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 • Credit or debit card • SWIFT bank transfer • Crypto deposit (USDC and other major assets — paste your address or scan from any wallet) 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 and crypto 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 Split a Restaurant Bill in Argentina (2026)

To split a restaurant bill in Argentina, ask the waiter "¿podemos dividir la cuenta?" (can we split the bill?). Groups usually pay with several cards, pay each share by QR at the table, or let one person pay while the rest send their share to that person's alias. The cubierto is on the bill; the tip (about 10%) usually is not.

How splitting the bill works in Argentine restaurants

There is no single rule, but these are the three ways you will see a table settle up in Buenos Aires and most cities. Say how you want to pay before the waiter brings the card terminal, because it is easier to split at the start than to undo a charge.

1. Several cards at the table ("dividir en tarjetas")

Tell the waiter how many cards and how much on each: "dividilo en cuatro tarjetas, por favor" (split it on four cards) or "yo pago esto" (I will pay this part). Many restaurants will run the terminal several times. Some prefer one or two payments per table, especially when it is busy, so ask first. A foreign card works, but it gets the non-resident card rate (more on cost below).

2. Each person pays a share by QR

Lots of places have a Mercado Pago or bank QR at the counter or bring one to the table. If the QR lets you type the amount, each person scans it and enters their share. If the waiter generates a QR for the full total, ask them to charge it in parts: "¿me cobrás mi parte por QR?". Show your payment confirmation on screen so the waiter can tick you off.

3. One person pays, the rest send their share to an alias

This is the most common way among Argentines: one person pays the whole bill with their card or app, and everyone else transfers their part to that person's alias (a short name like sol.lago.mate that points to a bank or wallet account). It is fast and the restaurant only sees one payment. If you are new to aliases, see CBU vs CVU vs alias.

Cubierto and tip: what is on the bill and what is not

Cubierto (cover charge): a per-person charge for the table setting and bread basket, printed on the bill. In the City of Buenos Aires it must include at least a glass of drinking water per person and a bread basket with a gluten-free option, and children under 12 do not pay it. It goes to the restaurant, not the waiter. Split it by the number of adults at the table.
Propina (tip): usually not included. About 10% is customary in sit-down restaurants. Cafés and bars are more relaxed; rounding up is fine. A "propina sugerida" line on the bill is a suggestion, not part of the total.
Can the tip go on the card? Since Decree 731/2024 (in force since late 2024), tips can be paid by card, QR, wallet or transfer, and businesses are supposed to offer those options. Some terminals now show a tip screen (Fiserv's Clover offers up to 15%), and Mercado Pago has a QR tip option that each restaurant has to switch on. In practice many places still have no tip line, so the tip often goes in cash or by transfer to the waiter's alias. Just ask: "¿puedo dejar la propina por transferencia?".

To check the cubierto and the total before you split, you can photograph the bill with Scan in CacaoCash: it translates it and shows each line in USD. See how to read menus and bills in Argentina.

Worked example: splitting a dinner for 4

Four friends at a parrilla in Buenos Aires, splitting evenly. Three are Argentine; you are visiting with no DNI.

Line	Table total	Per person
Food and wine	≈ ARS 200,000	≈ ARS 50,000
Cubierto (4 × ≈ ARS 3,000)	≈ ARS 12,000	≈ ARS 3,000
Bill total	≈ ARS 212,000	≈ ARS 53,000
Tip, 10% of food and wine (not on the bill)	≈ ARS 20,000	≈ ARS 5,000
What each person puts in	≈ ARS 232,000	≈ ARS 58,000

Assumptions: illustrative prices for a mid-range parrilla dinner in October 2026; the cubierto varies by restaurant and is printed on the menu; tip at 10% of consumption, before the cubierto (some people tip on the full bill). Even split; if you split by what each person ordered, the cubierto still goes one per adult.

Your share is ≈ ARS 58,000. Here is roughly what that costs you in dollars depending on how you pay it:

How you pay your ≈ ARS 58,000	Rate	≈ Cost in USD
CacaoCash (QR or alias), 2.5% fee included	≈ 1,559 ARS per USD	≈ US$37.20
Foreign card, no foreign transaction fee	≈ 1,465 ARS per USD	≈ US$39.60
Foreign card with a 3% foreign transaction fee	≈ 1,465 ARS per USD + 3%	≈ US$40.80

Assumptions: rates as of October 2026 (CacaoCash ≈1,598 at the crypto dollar, ≈1,559 per dollar charged after the 2.5% fee; Fiserv non-resident card rate ≈1,465). With a card, the tip part may still need cash or a transfer. Rates move daily: see the live Argentina dollar rate, card dollar vs crypto dollar and CacaoCash fees.

How to pay your share without a DNI

Splitting is where visitors get stuck: your friends say "pasame al alias" (send it to my alias) and a foreign card cannot do that. With CacaoCash you sign up with your passport, no DNI, no Argentine bank account and no Argentine phone number, load dollars by bank transfer (ACH, SEPA or SWIFT), card or crypto, and pay in pesos from that balance.

If your friend paid: in CacaoCash, choose send pesos, type their alias (or CVU or CBU), check the name that appears is your friend's, enter ARS 58,000 and confirm. They receive pesos and pay nothing to receive.
If you pay at the table: scan the restaurant's Mercado Pago, MODO or bank QR with CacaoCash, enter your share if the QR asks for an amount, and confirm. Show the confirmation screen to the waiter.
The tip: send it to the waiter's or the restaurant's alias the same way, or leave cash.

Before you confirm, the app shows the 2.5% fee and the dollar amount you will be charged. One thing it cannot do: receive pesos. If you are the one who paid the whole bill, your friends cannot send their shares back to you in CacaoCash, so let an Argentine friend pay and send yours, or pay only your part. More on QR payments in how to pay QR in Argentina without a DNI, and every other option (cash, cards, Wise or Revolut cards at the terminal) in how to pay in Argentina as a foreigner.

Always check the name shown for a QR or alias before you pay. A swapped QR sticker is a known trick; see money scams in Argentina.

Useful phrases for splitting the bill in Spanish

Spanish	English
La cuenta, por favor	The bill, please
¿Podemos dividir la cuenta?	Can we split the bill?
Dividilo en cuatro tarjetas	Split it on four cards
¿Puedo pagar mi parte por QR?	Can I pay my share by QR?
Pasame tu alias	Send me your alias
¿Puedo dejar la propina por transferencia?	Can I leave the tip by transfer?

Frequently Asked Questions

Do restaurants in Argentina let you split the bill?

Usually yes. Ask "¿podemos dividir la cuenta?" before paying. Many will charge several cards or take each share by QR; some busy places prefer fewer payments, in which case one person pays and the rest transfer to their alias.

What is the cubierto in Argentina?

A per-person cover charge for the table setting and bread, shown on the menu and the bill. In the City of Buenos Aires children under 12 do not pay it. It is not a tip.

How much should I tip in Argentina, and can I tip by card?

About 10% in sit-down restaurants. The law has allowed tips by card, QR or transfer since November 2024, but many terminals still have no tip line, so cash or a transfer to the waiter's alias is the usual way.

How do I send my share to a friend's alias as a foreigner?

Foreign cards and most foreign apps cannot send to an Argentine alias. With CacaoCash you sign up with a passport and send pesos to any alias, CVU or CBU from a dollar balance, with a 2.5% fee shown before you confirm.

Can I pay a restaurant QR in Argentina without a DNI?

Yes, with an app that pays Argentine QRs for foreigners. CacaoCash pays Mercado Pago, MODO and bank QRs from your USD balance with only a passport.

Split it without the awkward moment

Next time someone says "pasame al alias", send your share. Get CacaoCash.

Checked October 2026.