Argentina Payment Gateway: Expand your Digital Commerce with Local Processing

Discover the power of the digital wallets kingdom in Latin America and what to expect in the market landscape.

Digital Commerce

  • Argentine digital commerce is expected to grow 26% annually through 2025.

  • The e-commerce penetration in Argentina went from 66% in 2020 to 77% in 2022.

Source: EBANX & AMI Datapack, 2022.

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Solutions

  • Pay-in with local relevant payment methods and hybrid funds settlement (domestic and/or international).

  • International and domestic payouts in local currency.

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Payment Methods

  • From cash-based to instant payment options, see all the payment methods available through EBANX in Argentina.

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Global companies selling with EBANX in Argentina

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Crypto, BNPL, wallets: Argentina has proven to be an inspiration for the adoption of innovative payment solutions

Home to about 46 million people, the fourth largest digital commerce market in Latin America is expected to grow with a CAGR of 26%, reaching $41 billion in market size until 2025. When we look at the payments landscape, the country has been one of the main pushers for innovation. It has the highest crypto penetration compared to other LatAm countries (51%), is home to successful BNPL players, and has presented impressive openness to digital wallets.

  • APMs share of 31.2%: Argentina's share of alternative payment methods in 2022 surpassed 30%.

  • Digital wallets: the most-used payments in 2022 in the country, over 72%.

  • +134% YoY growth rate: BNPL was the fastest-growing payment method in Argentina.

  • Mobile x Desktop: Argentine shoppers bought more using mobile devices (62%) over desktops (38%) in 2022.

  • Retail: is the industry leader in sales volume (about $13 billion in 2022) and also the one with the fastest annual growth rate (29%).

EBANX solutions
↪in Argentina

Rely on an expert payment partner to internationally manage your funds in Argentina, from pay-in to payout.

Pay-In

A variety of payment methods with solutions that increase your total addressable market by providing the most appropriate options for digital purchases and boosting your performance in cross-border sales with a reliable global settlement network.


  • 100+ direct connections with local acquirers

  • Optimized balance between approval rates and chargeback levels

  • Support and performance optimization on recurring payments

  • Unified reconciliation

  • Local Risk and Compliance Management

  • Optimized money flow considering multi-currency sales

  • One single and easy integration to accelerate go-live or upgrades

  • Exclusive and innovative technology developed in-house

More about Pay-In

Payout

Make payments to suppliers and partners in Argentine Pesos (ARS), using local payment methods. Easily add balance through wire transfer or processed amounts via EBANX.


  • Fast payouts with local payment methods

  • 90% average success rates

  • Request single and mass payouts in 3 easy steps

  • Work with amounts in USD or local currency

  • No minimum payout amount

  • Customizable reconciliation and detailed reports

More about Payout

Payment methods in Argentina

Credit card ownership is still very limited in Latin America, despite advances. Even though Argentina is the third LatAm country with the most people with access to credit, only 29% of locals own a card.


If we analyze the digital commerce payment behavior in 2022 (below), we see that domestic cards and digital wallets remain on the top. Eyes on Buy Now Pay Later, though. Although the adoption of BNPL solutions is still low, it was the fastest-growing method in Argentina.

Payments on digital commerce in Argentina (2022)

Sources: EBANX & AMI Datapack, 2022 | Beyond Borders 2022-2023.

*Includes cash on delivery, gift cards, and other miscellaneous payment methods.

Payment methods available in Argentina with EBANX.

Payment Methods
Installmentswhen a payment is made at intervals
Recurrence
International Settlement
Domestic Settlement
Rapi Pago
Pago Fácil
Installments

N/A

when a payment is made at intervals
Recurrence

No

International Settlement

Yes

Domestic Settlement

No

N/A
No
Yes
No
Visa
Mastercard
American Express
Diners Club
Naranja
Cabal
Nativa
Cordobesa
Argencard
Installments

Yes

when a payment is made at intervals
Recurrence

Yes

International Settlement

Yes

Domestic Settlement

Yes

Yes
Yes
Yes
Yes
Visa
Mastercard
American Express
Diners Club
Naranja
Cabal
Nativa
Cordobesa
Argencard
Installments

No

when a payment is made at intervals
Recurrence

Yes

International Settlement

Yes

Domestic Settlement

Yes

No
Yes
Yes
Yes
Mercado Pago
Mercado Pago Connect
Mercado Crédito (BNPL)
Installments

Yes, for Mercado Pago

when a payment is made at intervals
Recurrence

Yes, for Mercado Pago Connect

International Settlement

Yes

Domestic Settlement

No

Yes, for Mercado Pago
Yes, for Mercado Pago Connect
Yes
No

Email payment notifications

Besides having several payment methods available in the market, EBANX also cares about your customer experience. When your customers in Argentina place an order, EBANX sends a payment-created notification via email. They receive a reminder if the payment still needs to be done within 24 hours. Finally, after the payment is made, a confirmation message is sent by email.

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Payouts in Argentina available with EBANX

*Get in touch with us for restrictions or further details. 

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EBANX makes cross-border payments easy so you can focus on growth

Have a complete payment solution that helps your business cross borders and process international payments in Argentina and 17 other countries in Latin America and Africa.

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Keep reading about payments in rising markets

Beyond Borders

2022-2023

An overview of online commerce in Latin America and Africa

Download Study

Payments trends for 2023 in rising markets

How do Africans and Latin Americans buy and pay online?

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