PVS

PVS Overview

PVS is an Argentina-based payment service provider that helps businesses accept in-person and online payments with cards and interoperable QR. On its official site, PVS highlights more than 20 years of experience, PCI DSS alignment, ISO 9001:2015 certification badges, and registration as a Payment Service Provider with the Central Bank of Argentina. Merchants can take payments in-store with POS and QR, or online through payment links and embeddable buttons. Settlement options are flexible, and PVS indicates that funds can be credited instantly depending on the configuration chosen in the account.

What You Will Learn

• Which payment methods and channels PVS supports

• How PVS handles in-person, online, and QR payments in Argentina and Brazil

• What to expect on onboarding, payout options, and compliance

• Practical pros and considerations when evaluating PVS

What Is PVS?

PVS (Pago Virtual del Sur S.A.) is a fintech operating in Argentina with expansion across LatAm. It provides acquiring and payment acceptance for cards and interoperable QR in physical locations and on the web. The company is listed as a Payment Service Provider in the Central Bank’s registry and displays PCI DSS compliant status, ISO 9001:2015, and a “Validated Service Provider” badge on its site. PVS positions itself for small and medium businesses that want to consolidate in-person POS, QR, and simple online checkout options under one platform.

Payment Methods And Channels Supported By PVS

• Card networks: Visa, Mastercard, American Express, Cabal, and Naranja X, for both credit and debit where applicable.

• Interoperable QR in Argentina: acceptance of payments from major digital wallets. PVS’s FAQ explicitly lists wallets like Mercado Pago, MODO, Cuenta DNI, and Ualá as supported through QR.

• PIX for Brazilian customers: PVS offers QR PIX acceptance aimed at collecting from tourists or Brazil-based customers who use the country’s instant payment scheme.

• In-person acceptance: POS devices marketed as SuperPOS, alongside interoperable QR, with options for printed and digital receipts and the ability to process even when Wi-Fi is weak.

• Online acceptance: Payment Links for social, chat, and messaging flows, and Payment Buttons that merchants can embed on their site or store.

These capabilities allow for omnichannel coverage: POS and QR in store, and link or button-based checkout online.

In-Person Payments: SuperPOS And Store QR

SuperPOS supports card and QR acceptance with receipts by email or print. The FAQ notes connectivity options and indicates that devices can operate using a cellular data chip when Wi-Fi is poor. PVS highlights benefits such as no hidden fees and no fixed monthly charges on in-store acceptance pages. For store staff, the day-to-day experience is designed to be straightforward: enter the amount, select card or QR, and confirm.

Interoperable QR is positioned for customers who prefer wallet payments. The merchant flow is to enter the amount, present the QR, and the customer pays from their chosen wallet. Because interoperability is mandated for domestic QR rails, PVS emphasizes broad wallet compatibility.

Online Payments: Links And Payment Buttons

For remote or web-based sales, PVS provides two lightweight options:

• Payment Links: Create a link from the PVS dashboard and share via social networks, chat, or email. The site describes this as 100 percent digital with quick setup, suitable for invoicing or one-off collections.

• Payment Buttons: Add a button to your website or product pages so customers can pay without leaving your site. This is aimed at small catalogs or services that need a fast way to collect online card payments.

Both options are presented as simple and secure paths to accept cards online without building a custom checkout.

QR Payments For Brazil: PIX Acceptance

PVS offers a dedicated QR PIX flow to charge Brazilian customers. The merchant enters an amount, selects “Cobrar QR Brasil,” and presents the QR for the shopper to scan with their PIX wallet. This targets inbound tourism and cross-border shoppers who already use PIX and expect instant payment confirmation. The flow is straightforward and does not require the customer to have an Argentine wallet.

Settlement, Payout Options, And Costs

PVS states that merchants can receive funds instantly and that payout timing and associated costs are configurable in the merchant account under Costos y Plazos. This suggests the ability to trade off between speed and cost depending on the product type, for example credit card installments or specific programs. On its pages, PVS also highlights no fixed monthly fee and no hidden fees. Exact transaction pricing is not published on the public site; merchants set their settlement preferences in the dashboard and should review the contract to understand cost impacts before going live.

Reporting, Controls, And The PVS Comercios App

PVS’s site presents a desktop and mobile experience under PVS Comercios to:

• View sales in real time

• Pay utility bills and top up mobile phones

• Buy using QR and explore a marketplace

• Access account settings, including payout timing and cost configuration

The emphasis is on centralizing day-to-day operations and giving merchants visibility 24/7.

Integrations And APIs

• Ecommerce: PVS is listed as an app on Tiendanube (a leading ecommerce platform in LatAm) for direct activation, card and transfer acceptance, and automated reconciliation within the merchant’s admin.

• APIs and technical docs: PVS publishes technical documentation for QR Argentina and PIX QR integrations, indicating that merchants and partners can integrate these rails programmatically. This is helpful for custom checkouts, kiosks, or platform-level integrations.

Merchants with more advanced requirements can start with buttons or links, then graduate to direct API integration as volumes grow.

Installments: Cuota Simple Program

PVS supports Argentina’s Cuota Simple program, which lets eligible merchants offer installment plans for approved goods and services categories. PVS publishes specific terms for merchants that opt in. Participation requires compliance with government rules, including proper signage and limiting offers to permitted categories. If installments are core to your go-to-market, verify eligibility, categories, and any fee differences before enabling.

Compliance And Regulatory Posture

• Central Bank registration: PVS states it is a Payment Service Provider registered with BCRA and clearly notes that it is not a bank and that funds in payment accounts are not bank deposits.

• PCI and ISO: PVS displays PCI DSS compliance and ISO 9001:2015 on its site. In the card ecosystem, PCI DSS provides baseline controls for handling cardholder data.

• Validated service provider: The site shows a “Validated Service Provider” badge, and PVS references industry registries. Merchants focused on compliance should document PVS’s status during vendor due diligence and keep evidence up to date.

• Consumer and financial user attention: PVS provides pages for user support and financial user attention, consistent with local consumer protection expectations.

Onboarding And Operating Requirements

PVS’s terms describe the onboarding steps: merchants apply, accept the terms, provide required documentation (including AFIP registrations), and set up their PVS POS or app access. For the app experience, the terms reference minimum supported versions for Android and iOS. The documentation also defines PVS’s digital wallet functionality available to users of its app. Merchants should complete KYC, confirm the correct tax status with AFIP, and keep their data current to avoid service interruptions.

Is PVS Right For Your Business?

Choose PVS if you need a unified platform for in-store and online acceptance that covers cards, interoperable QR in Argentina, and PIX for Brazilian payers. The platform suits SMBs that want simple online options like links and buttons, plus POS devices with QR. Teams with compliance requirements will appreciate clear BCRA registration and visible PCI and ISO badges, while finance teams can tune settlement speed versus cost. Before signing, review the latest contract terms, confirm your eligibility for Cuota Simple if installments matter, and validate fees for your preferred payout timings in the account.