# Regional Requirements for Card Present

The **Getnet Global API** supports **Card Present (CP)** transactions across multiple countries in Latin America. While the API structure is unified, each country has specific requirements for currency, installment plans, and regulatory compliance. This document outlines the regional variations you must account for in your integration.

## Supported Regions

Card Present transactions are available in the following countries:

| Country | ISO Code | Currency | Currency Code |
| --- | --- | --- | --- |
| **Chile** | CL | Chilean Peso | `CLP` |
| **Argentina** | AR | Argentine Peso | `ARS` |
| **Mexico** | MX | Mexican Peso | `MXN` |
| **Brazil** | BR | Brazilian Real | `BRL` |

<Callout type="note">

The `currency` field in the API request must always use the ISO 4217 alphabetic code (`CLP`, `ARS`). The `amount` field is always expressed in the smallest currency unit (cents).

</Callout>

## Feature Availability by Country

Not all Card Present features are available in every country. Use the matrix below to determine what your integration must support per region:

| Feature | Chile | Argentina | Mexico | Brazil |
| --- | --- | --- | --- | --- |
| **Chip + PIN** (`online_pin`) | ✅ | ✅ | ✅ | ✅ |
| **Chip (No CVM)** (`no_cvm`) | ✅ | ✅ | ✅ | ✅ |
| **Contactless (NFC)** | ✅ | ✅ | ✅ | ✅ |
| **Magnetic Stripe** | ✅ | ✅ | ✅ | ✅ |
| **Installments** | ✅ | ✅ | ✅ | ✅ |
| **Installment Quotes** (`/v2/payments/quotes`) | ✅ | ✅ | ❌ | ❌ |
| **Pix (QR / NFC)** | ❌ | ❌ | ❌ | ✅ |
| **Cashout** (`data.cashout`) | ❌ | ✅ | ❌ | ❌ |

<Callout type="warning">

The installment quotes endpoint (`POST /v2/payments/quotes`) is **only available for Argentina and Chile**. Merchants in Mexico must use pre-negotiated installment plans without querying for dynamic quotes.

**Cashout**: Purchase with cash withdrawal is **only available in Argentina**. It accepts `DIRECT_DEBIT` with a domestic debit or domestic prepaid card, read by `chip` or `chip_contactless`. See [Create a Single-Step Card Present Payment](/en/global-api/sep-card-present/payment-guides-cp/single-step-payment-cp) and [Cancel a Card Present Payment](/en/global-api/sep-card-present/payment-guides-cp/cancel-a-payment-cp).

</Callout>

## Currency Requirements

The `data.currency` field is mandatory for all Card Present payment requests. Always use the ISO 4217 alphabetic code matching the country where the terminal is registered:

```json
"data": {
  "amount": 30960,
  "currency": "CLP"
}
```

Accepted values: `ARS`, `CLP`, `USD`, `EUR`, `MXN`.

## Installment Plans by Country

Installment behavior varies significantly by country. The plan `schema` and `type` returned by the quotes endpoint (or pre-configured in your integration) determine how the card network settles the transaction.

### Argentina

Argentina uses the **Plan Ahora** government-sponsored installment program.

| Schema | Type | Description |
| --- | --- | --- |
| `plan_ahora` | `no_interest` | Merchant-financed plan with no interest for the customer. |
| `plan_emisor` | `with_interest` | Issuer-financed plan where the customer pays interest. |

**Installment Quote Request Example (Argentina):**

```json
{
  "amount": 12000,
  "bin": "601070000",
  "installment_type_filter": "no_interest"
}
```

**Quote Response Example (Argentina):**

```json
{
  "amount": 10000,
  "options": [
    {
      "quote_id": "06f256c8-1bbf-42bf-93b4-ce2041bfb87e",
      "schema": "plan_ahora",
      "type": "no_interest",
      "number": 2,
      "installment_amount": "5000",
      "total_amount": "10000"
    }
  ]
}
```

### Chile

Chile uses issuer-managed installment plans (`plan_emisor`).

| Schema | Type | Description |
| --- | --- | --- |
| `plan_emisor` | `no_interest` | Issuer-financed plan with no interest for the customer. |
| `plan_emisor` | `with_interest` | Issuer-financed plan where the customer pays interest. |

**Quote Response Example (Chile):**

```json
{
  "amount": 10000,
  "options": [
    {
      "quote_id": "06f256c8-1bbf-42bf-93b4-ce2041bfb87e",
      "schema": "plan_emisor",
      "type": "no_interest",
      "number": 2,
      "installment_amount": "5000",
      "total_amount": "10000"
    }
  ]
}
```

### Mexico

Mexico does not support the dynamic installment quotes endpoint. Use the `transaction_type` field directly in the payment request:

| `transaction_type` | Description |
| --- | --- |
| `FULL` | Single payment, no installments. |
| `INSTALL_NO_INTEREST` | Merchant-financed installments (no interest for customer). |
| `INSTALL_WITH_INTEREST` | Issuer-financed installments (customer pays interest). |

## PIN Validation Requirements by Country

Online PIN validation is mandatory in certain countries for specific transaction types. Ensure your terminal is configured accordingly:

| Country | Online PIN Mandatory | Notes |
| --- | --- | --- |
| **Chile** | Yes (Chip) | Required for all chip transactions. |
| **Argentina** | Yes (Chip) | Required for all chip transactions. |
| **Mexico** | Yes (Chip) | Required for all chip transactions. |

When `online_pin` is required, the `pin_block` and `ksn` fields are mandatory in the request. See the [Terminal Requirements](/en/global-api/reference-global/terminal-requirements) document for DUKPT configuration details.

## Read More

- **[Terminal Requirements](/en/global-api/reference-global/terminal-requirements)**: Hardware and API configuration requirements for Card Present.
- **Card Entry Modes**: Detailed breakdown of `chip`, `chip_contactless`, and `magnetic_stripe`.
- **Installment Payments Guide**: Step-by-step guide to processing installment transactions.
- **Card Present Overview**: Introduction to the SEP hardware ecosystem.