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Electronic payments: obligation (up to 30 euros) not sanctions: government ploy not to lose money Pnrr

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The fines went into effect on June 30, in accordance with one of the objectives of the Recovery Plan. However, in terms of “having an obligation” to accept electronic money, it was taken for granted, says Alessandro Santoro, chairman of the panel of experts that prepares the Annual Tax Evasion Report. “Formally, the government now intervenes upstream of this commitment.” Avoiding a clear violation of one of the commitments made by Brussels, part of the package through which Italy raised the second tranche of 21 billion euros.

Advances talked about stepping back on fines for shopkeepers who refuse i petty payments With poses. AT clear violation specific commitment made with Brussels in Recovery planspart of a package of measures that brought Italy together a second batch just two weeks ago loans As well as grants for a total of 21 billion. But the project of the first budget law belonging Meloni government says a little about something else: the amendment intervenes with a straight foot in a paragraph of the 2012 law that imposesthe very obligation accept electronic money. And it says that “does not find application” for purchases under i 30 euro in the hypotheses to be determined by decree of Mimit-Mef, in order to “guarantee proportionality fine and ensure the economy of transactions in relation to their costs. In anticipation of the situation, obviously, the sanctions are being terminated.

The difference is not as small as it seems. Probably a sly attempt. get around the risk that commission straighten your antennae and ask to turn around regarding the introduction of fines, a target achieved in the first half of 2022, as scheduled. “In the text of the NDP milestone, which provided for “effective administrative sanctions in the event of refusal to accept electronic payments”, the existence of an obligation was actually taken for granted”, reasons Alexander Santorochairman of the expert commission preparing Report on Unobserved Savings and Tax Evasion. “Formally, the government is now intervenes upstream this obligation. Norm out of plan. This should not be problematic also because the Commission tends to accept differences based on rapidsbecause there are transaction costs.

Of course, the message that reaches exhibitors and professionals, in parallel with the increase restriction on the use of cash – clear. And entirely in keeping with Meloni and his allies’ well-known aversion to any regulation, which, moreover, was required in European recommendations for 2019, which Pnrr should help achieve – to promote electronic payments. The official reason is that small and medium-sized enterprises are forced to “pay offerings” in banks in the form of fees and device costs. “All at the expense of companies, which will obviously be forced to pass the cost on to customers,” the prime minister, then in opposition, attacked when the laws came into force in July. fine 30 euros plus 5% the cost of the transaction for those who refuse to pay by debit card.

The cost node obviously exists. However, it should be remembered that from July 2020 30% tax credit on commissions paid by the operator, a percentage that rose to 100% (when buying or renting new smart cash registers at the same time) from July 2021 to July 2022, in parallel with cashless payments what did he understand check lottery (still valid) and cash back then canceled by the Draghi government. The next year the loan is not funded. It should also be remembered that the Bancomat scheme It has reload payment fees up to 5 euro from January 2021 to December 2022, and several institutions have the same for purchases up to 10 euros. A major bank has just announced that it has made the POS fee free for a year and reduced the fee for in-store payments to 15 euros to zero. All initiatives that the government could try to stimulate and make more effective, including taking into account profit boom recorded by banks due to higher interest rates. They exist then terminal offers with zero fixed costs and very low transactions e Appendix which allow shoppers to pay cashless without store owners having to pay for transactions or conduct them with very low transactions.

So far, there is no reaction from the world of merchants and artisans. On the other hand, the All-Russian Union of Consumers did not appreciate the innovation: for the president Maximilian Dona “it’s a shame to suspend fines for those who do not accept electronic payments less than 5 months after the imposition of sanctions” and “when the Pos obligation was provided from 2012, 10 years ago.” “Expense justification,” Dona continues, “is one of the fake news colossal, given that by now, countless banks have decided to eliminate fees for micropayments. Furthermore it was enough to renew tax breaks expired to resolve the issue.”

Source: II Fatto Quotidiano

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