🇦🇷 CVU

Overview

CVU (Clave Virtual Uniforme) is Argentina’s digital account identifier used to send funds to non-bank accounts, such as those held at fintech institutions like Mercado Pago, Ualá, Brubank, and others.

Through Orkestra, you can initiate CVU payouts by specifying "CVU" as the paymentMethod in the payout transaction. Transfers are processed through Argentina’s local clearing systems with high coverage and fast settlement.

📝 Minimum Required Fields for CVU Payouts

Field	Type	Description
amount	Decimal	Amount to send in ARS.
currency	String	Must be "ARS".
paymentMethod	String	Must be "CVU".
receivingBankAccount.key	String	The 22-digit CVU of the recipient.
beneficiary.firstName	String	First name of the beneficiary.
beneficiary.lastName	String	Last name of the beneficiary.
beneficiary.document	String	Valid CUIT or CUIL number.
beneficiary.documentType	String	Must be "CUIT" or "CUIL"
beneficiary.type	String	"INDIVIDUAL" or "BUSINESS".

⚡ Optional CVU-specific Fields

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

📦 Example: CVU Payout Request

JSON

{
  "referenceId": "a1b2c3d4-e5f6-7890-gh12-ijklmnopqrst",
  "amount": 1000,
  "currency": "ARS",
  "paymentMethod": "CVU",
  "beneficiary": {
    "firstName": "Juan",
    "lastName": "Pérez",
    "document": "20123456789",
    "documentType": "CUIL",
    "type": "INDIVIDUAL"
  },
  "receivingBankAccount": {
    "key": "0000003100012345678901"
  }
}

🔁 Payout Flow Overview

• Send the payload via Orkestra’s API.
• The transaction is routed via local clearing (e.g. Coelsa).
• Settlement is usually processed the same day.
• Payout status is updated asynchronously.

🚨 Important Notes

• CVU and CBU are 22-digit identifiers.
• Funds can be sent to either CVUs or CBUs via the same endpoint. Use the appropriate key value.
• The document must match the owner of the receiving account. Mismatches may lead to rejection.
• Webhook notifications will inform you of payout success or failure.

📦 Example: CVU Payout Response

JSON

{
  "id": 881234,
  "referenceId": "a1b2c3d4-e5f6-7890-gh12-ijklmnopqrst",
  "paymentMethod": "CVU",
  "amount": 1000,
  "currency": "ARS",
  "status": "PENDING",
  "beneficiary": {
    "firstName": "Juan",
    "lastName": "Pérez",
    "document": "20123456789",
    "documentType": "CUIL",
    "type": "INDIVIDUAL"
  },
  "createdAt": "2025-07-13T12:00:00.000Z",
  "updatedAt": "2025-07-13T12:00:00.000Z"
}

✅ Summary

To send a CVU payout in Argentina:

• Collect beneficiary name and document information.
• Use "CVU" as the paymentMethod.
• Include a valid CVU in the receivingBankAccount.key.
• Orkestra manages the settlement and monitoring, delivering funds efficiently and securely to your recipient’s wallet or fintech account.