From European Accounts to Local QR Payments
Arsenii is based in Lisbon. In Buenos Aires, he kept Revolut and N26 in his financial setup and used Peanut for supported Mercado Pago QR payments.
Arsenii Pechenkin works in developer relations and is based in Lisbon. During time in Buenos Aires as a digital nomad, he found that the accounts he already used internationally did not always solve the last step at a local merchant.
His approach was complementary: keep Revolut and N26 for international banking, move money into Peanut for local spending, and scan a supported Mercado Pago merchant QR at the counter.
When a Foreign Card Did Not Work
Arsenii had used a Visa card for purchases, but he reported that it sometimes failed at Argentine merchants. A card decline is never convenient; in a new city, it also leaves the immediate question of how to finish the purchase.
In March 2026, he also described Peanut's exchange rate for local payments as better than the card rate he had seen. That is his qualitative experience, not a fixed advantage promised for every card or payment. Rates and issuer fees vary, and Peanut shows the current all-in quote before confirmation.
Keeping Revolut and N26 in the Mix
Arsenii did not replace Revolut or N26. He continued using them for the parts of his international finances they already handled. He found the process of depositing into Peanut straightforward, then used the funded balance for local QR payments.
At a participating merchant, he could scan a supported Mercado Pago QR, review the amount in pesos and the final Peanut quote, and confirm. The merchant received a normal Mercado Pago payment. MODO and Cuenta DNI use different QR formats and are outside this flow.
This setup gave each service a clear role: his European accounts supported his wider financial life, while Peanut connected that money to a local payment method in Buenos Aires.
More Than a Checkout Tool
Arsenii also used Peanut to move money in and out and for international transfers. That broader use mattered to him, but the merchant example remained practical: when his Visa did not work, a supported local QR gave him another way to pay.
His background in financial technology made the infrastructure familiar, yet the value he emphasized was ordinary daily utility. The deposit process felt simple, and the payment method matched what the merchant accepted.
