Argentina: QR and bank transfer

Accept payments in Argentina in ARS over the country's instant, 24/7 BCRA-regulated rails, with no card chargebacks. Two pay-in methods and one payout rail run through the same /process/ endpoint as the rest of the Direct API:

Every wallet scans the same interoperable QR: there is no per-wallet or per-bank parameter.

Before you start

• Your Tonder business is set to country Argentina and currency ARS.
• The methods you'll use are enabled for your business. A method that isn't enabled returns 403 payment_method_not_enabled.
• Requests use the Direct API base URLs and headers — Authorization: Token YOUR_API_KEY, Content-Type: application/json and a UUID v4 in X-Request-Id. See Authentication.

Request rules

QR payment

Create the payment with payment_method.type: "qr":

curl -X POST https://stage.tonder.io/api/v1/process/ \
  -H "Authorization: Token YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "X-Request-Id: 550e8400-e29b-41d4-a716-446655440000" \
  -d '{
    "operation_type": "payment",
    "amount": 15000.00,
    "currency": "ARS",
    "customer": { "name": "Juan Pérez", "email": "juan.perez@email.com", "tax_id": "20123456789" },
    "payment_method": { "type": "qr", "apm_config": { "expires_in": 1800 } },
    "client_reference": "ORD-001",
    "metadata": { "external_id": "ORD-001" }
  }'

curl -X POST https://app.tonder.io/api/v1/process/ \
  -H "Authorization: Token YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "X-Request-Id: 550e8400-e29b-41d4-a716-446655440000" \
  -d '{
    "operation_type": "payment",
    "amount": 15000.00,
    "currency": "ARS",
    "customer": { "name": "Juan Pérez", "email": "juan.perez@email.com", "tax_id": "20123456789" },
    "payment_method": { "type": "qr", "apm_config": { "expires_in": 1800 } },
    "client_reference": "ORD-001",
    "metadata": { "external_id": "ORD-001" }
  }'

The response is 201 with status: "Pending" and the QR in next_action.display_qr_code:

{
  "id": "6f1c2c0e-2b7a-4a6e-9c2d-0a4c3b9f1e21",
  "status": "Pending",
  "amount": 15000.00,
  "currency": "ARS",
  "payment_method_type": "qr",
  "client_reference": "ORD-001",
  "created_at": "2026-10-26T18:02:11.120Z",
  "next_action": {
    "display_qr_code": {
      "qr_string": "000201010212...6304ABCD",
      "amount": 15000.00,
      "currency": "ARS",
      "expires_at": "2026-10-26T18:32:11Z",
      "verify_transaction_status_url": "/transactions/6f1c2c0e-2b7a-4a6e-9c2d-0a4c3b9f1e21/"
    }
  }
}

• qr_string is the EMVCo payload: render it as a QR with any QR library.
• Show the QR and its expiry. After expires_at the payment becomes Expired.
• While the payment is Pending, GET /api/v1/transactions/{id}/ returns the same next_action, so you can render the QR again.

Bank transfer (CVU)

Send the same request with payment_method.type: "transfer". client_reference is required and can't be empty. The response is 201 with status: "Pending" and the transfer details in next_action.display_bank_transfer:

{
  "id": "1c9e6a42-7d3b-4f0e-8a51-2b6d9c0e7f13",
  "status": "Pending",
  "amount": 250000.00,
  "currency": "ARS",
  "payment_method_type": "transfer",
  "client_reference": "ORD-001",
  "created_at": "2026-10-26T18:02:11.120Z",
  "next_action": {
    "display_bank_transfer": {
      "account_type": "CVU",
      "account_number": "0000000000000000000000",
      "alias": "CLIENTE.JUAN.4411",
      "holder_name": "ACCOUNT HOLDER NAME",
      "holder_tax_id": "30-00000000-0",
      "amount": 250000.00,
      "currency": "ARS",
      "reference": "ORD-001",
      "expires_at": "2026-10-26T18:32:11Z",
      "verify_transaction_status_url": "/transactions/1c9e6a42-7d3b-4f0e-8a51-2b6d9c0e7f13/"
    }
  }
}

• Show the CVU and the alias with a copy button, and holder_name as the recipient.
• The CVU and alias are fixed per customer: the same customer.email always gets the same account.
• reference is informational. In Argentina the transfer's description isn't reliable, so Tonder attributes a deposit by the account (the customer) and the pending payment, not by reference.
• If the amount received differs from the one expected, the payment still settles as Success with the received amount, and metadata gains mismatched_deposit: "True" and original_expected_amount.

Refunds

The request and response follow Refunds.

Payouts to CBU, CVU or alias

Send a withdrawal through the same endpoint with transfer_method: "BANK_TRANSFER":

curl -X POST https://stage.tonder.io/api/v1/process/ \
  -H "Authorization: Token YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "X-Request-Id: 7c9e6679-7425-40de-944b-e07fc1f90ae7" \
  -d '{
    "operation_type": "withdrawal",
    "amount": 80000.00,
    "currency": "ARS",
    "transfer_method": "BANK_TRANSFER",
    "description": "Balance withdrawal",
    "client_reference": "payout-001",
    "beneficiary": {
      "account_type": "CBU",
      "account": "0000000000000000000000",
      "name": "María López",
      "tax_id": "27234567891",
      "email": "maria.lopez@email.com"
    },
    "metadata": { "external_id": "payout-001" }
  }'

curl -X POST https://app.tonder.io/api/v1/process/ \
  -H "Authorization: Token YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "X-Request-Id: 7c9e6679-7425-40de-944b-e07fc1f90ae7" \
  -d '{
    "operation_type": "withdrawal",
    "amount": 80000.00,
    "currency": "ARS",
    "transfer_method": "BANK_TRANSFER",
    "description": "Balance withdrawal",
    "client_reference": "payout-001",
    "beneficiary": {
      "account_type": "CBU",
      "account": "0000000000000000000000",
      "name": "María López",
      "tax_id": "27234567891",
      "email": "maria.lopez@email.com"
    },
    "metadata": { "external_id": "payout-001" }
  }'

• Payouts debit your pre-funded balance. A payout above it is rejected with 400 insufficient_balance before it is sent. Check the balance with GET /api/v1/withdrawals/balance.
• If tax_id doesn't match the account's holders, the payout ends Declined with beneficiary_tax_id_mismatch; an inactive account ends Declined with beneficiary_account_inactive.

The full status vocabulary is in Withdrawals › Statuses.

Web SDK and Hosted Checkout

With the Web SDK, both methods appear in tonder.getPaymentMethods() once they're enabled — qr with the label "QR" and transfer with "Transferencia". Pay with the method's type and render the same next_action from the transaction it returns:

const result = await tonder.pay({
  amount: 15000,
  currency: 'ARS',
  return_url: 'https://your-store.com/checkout/complete',
  client_reference: 'ORD-001',
  payment_method: { type: 'qr' }, // or 'transfer'
});

For Hosted Checkout in Argentina, ask your Tonder contact.

Statuses and webhooks

Webhooks use the Short format, as in Mexico, with payment_method_type "qr" or "transfer" and currency "ARS". A payment_Success adds the payer's details at the root: sender_name, sender_tax_id, sender_account (masked), sender_bank and provider_transaction_id — the last one identifies the transaction at the processing institution, so don't build logic on it. A QR refund sends refund_Pending, then refund_Success or refund_Failed. Delivery and retries follow Delivery and retries.

Errors

Testing

Sandbox test data for Argentina comes from your Tonder contact. The rest of the sandbox setup is in Testing environment.

Amounts and local time

• Amounts are in ARS with 2 decimals. In your UI, render them the Argentine way: $ 1.234,56.
• The dashboard and reports show Argentine time, America/Argentina/Buenos_Aires (UTC-3, no daylight saving).

Not available yet

Cards, installments and 3DS in Argentina · USD or currency conversion · partial refunds · refunds of bank transfers through the API · Payment Links in ARS.

Next steps