{"id":8258,"date":"2026-01-04T08:57:14","date_gmt":"2026-01-04T11:57:14","guid":{"rendered":"https:\/\/infocuatro.com\/?p=8258"},"modified":"2026-01-04T08:57:15","modified_gmt":"2026-01-04T11:57:15","slug":"golpe-de-arca-a-las-billeteras-les-suma-un-impuesto-a-mercado-pago-app-ypf-y-otras-fintech","status":"publish","type":"post","link":"https:\/\/infocuatro.com\/?p=8258","title":{"rendered":"Golpe de ARCA a las billeteras: les suma un impuesto a Mercado Pago, App YPF y otras fintech"},"content":{"rendered":"\n<p>Durante la tarde-noche del \u00faltimo de 2025, el organismo recaudador notific\u00f3 a las aplicaciones fintech que comenzar\u00edan a pagar el Impuesto sobre los Cr\u00e9ditos y D\u00e9bitos\u00a0(conocido como &#8220;impuesto al cheque&#8221;), del cual estaban excluidas al igual que los bancos.<\/p>\n\n\n\n<p>Ambos tipos de\u00a0entidades hab\u00edan logrado una exenci\u00f3n del tributo\u00a0que se lanz\u00f3 provisoriamente en 2001 ante la crisis econ\u00f3mica-institucional, pero que este a\u00f1o cumplir\u00e1 25 a\u00f1os de vigencia.<\/p>\n\n\n\n<p>El\u00a0impuesto al cheque\u00a0retiene\u00a00,6% al emisor y otros 0,6% al receptor de los fondos. Si bien no aplica sobre transferencias entre particulares o monotributistas, s\u00ed lo hace cuando existe cuando uno de los participantes es una persona jur\u00eddica (empresa).<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"432\" src=\"https:\/\/infocuatro.com\/wp-content\/uploads\/2026\/01\/foto3-16.jpg\" alt=\"\" class=\"wp-image-8260\" style=\"aspect-ratio:1.736173906752993;width:804px;height:auto\" srcset=\"https:\/\/infocuatro.com\/wp-content\/uploads\/2026\/01\/foto3-16.jpg 750w, https:\/\/infocuatro.com\/wp-content\/uploads\/2026\/01\/foto3-16-300x173.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<p>&#8220;Las\u00a0cuentas por donde circulan los fondos de los clientes no pagaban Impuesto al Cheque. Pero ahora quitaron la exclusi\u00f3n&#8221;, reclama un ejecutivo reconocido en el ambiente fintech.<\/p>\n\n\n\n<p>La fuente asegura que el argumento de ARCA fue que &#8220;las\u00a0billeteras no est\u00e1n inscriptas\u00a0en los reg\u00edmenes 375 y 376\u00a0del Impuesto sobre los D\u00e9bitos y Cr\u00e9ditos en cuenta. No lo est\u00e1n porque la\u00a0normativa habla de bancos, pero las billeteras cumplen mes a mes con las presentaciones y pagos&#8221;, refuerza.<\/p>\n\n\n\n<p>En s\u00edntesis,\u00a0ARCA\u00a0pein\u00f3\u00a0la base de datos en b\u00fasqueda de las billeteras que no estaban inscriptas en un r\u00e9gimen que aplica a bancos. As\u00ed, las billeteras con licencia bancaria (como Ual\u00e1 o Naranja X) quedaron a salvo, pero s\u00ed aplica a los que son proveedores de servicios de pago (PSP).  En este \u00faltimo grupo, se encuentran\u00a0Mercado Pago, App YPF, Prex, Carrefour Banco, Shell Box, Claro Pay\u00a0y un amplio etc\u00e9tera.<\/p>\n\n\n\n<p>Mientras tanto,\u00a0Mercado Pago solicit\u00f3 su licencia bancaria y aguarda el OK del BCRA, una movida que analiza la App YPF. \u00a0<\/p>\n\n\n\n<p>En el sector esperan que, justamente, el unicornio, que acapara dos tercios del mercado, alce la voz contra esta decisi\u00f3n de ARCA para ver si logra que la autoridad tributaria d\u00e9 un paso atr\u00e1s con la medida.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Durante la tarde-noche del \u00faltimo de 2025, el organismo recaudador notific\u00f3 a las aplicaciones fintech que comenzar\u00edan a pagar el Impuesto sobre los Cr\u00e9ditos y [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8259,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-8258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nacionales"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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