QRA

Quick Reference

WhatQRA payments (Argentina)

WhyInstant QR payments in Argentina — interoperable across all banks and fintechs

Reading Time10 min

DifficultyBeginner

PrerequisitesAuthentication → Environment

Argentina market context

Transferencias 3.0 (BCRA-regulated) delivers interoperable QR payments across banks and fintechs. One QR works with any participating app.

Why QRA

Advantage	Detail
Interoperable	Any Argentine banking or wallet app can scan and pay
Instant settlement	Real-time transfer via BCRA clearing
No chargebacks	Push payment — irrevocable once confirmed
Broad reach	90%+ of adults with bank or wallet access

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Payment flow

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Step-by-step

1. Create charge — POST with type_charge: "qra" and currency: "ARS".
2. Render QR — Use qra_payload.qr_code (Base64 PNG).
3. Payer scans — Any compatible app completes the transfer.
4. Webhook — Listen for paid, canceled, or terminal errors.

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Create a QRA charge

cURL

curl -X POST https://core-manager.a55.tech/api/v1/bank/wallet/charge/ \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "wallet_uuid": "00000000-0000-0000-0000-000000000000",
    "merchant_id": "11111111-1111-1111-1111-111111111111",
    "payer_name": "María García",
    "payer_email": "maria.garcia@example.com",
    "payer_tax_id": "27123456789",
    "payer_cell_phone": "+5491155551234",
    "installment_value": 5000,
    "installment_count": 1,
    "items": [{"name":"Zapatillas","quantity":1,"total_amount":5000,"unit_amount":5000,"sku":"ZAP-001","code":"Z001"}],
    "payer_address": {"street":"Corrientes","address_number":"1200","complement":"","neighborhood":"Centro","city":"CABA","state":"C","postal_code":"C1043","country":"AR"},
    "currency": "ARS",
    "due_date": "2026-12-31T23:59:59Z",
    "description": "Compra via QRA",
    "type_charge": "qra",
    "webhook_url": "https://yoursite.com/webhook",
    "redirect_url": "https://yoursite.com/"
  }'

Python

import requests

charge = requests.post(
    "https://core-manager.a55.tech/api/v1/bank/wallet/charge/",
    headers={"Authorization": f"Bearer {access_token}", "Content-Type": "application/json"},
    json={
        "wallet_uuid": "00000000-0000-0000-0000-000000000000",
        "merchant_id": "11111111-1111-1111-1111-111111111111",
        "payer_name": "María García",
        "payer_email": "maria.garcia@example.com",
        "payer_tax_id": "27123456789",
        "payer_cell_phone": "+5491155551234",
        "installment_value": 5000,
        "installment_count": 1,
        "items": [{"name": "Zapatillas", "quantity": 1, "total_amount": 5000, "unit_amount": 5000, "sku": "ZAP-001", "code": "Z001"}],
        "payer_address": {"street": "Corrientes", "address_number": "1200", "complement": "", "neighborhood": "Centro", "city": "CABA", "state": "C", "postal_code": "C1043", "country": "AR"},
        "currency": "ARS",
        "due_date": "2026-12-31T23:59:59Z",
        "description": "Compra via QRA",
        "type_charge": "qra",
        "webhook_url": "https://yoursite.com/webhook",
        "redirect_url": "https://yoursite.com/",
    },
)
qr_image = charge.json()["qra_payload"]["qr_code"]

JavaScript

const response = await fetch(
  "https://core-manager.a55.tech/api/v1/bank/wallet/charge/",
  {
    method: "POST",
    headers: {
      Authorization: `Bearer ${accessToken}`,
      "Content-Type": "application/json",
    },
    body: JSON.stringify({
      wallet_uuid: "00000000-0000-0000-0000-000000000000",
      merchant_id: "11111111-1111-1111-1111-111111111111",
      payer_name: "María García",
      payer_email: "maria.garcia@example.com",
      payer_tax_id: "27123456789",
      payer_cell_phone: "+5491155551234",
      installment_value: 5000,
      installment_count: 1,
      items: [{ name: "Zapatillas", quantity: 1, total_amount: 5000, unit_amount: 5000, sku: "ZAP-001", code: "Z001" }],
      payer_address: { street: "Corrientes", address_number: "1200", complement: "", neighborhood: "Centro", city: "CABA", state: "C", postal_code: "C1043", country: "AR" },
      currency: "ARS",
      due_date: "2026-12-31T23:59:59Z",
      description: "Compra via QRA",
      type_charge: "qra",
      webhook_url: "https://yoursite.com/webhook",
      redirect_url: "https://yoursite.com/",
    }),
  }
);
const { qra_payload } = await response.json();

UTF-8 QR encoding

Encode qra_payload for QR generation with UTF-8 and no transforms — altered bytes break scanning.

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Response example

{
  "charge_uuid": "81f0045c-301a-45c4-96bc-5395f7cf35f9",
  "local_currency": 5000,
  "currency": "ARS",
  "type": "qra",
  "status": "issued",
  "qra_payload": {
    "qr_code": "data:image/png;base64,iVBORw0KGgoAAAANSUh…",
    "expiration_date": "2026-01-15 18:30:00.000000"
  }
}

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Status lifecycle

Status	Description
issued	QR issued; awaiting payment
paid	Confirmed by the clearing network
canceled	Expired or voided
refunded	Refund processed when eligible

PFC →Pago Fácil cash vouchersPIX →Brazil instant QR paymentsCreate charge →Endpoint reference