Circular CONAU 1-1685: Information Regime for Payment Service Providers Offering Payment Accounts

"Year of the Reconstruction of the Argentine Nation" COMMUNICATION “A” 8284 23/07/2025 TO PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS:
Ref.: Circular CONAU 1-1685: Information Regime for Payment Service Providers Offering Payment Accounts.
___________________________________________________________________________ We address you to provide the sheets that, replacing those previously supplied, must be incorporated into the procedural rules of the referenced information regime based on the modifications disseminated through Communication A 8207, applicable from the reports corresponding to the July 2025 period, with a due date of August 22, 2025, as stipulated in Communication A 8231. We extend our cordial greetings. CENTRAL BANK OF THE ARGENTINE REPUBLIC Rodrigo J. Danessa Estela M. del Pino Suárez Chief Manager of Information Regime and Credit Bureaus Deputy General Manager of Information Regime and Financial Services User Protection
ANNEX

TABLE OF CONTENTS
Section I – General Instructions
Section II – SECTION A: Supervisory Information
II.1. Specific Instructions
II.2. Information Model
Section III – SECTION B: Statistical Information – National Payments System
III.1. Specific Instructions
III.2. Information Model
III.3. Supplementary Tables
III.4. Description of Requested Concepts
Section IV – SECTION C: Quarterly Information
B.C.R.A. INFORMATION REGIME FOR PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS Version: 3rd. COMMUNICATION “A” 8284 Effective Date: 01/07/2025 Page 1

The deadline for submitting the information included in Sections A and B will operate -for all payment service providers offering payment accounts (PSPCP)- on the 22nd day of the month following the month to which the data correspond (or the next business day), while the deadline for submitting Section C will operate on the 20th day of the month following the end of each calendar quarter. The first period for which information must be submitted -month for Sections A and B, calendar quarter for Section C- will be the one in which the Superintendence of Financial and Exchange Entities has issued the registration certificate in the “Registry of Payment Service Providers”. The amounts will be recorded in thousands of pesos, without decimals. For rounding purposes, values will be increased by one unit when the first digit of the fractions is equal to or greater than 5, discarding those that are lower. The information will be submitted in accordance with the regulations on “Submission of Information to the Central Bank of the Argentine Republic”. B.C.R.A. INFORMATION REGIME FOR PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS
SECTION I – GENERAL INSTRUCTIONS
Version: 6th. COMMUNICATION “A” 8284 Effective Date: 01/07/2025 Page 1

II.1. Specific Instructions
Regarding each day of the reporting month, data detailed in this Section must be compiled. Furthermore, client inventories, bank statements, and all supporting documentation for the requested information on payment accounts and common money funds must be kept available to the B.C.R.A. a. Client payment accounts a.1. Balance corresponding to funds credited in clients' payment accounts. a.2. Number of payment accounts holding client balances. a.3. Total number of clients' payment accounts. a.4. For each financial entity where clients' payment account funds are credited, the following must be reported:

• Uniform Banking Key (CBU)
• Balance in checking account
  b. Balances invested in common money funds reported to clients b.1. Client balances invested in common money funds. b.2. Number of clients with investments in common money funds. b.3. For each common money fund in which client funds are invested, the following must be reported:
• Fund registration number, issued by the National Securities Commission
• Name or corporate title of the common money fund
• Balance of the common money fund corresponding to PSPCP client funds
• Agent Type:
  I. Collective Investment Product Administration Agent or Management Company
  II. Collective Investment Product Custody Agent or Depository Company
  III. Placement and Distribution Agent
• Name or corporate title of the Agent
• Unique Tax Identification Key (C.U.I.T.) of the Agent
  c. Balances to be settled
  c.1. Balance pending credit in clients' payment accounts. c.2. Number of payment accounts holding balances pending settlement. This refers to balances pending credit in clients' payment accounts, such as sales made by merchants whose charges use a payment method that does not result in immediate fund crediting (e.g., credit card), due to an agreed term with the PSPCP -and based on prevailing substantive regulations- for their effective settlement in the payment account. B.C.R.A. INFORMATION REGIME FOR PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS
  SECTION II – SECTION A: SUPERVISORY INFORMATION
  Version: 4th. COMMUNICATION “A” 8284 Effective Date: 01/07/2025 Page 1

II.2. Information Model
Code | Line Item | Concept | Balance | Quantity | CBU/Fund Reg. No.
Client payment accounts
10000dd | Sum of client payment account balances 50000dd | Total number of clients' payment accounts 20000dd | Balances in checking accounts by financial entity Investments in common money funds 30000dd | Sum of balances invested in common money funds 40000dd | Balances invested per common money fund 60000dd | Sum of balances to be settled in payment accounts B.C.R.A. INFORMATION REGIME FOR PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS
SECTION II – SECTION A: SUPERVISORY INFORMATION
Version: 4th. COMMUNICATION “A” 8284 Effective Date: 01/07/2025 Page 2

III.1. Specific Instructions
The following data must be compiled monthly according to the attributes detailed in points a, b, and d of this section and according to the “Information Model” in point III.2.:

1. Number of transactions
2. Total amount
   Furthermore, quantities regarding the additional data detailed in point c must be compiled. a. For all transactions executed They will be classified based on whether they correspond to credits and/or debits executed by the PSPCP, the type of account to be credited, the type of holder (when referring to “Own Payment Account”), and the initiation method, according to the line item details included in the “Information Model” of point III.2. In turn, each of these line items will be grouped according to the payment method and payment scheme corresponding to Tables 1 and 2, respectively, detailed in point III.3. Transactions must be reported at the moment they were settled, regardless of their booking date. Credits and/or debits will be reported when a PSPCP client's payment account is affected. This includes movements of funds that are invested and redeemed, as well as interest earned. Credits must be reported net of commissions and taxes. Only amounts effectively deposited into clients' payment accounts should be reported. In the case of debits, amounts effectively withdrawn from clients' payment accounts must be reported. b. For transfers They will be classified based on the line item details included in the “Information Model” of point III.2., according to whether they correspond to:
   b.1. From CVU to CBU b.2. From CBU to CVU b.3. From CVU to CVU sent b.4. From CVU to CVU received The information included in this point (line items 500X000 for Transfers) must also be reported disaggregated within line items 10XXXXX (credits) and 20XXXXX (debits), as applicable, and according to Table 1 “Payment Methods” (instant “push” or “pull” transfers) and Table 2 “Payment Schemes” (bank transfers from/to CBU or CVU). It must be completed with transfers executed through the CVU and not administered by the PSPCP. That is, all other transfers made via a PSPCP-specific scheme that were not processed through a CVU are excluded from this point, for example: phone number, email address, etc. Transfers made via proprietary payment schemes must be included in line items 10XXXXX (credits) and 20XXXXX (debits), as applicable, as “push” / “pull” transfers.
   c. Additional information on clients and accounts (by holder type)
   c.1. Total number of clients involved in points a and b of this Section, disaggregated by commercial or personal/non-commercial use. c.2. Total number of payment accounts involved in points a and b of this Section, disaggregated by commercial or personal/non-commercial use. c.3. Total number of clients, disaggregated by commercial or personal/non-commercial use. c.4. Total number of payment accounts, disaggregated by commercial or personal/non-commercial use. d. Loans In the case of PSPCPs that are also legally authorized to grant financing as non-financial credit providers, they must report data on loans granted and cancelled that were credited or debited -respectively- in their clients' payment accounts during the reporting month. The information included in this point (line items 70XX000 for Loans) must also be reported disaggregated within line items 10XXXXX (credits) and 20XXXXX (debits), as applicable, and according to Table 1 (Payment Methods) and Table 2 (Payment Schemes). e. Reasonableness control regarding balances reported in Section A The total balance of funds credited in clients' payment accounts corresponding to the last day of the reporting month reported in Section A must equal that submitted for the last day of the preceding month in said Section A plus the sum of credits and minus the sum of debits from Section B corresponding to the reporting month. B.C.R.A. INFORMATION REGIME FOR PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS
   SECTION III – SECTION B: STATISTICAL INFORMATION – NATIONAL PAYMENTS SYSTEM
   Version: 3rd. COMMUNICATION “A” 8284 Effective Date: 01/07/2025 Page 1

III.2. Information Model
XX: 10 = natural persons; 20 = legal entities.
B.C.R.A.
INFORMATION REGIME FOR PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS
SECTION III – SECTION B: STATISTICAL INFORMATION – NATIONAL PAYMENTS SYSTEM
Code | Line Item | Concept | Payment Methods Table 1 | Payment Scheme Table 2 | Number of transactions | Total amount CREDITS IN Own Payment Account – Commercial 10101XX MobileApp-NFC Contactless 10102XX MobileApp-QR 10103XX MobileApp-Payment Button 10104XX WebApp-Payment Button 10105XX POS/MobilePOS-Magnetic Stripe 10106XX POS/MobilePOS-NFC Contactless 10107XX POS/MobilePOS-EMV Chip 10108XX Branch/Agent/Merchant 10109XX ATM 10199XX Not available/Not known Own Payment Account – Personal/Non-commercial 10201XX MobileApp-NFC Contactless 10202XX MobileApp-QR 10203XX MobileApp-Payment Button 10204XX WebApp-Payment Button 10205XX POS/MobilePOS-Magnetic Stripe 10206XX POS/MobilePOS-NFC Contactless 10207XX POS/MobilePOS-EMV Chip 10208XX Branch/Agent/Merchant 10209XX ATM 10299XX Not available/Not known B.C.R.A. INFORMATION REGIME FOR PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS
SECTION III – SECTION B: STATISTICAL INFORMATION – NATIONAL PAYMENTS SYSTEM
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III.2. Information Model (continued)
Code | Line Item | Concept | Payment Methods Table 1 | Payment Scheme Table 2 | Number of transactions | Total amount DEBITS TO Own Payment Account – Commercial 20101XX MobileApp-NFC Contactless 20102XX MobileApp-QR 20103XX MobileApp-Payment Button 20104XX WebApp-Payment Button 20105XX POS/MobilePOS-Magnetic Stripe 20106XX POS/MobilePOS-NFC Contactless 20107XX POS/MobilePOS-EMV Chip Own Payment Account – Personal/Non-commercial 20201XX MobileApp-NFC Contactless 20202XX MobileApp-QR 20203XX MobileApp-Payment Button 20204XX WebApp-Payment Button 20205XX POS/MobilePOS-Magnetic Stripe 20206XX POS/MobilePOS-NFC Contactless 20207XX POS/MobilePOS-EMV Chip Account of another PSPCP 2030100 MobileApp-NFC Contactless 2030200 MobileApp-QR 2030300 MobileApp-Payment Button 2030400 WebApp-Payment Button 2030500 POS/MobilePOS-Magnetic Stripe 2030600 POS/MobilePOS-NFC Contactless 2030700 POS/MobilePOS-EMV Chip Account of Financial Entity (EF) 2040100 MobileApp-NFC Contactless 2040200 MobileApp-QR 2040300 MobileApp-Payment Button 2040400 WebApp-Payment Button 2040500 POS/MobilePOS-Magnetic Stripe 2040600 POS/MobilePOS-NFC Contactless 2040700 POS/MobilePOS-EMV Chip Others 2050100 Branch/Agent/Merchant 2050200 ATM XX: 10 = natural persons; 20 = legal entities. B.C.R.A. INFORMATION REGIME FOR PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS
SECTION III – SECTION B: STATISTICAL INFORMATION – NATIONAL PAYMENTS SYSTEM
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III.2. Information Model (continued)
Code | Line Item | Concept | Payment Methods Table 1 | Payment Scheme Table 2 | Number of transactions | Total amount TRANSFERS 5001000 From CVU to CBU 5002000 From CBU to CVU 5003000 From CVU to CVU credited 5004000 From CVU to CVU debited Code | Line Item | Concept | Payment Methods Table 1 | Payment Scheme Table 2 | Number of transactions | Total amount CLIENTS AND ACCOUNTS Total clients involved in transactions 60110XX Commercial 60120XX Personal/Non-commercial Total clients involved in transfers 60130XX Commercial 60140XX Personal/Non-commercial Total payment accounts involved in transactions 60210XX Commercial 60220XX Personal/Non-commercial Total payment accounts involved in transfers 60230XX Commercial 60240XX Personal/Non-commercial Total clients 60310XX Commercial 60320XX Personal/Non-commercial Total payment accounts 60410XX Commercial 60420XX Personal/Non-commercial XX: 10 = natural persons; 20 = legal entities. Code | Line Item | Concept | Payment Methods Table 1 | Payment Scheme Table 2 | Number of transactions | Total amount LOANS 7011000 Granted to clients 7012000 Cancelled by clients B.C.R.A. INFORMATION REGIME FOR PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS
SECTION III – SECTION B: STATISTICAL INFORMATION – NATIONAL PAYMENTS SYSTEM
Version: 3rd. COMMUNICATION “A” 8284 Effective Date: 01/07/2025 Page 5

III.3. Supplementary Tables
TABLE 1: Payment Methods
Code | Description
1 Credit card
2 Debit card
3 Prepaid card
5 Cash
6 Instant “push” transfers
7 Instant “pull” transfers
8 Transfer payments (TP)
9 Immediate debit – Spot
10 Immediate debit – Recurring
TABLE 2: Payment Schemes
If the payment method is recorded as: credit card / debit card / prepaid card, the brand code assigned in the table named “Card Brands Table” available on the exclusive BCRA website (https://www3.bcra.gob.ar) must be integrated. In other cases, it will be completed as follows:
Code | Description
00007 Bank transfers from/to CBU
00008 Bank transfers from/to CVU
00009 Proprietary payment scheme
B.C.R.A.
INFORMATION REGIME FOR PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS
SECTION III – SECTION B: STATISTICAL INFORMATION – NATIONAL PAYMENTS SYSTEM
Version: 2nd. COMMUNICATION “A” 8284 Effective Date: 01/07/2025 Page 6

III.4. Description of Requested Concepts
Initiation Method/Access Channel
MobileApp-NFC Contactless: initiation method where the payer (ordering client) places their mobile phone on a contactless NFC reader of the merchant (receiving client). MobileApp-QR: initiation method where the payer scans a QR code displayed by the merchant using their mobile phone. MobileApp-Payment Button: initiation method where the ordering client makes a payment or transfer by accessing a link/button within a mobile application. WebApp-Payment Button: initiation method where the ordering client makes a payment or transfer by accessing a link/button on a website. POS/MobilePOS-Magnetic Stripe: initiation method where payment is made by reading, via a point-of-sale (POS) terminal, the credentials of a payment card through the magnetic stripe. POS/MobilePOS-NFC Contactless: initiation method where payment is made by reading, via a point-of-sale (POS) terminal, the credentials of a payment card through the contactless NFC chip. POS/MobilePOS-EMV Chip: initiation method where payment is made by reading, via a point-of-sale (POS) terminal, the credentials of a payment card through the EMV chip. Branch/Agent/Merchant: access channel used when a payment, deposit, or withdrawal is made in cash at a merchant or collection agency. ATM: access channel used when a payment, deposit, or withdrawal is made in cash via an automated teller machine. Not available/Not known: concept to be used when information on the initiation method or access channel of transactions is unavailable. Account to be credited “Commercial” payment account: must be used when the account's usual movements are related to the client's commercial activity (can be a natural or legal person). The criterion for defining the category based on habitual use is attributed by each PSPCP. “Personal/non-commercial” payment account: must be used when movements are not related to commercial activities (can be a natural or legal person). Account of another PSPCP: used when the recipient of the payment or transfer credits their funds in a payment account of another PSPCP different from the one submitting to the Information Regime. Account of Financial Entity (EF): used when the recipient of the payment or transfer credits their funds in a bank account. Others: used when funds are not credited to an account but withdrawn in cash. Transfers From CVU to CBU: transfers processed from the PSPCP clients' CVU to accounts in financial entities. From CBU to CVU: transfers received from accounts in financial entities to the PSPCP clients' CVU. From CVU to CVU credited: transfers received from payment accounts (of another PSPCP or the submitting PSPCP) to the PSPCP clients' CVU. From CVU to CVU debited: transfers processed from the PSPCP clients' CVU to payment accounts (of another PSPCP or the submitting PSPCP). Payment Methods Instant “push” transfers: fund disbursements that debit the ordering client's account and credit the receiving client's account instantly. Instant “pull” transfers: fund requests or
orders that allow, through the debit of the requesting client's account -checking or payment- and prior authorization or consent, whether tacit or explicit, the immediate crediting of funds in the requesting client's account. Transfer payments (TP): instant transfers used to make a payment for the acquisition of goods and/or services with the participation of an acceptor. The acceptor offers merchants tools to charge using this payment method. TPs have commercial rules different from other instant transfers. Immediate debit (DEBIN): online transfer in