RegAlertRule · BCRA · 23 Jul 2025 · A 8285
Circular RUNOR 1-1912 Information Regime for Payment Service Providers Offering Payment Accounts (R.I. P.S.P.)
The Central Bank of the Argentine Republic issued Communication “A” 8285 to establish the consolidated Information Regime for Payment Service Providers Offering Payment Accounts (PSPCP), detailing mandatory monthly and quarterly reporting requirements via specific text files. The directive modifies the effective date for July 2025 information to an August 22, 2025 deadline and mandates precise data validation through defined record designs, tolerance limits, and automated error-checking protocols. PSPCPs must submit structured files containing account balances, fund details, and statistical payment data to the secure BCRA portal, ensuring strict consistency across all reported fields and subsequent corrective submissions.
"Year of the Reconstruction of the Argentine Nation" COMMUNICATION “A” 8285 23/07/2025 TO PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS:
Ref.: Circular RUNOR 1-1912:
Information Regime for Payment Service Providers Offering Payment Accounts (R.I. P.S.P.)
___________________________________________________________________________ We write to provide the consolidated text of Section 69 of “Submission of Information to the Central Bank” concerning the provisions issued through Communication “A” 8231. In this regard, we highlight the modified effective date for information corresponding to July 2025, which is due on August 22, 2025. Yours faithfully,
CENTRAL BANK OF THE ARGENTINE REPUBLIC
Rodrigo J. Danessa | Estela M. del Pino Suárez Chief Manager of Information Regime and Information Centers | Deputy General Manager of Information Regime and Protection to Users of Financial Services Functional Position
ANNEX
69.1. Information for Supervision.
69.1.1. General Instructions.
69.1.1.1. The information to be submitted monthly shall be recorded in two variable-length files named “CUENTASCLIENTES.TXT” and “DATOSFONDOS.TXT”, containing 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 submitted quarterly shall 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 shall be sent together with the corresponding monthly information for the periods January, April, July, and October of each year. It is highlighted that this requirement will not allow the “OPERA=FALSE” option in the “DETALLE.XML” file.
69.1.1.3. To identify this regime, 100 shall be used for the regime code and, for the requirement code, the following table shall be considered:
| Archivo (File) | Descripción (Description) | Código de Requerimiento (Requirement Code) | Frecuencia (Frequency) |
|---|---|---|---|
| TXT “CUENTASCLIENTES.TXT” | 1 | Mensual (Monthly) | |
| TXT “DATOSFONDOS.TXT” | 1 | Mensual (Monthly) | |
| PDF “INFESPECIAL.PDF” | 2 | Trimestral (Quarterly) |
69.1.1.4. The aforementioned files shall be sent in accordance with 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 Operating Rules (NP) shall be recorded in a file named “CUENTASCLIENTES.TXT”, and the money market fund data provided for in point II.1.b.3 shall 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–, the items from the information model in point II.2 of the Operating Rules shall be recorded integrating the unshaded fields, even if they are values equal to zero, with the exception of item 50000dd which does not admit said value. The shaded fields shall be reported with a null value (“;;”).
B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | Section 69. Payment Service Providers Offering Payment Accounts | Version: 4th COMMUNICATION “A” 8285 Validity: 01/07/2025 Page 1
69.1.2.3. For each “Money Fund No.” reported in the “CUENTASCLIENTES.TXT” file, one record shall be reported per involved agent in the “DATOSFONDOS.TXT” file.
69.1.2.4. PSPCPs that do not offer investments in money market funds shall only record items 30000dd and 40000dd corresponding to the last day of the month with a null value (“;;”) in all fields and shall not record the “DATOSFONDOS.TXT” file.
69.1.3. Information Validation.
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.
B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | Section 69. Payment Service Providers Offering Payment Accounts | Version: 3rd COMMUNICATION “A” 8285 Validity: 01/07/2025 Page 2
Denomination: “CUENTASCLIENTES.TXT” Sheet 1 of 1
| N° (No.) | Campo (Field) | Nombre (Name) | Tipo (Type) | Longitud máxima (Max Length) (1) | Observaciones (Observations) |
|---|---|---|---|---|---|
| 1 | Código de partida (Item code) | Numérico (Numeric) | 7 | According to point 69.1.2.2. of these instructions. | |
| 2 | Saldo (Balance) | Numérico (Numeric) | 11 | According to point 69.1.2.2. of these instructions. | |
| 3 | Cantidad (Quantity) | Numérico (Numeric) | 11 | According to point 69.1.2.2. of these instructions. | |
| 4 | CBU / Nro. Fondo de Dinero (CBU / Money Fund No.) | Numérico (Numeric) | 22 | According to point 69.1.2.2. and 69.1.2.3. of these instructions. | |
| (1) The delimiter “;” shall be used as a field separator. |
B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | Section 69. Payment Service Providers Offering Payment Accounts | Version: 3rd COMMUNICATION “A” 8285 Validity: 01/07/2025 Page 3
B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | Section 69. Payment Service Providers Offering Payment Accounts Denomination: “DATOSFONDOS.TXT” Sheet 1 of 1
| N° (No.) | Campo (Field) | Nombre (Name) | Tipo (Type) | Longitud máxima (Max Length) (1) | Observaciones (Observations) |
|---|---|---|---|---|---|
| 1 | Nro. Fondo de Dinero (Money Fund No.) | Numérico (Numeric) | 5 | According to point b.3 of Section A of the Operating Rules (NP). | |
| 2 | Denominación o razón social del Fondo de Dinero (Name or corporate name of the Money Fund) | Carácter (Character) | 50 | According to point b.3 of Section A of the Operating Rules (NP). | |
| 3 | Agente involucrado (Involved agent) | Numérico (Numeric) | 1 | 1: Agent for administration of products or collective investment or management company. 2: Agent for custody of collective investment products or depositary company. 3: Agent for placement and distribution. | |
| 4 | Denominación o razón social del Agente (Name or corporate name of the Agent) | Carácter (Character) | 50 | According to point b.3 of Section A of the Operating Rules (NP). | |
| 5 | CUIT del agente (Agent's Tax ID) | Numérico (Numeric) | 11 | According to point b.3 of Section A of the Operating Rules (NP). | |
| (1) The delimiter “;” shall be used as a field separator. Version: 3rd COMMUNICATION “A” 8285 Validity: 01/07/2025 Page 4 |
69.1.5. Alert Report
PSPCPs shall access the secure site https://www3.bcra.gob.ar and verify if, in the query named “Alerts to verify”, there are alert messages related to the submitted information.
In this regard, it will be controlled that, for the last day of the month, the balance reported in item 10000dd corresponds to that 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 prior to the period under report Admitted tolerance value: 10% It is highlighted that, in case corrective information is submitted for a period with an impact on these items, subsequent periods must be additionally submitted to reflect the correct transfer of balances. B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | Section 69. Payment Service Providers Offering Payment Accounts | Version: 3rd COMMUNICATION “A” 8285 Validity: 01/07/2025 Page 5
69.1.6. Validation Error Table.
| Código (Code) | Leyenda (Legend) | Causa (Cause) |
|---|---|---|
| 01 | NO SE ENCONTRO EL ARCHIVO “XXXXX.TXT” Y/O “XXXXX.PDF” (FILE “XXXXX.TXT” AND/OR “XXXXX.PDF” NOT FOUND) | − File “XXXXX.TXT” was omitted (requirement 1), or the reported file does not correspond to the record design, or<br>− “OPERA=FALSE” was declared in “DETALLE.XML” for file “XXXXX.TXT” (requirement 1), having declared “OPERA=TRUE” for file “XXXXX.TXT” (requirement 3), or vice versa, or<br>− File “XXXXX.PDF” was omitted (requirement 2), or the reported file does not correspond to the record design, or “OPERA=FALSE” was declared in “DETALLE.XML”. |
| 02 | CODIGO DE SUJETO MAL INFORMADO (SUBJECT CODE INCORRECTLY REPORTED) | The subject code does not correspond to one authorized for this regime. |
| 03 | FECHA DE INFORMACION ERRONEA O ANTICIPADA (INFORMATION DATE INCORRECT OR ADVANCED) | − Information corresponding to a non-existent date was submitted, or<br>− A period was reported with the previous one not being valid. |
| B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | Section 69. Payment Service Providers Offering Payment Accounts | Version: 4th COMMUNICATION “A” 8285 Validity: 01/07/2025 Page 6 |
| Código (Code) | Leyenda (Legend) | Causa (Cause) |
|---|---|---|
| 04 | ERROR DE FORMATO – REGISTRO XXX (FORMAT ERROR – RECORD XXX) | − The file(s) “XXXXX.TXT” do not respect the instructions provided in point 69.1.1.1 of these instructions.<br>− The detailed fields were not recorded according to the record design in point 69.1.4 of these instructions, as detailed below:<br>Design: CUENTAS-CLIENTES.TXT<br>Field 1: Item code per point 69.1.2.1.<br>Fields 2 to 4: Numeric values: admits NULL “;;”, does not admit negative sign “-”.<br>Design: DATOSFONDOS.TXT<br>Field 1: Code provided in CNV.<br>Fields 2 and 4: Admitted characters.<br>Field 3: Admitted codes.<br>Field 5: Numeric values. |
| 05 | CUIT MAL INFORMADO (APLICABLE ARCHIVO “DATOSFONDOS.TXT”) (INCORRECTLY REPORTED CUIT (APPLICABLE TO “DATOSFONDOS.TXT” FILE)) | The reported identification number does not correspond to a valid Unique Tax Identification Number (CUIT). |
| 06 | FALTA INFORMACION EN CAMPOS OBLIGATORIOS (MISSING INFORMATION IN MANDATORY FIELDS) | Some of the required fields were omitted as established in points 69.1.2.2 and 69.1.2.3 of these instructions. |
| 07 | FALTA INFORMAR PARTIDA XXXXXdd (APLICABLE ARCHIVO “CUENTASCLIENTES.TXT”) (FAILURE TO REPORT ITEM XXXXXdd (APPLICABLE TO “CUENTASCLIENTES.TXT” FILE)) | 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 | Section 69. Payment Service Providers Offering Payment Accounts | Version: 2nd COMMUNICATION “A” 8285 Validity: 01/07/2025 Page 7 |
| Código (Code) | Leyenda (Legend) | Causa (Cause) |
|---|---|---|
| 08 | INCONSISTENCIA ENTRE ARCHIVOS “DATOSFONDOS.TXT” Y “CUENTAS CLIENTES.TXT” (INCONSISTENCY BETWEEN FILES “DATOSFONDOS.TXT” AND “CUENTAS CLIENTES.TXT”) | − A money market fund code was reported in “CUENTASCLIENTES.TXT” (item 40000dd), but the file “DATOSFONDOS.TXT” was omitted for that code, or<br>− A money market fund code was reported in “DATOSFONDOS.TXT” not reported in “CUENTASCLIENTES.TXT” (item 40000dd), or<br>− Having reported items 30000dd and 40000dd in “CUENTASCLIENTES.TXT” with null value (“;;”), the file “DATOSFONDOS.TXT” was recorded. |
| 09 | NUMERO DE FONDO XXXX - FALTA INFORMAR TIPO DE AGENTE (MONEY FUND NO. XXXX - FAILURE TO REPORT AGENT TYPE) | For the reference fund number, some agent types were omitted. |
| 10 | NOVEDAD DUPLICADA (DUPLICATE NEWS/RECORD) | Design: “CUENTASCLIENTES.TXT”<br>More than one record with identical combination of fields 1 and 4 was reported.<br>Design: “DATOSFONDOS.TXT”<br>More than one record with identical combination of fields 1, 3 and 5 was reported. |
| 11 | INFORMACION YA PRESENTADA Y ACEPTADA (INFORMATION ALREADY SUBMITTED AND ACCEPTED) | Information corresponding to a validated period was submitted. |
| 12 | RECTIFICATIVA MAL INFORMADA (INCORRECTLY REPORTED CORRECTIVE INFORMATION) | Corrective information corresponding to a non-validated period was submitted. |
| 13 | INCONSISTENCIA PARA DIADDD ENTRE LAS PARTIDAS 10000, 50000 Y 60000 (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 integrated value in that field for item 50000, or<br>− For the specified day, the value reported in the “Quantity” field for item 60000 is greater than the integrated value in that field for item 50000. |
| 14 | PARTIDA XXXXXdd MAL INFORMADA (APLICABLE ARCHIVO “CUENTASCLIENTES.TXT”) (INCORRECTLY REPORTED ITEM XXXXXdd (APPLICABLE TO “CUENTASCLIENTES.TXT” FILE)) | 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 | Section 69. Payment Service Providers Offering Payment Accounts | Version: 2nd COMMUNICATION “A” 8285 Validity: 01/07/2025 Page 8 |
B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK | Section 69. Payment Service Providers Offering Payment Accounts
| Código (Code) | Leyenda (Legend) | Causa (Cause) |
|---|---|---|
| 15 | CAMPO “CBU / NRO. FONDO DE DINERO” MAL INFORMADO (APLICABLE ARCHIVO “CUENTASCLIENTES.TXT”) (“CBU / MONEY FUND NO.” FIELD INCORRECTLY REPORTED (APPLICABLE TO “CUENTASCLIENTES.TXT” FILE)) | − Having reported item 20000dd, the CBU is invalid, or<br>− Having reported item 40000dd, the collective investment fund code is invalid. |
| 16 | INCONSISTENCIA ENTRE LOS CAMPOS “SALDO” Y “CANTIDAD” -PARTIDAS 10000dd Y 30000dd- (APLICABLE ARCHIVO “CUENTASCLIENTES.TXT”) (INCONSISTENCY BETWEEN FIELDS “BALANCE” AND “QUANTITY” - ITEMS 10000dd AND 30000DD- (APPLICABLE TO “CUENTASCLIENTES.TXT” FILE)) | − Having reported item 10000dd with “Balance” field different from “0”, the “Quantity” field was reported with value equal to “0”, or vice versa, or<br>− Having reported item 30000dd with “Balance” field different from “0”, the “Quantity” field was reported with value equal to “0”, or vice versa. |
| 17 | PARTIDA 50000dd MAL INFORMADA (APLICABLE ARCHIVO “CUENTASCLIENTES.TXT”) (INCORRECTLY REPORTED ITEM 50000DD (APPLICABLE TO “CUENTASCLIENTES.TXT” FILE)) | For the indicated item, the “Quantity” field was integrated to zero “0”. Version: 1st COMMUNICATION “A” 8285 Validity: 01/07/2025 Page 9 |
69.2. Statistical Information – National Payments System.
69.2.1. General Instructions.
69.2.1.1. The information to be submitted monthly shall be recorded in a variable-length file named “INFESTADISTICA.TXT”, containing 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. To identify this regime, 100 shall be used for the regime code and 3 for the requirement code.
69.2.1.3. The aforementioned files shall be sent in accordance with 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 Operating Rules (NP) shall 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 Operating Rules shall be
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