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.

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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.

How we build your Transferencias 3.0 & COELSA

A clear and transparent method so you always know which stage your project is at.

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.

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.

Webhook processing & accounting reconciliation

We build secure receiver endpoints that process COELSA push notifications in real time, validating settlement and triggering ERP updates.

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.

Frequently asked questions about Transferencias 3.0 & COELSA

Everything you need to know before starting

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.

A custom dynamic QR and webhook reconciliation integration starts at USD 2,500. Large enterprise systems featuring recurring DEBIN, direct bank acquiring connectivity, or multi-terminal POS setups range from USD 4,500 to USD 7,500.

No. Enterprises can operate through sponsor banks (Galicia, Santander, Macro) or authorized payment aggregators without needing to obtain a formal BCRA PSP financial license.

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.

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.

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.

Productos que construimos

No es teoría: es software propio en producción

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Precio fijo en USD

Cotizamos con alcance cerrado en dólares. Sabés cuánto cuesta desde el día uno, sin sorpresas.

El código es 100% tuyo

Al finalizar, el repositorio, la infraestructura y la documentación quedan completamente a tu nombre.

Mismo huso horario

Trabajamos en horario de negocio de Sudamérica. Reuniones y respuestas sin delays por diferencia horaria.

Propuesta en 24-48 h

Después de la primera reunión recibís una propuesta detallada por escrito, sin compromiso ni letra chica.

Damián Oliva

Fundador de Deepyze

Trabajás directo con quien construye. Años desarrollando productos digitales en LATAM, certificado en Google Cloud Machine Learning.

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