The BCRA seeks to enable the possibility of carrying out transactions in pesos and dollars without distinction.
He Central Bank (BCRA) reported that it approved a set of regulations in order to promote currency competition so that people and businesses can use the currency they want in their daily transactions. These initiatives seek to equalize the efficiency of the different payment methods, both in pesos and dollars, which seeks to boost the use of payment instruments in dollars for commercial operations in the local market.
With the purpose that Businesses that want to accept payments in dollars with debit cards can do sothe BCRA ordered that acquirers and sub-acquirers, which are the companies that mediate between commerce and clients to process payments, develop and make available the necessary tools for this to happen before February 28.
Additionally, The Board of Directors decided to incorporate debit card payments in pesos and dollars into the interoperable QR systemexpanding the options that already included interoperability for payments by transfer, credit card and prepaid cards. This measure expands the possibilities and improves the experience of customers and businesses who will be able to make and receive payments with any instrument they have enrolled in their wallet, simply by scanning any QR code.
Bimonetary DEBIN is enabled
The BCRA also created a new variant of recurring DEBIN (Immediate Debit), called “Scheduled DEBIN”, which allows account holders to pay for purchases of goods or services in fixed installments in pesos or dollars with a single authorization. This instrument includes additional security measures to prevent fraud and avoid its use in games of chance.
This was established by the Communication “A” 8180which established that “debit card payments in US dollars must be available to businesses that wish to accept that payment method.” Likewise, it established that the rules will be in force as of February 28 of this year and, on the other hand, allows the application of the QR payment rules, which govern payments in pesos, for transactions in dollars as of April 1, 2025.
The entities involved will have until February 28 to implement the scheduled DEBIN. The incorporation of the interoperable QR for debit card payments, both in dollars and pesos, must be in operation before April 1.
Source: Ambito
