Gobierno prepara decreto para eliminar retención del 1,5 % en pagos con tarjetas débito y crédito
El Ministerio de Hacienda publicó para comentarios el borrador de decreto con el que propone eliminar la retención en la fuente del 1,5 % aplicada a l...
TL;DR
- A draft decree proposes eliminating the 1.5% withholding tax on credit and debit card payments.
- The change is planned to take effect in March 2026.
- This aims to adjust the tax treatment of widely used electronic payment methods.
- Payments that constitute tax income from sales of goods or services will no longer be subject to this withholding tax.
- Exceptions exist for transactions with special provisions establishing rates higher than 0%.
- The Ministry of Finance anticipates a neutral fiscal impact in the medium term.
- The measure is expected to incentivize the use of electronic and banked payment methods.
- International studies suggest that card payment burdens are often passed on to consumers and discourage banking.
- The 1.5% withholding tax has been in place since 2001 as an advance collection mechanism for income tax.
- The government hopes prices will decrease as merchants may no longer pass this cost to consumers.
- The change applies to both credit and debit card payments for goods and services.