion rates.

| Element                  | Tip                                                                                                                                                                                                                                                 |
| :----------------------- | :-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Ticket Number**        | It is the number that payers must dictate to the cashiers in order to complete payment. Separate it every 4 digits so it is easier to read.                                                                                                         |
| **Currency and Amount**  | Should be relevant elements in the ticket. Users need to have that information very clearly.                                                                                                                                                        |
| **AR Currency Symbol**   | $                                                                                                                                                                                                                                                   |
| **Expiration date**      | Display this element clearly and visible enough. In Argentina, the date format is  **DD/MM/YYYY**.                                                                                                                                                  |
| **Accreditation delay**  | Let users know that their payment will be **credited immediately**. This brings confidence and a sense of security that helps conversion rates.                                                                                                     |
| **Payment instructions** | Although most users are familiarized with Rapipago, it is a good practice to help those who are not. In the image above there is an example of instructions, but if needed, our team will be happy to help you with more personalized instructions. |
| **Store locator**        | Link it to <https://www.google.com/maps/search/rapipago>.                                                                                                                                                                                           |
| **Save button**          | It helps users to have their tickets always on their phone, making it needless to take notes or keep the browser open.                                                                                                                              |
| **Print button**         | It is useful for some users who need to have their tickets printed.                                                                                                                                                                                 |

## QR Interoperable

QR Interoperable is a QR-based bank transfer solution.

The user selects to pay with QR and is shown a QR code that any bank or wallet in Argentina can scan to pay the transaction. After the payment, the user is shown an approval screen.

### Capabilities

|                                    | QR Interoperable           |
| :--------------------------------- | :------------------------- |
| **Min. amount**                    | 30 ARS                     |
| **Max. expiration time supported** | 5 days                     |
| **Notification delay**             | Immediate                  |
| **Refunds**                        | No                         |
| **Flow**                           | `DIRECT` <br /> `REDIRECT` |

### Request parameters

| Property              | Type   | Description                                                                                                            | Mandatory? |
| :-------------------- | :----- | :--------------------------------------------------------------------------------------------------------------------- | :--------- |
| `amount`              | Number | Amount to be charged.                                                                                                  | Yes        |
| `currency`            | String | `ARS`<br /><br />Transaction currency in [ISO 4217](http://en.wikipedia.org/wiki/ISO_4217).                            | Yes        |
| `country`             | String | `AR` <br /><br />Transaction country in [ISO 3166](https://en.wikipedia.org/wiki/List_of_ISO_3166_country_codes).      | Yes        |
| `payment_method_id`   | String | `QR` <br /><br />ID of the selected payment method.                                                                    | Yes        |
| `payment_method_flow` | String | `DIRECT` or `REDIRECT`                                                                                                 | Yes        |
| `payer.name`          | String | Name of the payer.                                                                                                     | No         |
| `payer.email`         | String | Email of the payer.                                                                                                    | No         |
| `payer.document`      | String | Document of the payer.                                                                                                 | Yes        |
| `order_id`            | String | ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.                 | No         |
| `notification_url`    | String | Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant. | No         |

### Examples

```json Request Example
{
    "amount": 1000,
    "currency": "ARS",
    "country": "AR",
    "payment_method_id": "QR",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "janedoe@mymail.com",
        "document": "12345678",
        "address": {
            "country": "AR",
            "state": "Santa Fe",
            "city": "Pujato",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new"
}
```
```json Response Example
{
    "id": "D-5-e2637f0e-121i-4e75-hg66-601815558921",
    "amount": 1000,
    "currency": "ARS",
    "payment_method_id": "QR",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "AR",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "expiration_date": "2024-07-16T02:59:00.000+0000",
        "company_name": "Dlocal",
        "provider_logo": "https://static.dlocal.com/images/providers/qr.png",
        "image_url": "https://pay.dlocal.com/gmf-apm/payments/example",
        "amount": 1050,
        "currency": "ARS",
        "qr_code": "00020101021244220018com.qr.example50150011307157787225204729953030325406164.005803ARG5907D Local6012Buenos Aires6240053605c3e56b-c597-4647-a099-81c4506fa27b63043A21"
    },
    "created_date": "2024-07-10T17:29:23.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "QR-DIRECT-EXAMPLE",
    "notification_url": "https://merchant.example.com/notifications"
}
```

The top-level `amount` reflects the amount the merchant requested. The nested `ticket.amount` is the final amount encoded in the QR code that the payer must pay, which may differ from the requested amount when dLocal applies taxes or a surcharge.

<Callout icon="📘" theme="info">
  ### Tax surcharge on the QR amount

  `ticket.amount` may be higher than the original amount sent in the payment request when dLocal applies taxes or a tax surcharge on top of the requested amount. Merchants should flag this possibility at checkout when they delegate tax handling to dLocal, so the customer understands that taxes may be included in the final QR amount. Merchants that calculate and display taxes independently should avoid presenting the same surcharge twice.
</Callout>

### Example ticket

<Image src="https://files.readme.io/d106ea07eb33b90cb99fff105e68dafa7a28b45c26a983765e950f52e3691332-APM_-_QR_Interopeable.png" alt="Cobro Express UI built with the information in the example above." align="center" caption="QR Interoperable UI built with the information in the example above." />

## MODO Cards

MODO is a digital wallet in Argentina that facilitates payments by linking users' bank accounts and cards within a single app.

It collaborates with major banks in the country, allowing transactions for both online and in-person purchases. MODO aims to simplify the payment process, providing a convenient and unified solution for digital market users.

### Capabilities

|                                    | MODO Cards                 |
| :--------------------------------- | :------------------------- |
| **Min. amount**                    | 18 ARS                     |
| **Max. expiration time supported** | 10 minutes                 |
| **Notification delay**             | Immediate                  |
| **Refunds**                        | Yes                        |
| **Flow**                           | `DIRECT` <br /> `REDIRECT` |

### Request parameters

| Property              | Type   | Description                                                                                                            | Mandatory? |
| :-------------------- | :----- | :--------------------------------------------------------------------------------------------------------------------- | :--------- |
| `amount`              | Number | Amount to be charged.                                                                                                  | Yes        |
| `currency`            | String | `ARS`<br /><br />Transaction currency in [ISO 4217](http://en.wikipedia.org/wiki/ISO_4217).                            | Yes        |
| `country`             | String | `AR` <br /><br />Transaction country in [ISO 3166](https://en.wikipedia.org/wiki/List_of_ISO_3166_country_codes).      | Yes        |
| `payment_method_id`   | String | `MU` <br /><br />ID of the selected payment method.                                                                    | Yes        |
| `payment_method_flow` | String | `DIRECT` or `REDIRECT`                                                                                                 | Yes        |
| `payer.name`          | String | Name of the payer.                                                                                                     | No         |
| `payer.email`         | String | Email of the payer.                                                                                                    | No         |
| `payer.document`      | String | Document of the payer.                                                                                                 | Yes        |
| `order_id`            | String | ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.                 | No         |
| `notification_url`    | String | Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant. | No         |

### Examples

```json Request Example
{
    "amount": 1000,
    "currency": "ARS",
    "country": "AR",
    "payment_method_id": "MU",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "janedoe@mymail.com",
        "document": "12345678"
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/"
}
```
```json Response Example
{
    "id": "D-4-bdb5dcf6-34ba-40e2-8ce0-9230dc09a0c1",
    "amount": 1000,
    "currency": "ARS",
    "payment_method_id": "MU",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "AR",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "expiration_date": "2024-07-16T02:59:00.000+0000",
        "provider_url": "https://www.modo.com.ar/pagar/?qr=00020101021226580024ar.com.modo.decidir-plus01264D4R0J03MS8ZYBZRQ5Z2QC8HNF520453315303032540552.485802AR5909DLP%203%20CVV6004CABA627903081000073605228d84oVpND1qXo9jyqAktR60708100007360803BTN101130711998612110352280380024ar.com.modo.decidir-plus0106online81380024ar.com.modo.decidir-plus010100201063044028&paymentIntentionId=3a613eef-4308-4d31-b108-aa9774546123&callback=https://pay.dlocal.com/gmf-apm/callbacks/modo?internal_reference%3D98f39ce4-395e-4f9e-b417-e46c1d46c4b7%26gateway_id%3D3275&callbackSuccess=https://pay.dlocal.com/gmf-apm/callbacks/modo?internal_reference%3D98f39ce4-395e-4f9e-b417-e46c1d46c4b7%26gateway_id%3D1234",
        "provider_logo": "https://static.dlocal.com/images/providers/MU.svg",
        "image_url": "https://pay.dlocal.com/gmf-apm/payments/M-12cf3fb1-b6c7-4e0e-8e2d-8ad6feb5e12e",
        "amount": 1000,
        "currency": "ARS",
        "qr_code": "00020101021226580024ar.com.modo.decidir-plus01264D4R0J03MS8ZYBZRQ5Z2QC8HNF520453315303032540552.485802AR5909DLP 3 CVV6004CABA627903081000073605228d84oVpND1qXo9jyqAktR60708100007360803BTN101130711998612110352280380024ar.com.modo.decidir-plus0106online81380024ar.com.modo.decidir-plus010100201063044123"
    },
    "created_date": "2024-07-10T17:29:23.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "ca1f2fb3-80d0-42fa-942d-41d7c9e22b9e",
    "notification_url": "http://merchantsite.com/notification/new"
}
```
```json Asynchronous Response
{
    "id": "D-4-bdb5dcf6-34ba-40e2-8ce0-9230dc09a0c1",
    "amount": 1000,
    "currency": "ARS",
    "payment_method_id": "MU",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "AR",
    "created_date": "2024-07-16T02:59:00.000+0000",
    "status": "PAID",
    "status_detail": "The payment was paid.",
    "status_code": "200",
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "result_info": {
         "card": {
             "last4": "0006",
             "brand": "MC",
             "issuer": "BANCO DE LA NACION ARGENTINA",
             "type": "DEBIT"
         }
    }
}
```

### Example ticket

<Image src="https://files.readme.io/5636ac28d2a42a81e93dcb1d7b664dcddb382980bfe70ab241cad18169505c44-APM_-_Modo.png" alt="MODO UI built with the information in the example above." align="center" caption="MODO UI built with the information in the example above." />

## Pago Fácil

Pago Fácil, together with Rapipago, is one of the most popular chains of extra-banking physical payment locations in Argentina. Argentinians normally use them to pay utility bills among other services.

Both Rapipago and Pago Fácil allow users to pay for their daily services, like electricity, gas, cable TV, internet, and other common living expenses.

### Capabilities

|                                    | Pago Fácil                                                                                                 |
| :--------------------------------- | :--------------------------------------------------------------------------------------------------------- |
| **Min. amount**                    | 10 ARS                                                                                                     |
| **Max. expiration time supported** | Up to 28 days                                                                                              |
| **Notification delay**             | Immediately or within up to 1 business day, depending on the Pago Fácil location selected by the end user. |
| **Refunds**                        | Yes                                                                                                        |
| **Flow**                           | `DIRECT` <br /> `REDIRECT`                                                                                 |

### Request parameters

| Property              | Type   | Description                                                                                                            | Mandatory? |
| :-------------------- | :----- | :--------------------------------------------------------------------------------------------------------------------- | :--------- |
| `amount`              | Number | Amount to be charged.                                                                                                  | Yes        |
| `currency`            | String | `ARS`<br /><br />Transaction currency in [ISO 4217](http://en.wikipedia.org/wiki/ISO_4217).                            | Yes        |
| `country`             | String | `AR` <br /><br />Transaction country in [ISO 3166](https://en.wikipedia.org/wiki/List_of_ISO_3166_country_codes).      | Yes        |
| `payment_method_id`   | String | `PF` <br /><br />ID of the selected payment method.                                                                    | Yes        |
| `payment_method_flow` | String | `DIRECT` or `REDIRECT`                                                                                                 | Yes        |
| `payer.name`          | String | Name of the payer.                                                                                                     | Yes        |
| `payer.email`         | String | Email of the payer.                                                                                                    | Yes        |
| `payer.document`      | String | Document of the payer.                                                                                                 | Yes        |
| `order_id`            | String | ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.                 | No         |
| `notification_url`    | String | Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant. | No         |

### Examples

```json Request Example
{
    "amount": 1740,
    "currency": "ARS",
    "country": "AR",
    "payment_method_id": "PF",
    "payment_method_flow": "DIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "janedoe@mymail.com",
        "document": "12345678",
        "address": {
            "country": "AR",
            "state": "Santa Fe",
            "city": "Pujato",
            "zip_code": "8858",
            "street": "Av. Principal",
            "number": "5940"
        }
    },
    "order_id": "34545sk3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}
```
```json Synchronous response example
{
    "id": "D-4-e2637f0e-121i-4e75-bf88-601815558921",
    "amount": 1740,
    "currency": "ARS",
    "payment_method_id": "PF",
    "payment_method_type": "TICKET",
    "payment_method_flow": "DIRECT",
    "country": "AR",
    "bank_transfer": {},
    "ticket": {
        "type": "CUSTOM",
        "number": "1100277991869",
        "expiration_date": "2022-09-27T02:59:00.000+0000",
        "id": "214200001640230240110034677241600000000058",
        "barcode": "214200001640230240110034677241600000000058",
        "company_name": "DLOCAL",
        "provider_name": "pagofacil",
        "provider_logo": "https://pay.dlocal.com/views/2.0/images/payments/PF.png",
        "image_url": "https://pay.dlocal.com/gmf-apm/payments/M-2370d066-8c84-4b0e-a7b9-28aa7333afda",
        "amount": 1740,
        "currency": "ARS"
    },
    "created_date": "2022-08-30T21:04:20.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
     "order_id": "34545sk3483kqw0",
    "notification_url": "http://merchantsite.com/notification/new"
}
```
```json Asynchronous response example
{
  "id": "D-4-e2637f0e-121i-4e75-bf88-601815558921",
  "amount": 1740,
  "status": "PAID",
  "status_detail": "The payment was paid.",
  "status_code": "200",
  "currency": "ARS",
  "country": "AR",
  "payment_method_id": "PF",
  "payment_method_type": "TICKET",
  "payment_method_flow": "DIRECT",
  "payer": {
    "name": "Jane Doe",
    "email": "janedoe@mymail.com",
    "document": "12345678",
    "address": {
      "country": "AR",
      "state": "Santa Fe",
      "city": "Pujato",
      "zip_code": "8858",
      "street": "Av. Principal",
      "number": "5940"
    }
  },
  "order_id": "34545sk3483kqw0",
  "description": "Tshirt",
  "notification_url": "http://merchantsite.com/notification/new",
  "callback_url": "http://merchantsite.com/success_page",
  "created_date": "2022-08-30T21:04:20.000+0000"
}
```

### Example ticket

<Image src="https://files.readme.io/0482cc50fba4a63c532e904af72b59b17b0a13cc78c655b36657826430b898c1-APM_-_Pago_Facil.png" alt="Pago Fácil UI built with the information in the example above." align="center" caption="Pago Fácil UI built with the information in the example above." />

### User Interface Tips <span class="pill primary">UI</span>

If you are using these payment methods through a `DIRECT` integration, follow the tips below in order to make it easier for your customers to complete payments, boosting your conversion rates.

| Element                  | Tip                                                                                                                                                                                                                                                                |
| :----------------------- | :----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Ticket Number**        | It is the number that payers must dictate to the cashiers in order to complete payment. Separate it every 4 digits so it is easier to read.                                                                                                                        |
| **Currency and Amount**  | Should be relevant elements in the ticket. Users need to have that information very clearly.                                                                                                                                                                       |
| **AR Currency Symbol**   | $                                                                                                                                                                                                                                                                  |
| **Expiration date**      | Display this element clearly and visible enough. In Argentina, the date format is  **DD/MM/YYYY**.                                                                                                                                                                 |
| **Accreditation delay**  | Shape the messaging so users expect a near-instant confirmation, taking into consideration that most payments are processed right away, reinforcing confidence during checkout.                                                                                    |
| **Payment instructions** | Although most users are familiarized with Pago Fácil and Rapipago, it is a good practice to help those who are not. In the image above there is an example of instructions, but if needed, our team will be happy to help you with more personalized instructions. |
| **Store locator**        | Link it to <https://www.google.com/maps/search/pago+facil>.                                                                                                                                                                                                        |
| **Save button**          | It helps users to have their tickets always on their phone, making it needless to take notes or keep the browser open.                                                                                                                                             |
| **Print button**         | It is useful for some users who need to have their tickets printed.                                                                                                                                                                                                |

## Pareto (BNPL)

Pareto's BNPL in Argentina allows consumers to make purchases immediately and pay in installments with a debit card.

It offers flexible payment plans, often interest-free if paid on time, and is designed to cater to local consumers and merchants.

### Capabilities

|                                    | Buy Now Pay Later (BNPL) |
| :--------------------------------- | :----------------------- |
| **Min. amount**                    | 1 ARS                    |
| **Max. expiration time supported** | 20 minutes               |
| **Notification delay**             | Immediate                |
| **Refunds**                        | Yes                      |
| **Flow**                           | `REDIRECT`               |

### UX Flow

#### First-time payment

<Image src="https://files.readme.io/822ea6503f1036d95c1fe4f7c62bcc9cd9d96f4331d0fd78fe01d29dee3f2f1d-BNPL_First-time_payment.png" alt="The screenshots illustrate a Buy Now Pay Later (BNPL) first-time payment redirect flow. The specifics of the flow may vary depending on the payment method selected to complete the payment." align="center" caption="The screenshots illustrate a Buy Now Pay Later (BNPL) first-time payment redirect flow. The specifics of the flow may vary depending on the payment method selected to complete the payment." />

#### Tokenized user

<Image src="https://files.readme.io/7c096e1d2be7e737eac4da2d894db1ae82d5859018989ad5b2200af99692eab5-BNPL_Tokenized_user.png" alt="The screenshots illustrate a Buy Now Pay Later (BNPL) tokenized wallet redirect flow." align="center" caption="The screenshots illustrate a Buy Now Pay Later (BNPL) tokenized wallet redirect flow." />

### Request parameters

| Property              | Type   | Description                                                                                                            | Mandatory? |
| :-------------------- | :----- | :--------------------------------------------------------------------------------------------------------------------- | :--------- |
| `amount`              | Number | Amount to be charged.                                                                                                  | Yes        |
| `currency`            | String | `ARS`<br /><br />Transaction currency in [ISO 4217](http://en.wikipedia.org/wiki/ISO_4217).                            | Yes        |
| `country`             | String | `AR` <br /><br />Transaction country in [ISO 3166](https://en.wikipedia.org/wiki/List_of_ISO_3166_country_codes).      | Yes        |
| `payment_method_id`   | String | `PL` <br /><br />ID of the selected payment method.                                                                    | Yes        |
| `payment_method_flow` | String | `REDIRECT`                                                                                                             | No         |
| `payer.name`          | String | Name of the payer.                                                                                                     | Yes        |
| `payer.email`         | String | Email of the payer.                                                                                                    | No         |
| `payer.document`      | String | Document of the payer.                                                                                                 | Yes        |
| `order_id`            | String | ID of the capture given by the merchant in their system. Think of it as an external ID of the capture.                 | No         |
| `notification_url`    | String | Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant. | Yes        |

### Examples

```json Request Example
{
    "amount": 1000,
    "currency": "ARS",
    "country": "AR",
    "payment_method_id": "PL",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "janedoe@mymail.com",
        "phone": "123456789",
        "address": {
            "country": "AR",
            "state": "Buenos Aires",
            "city": "Buenos Aires",
            "zip_code": "1001",
            "street": "Av. Principal",
            "number": "5940"
        },
        "document": "123456789"
    },
    "callback_url": "http://merchantsite.com/success_page",
    "order_id": "123456789",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new"
}
```
```json Response Example
{
    "id": "R-4-d3d17e03-9142-4529-8dc8-0184384be705",
    "amount": 1000,
    "currency": "ARS",
    "payment_method_id": "PL",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "AR",
    "created_date": "2024-12-23T18:51:37.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "1bea5451-12cd-4eec-b0d8-35361a35ba67",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "redirect_url": "https://bnpl.pareto.com.ar/1ccb4d2a7f3425b7f7a"
}
```