Circular RUNOR 1-1888: Information Regime for Payment Service Providers Offering Payment Accounts (R.I. - P.S.P) - Amendments — BCRA — AR

"Year of the Reconstruction of the Argentine Nation" COMMUNICATION "A" 8208 28/02/2025 TO PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS:
Ref.: Circular
RUNOR 1-1888:
Information Regime for Payment Service Providers Offering Payment Accounts (R.I. - P.S.P). Amendments ___________________________________________________________________________ We address you to deliver the sheets that correspond to replace in Section 69 of "Submission to the Central Bank" related to the provisions disseminated through Communication "A" 8207, effective for the April 2025 information whose deadline is May 22, 2025. In this regard, the following modifications are highlighted:
Supervision Information:

Adjustment of points 69.1.1.2, 69.1.2.1, 69.1.2.2. and 69.1.4 (record design).
Incorporation of point 69.1.2.4 and point 69.1.5 related to the alert message.
We inform you that the PSPCP will have the obligation to enter the secure site www3 and verify if there are published alert reports in the query called "Alerts to verify".
Adjustment of validation controls 1, 4, 8 and 13 and incorporation of controls 14 to 17.
Statistical Information – National Payments System
Remuneration of points 69.2.1.3 and 69.2.1.4.
Adjustment of points 69.2.2.2, 69.2.2.3, 69.2.2.4 and 69.2.4 (record design).
Incorporation of point 69.2.2.5
Adjustment of validation controls 1 and 4.
Incorporation of controls 10 to 15.

-2-
We greet you sincerely.
CENTRAL BANK OF THE ARGENTINE REPUBLIC
Rodrigo J. Danessa Estela M. del Pino Suárez Signature 2 Principal Manager of Information Regime and Information Centers General Manager of Information Regime and Protection of Users of Financial Services Functional Position
ANNEX

69.1. Supervision Information.
69.1.1. General Instructions.
69.1.1.1. The information to be sent monthly will be recorded in two variable-length files named "CUENTASCLIENTES.TXT" and "DATOSFONDOS.TXT" which will contain the data according to the record designs inserted in point 69.1.4., taking into account what is provided in point 1.2.3.1. of Section 1 of "Submission of Information to the Central Bank".
69.1.1.2. The information to be sent quarterly will be recorded in the file named "INFESPECIAL.PDF" which must respect what is provided in point 1.2.3.3. of Section 1 of "Submission of Information to the Central Bank", and will be sent together with the monthly information corresponding to the periods January, April, July and October of each year. It is highlighted that this requirement will not allow the option "OPERA=FALSE" in the file "DETALLE.XML".
69.1.1.3. For the identification of this regime, 100 will be used for the regime code and for the requirement code, the following table must be taken into account:
File Description Requirement Code Frequency
TXT "CUENTASCLIENTES.TXT" 1 Monthly
TXT "DATOSFONDOS.TXT" 1 Monthly
PDF "INFESPECIAL.PDF 2 Quarterly
69.1.1.4. The aforementioned files must be sent according to what is established in point 1.2.2. of Section 1 of "Submission of Information to the Central Bank" for the file transfer service on the exclusive site www3 (MFT).
69.1.2. Particular Instructions.
69.1.2.1. The information required in the information model inserted in point II.2 of Section A of the NP., will be recorded in a file named "CUENTASCLIENTES.TXT" and the data of the common money funds provided in point II.1.b.3 will be recorded in a file named "DATOSFONDOS.TXT".
69.1.2.2. For each of the days of the month under report - business and non-business days -, the items of the information model of point II.2 of the NP will be recorded integrating the non-shaded fields, even if they are values equal to zero, with the exception of item 50000dd which will not admit said value. The shaded fields will be reported with a null value (";;").
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69.1.2.3. For each "Money Fund No." reported in the file "CUENTACLIENTES.TXT", a record will be reported in the file "DATOSFONDOS.TXT" for each agent involved.
69.1.2.4. The PSPCP that do not offer investments in common money funds, will only record items 30000dd and 40000dd corresponding to the last day of the month with a null value (";;") in all fields and will not record the file "DATOSFONDOS.TXT".
69.1.3. Validation of information.
The lists corresponding to the results of the validation processes will be available on the secure site https://www3.bcra.gob.ar.
69.1.4. Record Design.
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Name: "CUENTASCLIENTES.TXT" Sheet 1 of 1
No.
Field
Name Type Maximum Length
(1)
Observations
1 Item Code Numeric 7 According to point 69.1.2.2. of these instructions. 2 Balance Numeric 11 According to point 69.1.2.2. of these instructions. 3 Quantity Numeric 11 According to point 69.1.2.2. of these instructions. 4 CBU / Money Fund No. Numeric 22 According to point 69.1.2.2. and
69.1.2.3. of these instructions.
(1) The delimiter ";" must be used as a field separator.
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69.1.5. Alert Report
The PSPCP must access the secure site https://www3.bcra.gob.ar, and verify if in the query called "Alerts to verify", there are alert messages related to the information sent. In this sense, it will be controlled that, for the last day of the month, the balance reported in item 10000dd corresponds to the one calculated by the BCRA according to the following detail:
Item 10000ddn = 10000dd (n-1) + Section B (∑10XXXXXn - ∑20XXXXXn) "dd" = last day of the month n= month under report n-1= month previous to the period under report Admitted tolerance value: 10% It is highlighted that, in case of presenting corrective information of a period with impact on these items, the subsequent periods must be presented additionally to reflect the correct transfer of balances. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
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69.1.6. Validation Error Table.
Code Legend Cause
01 FILE "XXXXX.TXT" AND/OR
"XXXXX.PDF" NOT FOUND
− −The file "XXXXX.TXT" (requirement 1) was omitted to be recorded, or the reported file does not correspond to the record design, or − "OPERA=FALSE" was declared in the file "DETALLE.XML" for the file "XXXXX.TXT" (requirement 1), having declared "OPERA=TRUE" for the file "XXXXX.TXT" (requirement 3), or vice versa, or − The file "XXXXXX.PDF" (requirement 2) was omitted to be recorded, or the reported file does not correspond to the record design, or "OPERA=FALSE" was declared in the file "DETALLE.XML". 02 SUBJECT CODE INCORRECTLY REPORTED The subject code does not correspond to one authorized for this regime 03 INFORMATION DATE INCORRECT OR ADVANCED − Information corresponding to an non-existent date was sent, or − A period was reported with the previous one not being valid. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
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Code Legend Cause
04 FORMAT ERROR –
RECORD XXX
− The file(s) "XXXXX.TXT" do not respect the instructions provided in point 69.1.1.1. of these instructions. − The field(s) detailed were not recorded according to what is established in the record design of point 69.1.4. of these instructions, according to the following detail:
Design Field Admitted Value
CUENTASCLIENTES.TXT
1 Item Code according to point
69.1.2.1. of these instructions
2 to 4 Numeric values: - admits
NULL ";;"

does not admit
negative sign
"-"
Design Field Admitted Value
DATOSFONDOS.TXT
1 Code provided in CNV
2 and 4 Admitted characters.
3 Admitted codes.
5 Numeric values
05 INCORRECTLY REPORTED CUIT (APPLICABLE FILE "DATOSFONDOS.TXT"
The identification number reported does not correspond to a valid Unique Tax Identification Key (CUIT).
06 MISSING INFORMATION IN
MANDATORY FIELDS
Some of the required fields were omitted to be reported according to what is established in point
69.1.2.2. and 69.1.2.3. of these instructions.
07 MISSING ITEM REPORT
XXXXXdd (APPLICABLE FILE "CUENTASCLIENTES.TXT")
Item XXXXXdd was not reported for one or
more days of the period. (Not applicable when only items 30000dd and 40000dd are reported when dd corresponds to the last day of the month). B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
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Code Legend Cause
08 INCONSISTENCY BETWEEN FILES "DATOSFONDOS.TXT" AND "CUENTAS CLIENTES.TXT"

Having reported a common money fund code in the file "CUENTASCLIENTES.TXT" (item 40000dd), the file "DATOSFONDOS.TXT" was omitted to be reported for that code, or
A common money fund code was reported in the file "DATOSFONDOS.TXT" not reported in the file "CUENTASCLIENTES.TXT"
(item 40000dd), or
Having reported in the file "CUENTASCLIENTES.TXT", items 30000dd and
40000dd with null value (";;"), the file "DATOSFONDOS.TXT" was recorded.
09 MONEY FUND NUMBER XXXX -
MISSING REPORT OF TYPE
OF AGENT
For the reference fund number, some type(s) of agents were omitted to be reported. 10 DUPLICATED NEWS
Design "CUENTASCLIENTES.TXT"
More than one record with identical combination of fields 1 and 4 was reported.
Design "DATOSFONDOS.TXT"
More than one record with identical combination of fields 1,3 and 5 was reported. 11 INFORMATION ALREADY PRESENTED AND ACCEPTED Information corresponding to a validated period was sent. 12 INCORRECTLY REPORTED CORRECTIVE Corrective information corresponding to a non-validated period was sent. 13 INCONSISTENCY FOR DAY DD BETWEEN ITEMS 10000, 50000 AND 60000 − For the specified day, the value reported in the "Quantity" field for item 10000 is greater than the value integrated in that field for item 50000, or − For the specified day, the value reported in the "Quantity" field for item 60000 is greater than the value integrated in that field for item 50000. 14 ITEM XXXXXdd INCORRECTLY REPORTED (APPLICABLE FILE "CUENTASCLIENTES.TXT") The term "dd" reported in item XXXXXdd does not correspond to an existing day in the reported period. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
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Code Legend Cause
15 FIELD "CBU / MONEY FUND
NO." INCORRECTLY REPORTED
(APPLICABLE FILE
"CUENTASCLIENTES.TXT")
− Having reported item 20000dd, the CBU is not valid, or − Having reported item 40000dd, the FCI code is not valid. 16 INCONSISTENCY BETWEEN FIELDS "BALANCE" AND "QUANTITY" - ITEMS 10000dd AND 30000dd- (APPLICABLE FILE "CUENTASCLIENTES.TXT") − Having reported item 10000dd with field "Balance" different from "0", the field "Quantity" was reported with value equal to "0", or vice versa, or − Having reported item 30000dd with field "Balance" different from "0", the field "Quantity" was reported with value equal to "0", or vice versa. 17 ITEM 50000dd INCORRECTLY REPORTED (APPLICABLE FILE "CUENTASCLIENTES.TXT") For the indicated item, the field "Quantity" was integrated to zero "0".

69.2. Statistical Information – National Payments System.
69.2.1. General Instructions.
69.2.1.1. The information to be sent monthly will be recorded in a variable-length file named "INFESTADISTICA.TXT" which will contain the data according to the record design inserted in point 69.2.4., taking into account what is provided in point 1.2.3.1. of Section 1 of "Submission of Information to the Central Bank".
69.2.1.2. For the identification of this regime, 100 will be used for the regime code and 3 for the requirement code.
69.2.1.3. The aforementioned files must be sent according to what is established in point 1.2.2. of Section 1 of "Submission of Information to the Central Bank" for the file transfer service on the exclusive site www3 (MFT).
69.2.2. Particular Instructions.
69.2.2.1. The information required in section B of the NP. will be recorded in the file "INFESTADISTICA.TXT".
69.2.2.2. The items corresponding to the information model contained in point III.2 of section B of the NP. will be recorded.
The items that register a value greater than zero in the "Quantity" field must be recorded. When the amount is less than 1 (thousand), the "Total Amount" field will be integrated with an amount equal to zero.
69.2.2.3. The shaded fields in the information model of point III.2. of the NP will be integrated with a null value (";;").
69.2.2.4. For the integration of the "Payment Medium" and "Payment Scheme" fields, the following guidelines must be respected:
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Code "Payment Medium"
(Table 1 of point III.3 of
section B of the NP)
Admitted "Payment Scheme" Code (Table 2 of point III.3 of section B of the NP) 1 Code of brand published in https://www3.bcra.gob.ar, query "Card Brands" 2 3 6 - 7 - 8 - 9 - 10 7 - 8 - 9 5 9
69.2.2.5. The PSPCP that are legally authorized to grant financing as non-financial credit providers, will report items 7011000 and 7012000 integrating all the data provided in the information model of point III.2 of the NP.
69.2.3. Validation of information.
The lists corresponding to the results of the validation processes will be available on the secure site https://www3.bcra.gob.ar.
69.2.4. Record Design.
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Section 69. Payment service providers offering payment accounts.
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Name: "INFESTADISTICA.TXT" Sheet 1 of 1
No.
Field
Name Type Maximum Length
(1)
Observations
1 Item Code Numeric 7 According to point III.2 of section B of the NP.
2 Payment Medium Numeric 3 According to table 1 of point III.3 of
section B of the NP.
3 Payment Scheme Numeric 5 According to table 2 of point III.3 of
section B of the NP.
4 Quantity Numeric 11 According to point III.2 of section B of the NP.
5 Total Amount Numeric 11 According to point III.2 of section B of the NP. (1) The delimiter ";" must be used as a field separator. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
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69.2.5. Validation Error Table.
Code Legend Cause
01 "XXXXX.TXT" NOT FOUND - The file "XXXXX.TXT" was omitted to be recorded, or the reported file does not correspond to the record design, or it is empty, or

"OPERA=FALSE" was declared in the file "DETALLE.XML" for the file
"XXXXX.TXT" (requirement 3), having declared "OPERA=TRUE" for the file "XXXXX.TXT" (requirement 1), or vice versa. 02 SUBJECT CODE INCORRECTLY REPORTED The subject code does not correspond to one authorized for this regime – requirement. 03 INFORMATION DATE INCORRECT OR ADVANCED
Information corresponding to
a non-existent date was sent, or
A period was reported with the previous one not being valid.
04 FORMAT ERROR – RECORD XXX
The file "XXXXX.TXT" does not respect the instructions provided in point 69.2.1.1. of these instructions.
The field(s) detailed were not recorded according to what is established in the record design of point 69.2.4. of these instructions, according to the following detail:
Field Admitted Value
1 Item Code according to point
III.2 of section B of the NP.
2 Admitted codes according to table
1 of point III.3 of section B of the NP.
3 Admitted codes according to table
2 of point III.3 of section B of the NP.
4 Numeric values (does not admit zero).
5 Numeric values
05 MISSING INFORMATION IN MANDATORY FIELDS
Some of the required fields were omitted to be reported according to what is established in point
69.2.2.2. of these instructions, or
06 INCONSISTENCY BETWEEN PAYMENT
MEDIUM AND PAYMENT SCHEME
A payment scheme code not admitted was reported for a payment medium code, or vice versa according to what is provided in point 69.2.2.4. of these instructions. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
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B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
Section 69. Payment service providers offering payment accounts.
Code Legend Cause
07 DUPLICATED NEWS More than one record with identical combination of fields 1 to 3 was reported. 08 INFORMATION ALREADY PRESENTED AND ACCEPTED Information corresponding to a validated period was sent. 09 INCORRECTLY REPORTED CORRECTIVE Corrective information corresponding to a non-validated period was sent. 10 INCONSISTENCY IN TRANSFER ITEMS (ITEMS 500X000, 10XXXXX, 20X0XXX) The amount reported in item 500X000 (transfers) does not match the sum of the amounts reported in the credit/debit payment items according to the following detail:
Transfer Item
Credit/Debit Item
"Total
Amount"
"Payment
Scheme"
5001000 Ʃ 20XXXXX 7
5002000 Ʃ 10XXXXX 7
5003000 Ʃ 10XXXXX 8
5004000 Ʃ 20XXXXX 8
11 INCONSISTENCY BETWEEN CLIENTS INVOLVED IN
TRANSACTIONS AND TRANSFERS
The sum of items 60130XX and
60140XX (clients involved in transfers) is greater than the sum of items 60110XX and 60120XX (clients involved in transactions). 12 INCONSISTENCY BETWEEN PAYMENT ACCOUNTS INVOLVED IN TRANSFERS AND TRANSACTIONS The sum of items 60230XX and 6024000 (payment accounts involved in transfers) is greater than the sum of items 60210XX and 60220XX (clients involved in transactions). 13 MISSING REPORT OF CLIENT AND ACCOUNT ITEMS (60310XX OR 60320XX OR 60410XX OR 60420XX) For the indicated concept (XX):

Having reported at least one item 601X0XX, items 60310XX or 60320XX were not reported, or
Having reported at least one item 602X0XX, items 60410XX or 60420XX were not reported.
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B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
Section 69. Payment service providers offering payment accounts.
Code Legend Cause
14 INCORRECTLY REPORTED PAYMENT MEDIUM

Having reported item(s)
10108XX, 10109XX, 10208XX or 10209XX
(credits) and 2050100 or 2050200 (debits), the "Payment Medium" field was reported with a code different from 5, or
Having reported items different
from 10108XX, 10109XX, 10208XX, 10209XX,
2050100 or 2050200 the field
"Payment Medium" was reported with code 5, or
Having reported item(s) 20XXXXX,
the "Payment Medium" field was reported with codes 1 and/or 2.
15 MISSING REPORT OF TOTAL
CLIENTS / PAYMENT ACCOUNTS ITEM
At least one item
603X0XX or 604X0XX was not reported, or
Having reported item 60310XX
its corresponding 60410XX was not recorded, or vice versa, or
Having reported item 60320XX
its corresponding 60420XX was not recorded, or vice versa.
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