Transferencias 3.0 & COELSA
Transferencias 3.0, Interoperable QR, and COELSA Integration
Connect your enterprise to Argentina's national instant payments network. Accept payments via interoperable QR codes from any bank or fintech wallet (Mercado Pago, Modo, Cuenta DNI, BNA+), process direct debits (DEBIN), and automate bank reconciliation with real-time webhooks at a fraction of credit card interchange fees.
Benefits
Why Deepyze for your Transferencias 3.0 & COELSA?
We work with industry best practices to guarantee real results.
Instant, irrevocable settlements (24/7/365)
Funds settle directly into your bank account (CBU) or virtual wallet (CVU) in under 5 seconds around the clock. Transfers are final and non-reversible, preventing fraudulent chargebacks.
Regulated, dramatically lower fee structure
Save up to 70% in processing costs: while credit cards charge 2.5% to 5% plus withholding, Transferencias 3.0 caps interchange fees at 0.8% under BCRA regulations.
Universal interoperable QR for all digital wallets
A single QR code displayed on screen or printed receipt accepts payments from any banking or fintech application in Argentina (Mercado Pago, Modo, Cuenta DNI, Ualá, BNA+).
Instant and recurring DEBIN payment mandates
Direct instant bank debits on authorized client accounts. Ideal for recurring B2B subscriptions, corporate supply chains, and wholesale orders with instant clearance.
Automated real-time ERP bank reconciliation
Every captured payment arrives with complete transaction metadata (Coelsa ID, payer Tax ID, invoice reference), updating your accounting system without manual spreadsheets.
High-availability idempotent webhooks
Resilient microservices featuring cryptographic signatures, exponential backoff retries, and duplicate message prevention for zero dropped bank notifications.
Process
How we build your Transferencias 3.0 & COELSA
A clear and transparent method so you always know which stage your project is at.
- 1
Architecture & clearing house / PSP connection
We define the connectivity path: direct COELSA integration, acquiring bank, or regulated PSP gateway, configuring mTLS certificates and sandbox credentials.
- 2
Dynamic QR & EMVCo payload generation
We implement dynamic QR encoding compliant with BCRA standards, embedding the exact amount, currency, recipient CUIT, and operational order reference.
- 3
Webhook processing & accounting reconciliation
We build secure receiver endpoints that process COELSA push notifications in real time, validating settlement and triggering ERP updates.
- 4
Interoperability certification & live rollout
We execute compliance testing across actual banking apps (Modo, Mercado Pago, Cuenta DNI) and deploy to production with real-time transaction monitoring.
Pricing
How much does it cost?
It depends on the scope: we define it together in a free discovery meeting and send you a fixed-price proposal.
FAQ
Frequently asked questions about Transferencias 3.0 & COELSA
What is the difference between static QR and dynamic interoperable QR?
Static QRs only contain account identifiers, forcing the buyer to type the amount manually and making automated reconciliation impossible. Dynamic interoperable QR codes generate a unique payload per order with the exact total and transaction ID, enabling sub-second invoice matching upon payment.
How much does a Transferencias 3.0 and COELSA integration cost?
It depends on the scope: we define it together in a free discovery meeting and send you a fixed-price proposal. Key factors are recurring DEBIN, direct bank connectivity and the number of POS terminals.
Does our company need a PSP registration to use Transferencias 3.0?
No. Enterprises can operate through sponsor banks (Galicia, Santander, Macro) or authorized payment aggregators without needing to obtain a formal BCRA PSP financial license.
How is duplicate transaction processing prevented (idempotency)?
We enforce strict idempotency keys based on the unique Coelsa ID. If the banking network replays a notification, our webhook pipeline recognizes the transaction and ignores duplicate accounting entries.
How quickly do funds clear and what are the transaction fees?
Settlement is instantaneous (under 5 seconds) 24/7/365. Fees are capped by Central Bank regulation at 0.8% for immediate clearing, significantly lower than credit card interchange.
Can it integrate with physical POS registers and electronic invoicing?
Yes. The solution connects with physical checkout terminals (displaying QR on secondary screens or printed tickets) and triggers instant AFIP/ARCA electronic invoice issuance with CAE upon payment.
Products we built
Our own software, running in production
- Fixed price
- We quote with closed scope and price. You know what it costs from day one, no surprises.
- The code is 100% yours
- When we finish, the repository, the infrastructure and the documentation are entirely in your name.
- Same time zone
- We work South American business hours. Meetings and answers with no time-zone delays.
- Proposal in 24-48 h
- After the first meeting you get a detailed written proposal, with no commitment and no fine print.
Damián Oliva
Founder of Deepyze
You work directly with the person who builds. Years building digital products in LATAM, Google Cloud Machine Learning certified.
Meet the founderReady to start your Transferencias 3.0 & COELSA project?
Tell us your idea and we'll prepare a no-commitment proposal in 24 hours.