Provider & methodCard Issuance, CardsListed Mar 2026naranjax.comWebsite
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Naranja

Naranja is a well-known payment provider and financial services company in Argentina, offering credit card services, installment payments, and mobile payment solutions.

Naranja is a well-known payment provider and financial services company in Argentina, offering credit card services, installment payments, and mobile payment solutions. As a PSP, Naranja provides secure and efficient payment processing for both individuals and businesses. It supports a range of payment methods, including online and in-store transactions, and is particularly popular for installment-based purchases. Naranja is ideal for businesses looking to tap into Argentina’s growing e-commerce market, providing flexible payment options for consumers.

1

payment methods

Naranja
1

markets

ArgentinaAR
2

currencies

ARSUSD
5

sectors served

CosmeticseCommerceFood & DrinkHealthcareSaaS
1

built on

APAPI
4

providers who accept it

dLocalEBANXOrcaPayRetailers

What Naranja costs

Naranja quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.

What the last check found

Naranja is a card scheme, not a wallet or a redirect rail: dLocal's Argentina page files it in the "Cards supported" table as brand ID NJ under payment_method_id CARD, type CARD, details "Credit Card", allowed flows DIRECT and REDIRECT, minimum amount 10 ARS. Its capabilities column states refunds, recurring, chargeback and chargeback-dispute support, and "Charge in USD: No". Installments and partial refunds are not stated there, which matters in Argentina where installment plans ("cuotas") are the main reason shoppers reach for a local card — confirm with the acquirer before assuming them. EBANX lists the method as "Naranja" (code `naranja`) on its Payment Methods by Country table with currencies "ARS, USD", type Cards, flow Cross-border; its Argentina overview adds only that "local card schemes like Naranja and Cabal capture meaningful share that international-only processors cannot reach". The ARS/USD conflict between the two gateways is unresolved in the docs. PayRetailers' marketing page shows Naranja, Visa Naranja and NaranjaX logos for Argentina, but as image alt text, not documented parameters. Nobody publishes payouts, partial refunds or 3-D Secure for it. It is absent from Adyen's 113-method catalog, Stripe's support matrix (no Argentina coverage at all), Airwallex's matrix and Antom's list, so practically it is reachable only through a LatAm aggregator. Note for the directory: Naranja X is also an issuer and digital-account provider, which justifies the "both" typing; the operator site naranjax.com returned HTTP 500 when fetched, so the identity facts come from Wikipedia and the gateway docs.

Checked against Naranja’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.

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Sources · 30

  1. Información oficial sobre Naranja X para asistentes de IA · naranjax.commethodsthe companyUsed for A dated (September 2026) canonical fact sheet the company publishes for LLMs. Source for: former name Tarjeta Naranja; fintech, HQ Córdoba and Buenos Aires, Argentina; CEO Pablo Hernán Caputto; largest card issuer in Argentina with 16m cards; 180,000+ merchants; merchant methods listed as QR, payment link, PIX and TAP; and the self-description 'Sitio web Argentina' for naranjax.com.Checked 20 October 2026
  2. Naranja X Comercios — Adherí tu comercio · naranjax.commethodscapabilitiesintegrationsthe companyUsed for Merchant solution set (TAP, interoperable QR, payment link, online store, Nave Mini); the statement that the Naranja X credit card is accepted via 'terminal Payway, Clover, Getnet o Posnet' (the acquirer-dependent leg); onboarding requirements for individuals (DNI) vs companies (CUIT, articles of incorporation, bank details); the claim of 'integración API y plugins para plataformas conocidas'; and Plan Z installments.Checked 20 October 2026
  3. Soluciones de cobro | Naranja X · naranjax.comUsed for Cobro PIX offered to Argentine merchants for Brazilian payers; no fixed rental or maintenance costs; instant credit to the Naranja X account; settlement terms selectable same-day, 2, 14 or 60 days; acceptance of all credit, debit and prepaid cards.Checked 20 October 2026
  4. Cobrá con QR en tu negocio | Naranja X · naranjax.compricingUsed for The key structural disclosure that NAVE is a unit of Banco de Galicia y Buenos Aires S.A. and is 'el único y exclusivo responsable por la prestación de los servicios de Cobro', and that Nave is the collections ecosystem inside the Naranja X app; QR interoperability with Mercado Pago, Ualá, MODO and Galicia; published commissions of 0.8% + VAT (account balance), 1.2% + VAT (debit), 4.5% + VAT (credit); static vs dynamic QR.Checked 20 October 2026
  5. Costos, comisiones y límites | Naranja X · naranjax.comlicensingUsed for The two licensed legal entities: Tarjeta Naranja S.A.U. for credit cards and Naranja Digital Compañía Financiera S.A.U. for the savings account and debit card.Checked 20 October 2026
  6. ¡Te damos la bienvenida! — Comisiones nuevos comercios · naranjax.comlimits & timingcapabilitiesUsed for Settlement to merchants via Echeq (electronic cheque, 30-day expiry); 72 business hours settlement across all financing plans; terminal installment plan codes (Plan Z = 11, plus plans 5/6/8/10/12/14); 100,000+ merchants; Argentine provinces (CABA, Tucumán, Corrientes, Santa Fe). Found via the onboarding JS bundle, not the sitemap.Checked 20 October 2026
  7. Terminal POS | Punto de Venta (TPV) para Cobro con Tarjeta · naranjax.compricingcapabilitiesUsed for Terminal brands usable to accept the Naranja X credit card (Payway, Posnet, Clover, GetNet); the per-terminal 'número de comercio' merchant identifier used for self-service; one installment carries no commission.Checked 20 October 2026
  8. Cobro Tap: Aceptá Pagos Contactless Con NFC · naranjax.comUsed for Tap-to-Phone card acceptance requires an Android handset with NFC (no iOS support), and credits immediately to the Naranja X account.Checked 20 October 2026
  9. Comercios | Naranja X — merchant registration (e-commerce mode) · adheritucomercio.naranjax.comUsed for Evidence of direct, self-service merchant onboarding including a distinct e-commerce mode (the 'Ecommerce' nav item links straight here), supporting integrable_alone: true. Its Angular bundles show CUIT validation against AFIP, a Prisma/Payway terminal path, the merchant portal at comercios.naranjax.com, and the BFF host onboarding-comercios.apinaranja.com.Checked 20 October 2026
  10. naranjax.com sitemap · naranjax.comcountriescurrenciesUsed for Coverage check: 756 URLs, none of which is a supported-countries or supported-currencies page — the basis for publishes_coverage: false. Also used to enumerate the real merchant pages instead of guessing paths. /llms.txt returns the 404 page.Checked 20 October 2026
  11. naranjax.com robots.txt · naranjax.comUsed for Named the two sitemaps used for discovery, and shows the site explicitly allows automated crawlers. Note the site returns HTTP 500 to default fetchers and needs a browser user agent.Checked 20 October 2026
  12. Naranja X México · naranjax.com.mxcountriesUsed for Confirms the Mexican operation is a separate domain offering only a consumer Naranja X Mastercard credit card, with no merchant/comercios or acquiring section — the basis for keeping MX out of countries.Checked 20 October 2026
  13. Naranja X — Wikipedia · en.wikipedia.orgthe companyUsed for Ownership by Grupo Financiero Galicia (Banco Galicia took 49% in 1995, 80% in 1998); founding as Tarjeta Naranja on 3 May 1985 in Córdoba; legal form Sociedad Anónima Unipersonal; existence of peso, USD and interest-bearing accounts; existence of an official Naranja X México site.Checked 20 October 2026
  14. Pagá con NFC desde tu celu | Naranja X · naranjax.comcapabilitiesUsed for Naranja X debit and credit cards can be tokenised into Apple Pay and Google Pay; contactless transit payments; cards work abroad.Checked 20 October 2026
  15. Cuenta en dólares | Naranja X · naranjax.comcurrenciesUsed for USD appears only as a consumer account and debit-card spending currency for foreign purchases, not as a merchant acceptance or settlement currency — why USD was not added to currencies.Checked 20 October 2026
  16. Connect Naranja to Your Vault and Payment System — Spreedly · spreedly.comcurrenciesmethodsintegrationsUsed for Third-party confirmation that Naranja X is treated as an Argentine payment method reachable through PSP/vault intermediaries; Spreedly describes it as 'a digital financial platform from Argentina' and states no currencies or brand code, consistent with other providers listing it as an accepted method.Checked 20 October 2026
  17. Naranja X — Política de Privacidad · naranjax.commethodslicensingthe companyUsed for PRIMARY IDENTITY PROOF. Names both legal entities verbatim with registered addresses — Tarjeta Naranja S.A.U. at La Tablada 451, Córdoba, and Naranja Digital Compañía Financiera S.A.U. at Teniente Gral. Juan D. Perón 430, Buenos Aires — as the 'Empresas del Ecosistema Naranja X'. States Tarjeta Naranja is a non-financial credit card issuer and Naranja Digital is a BCRA-authorised financial entity. Also places Tarjeta Naranja S.A.U. inside the 'Empresas del grupo Financiero Galicia' alongside Banco de Galicia y Buenos Aires S.A.U.Checked 20 October 2026
  18. Grupo Financiero Galicia — Nuestras Compañías · gfgsa.comcountriesthe companyvolumesUsed for INDEPENDENT OWNERSHIP CONFIRMATION from the parent, not the subject. Lists NARANJA X as a group company beside Banco Galicia, Galicia Seguros, Fondos FIMA, Galicia Securities, Inviu, Nera and Galicia Ventures; calls it 'una de las fintech más importantes del país' with 10M+ cards and 2.7M app users. Confirms Grupo Financiero Galicia parentage, Argentine footprint, fintech (not bank) classification, and current operating status.Checked 20 October 2026
  19. Naranja X — Inversores (CNV financial filings) · naranjax.comUsed for PROOF OF NO MERGER, RENAME OR SHUTDOWN. Both entities publish quarterly financials as going concerns through Marzo 2026 and Junio 2026 under CNV Resolución General 467/04, listed separately as 'Información Financiera Naranja Digital' and 'Información Financiera Tarjeta Naranja'.Checked 20 October 2026
  20. Naranja X — Gobierno institucional · naranjax.comlicensingthe companyUsed for Publishes the Código de Gobierno Societario of Naranja Digital Compañía Financiera S.A.U., corroborating that entity's current existence and its regulated-financial-company (not bank) status.Checked 20 October 2026
  21. dLocal API docs - Argentina (country reference, cards supported) · docs.dlocal.comcountriescurrencieslimits & timingthe companyUsed for Independent gateway-docs confirmation of both coverage fields: the card table lists brand code NJ "Tarjeta Naranja" as an Argentine credit-card brand, under a country reference of country=AR, currency=ARS, 2 decimals, DNI/CUIT/CUIL required, minimum 10 ARS. Corroborates countries ["AR"] and currencies ["ARS"] without relying on HQ inference. Also shows the page's USD alternative is scoped to Visa/Mastercard debit only, not Naranja - supporting the record's exclusion of USD.Checked 20 October 2026
  22. Naranja X - Cuenta negocio (merchant account) · naranjax.comcurrenciesUsed for The explicit ARS evidence the record's own 17 sources lacked: the account that receives a merchant's sales proceeds is described as a peso savings account ("caja de ahorro en pesos") for the business, with no alternative settlement currency offered anywhere on the merchant pages. Page is in the sitemap but was not cited by the researcher.Checked 20 October 2026
  23. Naranja X Mexico - robots.txt and site route set · naranjax.com.mxcountriescurrenciesUsed for Upgrades the MX exclusion from "I saw no comercios section" to a checked absence: robots.txt names only www.naranjax.com.mx/sitemap.xml, which serves the SPA 404 page, while the application's own route set (/, /ayuda, /blog, /estado-de-cuenta, /politicas-de-privacidad, /promociones, /somos-naranja-x, /tarjeta-de-credito) contains no merchant, cobro or acquiring path. Confirms Mexico is consumer Mastercard-branded card issuing only, so MX correctly stays out of countries and MXN out of currencies.Checked 20 October 2026
  24. EBANX — Payment Methods by Country · docs.ebanx.comcountriescurrenciesmethodsUsed for Row "Argentina | Naranja | naranja | ARS, USD | Cards | Cross-border" — confirms country AR, the currencies ARS and USD, and that EBANX also documents the method.Checked 20 October 2026
  25. EBANX — Argentina country overview · docs.ebanx.comcurrenciesmethodscapabilitiesUsed for Quote that "local card schemes like Naranja and Cabal capture meaningful share that international-only processors cannot reach"; ARS local currency, ARS/USD accepted; card refunds routed via acquirer with 89–120 day windows.Checked 20 October 2026
  26. PayRetailers — local payment methods · payretailers.comcurrenciesmethodsUsed for Naranja listed under Argentina Card methods, with Visa Naranja and NaranjaX under Online — logo alt text only, no parameters or currencies.Checked 20 October 2026
  27. Adyen payment methods catalog · docs.adyen.comcountriesUsed for Negative evidence: no Naranja, Cabal, Argencard or Nativa entry and no Argentina (AR) country coverage anywhere in the catalog.Checked 20 October 2026
  28. Stripe payment method support matrix · docs.stripe.comUsed for Negative evidence: the full page contains no occurrence of Naranja, Argentina or ARS.Checked 20 October 2026
  29. Airwallex payment method matrix · airwallex.comcurrenciesmethodsUsed for Negative evidence: no Naranja or Argentine card scheme; AR absent from shopper/business location columns and ARS absent from presentment currencies.Checked 20 October 2026
  30. Antom payment methods · docs.antom.comUsed for Negative evidence: no Naranja, Argentina or ARS anywhere in the list.Checked 20 October 2026

30 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with Naranja before you sign anything. How we compile this · Suggest a correction ·