Regulatory Alerts2025-09-08 | A 8321Circular SINAP 1-236 National Payments System – Immediate Debit Update
The Bank of the Argentine Republic (BCRA) issued Communication “A” 8321 to update the regulations governing the National Payments System’s Immediate Debit (DEBIN) mechanism. The circular establishes operational rules, participant roles, cost structures, and notification requirements for both recurring and occasional DEBIN transactions across financial entities and payment service providers. It mandates free receiving debits, caps interchange fees at 0.3% per operation, and defines strict authorization, dispute, and reversal procedures to ensure immediate online crediting and enhanced consumer protection.
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