ANCONA – Bye bye cash. Since yesterday, the obligation for traders, craftsmen and professionals to have Posen has begun, with associated penalties for those who do not allow their customers to make payments with cards and ATMs. And this applies to everyone who offers products and services to the public: from merchants to taxi drivers, from doctors to tobacconists.
Half a revolution, in a country that has always opposed this type of reform. Anyone who does not have a Pos and refuses a request for payment by electronic means will incur a fine of EUR 30 plus 4% of the transaction value. To give an example, in the event that a payment of 100 euros is refused via Pos, the trader would receive a penalty of 34 euros (30 euros for fixed fines and 4 euros for the variable). In addition, the legislation does not prescribe a minimum payment threshold below which the penalty is not triggered, so the same applies to a coffee in the bar.
The new rules were introduced by the latest Pnrr decree – which extended the entry into force of the fine by six months – with the aim of tax evasion in all ways and at all levels. In Marches, there are 143,823 companies affected by the reform, of which 9,820 are hotel and catering operations, 3,216 wholesale, retail and repair operations and 5,723 professional and technical operations. Although the decree aimed to limit the bad practice of undeclared payments, the decree was not welcomed by everyone, with some traders pointing out that the cost of electronic money would be too high for small businesses – especially in banking transactions. commissions and purchases / loans of the unit. However, a problem that also already has a solution, as pointed out by Caterina Lucarelli, professor of financial intermediaries at the Polytechnic University of Marche: “There is a lot of competition between intermediaries and there are also new platforms based on a completely digital range of these services. The intermediaries who continue to apply unacceptable commissions will be those who will be eliminated from the market. ”In general, according to the teacher, the increasingly systematic use of electronic payments is a development process that our country must strive for. We adapt to the uses that exist in the rest of the world. Statistically, we are actually the country that uses electronic tools the least. They are secure, convenient and fast payments ». And he adds: «One of the main institutional reasons is to avoid the use of cash as a way to hide the undeclared. We want to track everything that is a professional service that could be hidden with the use of cash. Also, for tax deductions, it is more convenient because they are automatically recognized. A necessary development that will drive our behavior towards greater transparency ”.