Payment Service Providers: New Requirements

On August 28, 2025, the Argentine Central Bank issued Communication “A” 8309, establishing new requirements that Payment Service Providers (PSPs) must comply with, regardless of their functions.

Following the new Communication, as of December 31, 2025, PSPs must:

1. submit their annual financial statements, the external auditor’s report, and the certification issued by the relevant professional council no later than the last business day of the fourth month following the end of the fiscal year,
2. submit any updates or changes regarding the operational and commercial description of each PSP function, with annual ratification on December 31 of each year. The first filing must be submitted no later than January 22, 2026,
3. submit information regarding their most recent annual financial statements by October 10, 2025.

Requirement c) only applies to PSPs that are registered as such before the Argentine Central Bank as of August 28, 2025.

 

New Monthly Reporting Regime For Acquirers

Acquirers registered before the Argentine Central Bank will now have to submit their reports for the preceding month before the 22^nd day of each month.

On August 28, 2025, the Argentine Central Bank (BCRA) issued Communication “A” 8310, establishing a new reporting regime applicable to payment service providers (PSPs) engaged in acquiring activities. According to the Communication, acquirers must submit the report corresponding to the immediately preceding calendar month on the 22^nd day of each month. The first report must be submitted on January 22, 2026, for the period of December 2025.
 

For this, PSPs acting as acquirers must:

1. Regarding acquiring transactions, report[1]:

1. tax ID of the sub-acquirer/aggregator, if involved in the transaction,
2. code of the payment instrument used,
3. code of the payment scheme used,
4. place of issuance of the card the customer used,
5. tax ID of the entity that issued the card to the customer, specifying if the issuer is located abroad,
6. method of initiation/access channel,
7. payment modality used,
8. code of the provider of the interoperable digital wallet used,
1. merchant category code (MCC) of the merchant receiving the funds,
10. total number of transactions,
11. currency of origin,
50. total amount per currency of origin.

 

2. Regarding the stock of point-of-sale terminals (POS)[2]:

PSPs must report only the stock of physical terminals provided to or owned by merchants, including:

1. POS,
2. mobile point-of-sale terminals (mPOS),
3. integrated collection systems.

Information must be provided for each of the items above regarding the use of the POS and the number of POS devices.