9 apps to charge with credit cards in Argentina

Cards are an important means of payment for customers wishing to make online purchases. Currently, there are different apps that facilitate card payment. In this article, we explain what they are and the benefits they offer to your business. 

How does a card payment app work?

A card payment app allows a business to receive the money from a customer's purchase by entering the card data into a reader attached to the mobile device, using a card reader, QR code or payment link. The information is then validated with the issuing bank and the funds are transferred to the business according to the established credit. 

In Argentina, more and more businesses are looking for fast and secure solutions to receive payments, both physical businesses and online stores in Mercado Libre or Tiendanube. 

9 apps to charge with credit cards in Argentina

In Argentina there are different card payment applications. Here we explain some of their features:

Pago Nube

In Argentina, customers can pay by debit or credit card. Pago Nube offers interest-free installment plans in the Plan Nube and the Plan Cuota Simple. Stores pay a commission according to the crediting period set for withdrawing the money: 1, 7 or 14 days.  

Pago Nube takes measures such as data encryption and one-time passwords so that information is protected during transactions.

Mercado Pago

The app can be used with the card reader (Point Mini or Point Tap), with QR, payment links or accepts NFC payments by bringing your mobile device close to the customer's device. It works with debit and credit cards.

In the case of the QR code, the customer must scan it with their Mercado Pago app or other digital wallet or, if in person, bring the NFC-enabled device close to their phone. The payment will be confirmed immediately and credited to the account.

Mercado Pago uses SSL(Secure Socket Layer) protocol to protect sensitive information during payments, does not store the card's security code and allows 24-hour monitoring of payments. 

Learn about other alternatives to Mercado Pago in Argentina.

PayPal

In addition to the digital wallet, it has an app that receives domestic and international credit and debit card payments. It generates a personalized Paypal.me link that you can send to your customers by message, email or social networks to make payments.

This app allows you to close sales in real time and protects your data, as it does not require you to share your bank account information. It only asks for a commission each time it receives a payment from domestic and international customers. 

As security measures, PayPal does not display credit card information, works with data encryption and monitors transactions to prevent fraud. 

MODE

The app is available for iOS and Android. Customers must integrate their payment button in your store to be able to pay with credit and debit cards associated with the MODO account.

The crediting term will depend on what has been agreed and you will receive the money from the sales in the bank account you have notified.

This app is backed by the Argentine banking system and protects transactions with the same security measures of the financial institution. It does not store card information, but facilitates the connection between the bank and the transaction to be made from the app.

Ualá Bis

The mobile app is available for Android and iOS. Face-to-face sales are charged by POS Mini or by QR. For remote payments, the payment link is enabled and sent via WhatsApp, social networks or mail. 

Ualá Bis can be added to your Tiendanube or your own online store. Customers can pay with Visa, Mastercard, Cabal, American Express and Naranja cards. You receive immediate credit for sales in your Ualá.

In terms of security, Ualá Bis follows the PCI-DSS standard to protect user data and uses encryption algorithms to protect transaction information.

GOquotas

This platform offers customers the possibility of paying in interest-free installments with debit cards from financial institutions, prepaid or state-issued cards.

It does not have a registration fee or fixed cost, but a commission for each sale. It has the option of payment link and QR.

GOQuotas works as an intermediary. You receive the full payment of the sale in the bank account, regardless of whether the customer is late in paying the rest of the money.

Getnet

It is an application developed by Banco Santander that offers payments with credit, debit and prepaid cards in your online store. You can configure the time period for crediting the money and choose whether you receive it in your bank account or virtual wallet.

Among the security measures of this app are data protection with encryption and tokenization techniques, user identity verification and fraud detection protocols implemented by the Santander Group.

Orange Touch X

The app is downloaded to the cell phone, the reader is connected via Bluetooth and the card is charged from the phone. For each sale a percentage of commission and taxes is paid, depending on whether it is immediate credit, in 14 days or 60 days, if it is a credit or debit card.

The card reader allows charging by chip, contactless or magnetic stripe system. It accepts a variety of debit, credit and prepaid cards, such as Visa, Mastercard, American Express and Cordobesa cards.

The Naranja X app has a security center for fingerprint management, facial recognition and passwords, as well as identity confirmation with ID photos and selfie. 

Ship

It is a payment platform via QR, payment link, Nave point and online store. It allows real-time payment confirmation, sales details and personalized summaries, you can choose when to credit sales, offer installments and discounts.

Nave uses advanced technology to protect financial data through encryption to prevent interception. Biometric authentication and an anti-fraud system are also available. It allows detailed tracking of each collection and validation of payments.

An option that goes beyond apps: Rebill

Rebill arrives in Argentina as the smartest digital payments infrastructure in LATAM. It is designed for companies that need to automate collections, manage subscriptions and improve the conversion of their online payments with total security.

Some advantages of Rebill' s payment gateway are:

• Multiple payment methods in ArgentinaCredit and debit cards (Visa, Mastercard, American Express, etc.), bank transfers, cash payments and digital wallets such as Mercado Pago through transfers 3.0, with the option of payment in installments.
• Hyper-customizable checkout: adapt the design, logic and even your domain to offer a checkout experience aligned with your brand, which can increase your conversion rate by up to 35%.
• Increased payment approval and recovery: 20% better approval rate than the market average and automatic recovery of up to 71% of rejected payments with intelligent retries.
•  Flexible recurring charges: set up weekly, monthly, annual or customized plans, with support for upgrades, downgrades, real-time cancellations and even free trial periods.
• It complies with PCI DSS level 1 certification, guaranteeing the highest standard in financial data protection in this type of platforms.
• Automated multichannel notifications: send reminders or confirmations to your customers via WhatsApp or Email without external integrations.
• Certified security: complies with PCI DSS level 1, the highest standard in financial data protection.
• Agile integration: connect Rebill to your stack in less than an hour via modern SDK or REST API with clear documentation.
• Unlike other platforms, it includes services such as subscription management at no additional cost.

Why consider more advanced solutions than a credit card payment app?

Apps are practical for small businesses, but a payment platform in Argentina like Rebill allows for checkout customization, control and management of recurring collections, and automation of payments and notifications, making it the ideal choice for businesses in Argentina looking to scale.

A certified and tokenized payment service minimizes the risk of fraud and has detailed real-time monitoring of transactions. This facilitates processes such as refunds, audits, reconciliations and provides greater confidence and transparency.

What are the advantages of using apps for card payment?

Card payment apps help businesses sell more, more securely and with fewer obstacles. In addition, it offers these advantages: 

• Increased customer convenience: you can choose the payment method of your choice
• Remote collections: transactions can be managed from anywhere in the world, either in installments or cash.
• Transaction security: they use advanced encryption technologies and safeguard customer data to prevent fraud.
• Financial control: you can monitor online payments in real time and define whether you want immediate crediting or crediting on certain business days.
• Professional image: by using a recognized payment app you provide greater security and confidence to customers.
• You don't need expensive infrastructure: you only need to download the app and a commission will be deducted for the sale, there is no fixed monthly payment or minimum sales.

How to choose a card payment app?

When choosing a card payment app, these elements must be taken into account:

• Define your priorities: whether you want to receive money for in-person purchases, via payment link, QR code or card reader.
• Customer experience: it must be an intuitive and user-friendly app to facilitate purchases.
• Integrations: evaluate if they work integrated with financial entities, online payment systems or recharges.
• Customer segment: whether it is an app that works only with local payment methods or also accepts international ones.
• Business economics: take into account your sales volume, whether you offer the option of cash or installments, the commission percentage and credit terms.

Implementing a card payment app is a step towards the modernization of your business, whether you sell on social networks, in a physical store or in an online store. 

But if your goal is not only to grow in Argentina, but throughout Latin America, trust Rebill, the online payment platform that will integrate the different types of payment in an automated and secure way.

Simplify your collections and offer the best payment experience to your customers with Rebill. Contact us, try our platform and start collecting by card quickly and securely.