🇦🇷 CVU

Overview

CVU (Clave Virtual Uniforme) is a digital account system regulated by the Central Bank of Argentina (BCRA) that allows seamless transfers between traditional bank accounts (CBU) and virtual accounts (CVU). It's an A2A (account-to-account) transfer method used widely for digital wallets and fintech platforms in Argentina.

Through Orkestra, you can create a CVU bank transfer by specifying CVU as the payment method in the order transaction.

📝 Minimum Required Fields for CVU Transfers

When creating an Order for CVU payments, the following fields are mandatory:

Field	Type	Description
charges[].customer.documentType	Enum	Document type: must be CUIT or CUIL.
charges[].customer.document	String	Customer’s valid CUIT or CUIL number.
charges[].transactions[].paymentMethod	Enum	Must be set to CVU.

⚡ Optional CVU-specific Fields

Currently, there are no CVU-specific optional fields. CVU transfers are initiated with basic customer and transaction information.

📦 Example: CVU Order Request

JSON

{  
  "merchantOrderId": "b95e8d4c-8920-4cdd-805e-d4b9c21b619a",
  "softDescriptor": "Music Sheets",
  "amount": 150000,  
  "currency": "ARS",  
  "allowsThirdPartyPayments": false,  
  "charges": [  
    {  
      "customer": {  
        "firstName": "Frédéric",
        "lastName": "Chopin",
        "documentType": "CUIL",  
        "document": "20123456789",
        "type": "INDIVIDUAL"  
      },  
      "transactions": [  
        {  
          "paymentMethod": "CVU"  
        }  
      ]  
    }  
  ]  
}

🔁 Payment Flow Overview

• You create an order with the payment method set to CVU.
• Orkestra will generate a CVU number and Reference/Description for the payment.
• These details are returned in the transaction response.
• The customer transfers the amount from their bank account or wallet using the CVU.
• Payment confirmation is sent via webhook when the transfer is complete.

🚨 Important Notes

• CVU payments are processed in real time or near real time depending on the payer’s institution.
• Ensure that the CUIT/CUIL number provided is valid and correctly matches the account holder.
• Payments must be made exactly as per the generated CVU and Reference provided.
• Third-party payments policies depend on merchant configuration.

📦 Example: CVU Order Response

JSON

{
  "id": 54321,
  "merchantOrderId": "b95e8d4c-8920-4cdd-805e-d4b9c21b619a",
  "softDescriptor": "Music Sheets",
  "amount": 150000,
  "currency": "ARS",
  "status": "PENDING",
  "charges": [
    {
      "id": 54321,
      "amount": 150000,
      "status": "PENDING",
      "customer": {
        "firstName": "Frédéric",
        "lastName": "Chopin",
        "document": "20123456789",
        "documentType": "CUIL",
        "type": "INDIVIDUAL"
      },
      "transactions": [
        {
          "id": 12345,
          "amount": 150000,
          "paymentMethod": "CVU",
          "cvu": {
            "number": "0000003100055555555557"
          },
          "status": "PENDING",
          "transactionPageUrl": "https://paywall.orkestrapay.io/payment/transaction-id"
        }
      ]
    }
  ]
}

🛡️ Relevant Fields in the Response

Field	Type	Description
charges[].transactions[].cvu.number	String	CVU number where the customer must transfer the funds.
charges[].transactions[].transactionPageUrl	String (URL)	Hosted payment page URL (for iframe or redirect integration).
status	Enum	Order status: PENDING, FAILED.

✅ Summary

To create a CVU payment in Argentina, ensure:

• You have customer name and CUIT/CUIL document information.
• You set the paymentMethod field to CVU.
• The customer transfers the funds using the generated CVU number and reference.

Orkestra streamlines the process, letting you focus on your business 🚀.