PCT

PCT (Pago con Transferencia) is Argentina's BCRA-regulated QR-based instant transfer standard. When used as an origin, it generates a QR code that the user scans with any participating banking or fintech app.

Country: Argentina | Currency: ARS | Direction: Pay-in

Required fields

Field	Type	Description
type	string	Must be "PCT"
currency	string	Must be "ARS"
pct.customer.phoneNumber	string	Payer's phone number (digits only)
pct.customer.phoneNumberPrefix	string	Country code (e.g., "54" for Argentina)
pct.customer.email	string	Payer's email
pct.successUrl	string	Redirect URL on success
pct.failedUrl	string	Redirect URL on failure

Example

{
  "type": "PCT",
  "currency": "ARS",
  "pct": {
    "successUrl": "https://yourapp.com/success",
    "failedUrl": "https://yourapp.com/failed",
    "customer": {
      "phoneNumber": "1155551234",
      "phoneNumberPrefix": "54",
      "email": "[email protected]"
    }
  }
}

Response fields

Field	Description
pct.qrCode	QR code string for scanning

Display the qrCode to your user. They can scan it with Mercado Pago, BBVA, Galicia, Naranja X, or any other PCT-compatible app.

Valid destinations

When PCT is used as origin, the valid destinations are:

Node	Description
ACCOUNT	Internal platform account

OpenAPI reference

• Spec: conomyhq-api

• Component: pct

• Source: Payment API.yaml