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Spending crypto in Argentina is now easier than ever. Thanks to Manteca, a new payment service provider integrated into Bybit Pay, users can now pay with crypto at any store displaying an Argentina QR (Transferencias 3.0) code, and no local bank account or extra apps are required. Even better, Pix QR payments in Brazil are now open to non-residents, unlocking seamless crypto payments across Latin America.
In this guide, we’ll explain what Argentina QR and Pix QR are, how to use Bybit Pay for QR payments and where you can use it in daily life.
Key Takeaways:
Argentina QR is now supported on Bybit Pay, enabling crypto payments at millions of merchants.
Pix QR in Brazil now works for non-residents, with no tax ID required.
Manteca integration brings real-world utility to crypto, boosting accessibility and inclusion.
Argentina QR, also known as Transferencias 3.0, is an interoperable QR payment system introduced by the Central Bank of Argentina (BCRA) in November 2021. Its goal is to unify all QR code–based payment systems in the country under one standard, allowing users to pay at any merchant using any wallet, app or bank account.
Whether you're using Mercado Pago, MODO, Ualá or another mobile wallet, you can scan and pay with the same QR code. For merchants, it means no extra hardware or provider lock-in. For users, locals and visitors, it offers seamless, instant and widely accepted payments.
The system has experienced rapid adoption across various sectors, including retail, public transportation, services and even government payments. Argentina QR is now one of the most accessible digital payment infrastructures in Latin America, providing a fast and low-cost alternative to cash and cards.
Manteca is a newly integrated payment service provider within Bybit Pay that’s designed to connect crypto users with local merchant networks in Argentina. Thanks to this partnership, Bybit Pay now supports payments via Transferencias 3.0, allowing you to pay at any participating business simply by scanning your standard QR code and using crypto from your Bybit Wallet.
This integration removes many of the limitations that previously excluded non-residents or crypto holders from using local payment systems.
Combined with the expanded support for Pix QR in Brazil, Bybit Pay now gives users — regardless of residency — access to Latin America’s most widely used payment rails using crypto.
It’s a significant leap toward real crypto utility, bringing daily purchases, transport and services within reach of digital asset users.
Argentina QR (Transferencias 3.0) is built on a unified protocol that allows any QR code to be scanned by any wallet or banking app. This means that whether a merchant uses Mercado Pago, MODO or another provider, a customer can scan the same code using any compatible platform, including Bybit Pay via Manteca.
For merchants, it’s a frictionless solution — with no need for POS machines or bank-specific QR codes. All they need is a printed QR code. Payments are instant, secure and settled in real time.
The system is particularly impactful for financial inclusion, providing underbanked or unbanked users with a fast and low-cost way to make payments or receive funds. It’s also hardware-free, making it perfect for both large retailers and informal sellers across Argentina.
Whether you're buying lunch, paying a bill or using public transportation, Argentina QR works seamlessly across various use cases — and now it also supports cryptocurrency.
With Bybit Pay now supporting Argentina QR codes via Manteca, crypto holders can spend their digital assets in the real world quickly, securely and without needing a local bank account.
Here's how it fits into daily life:
Retail & F&B: Pay at corner stores, supermarkets and restaurants by scanning a single interoperable QR code.
Public transport & mobility: Use crypto to pay for buses, subways and taxis in supported cities — no cash or card needed.
Street vendors & pop-up markets: Enable secure digital payments for informal sellers who rely on mobile devices and printed QRs.
Peer-to-peer transfers: Instantly send or receive crypto-converted payments by displaying or scanning a QR (ideal for freelancers and gig workers).
Utility & government payments: Pay water bills, taxes or parking fees through QR codes integrated into banking and municipal apps.
Digital wallet interoperability: Argentina QR’s open protocol means you can pay across competing wallet systems using your crypto wallet on Bybit.
This protocol opens Argentina's crypto payment scene to a broader audience, making financial tools more flexible, inclusive and global.
Paying with crypto in Argentina is now as easy as scanning a QR code. Follow these steps to make a payment using Bybit Pay and Argentina QR (Transferencias 3.0):
Step 1: Activate Bybit Pay: Download or open the Bybit App, log in and complete your KYC verification. Then, activate Bybit Pay under your account dashboard.
Step 2: Select QR payment option: Navigate to the Bybit Pay section and choose QR Pay as your payment method.
Step 3: Scan the QR code: Ask the merchant to display their Argentina QR code. Use your Bybit App to directly scan the code.
Step 4: Confirm payment details: Choose your preferred crypto for payment (e.g., USDT), review the amount and approve the transaction.
Step 5: Instant confirmation: Once approved, payment is processed instantly. The merchant receives funds in real time, with no hardware or delays.
Note: Bybit doesn’t charge extra fees for QR payments. Crypto-to-fiat conversions may include minimal exchange fees, depending upon the currency used.
Previously, Pix QR payments via Bybit Pay were limited to Brazilian residents with local tax IDs, leaving many crypto users unable to access one of the region’s most widely used payment systems.
That’s now changed.
Thanks to updates within Bybit Pay and Manteca, non-residents can now use Pix QR for everyday purchases, bill payments and peer-to-peer transfers across Brazil, without requiring a local tax ID. This opens the door to tourists, remote workers and crypto holders who have no Brazilian documentation.
Whether you’re in São Paulo or Rio, you can now enjoy fast, secure and borderless crypto payments, fully integrated with Pix.
With the integration of Manteca, and support for Argentina QR (Transferencias 3.0), Bybit Pay makes crypto spending easier, faster and more inclusive than ever. Whether you’re buying groceries, paying for transport or sending money to friends, you can now do it all by simply scanning a QR code — no bank account or local ID needed. Even in Brazil, Pix QR is now open to non-residents, breaking down barriers for global users.
Get started today with Bybit Pay and explore seamless crypto spending across Argentina and Brazil.
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