The BCRA's Interfaz Estandarizada de Pagos establishes shared APIs, messaging and information exchange for Argentine immediate-transfer schemes. Payment initiation, requests and QR interactions connect banks and wallets, the interface layer for Transferencias 3.0 interoperability.
TL;DR:
- IEP defines common interoperability rules for Argentine immediate-transfer schemes.
- Its scope includes messaging, APIs, unique identifiers and QR payment requests.
- The ordered rules provide for gradual ISO 20022 adoption where applicable.
Summary
Common Interface Duty
The Interfaz Estandarizada de Pagos, IEP, is defined in section 4 of BCRA's complementary transfer rules. It must establish interoperability, messaging and information-exchange procedures, including APIs, common to immediate-transfer schemes. It is therefore a shared scheme interface requirement rather than the public API of a single bank or wallet.
Required Processes
The ordered text names unique transfer identification across schemes, initiation using IEP credentials, active and passive payment-by-transfer requests including QR interaction, information for interchange settlement and audit and active-account enquiries. These are required process areas. The rule's list is not itself a complete field catalogue or a working API contract for a specific participant.
Standards And Implementation
IEP is to adopt ISO 20022 as a general standard where applicable and gradually, with implementation definitions developed through CIMPRA and the relevant regulatory instruments. This wording does not establish that every existing message already uses an identical ISO 20022 version. BCRA retains a role in resolving implementation disagreements through further regulation.
User-Facing Effect
BCRA's Transferencias 3.0 explanation connects IEP with compatibility between bank and payment-provider accounts so customers can make account-based QR payments across participating apps. The common interface supports that experience, while provider authentication and operating arrangements remain separate. The maintained ordered text, not a historic launch article alone, supplies the current regulatory interface requirements.
Keywords
- Payment Interface
- Interoperability
- Common Messaging
- APIs
- Transfer Identifier
- QR Requests
- ISO 20022
- CIMPRA
- Account Query
- Argentina