# LupaPago PSP Recommender

> LupaPago PSP Recommender is a paid API for AI agents from lupapago.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-18).

Recommends and ranks Argentine payment service providers (pasarelas) based on transaction amount, installment needs, and USD/cross-border requirements.

## Facts

- Endpoint: GET https://lupapago.com/api/psp/recommend?utm_source=zero.xyz
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-18
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/lupapago-psp-recommender-89bbe59f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_mE_qJdybVA2TkeJpMe8CM

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability lupapago-psp-recommender-89bbe59f
```

Example prompt: I need to charge 75000 ARS in installments (cuotas) — which Argentine payment gateways should I consider, and what are their fees?

## When to prefer this

Use this endpoint when you need a quick, rule-based ranking of Argentine payment gateways filtered by transaction amount, installment support, or USD cross-border capability. Prefer it over manual research when building AR fintech integrations or helping merchants choose a PSP. Not suitable for real-time fee quotes, contract negotiation, or non-Argentine payment markets.

## Known failure modes

- Missing or invalid 'amount' parameter may default to 10000 ARS
- Invalid enum values for needs_usd or needs_cuotas return validation errors
- No PSPs match strict filter combinations (e.g. simultaneous cuotas + USD may return empty ranking)
- Service unavailability returns non-200 HTTP status
- Ruleset v1 may not reflect real-time fee changes from PSPs

## How this service works

Compará pasarelas de pago en Argentina: fees, liquidación e integraciones. Directorio independiente ecommerce-first.

## Output

Returns a ranked list of Argentine PSPs (up to 5), each with a slug identifier, compatibility score (0-1), fee hint string, boolean flags for USD and cuotas support, and a brief Spanish-language rationale. Also includes the input echo, ruleset version, and a disclaimer that results are rule-based guidance, not financial advice.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "headers": {
     "type": "object",
     "additionalProperties": {
      "type": "string"
     }
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "amount": {
       "type": "string",
       "description": "ARS amount to charge (default 10000)"
      },
      "needs_usd": {
       "enum": [
        "true",
        "false"
       ],
       "type": "string",
       "description": "Need USD / cross-border hop"
      },
      "needs_cuotas": {
       "enum": [
        "true",
        "false"
       ],
       "type": "string",
       "description": "Need installments / cuotas (alias: cuotas)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "kind": "psp_recommend",
  "input": {
   "amount": 10000,
   "needs_usd": false,
   "needs_cuotas": true
  },
  "product": "LupaPago",
  "ranking": [
   {
    "why": "soporta cuotas ARS nativas.",
    "rank": 1,
    "slug": "mercado-pago",
    "score": 0.88,
    "fee_hint": "Fee desde 0,8% + IVA",
    "supports_usd": false,
    "supports_cuotas": true
   },
   {
    "why": "soporta cuotas ARS nativas.",
    "rank": 2,
    "slug": "getnet",
    "score": 0.8,
    "fee_hint": "Fee desde 0,8% + IVA (QR)",
    "supports_usd": false,
    "supports_cuotas": true
   },
   {
    "why": "soporta cuotas ARS nativas.",
    "rank": 3,
    "slug": "nave",
    "score": 0.76,
    "fee_hint": "Fee desde 0,8% + IVA (dinero en cuenta)",
    "supports_usd": false,
    "supports_cuotas": true
   },
   {
    "why": "soporta cuotas ARS nativas.",
    "rank": 4,
    "slug": "mobbex",
    "score": 0.73,
    "fee_hint": "Fee desde 1,9% + IVA (Essential débito)",
    "supports_usd": false,
    "supports_cuotas": true
   },
   {
    "why": "soporta cuotas ARS nativas.",
    "rank": 5,
    "slug": "payway",
    "score": 0.7,
    "fee_hint": "Planes / Cuota Simple (cotizar)",
    "supports_usd": false,
    "supports_cuotas": true
   }
  ],
  "ruleset": "ar-psp-recommend-v1",
  "disclaimer": "Reglas explícitas LupaPago; no es asesoramiento ni cotización."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/lupapago-psp-recommender-89bbe59f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from lupapago.com](https://www.zero.xyz/host/lupapago.com/llms.txt)