Argentina CVU Validator
Validate authenticity, PSP entity code, and Modulo 10 check digits for Argentine CVU virtual accounts.
About Argentina CVU Validation
Validation of the Clave Virtual Uniforme (CVU) verifies strict 22-digit numeric length, mandatory '000' virtual account prefix, and mathematical correctness of both check digits under BCRA rules.
Invalid CVU numbers cause immediate transaction rejections in COELSA inter-wallet clearing, blocking instant payments and e-commerce checkout flows.
Argentina CVU Anatomy & Structure (22 Digits)
The 22-digit Argentine CVU consists of 2 independent validation blocks:
| Position | Field | Length | Meaning & Rule | Example |
|---|---|---|---|---|
| 1 to 3 | Virtual Prefix | 3 digits | Fixed '000' prefix allocated by BCRA to indicate non-bank virtual accounts | 000 |
| 4 to 7 | PSP Code | 4 digits | Unique identifier of the BCRA-registered Payment Service Provider | 0003 |
| 8 | Block 1 Check Digit (D1) | 1 digit | Weighted Modulo 10 check digit over the 7 initial digits using weights [7, 1, 3] | 9 |
| 9 to 21 | Account Number | 13 digits | Unique digital wallet / subaccount identifier assigned to the user | 0123456789012 |
| 22 | Block 2 Check Digit (D2) | 1 digit | Weighted Modulo 10 check digit over the 13 account digits using weights [7, 1, 3] | 0 |
CVU Integrity Algorithm (BCRA Weighted Modulo 10)
BCRA specifies the calculation of 2 check digits via Modulo 10 with cyclical weights [7, 1, 3]:
DV = (10 - (Σ (d[i] × [7, 1, 3][i % 3])) % 10) % 10
- 1. Block 1 (PSP): multiply the first 7 digits by the cyclical weights [7, 1, 3, 7, 1, 3, 7].
- 2. Compute the sum of products and remainder modulo 10: DV1 = (10 - (Sum % 10)) % 10.
- 3. The calculated result must match the 8th digit of the CVU.
- 4. Block 2 (Account): multiply the 13 account digits by the cyclical weights [7, 1, 3, 7, 1, 3, 7, 1, 3, 7, 1, 3, 7].
- 5. Compute DV2 in the same way: DV2 = (10 - (Sum % 10)) % 10.
- 6. The CVU is fully valid if both check digits match and the prefix is '000'.