PCT

Rail overview

Use PCT when the payer should complete an Argentine transfer through a QR or interoperable transfer experience.

Conomy creates the payment instruction, returns the rail data to present to the payer, and advances the payment once the provider confirms the transfer.

Region Argentina

Currency ARS

Direction Pay-in

Model Interoperable QR transfer

Pair PCT with TOPUP_ACCOUNT or PURCHASE when the user is actively present and can complete the transfer immediately.

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": "usuario@example.com"
    }
  }
}

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

Object

qrCodestring

The QR code string that can be rendered or scanned for interoperable transfer payments in Argentina under the BCRA's PCT (Transfer QR) standard.

customerobjectrequired

Information on who pays the transaction

idstring

Unique identifier for the internal service.

firstNamestringrequired

Payer's name

emailstring

Payer's email

lastNamestring

Payer's last name

phoneNumberstring

Payer's phone number without prefix

phoneNumberPrefixstring

Phone number prefix (e.g., +57)

documentTypestring

Documeny type of the entity (e.g., RUT, CURP, CURL). Go to the Supported Identity document types page for the complete list of supported values.

documentNumberstring

The document number associated with the documentType

addressobjectshow 8 properties

The entity’s address information.

successUrlstring

Redirect url in case of success

failedUrlstring

Redirect url in case of failure