Cashless plan warms the engines: commissions and electronic payments, the news

“Pay less, pay everyone”. This is the message-slogan launched in recent days by the Minister of Economy Gualtieri speaking of tax agreement with the citizens, the pivot of the government strategy. If everyone pays taxes, if everyone uses traceable payments, then the tax authorities may be less pressing. A concept reiterated aloud.

The “Cashless Plan” on which the executive is working therefore travels on a double track: discourage the use of cash e to encourage electronic payments.

A protocol is ready to guarantee merchants zero commissions on micro-card payments until 5 euro. According to sources from the executive, in the comparison with the operators it would have emerged the willingness “of all” interested operators to join, on a voluntary basis, to encourage digital payments on which the mechanism of the cashback, the return of a portion of the payments made, which should start from 1 December next.

The approach for the transactioni up to 10 or 25 euros: for payments of these amounts, there would be a willingness to reduce or cancel commissions (as some operators already do with specific commercial proposals), but there should be no specific protocol relying, therefore, on the free initiative of credit card managers.

According to what is highlighted by the Ambrosetti Report of the Community-Cashless-Society of 2020, the cashback operation and the entire “Cashless Italy Plan “, which also includes receipt lottery, lower ceilings on the use of cash, incentives to use the POS, tax deductions only if paid in electronic money and a tax exemption of up to 8 euros for electronic meal vouchers, will contribute, on a horizon until 2025, to generate “A differential of 36.8 transactions per capita”.

Then there is another consideration that is far from marginal. The evasion – estimated by the government in 110 billions a year, like all health care spending – is the real invisible enemy to beat. But it gets worse. According to reliable sources it reaches, in fact, a total of 180 billion. To get an idea, the treasure of the Recovery fund is worth it 209. It goes without saying that even being able to recover a part of it would allow the state coffers, always in trouble, to breathe a good sigh of relief.


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