Circular SINAP 1-233: National Payments System – Transfers and Direct Debit Update

"Year of the Reconstruction of the Argentine Nation" COMMUNICATION “A” 8295 07/08/2025 TO FINANCIAL ENTITIES, TO ELECTRONIC COMPENSATION CHAMBERS, TO PAYMENT SERVICE PROVIDERS OFFERING PAYMENT ACCOUNTS, TO ELECTRONIC FUNDS TRANSFER NETWORKS, TO PAYMENT SERVICE PROVIDERS FULFILLING THE INITIATION FUNCTION, TO ADMINISTRATORS OF ELECTRONIC FUNDS TRANSFER PAYMENT SCHEMES:
Ref.: Circular SINAP 1-233:
National Payments System – Transfers. National Payments System – Direct Debit. Update.
___________________________________________________________________________ We address you to deliver the sheets that, replacing those previously provided, should be incorporated into the ordered texts of the reference based on the provisions disseminated through CIMPRA Bulletin 539. On this Institution’s website www.bcra.gob.ar, by accessing “Financial System – LEGAL AND REGULATORY FRAMEWORK – Ordering and summaries – Ordered texts of general regulations”, you will find the modifications made with texts highlighted in special characters (strikethrough and bold). We salute you respectfully. BANCO CENTRAL DE LA REPUBLICA ARGENTINA Irene T. Cano (Submanager of Payment Systems) Matías A. Gutiérrez Girault (Main Manager of Payment Systems and Current Accounts) a/c ANEXO

7.3. Individual record of debit orders, rejections, and reversals of debit orders
Field 1 2 3 4 5 6 7 8 9 10
Name Record Identifier Transaction Code Entity to be debited/credited Account to be debited/credited Amount Unique debit reference Payer customer identification Additional transaction information Additional records Record counter Requirement M Type 6 Numeric $$$$$$$$$$ $$cc Alphanumeric Alphanumeric Numeric Length 1 2 8 14 14 15 22 2 1 15 Position 01-01 02-03 04-11 12-25 26-39 40-54 55-76 77-78 79-79 80-94 Field descriptions:

1. Record Identifier: This code is assigned to identify the record type: 6 = Individual record.
2. Transaction Code: Indicates the type of transaction reported, which may be one of the following: Debit orders/Receiving reversals (37), Originating reversal (33), Rejections (36), Originating reversal rejection (31).
   B.C.R.A. NATIONAL PAYMENTS SYSTEM – DIRECT DEBITS | Section 7 – Record Design | Version: 2nd COMMUNICATION “A” 8295 Validity: 08/08/2025 Page 8
3. Entity to be debited/credited: Contains the identification number of the destination entity for the transaction (includes 3-character entity number preceded by a zero (“0”) and 4-character branch number).
4. Account to be debited/credited: Indicates the account to be debited/credited and must contain exact account data. These data are taken from block 2 of the CBU including its check digit. Numbers 0-9 are included, right-aligned.
5. Amount: Indicates the amount to be debited/credited from the aforementioned account.
6. Unique debit reference: Indicates the reference by which the company uniquely identifies the debit to be executed (e.g., invoice number, installment to be collected, service bimonthly period, etc.). Must differ from blanks and zeros.
7. Payer customer identification: Uniquely identifies the client to be debited (e.g., customer number, telephone number, etc.). Must differ from blanks and zeros.
8. Additional transaction information: Identifies the type of transaction being reported. These values are used for both transactions and rejections. The first position contains “0” to indicate the currency (pesos). The second position indicates the type of transaction being reported or rejected: 0 = Debit order/originating reversal, 1 = Receiving reversal.
   B.C.R.A. NATIONAL PAYMENTS SYSTEM – DIRECT DEBITS | Section 7 – Record Design | Version: 2nd COMMUNICATION “A” 8295 Validity: 08/08/2025 Page 9
9. Additional records: Indicates whether additional records exist (“1” or “0” respectively).
10. Record counter (“Trace number”): Includes the originating entity’s identification number in 8 positions (4 for entity and 4 for branch) followed by positions 9 to 15 containing a unique ascending sequential number for each record sent in a file. This implies the record counter number cannot repeat during the processing day. These 15 positions must be ordered ascendingly within each batch. If an entity represents another, the branch number is replaced by “9” (in the fifth position of the originating entity identification number) and the represented entity’s number occupies the next 3 positions.
    Additional comments: When a field contains more characters than required, numeric fields are filled with zeros starting from the left margin, and alphanumeric fields are filled with blanks to the right. Alphabetic characters in alphanumeric fields must always be reported in uppercase. B.C.R.A. NATIONAL PAYMENTS SYSTEM – DIRECT DEBITS | Section 7 – Record Design | Version: 2nd COMMUNICATION “A” 8295 Validity: 08/08/2025 Page 10

7.10. Batch end control
Field 1 2 3 4 5 6 7 8 9 10 11
Name Record Identifier Transaction class code Quantity of individual/additional records Control totals Total batch debits Total batch credits Entity/individual identification Reserved Reserved Originating entity identification Batch number Requirement M N/A N/A M M Type '8' ‘200’ Numeric Numeric $$$$$$$$ $$$$$$$$ $$cc $$$$$$$$ $$$$$$$$ $$cc Alphanumeric Blank Blank Numeric Numeric Length 1 3 6 10 20 20 10 13 6 8 7 Position 01-01 02-04 05-10 11-20 21-40 41-60 61-70 71-73 74-79 80-87 88-94 Field descriptions:

1. Record Identifier: Assigned to identify the record type: 8 = Batch end control.
2. Transaction class code: Identifies a general classification of the transaction types included in the batch: 200 = Debit and credit transactions.
   B.C.R.A. NATIONAL PAYMENTS SYSTEM – DIRECT DEBITS | Section 7 – Record Design | Version: 2nd COMMUNICATION “A“ 8295 Validity: 08/08/2025 Page 30
3. Quantity of individual and additional records: Contains the total number of individual and additional records existing in the batch.
4. Control totals: Contains the sum of the “Entity to be debited/credited” field from the batch’s individual records.
5. Total batch debits: Contains the sum of debit amounts included in the batch. If the sum exceeds available characters, another batch must be generated.
6. Total batch credits: Contains the sum of credit amounts included in the batch. If the sum exceeds available characters, another batch must be generated.
7. Entity/individual identification: Contains the unique tax ID or unique labor ID (CUIT/CUIL) of the originating entity/individual (check digit not included).
8. Reserved: Reserved for future use.
9. Reserved: Reserved for future use.
   B.C.R.A. NATIONAL PAYMENTS SYSTEM – DIRECT DEBITS | Section 7 – Record Design | Version: 2nd COMMUNICATION “A“ 8295 Validity: 08/08/2025 Page 31
10. Originating entity identification: Contains the identification number of the entity generating the transaction (includes 4-character entity number and 4-character real or transmission center branch number). The value 500 is added when transactions are sent in US dollars.
11. Batch number: Contains the batch number, determined by the originating entity.
    Additional comments: When a field contains more characters than required, numeric fields are filled with zeros starting from the left margin, and alphanumeric fields are filled with blanks to the right. Alphabetic characters in alphanumeric fields must always be reported in uppercase. B.C.R.A. NATIONAL PAYMENTS SYSTEM – DIRECT DEBITS | Section 7 – Record Design | Version: 2nd COMMUNICATION “A“ 8295 Validity: 08/08/2025 Page 32

7.11. File end control
Field 1 2 3 4 5 6 7 8
Name Record Identifier Quantity of batches Number of blocks Quantity of individual and additional records Control totals Total file debits Total file credits Reserved Requirement of field M N/A Type '9' Numeric $$$$$$$$$$ $$$$$$$$cc $$$$$$$$$$ $$$$$$$$cc Blank Length 1 6 6 8 10 20 20 23 Position 01-01 02-07 08-13 14-21 22-31 32-51 52-71 72-94 Field descriptions:

1. Record Identifier: Assigned to identify the record type: 9 = File end control.
2. Quantity of batches: Contains the total number of batches in the file.
3. Number of blocks: Contains the total number of blocks in the file. A block consists of 940 characters, meaning 10 records form a block. For this calculation, all records are considered, from the file header to the file end control. When the number of records is not a multiple of 10, this total is calculated as follows: Up to 10 records = 1; Up to 20 records = 2; and so on consecutively.
   B.C.R.A. NATIONAL PAYMENTS SYSTEM – DIRECT DEBITS | Section 7 – Record Design | Version: 2nd COMMUNICATION “A“ 8295 Validity: 08/08/2025 Page 33
4. Quantity of individual and additional records: Contains the total number of individual and additional records existing in the file.
5. Control totals: Contains the sum of the “Control totals” field from the control records of all batches.
6. Total file debits: Contains the sum of debit amounts included in the file. If the sum exceeds available characters, another file must be generated.
7. Total file credits: Contains the sum of credit amounts included in the file. If the sum exceeds available characters, another file must be generated.
8. Reserved: Reserved for future use.
   Additional comments: When a field contains more characters than required, numeric fields are filled with zeros starting from the left margin, and alphanumeric fields are filled with blanks to the right. Alphabetic characters in alphanumeric fields must always be reported in uppercase. B.C.R.A. NATIONAL PAYMENTS SYSTEM – DIRECT DEBITS | Section 7 – Record Design | Version: 2nd COMMUNICATION “A“ 8295 Validity: 08/08/2025 Page 34

B.C.R.A. ORIGIN OF THE PROVISIONS CONTAINED IN THE ORDERED TEXT ON NATIONAL PAYMENTS SYSTEM – DIRECT DEBITS TEXTO ORDENADO | NORMA DE ORIGEN | OBSERVACIONES (Section, Point, Paragraph, Com., Annex/Chapter)

1. 1.1. “A” 2559 S/Com. “A” 5054
2. 2.1. “A” 2559 S/Com. “A” 5054
   2.2. “A” 2559 S/Com. “A” 5054, 6909 and 6948.
   2.3. “A” 2559 S/Com. “A” 5054
   2.4. “A” 2559 S/Com. “A” 5054
3. 3.1. “A” 2559 S/Com. “A” 2623, 2723, 2795, 2994, 5054, 6909, 6948, 7233, 7839 and 7906.
   3.2. “A” 6948 2.
4. 4.1. “A” 2559 S/Com. “A” 2723, 5054 and 6909.
   4.2. “A” 2559 S/Com. “A” 2723 and 5054
   4.3. “A” 2559 S/Com. “A” 2623 and 5054
5. 5.1. “A” 2559 S/Com. “A” 5054
   5.2. “A” 2559 S/Com. “A” 5054
6. 6.1. “A” 2559 S/Com. “A” 5054
   6.2. “A” 2559 S/Com. “A” 5054
7. 7.1. “A” 2559 S/Com. “A” 2623 and 5054
   7.2. “A” 2559 S/Com. “A” 2723 and 5054
   7.3. “A” 2559 S/Com. “A” 2623, 5054, 8295 and CIMPRA Bulletin 539.
   7.4. “A” 2559 S/Com. “A” 5054
   7.5. “A” 2559 S/Com. “A” 2723 and 5054
   7.6. “A” 2559 S/Com. “A” 2881, 2994, 5054 and 6909.
   7.7. “A” 2559 S/Com. “A” 2819, 2857 and 5054
   7.8. “A” 2559 S/Com. “A” 2723 and 5054
   7.9. “A” 2559 S/Com. “A” 2623 and 5054
   7.10. “A” 2559 S/Com. “A” 5054, 8295 and CIMPRA Bulletin 539.
   7.11. “A” 2559 S/Com. “A” 5054, 8295 and CIMPRA Bulletin 539.
   7.12. “A” 2559 S/Com. “A” 5054
   Additional comments: When a field contains more characters than required, numeric fields are filled with zeros starting from the left margin, and alphanumeric fields are filled with blanks to the right. Alphabetic characters in alphanumeric fields must always be reported in uppercase.

1.7.3. Individual record of transfer orders and reversals of transfer orders
Field 1 2 3 4 5 6 7 8 9 10
Name Record Identifier Transaction code Entity to be credited Account to be credited Amount Unique transfer reference Beneficiary customer identification Transaction currency/Transfer type Additional records Record counter Requirement of field M Type ´6´ Numeric Numeric Numeric $$$$$$$ $$$$$cc Alphanumeric Alphanumeric Numeric Length 1 2 8 14 14 15 22 2 1 15 Position 01-01 02-03 04-11 12-25 26-39 40-54 55-76 77-78 79-79 80-94 Field descriptions:

1. Record Identifier: 6 = Individual record.
   B.C.R.A. NATIONAL PAYMENTS SYSTEM – TRANSFERS | Section 1. Batch Transfers | Version: 3rd COMMUNICATION “A” 8295 Validity: 08/08/2025 Page 27
2. Transaction code: Indicates the type of transaction reported and the account type involved in the transaction:
   Transactions/Devolutions (32), Chamber rejections/Rejects (31), “Unwinding” (37).
3. Entity to be credited: Contains the identification number of the destination entity for the transaction (includes 3-character entity number preceded by a zero (“0”) and 4-position branch number). The value 500 is added when transactions are sent in US dollars.
4. Account to be credited: Indicates the account to be credited and must contain exact account data. These data are taken from block two of the Uniform Banking Key (CBU) including its check digit. Numbers 0-9 are included, right-aligned.
5. Amount: Indicates the amount to be credited in the aforementioned account.
6. Unique transfer reference: Indicates the reference by which the company or individual uniquely identifies the transfer to be executed. Must be completed with 12-position free alphanumeric codes defined in Section 3.
7. Beneficiary customer identification: Uniquely identifies the beneficiary of the transfer, either by CUIT, CUIL, or CDI; the field is composed as follows:
   a) First position from left: type code (1 = CUIT, 2 = CUIL, 3 = CDI). b) Next 11 positions: fiscal key number. c) 5 blank spaces. d) Last three positions completed as follows: first position with “0” and the next two with BCRA operation codes (73 = Transfers to be credited in taxed accounts, 74 = Transfers to be credited in non-taxed accounts, 75 = Salary payments). B.C.R.A. NATIONAL PAYMENTS SYSTEM – TRANSFERS | Section 1. Batch Transfers | Version: 4th COMMUNICATION “A” 8295 Validity: 08/08/2025 Page 28
8. Transaction currency/transfer type: Identifies the transaction currency and transfer type. Completed as follows: first position with zero (0) for peso transactions, one (1) for US dollar transactions, and two (2) for euro transactions. 0 = Salary reversals, 1 = Salary payments, 2 = Supplier payments, 3 = Customer/third-party transfers, 4 = Family allowances, 5 = Pension payments, 6 = Pension payment reversals, 7 = Supplier payment reversals, 8 = Customer/third-party reversals, 9 = Family allowance reversals, A = Judicial order wage attachments, B = Judicial order attachment reversals, C = Judicial order transfers, D = Judicial order transfer reversals.
   B.C.R.A. NATIONAL PAYMENTS SYSTEM – TRANSFERS | Section 1. Batch Transfers | Version: 3rd COMMUNICATION “A” 8295 Validity: 08/08/2025 Page 29
9. Additional records: Indicates whether additional records exist (“1” or “0” respectively).
10. Record counter (“Trace number”): Includes the originating entity’s identification number in 8 positions (4 for entity and 4 for branch) followed by positions 9 to 15 containing a unique ascending sequential number across all daily sessions for each record sent in a file. This implies the record counter number may repeat in different files transmitted throughout the day. These 15 positions must be ordered sequentially within each batch. The value 500 is added when transactions are sent in US dollars. If an entity represents another for check submission, the branch number is replaced by “9” in the fifth position and the represented entity’s number occupies the next positions.
    Additional comments: When a field contains more characters than required, numeric fields are filled with zeros starting from the left margin, and alphanumeric fields are filled with blanks to the right. Alphabetic characters in alphanumeric fields must always be reported in uppercase. B.C.R.A. NATIONAL PAYMENTS SYSTEM – TRANSFERS | Section 1. Batch Transfers | Version: 3rd COMMUNICATION “A” 8295 Validity: 08/08/2025 Page 30

1.7.6. Batch end control
Field 1 2 3 4 5 6 7 8 9 10 11
Name Record Identifier Transaction class code Quantity of individual/additional records Control totals Total batch debits Total batch credits Entity/individual identification Reserved Reserved Originating entity identification Batch number Requirement of field M N/A N/A M M Type ´8´ ´220´ Numeric Numeric $$$$$$$ $$$$$$$ $$$$$cc $$$$$$$ $$$$$$$ $$$$$cc Alphanumeric Alphanumeric Alphanumeric Numeric Numeric Length 1 3 6 10 20 20 10 3 6 8 7 Position 01-01 02-04 05-10 11-20 21-40 41-60 61-70 71-73 74-79 80-87 88-94 Field descriptions:

1. Record Identifier: Assigned to identify the record type: 8 = Batch end control.
2. Transaction class code: Identifies a general classification of the transaction types included in the batch: 220 = Credit transactions.
3. Quantity of individual and additional records: Contains the total number of individual and additional records existing in the batch.
   B.C.R.A. NATIONAL PAYMENTS SYSTEM – TRANSFERS | Section 1. Batch Transfers | Version: 4th COMMUNICATION “A” 8295 Validity: 08/08/2025 Page 39
4. Control totals: Contains the sum of the “Entity to be credited” field from the batch’s individual records.
5. Total batch debits: Contains the sum of debit amounts included in the batch. When the sum exceeds available characters, another batch must be generated.
6. Total batch credits: Contains the sum of credit amounts included. When exceeding available characters, another batch must be generated.
7. Entity/individual identification: Contains the unique tax ID (CUIT) of the entity (check digit not included). When initiated by an individual, this field is completed with the number 0.
8. Reserved: Reserved for future use.
9. Reserved: Reserved for future use.
10. Originating entity identification: Contains the identification number of the originating entity (includes 4-character entity number and 4-character branch number). When transactions are sent in dollars, 500 is added to the entity number.
11. Batch number: Contains the batch number, determined by the originating entity.
    B.C.R.A. NATIONAL PAYMENTS SYSTEM – TRANSFERS | Section 1. Batch Transfers | Version: 3rd COMMUNICATION “A” 8295 Validity: 08/08/2025 Page 40 Additional comments: When a field contains more characters than required, numeric fields are filled with zeros starting from the left margin, and alphanumeric fields are filled with blanks to the right. Alphabetic characters in alphanumeric fields must always be reported in uppercase.

1.7.7. File end control
Field 1 2 3 4 5 6 7 8
Name Record Identifier Quantity of batches Number of blocks Quantity of individual and additional records Control totals Total file debits Total file credits Reserved Requirement of field M N/A Type ´9´ Numeric Numeric Numérico Numérico $$$$$$$$$$ $$$$$$$cc $$$$$$$$$$ $$$$$$$$cc Blank Length 1 6 6 8 10 20 20 23 Position 01-01 02-07 08-13 14-21 22-31 32-51 52-71 72-94 Field descriptions:

1. Record Identifier: Assigned to identify the record type: 9 = File end control.
   B.C.R.A. NATIONAL PAYMENTS SYSTEM – TRANSFERS | Section 1. Batch Transfers | Version: 3rd COMMUNICATION “A” 7175 8295 Validity: 08/08/2025 Page 41
2. Quantity of batches: Contains the total number of batches existing in the file.
3. Number of blocks: Contains the total number of blocks in the file. A block consists of 940 characters, meaning 10 records form a block. For this calculation, all records are considered, from the file header to the File end control. When the number of records is not a multiple of 10, this total is calculated as follows: Up to 10 records = 1; Up to 20 records = 2, and so on consecutively.
4. Quantity of individual and additional records: Contains the total number of individual and additional records existing in the file.
5. Control totals: Contains the sum of the “Control totals” field from the control records of all batches.
6. Total file debits: Contains the sum of debit amounts included in the file. When exceeding available characters, another file must be generated.
7. Total file credits: Contains the sum of credit amounts included in the file. When exceeding available characters, another file must be generated.
8. Reserved: Reserved for future use.
   B.C.R.A. NATIONAL PAYMENTS SYSTEM – TRANSFERS | Section 1. Batch Transfers | Version: 3rd COMMUNICATION “A” 8295 Validity: 08/08/2025 Page 42

B.C.R.A. ORIGIN OF THE PROVISIONS CONTAINED IN THE ORDERED TEXT ON NATIONAL PAYMENTS SYSTEM – TRANSFERS TEXTO ORDENADO | NORMA DE ORIGEN | OBSERVACIONES