Argentina

Pago Fácil - CABA & PROVINCIA

Product Overview

Why is this important?

  • Pago Fácil is one of the most popular and widely used cash payment networks in Argentina, with over 4,000 physical locations across the country (including convenience stores, pharmacies, supermarkets, etc.)

  • Cash payment methods are essential for PSPs operating in Argentina due to the large portion of the population that remains unbanked or prefers cash

  • Major merchants have directly requested the inclusion of this payment method to meet local demand

  • It enables merchants to reach a broader audience, especially in low to middle-income segments and rural areas

What are the key benefits?

  • Provides a secure and instant cash payment option, with funds immediately reflected in the merchant's account

  • Promotes financial inclusion by allowing users to pay in cash for online purchases

  • Increases conversion rates by offering a familiar and trusted payment method for local consumers

  • Helps reduce checkout abandonment by catering to users who do not use cards or digital wallets

What problem does it solve?

  • Bridges the gap between digital platforms and consumers who operate primarily in cash

  • Addresses the lack of payment alternatives for unbanked or underbanked users

  • Simplifies the cash-in process for users and provides real-time confirmation for merchants

  • Solves merchants' need for a widely trusted, compliant, and regulated cash solution to operate effectively in the Argentine market

Flow Overview

Transaction Flow

  1. Customer: Payer needs a product/service
  2. Shop: Start a transaction
  3. PayRetailers: Generates a Payment Reference
  4. Payer: Present the reference in PagoFacil
  5. Pago Fácil: Receive Payment Reference
  6. Pago Fácil: Validate Payment Reference
  7. Pago Fácil: Return Reference confirmation
  8. Pago Fácil: Confirm Payment
  9. Payer: Execute Payment
  10. Pago Fácil: Notify Payment
  11. PayRetailers: Update transaction and notify to Shop
  12. Shop: Update transaction and deliver product/service

User Flow

1. Select Cash Payment Method

The user is presented with multiple payment options:

  • Transferencia bancaria (Bank Transfer)
  • Pago en efectivo (Cash Payment)
  • Tarjeta (Card)

Purchase summary shows:

  • Item: Depósito en la cuenta 346579
  • Quantity: x1
  • Amount: ARS 1300,00
  • Total: ARS 1300,00

2. Select Pago Fácil

Within the cash payment option, the user selects between:

  • Rapipago
  • PagoFacil

3. Received Payment Reference

The user receives a payment voucher with:

Customer Information:

Payment Details:

  • Amount to pay: 1,000.00 ARS
  • Expiration: 08 Feb 2025 13:15:52
  • Payment Reference: 150206000003

Instructions:

  1. Dirígete a cualquier punto de PagoFácil
  2. Indica que realizarás un pago de PayRetailers
  3. Presenta la referencia de pago
  4. Realiza el pago en efectivo por valor respectivo
  5. Conserva el ticket de pago para cualquier aclaración

Transaction Information:

  • Complete payment for: Test 001
  • Store: Producto Test Shop TS ARS

Options available:

  • Copy code
  • Return to merchant
  • Download voucher

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