What is the official website of the payment service?
https://www.naranjax.com
- Direct message
- Leave a review
- Bookmark
- Share
- Report
- prev
- next
Where can I find the customer support contacts?
Customer support contacts are available on the Naranja X website in the "Contact" section and within the Naranja X mobile app under "More → Chat"
What is the hotline phone number?
The main customer service phone number is 0810-333-6272 for Argentina and +54 (351) 5708979 for calls from abroad
Is there a toll-free support number?
Yes, there is a toll-free support number for clients in Argentina: 0810-333-6272; there is also a separate line for merchants: 0810-555-6272
What is the email address for technical support?
Technical support email is not explicitly listed, but for account inquiries, email is [email protected], and for card-related issues, [email protected]
Are there separate emails for different types of inquiries?
Yes, there are separate emails for account inquiries ([email protected]) and card-related issues ([email protected])
Where can I find the online chat support?
Online chat support is available within the Naranja X mobile app under the menu "More → Chat," accessible 24/7
Does the chat support work 24/7?
Yes, the chat support in the mobile app is available every day, around the clock
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information on support availability via Telegram or WhatsApp
What are the support working hours?
Customer support phone lines work during typical business hours; chat support is 24/7
Does support work on weekends and holidays?
Chat support is available every day, including weekends and holidays; phone support hours may vary
Are there regional offices for in-person visits?
Yes, Naranja X has over 180 physical branches and customer service centers across Argentina
Where are the physical offices located?
Physical offices are mainly located in Córdoba and Buenos Aires, with branches throughout Argentina
Can I schedule a personal meeting?
There is no publicly detailed scheduling system for personal meetings; visits typically follow branch hours
Are there representatives in different countries?
The company operates primarily in Argentina, with no verified information about representatives in other countries
In which languages is support available?
Support is primarily available in Spanish, the official language of Argentina
How quickly does support respond to requests?
Average response times for chat support are immediate; phone and email responses usually occur within hours to one business day
Is there a priority system for VIP clients?
No verified information about a VIP priority support system is available
Can I request a callback?
There is no detailed public information on a callback service
When was the payment service founded?
Naranja X was founded in 1985
Who is the founder and owner of the service?
Founded by David Ruda and Gerardo Asrin; Banco Galicia became a major shareholder and increased ownership in the late 1990s
In which country is the company registered?
Argentina
What is the development history of the payment service?
Started as Tarjeta Naranja in 1985 focusing on in-house financing; Banco Galicia joined as shareholder in 1995; expanded nationwide; rebranded to Naranja X in 2017; merged with Tarjeta Nevada in 2018 expanding service range and geography
Have there been major updates or rebranding?
Yes, rebranded from Tarjeta Naranja to Naranja X in 2017 with expanded fintech services including digital wallet, loans, and payment solutions
Who sits on the company's board of directors?
Specific current board details are not publicly disclosed; key executives include CEO Pablo Caputto and Senior Security Analyst Pablo Miranda
Are there investors or partners in the service?
Banco Galicia is a significant shareholder; strategic partnerships include Visa and various payment technology providers
Does the company participate in stock trading?
It is a private company and does not appear publicly traded
What is the company's market capitalization?
No public market capitalization data available as it is privately held
Are there subsidiary companies or branches?
Operates with a network of branches in Argentina; merged with Tarjeta Nevada; no other publicly known subsidiaries
What licenses does the payment service have?
Licensed and authorized by the Central Bank of the Argentine Republic for financial and credit card services
In which jurisdictions does the service operate officially?
Officially operates within Argentina
Are there licenses for cryptocurrency operations?
No verified information about cryptocurrency-specific licenses
Does the service comply with AML/KYC requirements?
Yes, it complies with Argentine AML and KYC regulations including customer identity verification
Are there security certificates (PCI DSS, etc.)?
Yes, holds security certifications including PCI DSS compliance for card transaction security
Has the service undergone security audits?
Yes, the company performs regular security audits and employs Palo Alto Networks solutions for data protection
Is there insurance for client funds?
Client funds are protected under applicable Argentine financial regulations; specific insurance details not publicly listed
Which international standards does it comply with?
Complies with PCI DSS, Argentine financial regulations, and data protection best practices
Have there been any regulatory fines or violations?
No publicly disclosed regulatory fines or violations
Where can I find real reviews about the service?
Reviews are found on Google Play Store, Apple App Store, and fintech review websites
What are the main user complaints?
Common complaints include occasional delays in customer service response and app usability issues
What do users most often praise the service for?
Ease of use, no account maintenance fees, useful financial tools, and flexible installment payment plans
Are there issues with fund withdrawals?
No major widespread withdrawal issues reported; generally smooth withdrawal processing
Is the interface convenient according to users?
The mobile app and web interface receive positive feedback for being user-friendly and intuitive
Are clients satisfied with transaction speed?
Users report satisfactory transaction and payment processing speeds
Do users recommend this service?
Yes, many users recommend Naranja X for digital banking and credit card services
How do experts assess the service's reliability?
Experts recognize Naranja X as a leading Argentine fintech with a stable and secure infrastructure
Are there industry awards and recognitions?
Specific awards not publicly listed; recognized as a major fintech and credit provider in Argentina
Does the service participate in payment system rankings?
Participates as a top credit card issuer and fintech in Argentine payment system rankings
Are there recommendations from financial regulators?
The service is fully regulated and operates under the guidance of Argentine financial authorities
What reputation does the service have among partners?
Well-regarded by business partners and merchants for reliable payment solutions and collaborative initiatives
How do they evaluate solution innovation?
Considered innovative in Argentina for combining credit, loans, and digital wallet tech under one ecosystem
Are there quality service certificates?
Holds certificates aligned with financial regulations and cybersecurity standards
Does the company participate in industry conferences?
Participates in regional fintech and payments conferences; active in industry discussions
How does the service position itself in the market?
Positions itself as an inclusive, accessible fintech offering digital credit, payments, and personal finance management for Argentine users
Which fiat currencies does the service support?
Primarily supports Argentine Peso (ARS)
Are cryptocurrencies supported? Which ones specifically?
No confirmed support for cryptocurrencies in payment or wallet services
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token
Can currencies be converted within the service?
Supports currency conversion such as buying/selling MEP dollars within the app (specific to Argentine foreign exchange market)
What exchange rates are used for conversion?
Exchange rates reflect official market and MEP dollar rates; updated according to local financial market data
How often are exchange rates updated?
Exchange rates are updated frequently to reflect market conditions, typically daily or in real-time for MEP dollar trading
Are stablecoins supported?
No public indication of stablecoin support
Can exotic currencies be handled?
Exotic currency support is not available
Are there currency restrictions in different countries?
Operates strictly within Argentina; usage and currency operations restricted geographically
What types of transfers does the service support?
Supports bank transfers, virtual wallet transfers, payment links, and P2P transfers within Argentina
Can transfers be made between service users?
Yes, peer-to-peer transfers within the platform are supported and instant
Are transfers to bank cards supported?
Transfers to bank cards are supported through linked banking relationships
Can money be transferred to bank accounts?
Money transfers to Argentine bank accounts are supported without commission in many cases
Is bill payment available?
Yes, users can pay utility bills, mobile phone top-ups, subscriptions, and other services online
Are recurring payments supported?
Recurring payment options are available for bills and subscriptions
Can automatic transfers be set up?
Users can configure automatic debits and transfers for bill payments and credit card payments
Is payment scheduling available?
Payment scheduling is supported within the digital platform
Are group payments supported?
No specific group payment or splitting features publicly detailed
Can payment links be created?
Yes, payment links can be created and shared for business or personal use
What are the minimum transaction amounts in the service?
Minimum transaction limits vary by service; typical minimums are low to accommodate everyday use
What are the maximum amounts that can be transferred?
Maximum amounts depend on user verification level and regulatory limits
Are there daily limits on operations?
Daily transaction limits apply as per regulatory and internal policies
What monthly and annual limits are in effect?
Monthly and annual limits exist depending on account type and verification status
Can limits be increased? How?
Limits can be increased by completing higher verification levels and compliance checks
Do limits differ for verified users?
Yes, verified users have higher transaction and transfer limits
Are there restrictions for new accounts?
New accounts have initial limits to reduce risk and comply with regulations
Do special limits apply in different countries?
Operations are Argentina-based and limits comply with local regulations only
Can operations be temporarily blocked?
Yes, operations can be blocked temporarily due to security, compliance, or suspicious activities
Are there limits on the number of daily operations?
Limits on the number of daily transactions exist to prevent fraud and system misuse
What are the minimum amounts for account funding?
Minimum deposit amounts are generally low, suitable for retail users
What methods of funding are supported?
Funding methods include bank transfers, card deposits, and transfers from other digital wallets
Are there fees for funding?
Generally, account funding has no fees; some methods may have third-party fees
What are the minimum funding amounts?
Minimum funding depends on method, often minimal or none for bank transfers
How quickly are funds credited when funding?
Bank transfers and card funding typically credit funds within minutes to a few hours
How can money be withdrawn from the system?
Withdrawal options include ATM cash withdrawals, transfers to bank accounts, and payments via cards
Are there fees for fund withdrawal?
Withdrawal fees may apply depending on channel, such as ATM usage fees or transfer fees
How long does withdrawal take?
Withdrawals are usually processed within minutes to 1 business day depending on method
What withdrawal limits are set?
Limits vary by verification and account type; ATM and transfer limits apply
How quickly are funds credited when funding with a card?
Card funding credits are typically instant or within minutes
How long does a bank transfer take?
Bank transfers usually complete within hours; sometimes same-day or next business day
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported
Are transfers between users instant?
Internal transfers are instant or near-instant
Are there delays when funding on weekends?
Some bank-related funding may delay on weekends but app internal wallets operate 24/7
Do holidays affect funding speed?
Yes, banking holidays can delay fund processing
Can crediting be accelerated for a fee?
No specific express funding service publicly described
What determines the speed of funding processing?
Speed depends on funding method, bank processing times, and regulatory clearing
Are there notifications about funding status?
Users receive transaction status notifications via app alerts and email
What to do if funding takes too long?
Contact customer support for investigation if funding is delayed beyond expected times
How quickly are withdrawal requests processed?
Withdrawals generally process within same day or next business day depending on method
How long does card withdrawal take?
ATM card withdrawals are typically instant at point of service
How quickly do bank transfers arrive?
Bank transfers are usually completed within hours or next business day
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not available
Are there withdrawal delays on weekends?
Possible delays occur with bank-related withdrawals on weekends
Do holidays affect withdrawal speed?
Withdrawals can be delayed due to holidays impacting banks and processors
Can withdrawal be accelerated for an additional fee?
No specific express withdrawal service publicly noted
What determines withdrawal processing time?
Processing depends on withdrawal method, verification status, bank and processor timing
Are there notifications about withdrawal status?
Withdrawal status notifications are provided via app and email alerts
Can a withdrawal request be canceled?
Cancellation of withdrawal requests depends on processing stage and channel; often not possible once processed
How to register with the payment service?
Registration is done via the Naranja X mobile app by entering personal information, verifying identity, and setting security credentials
What data is needed to create an account?
Requires personal ID details, email, phone number, and photo identification for verification
Can registration be done without email?
Email is generally required to complete registration for verification and communications
Is phone confirmation required during registration?
Yes, phone number confirmation is part of the registration process
Are there age restrictions for registration?
Minimum age is 18 years as per Argentine financial regulations
Can a corporate account be created?
Corporate account options are limited; primarily focused on individual users, but merchant services are available
Is it required to provide real data?
Yes, real identity information is mandatory due to KYC and AML compliance
Are there country restrictions for registration?
Registration is restricted to residents of Argentina
How long does account activation take?
Account activation usually takes a few minutes to hours after identity verification
What verification levels exist?
Multiple verification tiers including basic identity verification and enhanced verification for higher limits
What documents are required for basic verification?
Official ID (DNI or passport), proof of address may be required
Are documents needed for full verification?
Yes, additional documentation such as proof of income or address may be requested
Are digital copies of documents accepted?
Yes, digital copies/photos of documents are accepted during registration
How long does the verification procedure take?
Verification typically takes a few hours to one business day
Can the service be used without verification?
Limited usage possible; full functionality requires verification
What restrictions apply to unverified users?
Unverified users have lower transaction limits and restricted access to financial services
Is address confirmation required?
Yes, address verification is generally required for enhanced services
Is a selfie with documents required?
Yes, selfie verification is part of the identity confirmation process
How often do documents need to be updated?
Documents are updated as needed per regulatory requirements, typically every 1-2 years
What encryption technologies does the service use?
Uses industry-standard encryption including TLS to protect data in transit and AES for data at rest
Is two-factor authentication supported?
Yes, 2FA is supported and encouraged for account security
Are there SMS confirmations for operations?
SMS confirmations are used for sensitive operations and identity verification
Is biometric authentication supported?
Biometric options such as fingerprint or face recognition are supported in the mobile app for login
Is blockchain technology used?
No direct blockchain technology usage is publicly confirmed for core services
Is there a multi-level security system?
Yes, multi-layer security architecture including firewalls, intrusion detection, and access controls
How is user personal data protected?
User data is protected through encryption, strict access controls, and compliance with data privacy laws
Is cold storage used for cryptocurrencies?
Cryptocurrency services are not part of Naranja X; no cold storage used
Is there DDoS attack protection?
Yes, infrastructure includes DDoS mitigation measures
Are regular security audits conducted?
Yes, regular security audits and penetration testing are performed
What anti-phishing protection measures are provided?
Anti-phishing features include secure communications, education, and monitoring for suspicious activities
Is there a suspicious activity detection system?
Systems monitor transactions in real-time to detect and block suspicious activity
How does the service combat money laundering?
Implements rigorous KYC, transaction monitoring, and reporting procedures aligned with AML laws
Is there blocking of suspicious accounts?
Accounts are blocked or restricted upon detecting suspicious or fraudulent behavior
What to do when fraud is detected?
Users should report immediately to customer support; the company investigates and acts to resolve fraud
How to report suspicious activity?
Through customer support channels including email, phone, and in-app chat
Is there compensation for damage from fraudsters?
Compensation policies may exist subject to investigation and terms; specifics are not publicly detailed
What user rights exist for disputed transactions?
Users have rights to dispute unauthorized transactions following regulatory procedures with customer support assistance
How to dispute account blocking?
Disputes can be initiated by contacting support and providing necessary documentation and explanations
Is there insurance against cyber attacks?
No publicly available information about specific cyber attack insurance coverage
What fees does the service charge for transfers?
Transfers between Naranja X users and to banks are generally free or low cost; specific fees depend on the transfer type
Are there fees for account funding?
Most funding methods have no fees; third-party fees may apply in certain cases
Are fees charged for fund withdrawal?
Withdrawal fees may apply depending on method, such as ATM fees or bank transfer charges
Are there fees for currency conversion?
Currency conversion fees or spreads apply based on current market rates
Are there fees for account inactivity?
No known inactivity fees are applied
Are there account maintenance fees?
Naranja X offers accounts with no maintenance fees
Are fees charged for operation cancellation?
No known fees for transaction cancellations
Are there fees for expedited operations?
No confirmed express service fees publicly listed
Are there hidden fees?
Fee policies are transparent and disclosed in user agreements
How are fees calculated for large amounts?
Fee schedules may have tiered structures; specifics depend on transaction type and volume
Are there different tariff plans in the service?
Pricing plans focus on user segments with some offers for merchants and credit customers
What advantages does VIP status provide?
No confirmed VIP status or benefits publicly described
How to get preferential conditions?
Preferential terms may be available to select customers via negotiations or credit history
Are there free operations per month?
Many basic operations such as transfers are free within monthly limits
Are there discounts for active users?
Promotions and discounts may be offered for active users or merchants
Are there corporate tariffs?
Corporate and business customer tariffs are managed separately with specific product offerings
Can individual conditions be obtained?
Custom conditions may be negotiated for high-value or business clients
Do promotional codes work for fee reduction?
Promotional codes and offers are periodically available
Are there cashback programs?
Cashback is offered on certain credit card promotions and partner deals
Are there discounts for transaction volumes?
Volume-based discounts may be available for merchant services
Is there an official mobile application?
Yes, Naranja X has an official mobile app available
On which platforms is the application available?
Available on Android and iOS platforms
What functions are available in the mobile application?
Account management, payments, transfers, loan requests, card management, payment link creation, and financial tools
Does functionality differ from the web version?
The app offers full core functions; web access may have some limitations on loan and card functionalities
Is Touch ID/Face ID supported?
Yes, biometric authentication like Touch ID and Face ID is supported for app login
Can the application work offline?
The app requires internet access for most functions; some cached data may be available offline
Are there push notifications about operations?
Yes, users receive push notifications for transactions and account alerts
Is dark theme supported?
Dark mode is available in the mobile app settings
How often is the mobile application updated?
The app receives frequent updates, approximately every 1-2 months
Are there beta versions of the application?
No public beta testing program information available
Is the web interface of the service convenient?
Web interface is designed for usability with responsive design elements
Is responsive design supported?
Yes, the web platform is mobile-responsive
In which languages is the interface available?
The interface is available primarily in Spanish
Is there a night mode for the website?
Dark mode for the website is not explicitly confirmed
Are hotkeys supported?
Hotkeys are not typically supported in financial web platforms
Can data be exported?
Some transaction and account data export options may be available in user account sections
Is there an API for developers?
API access is available for business and merchant integrations
Is integration with other services supported?
Supports integration with major payment gateways and point-of-sale systems
How often is the web interface updated?
Web platform updates are performed regularly to maintain security and features
Are there virtual cards in the service?
Yes, virtual credit and debit cards are available instantly via the app
Can disposable cards be created?
Disposable or single-use virtual card options are not publicly specified
Is multi-currency account functionality supported?
Accounts operate mainly in Argentine Pesos; limited MEP dollar trading available
Are there investment products?
No direct investment products offered; focus is on credit, debit, loans, and payments
Can interest be earned on balance?
Yes, daily interest is earned on account balances via the remunerated account feature
Are there credit products?
Personal loans and credit cards are available from Naranja X
Is P2P trading supported?
Peer-to-peer fund transfers within the platform are supported; P2P trading in cryptocurrencies or stocks is not supported
Can cryptocurrencies be bought/sold?
Users can buy and sell MEP dollars, an Argentine market product, but no mainstream cryptocurrencies
Is there acquiring for business?
Yes, merchant acquiring services are offered with payment terminals and payment links
Are mass payouts supported?
Bulk payment capabilities for business customers are available
Is there a loyalty program in the service?
Yes, loyalty programs and promotions are part of the Naranja X ecosystem
How are bonus points earned?
Bonus points are earned through credit card use and partner promotions
Is there cashback for operations?
Cashback offers exist primarily linked to credit card promotions
Are there referral programs?
Referral programs are available rewarding users for new customer acquisitions
What privileges do VIP clients have?
No detailed VIP client privilege information publicly provided
Are there seasonal promotions and offers?
Seasonal promotions and special offers are regularly launched
Can premium status be obtained?
Premium account upgrades or statuses are not explicitly detailed
Are there partner discounts?
Partner discounts are offered through merchant collaborations
Are there corporate loyalty programs?
Corporate loyalty programs are not broadly publicized
Does the service allow operations with online casinos?
No publicly stated policy allows casino-related transactions
Are there restrictions on gambling transactions?
Transactions related to gambling and casinos likely restricted due to regulatory guidelines
Can accounts be blocked for casino play?
Accounts can be blocked if suspicious gambling-related activities are detected
How does the service view gambling?
The service operates under Argentine regulations which tend to limit casino-related financial transactions
Are there special conditions for gambling?
No public special conditions exist for gambling transactions
Are casino transactions tracked?
Financial transactions involving casinos are monitored as part of compliance
Can operations with gambling sites be hidden?
No, transparency is required to comply with financial regulations
Are there notifications about gambling expenses?
No specific gambling expense tracking features mentioned
Are there special fees for gambling operations?
No defined special fees for gambling transactions are publicly available
Can limits be set on gambling?
No dedicated gambling spending limit controls are described
Is there a self-exclusion function?
No specific self-exclusion functions for gambling reported
Can access to gambling sites be restricted?
This typically depends on user device controls, not the payment service
Is gambling expense control supported?
No specialized gambling expense control tools provided
Are there notifications about limit exceedance?
Standard transaction alerts exist; specific gambling limit alerts not specified
Can operations with casinos be blocked?
Yes, suspicious or flagged transactions can lead to blocked operations
Is there gambling expense statistics?
Gambling-related expense analytics are not publicly indicated
Is a "cooling-off period" supported?
No cooling-off period specifically for gambling is mentioned
Can help be obtained for gambling addiction?
No designated gambling addiction support programs are publicly associated
Is there partnership with player assistance organizations?
No formal partnerships publicly listed
How to set up gambling expense notifications?
Not applicable due to lack of specific gambling expense monitoring
Which online casinos accept this payment method?
No verified list or endorsements by online casinos
Are there exclusive partnerships with specific casinos?
No known exclusive partnerships with casinos
Do conditions differ when used in different casinos?
Not applicable, as casino transactions are regulated and restricted
Are there special bonuses for using this method in casinos?
No casino-specific bonuses are offered
Can the method be used for both deposits and withdrawals in casinos?
Not verified or supported
Are there geographic restrictions for casino usage?
Argentine regulations limit gambling transactions geographically
How do casino operators typically process transactions from this method?
Not publicly documented
Are there typical processing times when used with casinos?
Not applicable
Do casinos usually charge additional fees for this method?
Not documented
Are there any known compatibility issues with major casino platforms?
Not applicable or documented