What exactly is CacaoCash?

CacaoCash is a digital wallet built for people who travel or live in Latin America. It lets you pay with the QR codes locals use every day — Pix in Brazil, Mercado Pago in Argentina, and more — using money you load from abroad. No local bank account, no cash runs, no bad exchange rates.

How do I add money to my wallet?

Several ways — whatever's easiest for you: • ACH or SEPA bank transfer • SWIFT bank transfer You'll always see the exact rate and any fees before you confirm. No surprises.

Do I need to verify my identity?

Yes, once. It's a quick in-app process — a photo of your ID and a selfie. It keeps your account secure and lets us work with regulated financial partners across the region. Most people finish in under 3 minutes.

What if a payment is pending, fails, or I get a refund?

Pending payments usually clear on their own within minutes. If a payment fails, your balance is returned immediately. Refunds land straight back in your wallet — no waiting, no friction. If anything ever looks wrong, our support team is one message away.

Are there hidden fees?

No. CacaoCash charges 2.5% per QR payment or peso transfer, and before every payment you'll see: • The exact amount being charged • The live exchange rate • The 2.5% fee What you approve is exactly what leaves your wallet. Bank deposits have no CacaoCash fee. Full details at cacaocash.com/fees.

How do I know my money is safe?

CacaoCash is non-custodial — your funds are never pooled with anyone else's and every transaction requires your explicit approval. Identity verification and money movement are handled by licensed, regulated partners. You stay in control at all times.

Which countries are live?

CacaoCash is live today in: • 🇦🇷 Argentina — Mercado Pago QR Coming soon: • 🇧🇷 Brazil — Pix • 🇨🇴 Colombia • 🇵🇪 Peru — Yape

I lost my phone. What happens to my money?

Nothing bad. Your account is tied to your identity, not your device. Just install the app on a new phone, sign in, and everything is exactly as you left it — balance, transaction history, all of it.

How to Receive Pesos in Argentina as a Foreigner (2026)

Short answer: without a DNI, a foreigner in Argentina usually can't receive a peso transfer, because there is no alias, CVU or CBU in your name for the money to land in. The workable options today are getting paid in US dollars (cash or a foreign account like Wise or Revolut), getting paid in pesos cash, a refund to your card, or Western Union cash pickup with your passport.

Sending pesos is the easy half. Sooner or later someone needs to pay you: a landlord returning a deposit, a friend paying you back, a local client, the buyer of your furniture before you leave. They ask for your alias, and you have none to give. This guide explains why, and what actually works instead.

How receiving pesos in Argentina normally works

To receive a transfer in Argentina, you give the sender your CBU, CVU or alias (see alias, CVU and CBU explained). The pesos arrive instantly in the bank account or wallet behind that address. Simple, when you have an account.

Why foreigners can't receive pesos without a DNI

Argentine banks and wallets, Mercado Pago included, need a DNI to open an account. No account means no CVU, no CBU and no alias, so there is nowhere for an incoming peso transfer to go. The person wants to pay you and the system has no address for you.

Real options to receive money in Argentina as a foreigner

Ask to be paid in US dollars. Many Argentines hold dollars. A landlord can return a deposit in USD cash, and a client can pay a foreign invoice in USD.
Get paid in pesos cash. Still the most common fallback for small amounts: rent refunds, selling things before you leave, splitting a dinner.
A refund to your card. If you paid a deposit or a booking by card, ask for the refund to go back to the same card.
Western Union cash pickup. For money sent from abroad, Western Union pays out cash at its agents in Argentina, and you collect it with your passport. Compare costs in alternatives to Western Union in Argentina.
A Wise or Revolut account for foreign-currency payouts. A payer abroad, or an Argentine with a dollar account abroad, can pay you in USD or EUR to your own account at home. See Wise vs Revolut in Argentina.
A friend's account. A trusted friend with a DNI receives the pesos and hands them over. It works in a pinch, but it depends entirely on trust.

What CacaoCash can and can't do with pesos

To be clear: CacaoCash cannot receive pesos for foreigners. It does not give you your own alias or CVU. What it does is the other direction: you load dollars from abroad, then pay any Mercado Pago or MODO QR and send pesos to any alias, CVU or CBU at the crypto dollar rate, with a 2.5% fee shown before you confirm (details on fees). That is ≈6% to 10% more pesos than a foreign card (October 2026); the gap is explained in card dollar vs crypto dollar, and today's rates are on the Argentina dollar rate page.

So if someone owes you pesos, a practical swap is to settle in another way: they pay you in dollars or cash, and you cover your own peso payments with CacaoCash. For everything else on paying day to day, read how to pay in Argentina as a foreigner.

Frequently Asked Questions

Can I receive pesos in Argentina without a DNI?

Usually not by transfer. Argentine banks and wallets need a DNI, so you have no alias or CVU to share. Ask to be paid in USD, in cash, back to your card, or through Western Union cash pickup with your passport.

Can I receive pesos with CacaoCash?

No. With a foreign passport, CacaoCash lets you pay QR codes and send pesos to any alias, CVU or CBU, but it does not give you an alias or CVU to receive pesos.

Can I open Mercado Pago to receive pesos as a tourist?

No. Mercado Pago needs a DNI to open an account, so a tourist with only a passport can't get a CVU or alias there.

What is the easiest way to get paid by someone abroad while in Argentina?

Have them pay your own foreign account (Wise, Revolut or your home bank) in USD or EUR, or use Western Union cash pickup if you need cash in hand.