New trade lures: Don't ask for a fiscal bill and you'll get a 20 percent discount!

Fiscal cash register illustration/ Photo: Helbert Ruiz / ImageSource / Profimedia

Merchants argue that the bank commission eats into their earnings, and those who do not scan fiscal accounts welcome any reduction. Such phenomena are not in accordance with the elimination of cash in circulation and the massification of cashless payments, and citizens are consciously undermining the gray economy.

In an attempt to increase turnover, merchants began to throw a new bait - a 20 percent discount for purchased goods, but do not ask for a fiscal receipt and pay in cash. It is understood that such an "indecent offer" is not addressed to everyone, and the transaction is carried out carefully, because it is illegal. Merchants argue that the bank commission eats into their earnings, and those who do not scan fiscal accounts welcome any reduction. Such phenomena are not in accordance with the elimination of ready money in circulation and the massification of cashless payment, and citizens are consciously undermining the fight against the gray economy. On the other hand, twenty years after the introduction of plastic, POS terminals are used only for decoration by some merchants.

The Central Bank previously told "Sloboden Pechat" that a series of measures have been taken to encourage cashless payment, including reducing the costs of merchants for charging their goods and services with cards.

- With the new Law on Payment Services and Payment Systems, for the first time there is a limitation on the amount of fees that the bank that installed the POS device at the merchant pays to the bank that issued the payment card, which is used on the POS device, as part from the cost that affects the amount of the fee that the merchant pays to the bank for using the POS terminal, and thus his interest in accepting payment cards. The amount of these fees will gradually decrease and at the beginning of 2025 it must not be higher than 0,2 percent of the value of the payment transaction made with a debit payment card, that is, from 0,3 percent for a credit payment card, thus this limitation will be equal to the European rules. This is expected to reduce costs for providers placing POS devices at merchants, which would further result in reduced fees for merchants accepting payment cards. This, in turn, would encourage merchants who have not installed POS devices at their points of sale to start accepting payment cards, which would ultimately contribute to a greater use of funds on citizens' payment accounts, as well as to a reduction in cash payments - they explained to us earlier from NBRSM.

Since 2018, NBRSM has been collecting and publishing annual data on fees charged by banks to merchants for using POS devices. According to them, in 2022, the average bank commission for merchants amounted to 1,13 percent of the turnover value, which is less by 0,06 p.p. compared to 2021. The biggest decrease is observed in commissions for payments at gas stations and public and communal services (by 0,19 pp) and in electronic commerce (by 0,14 pp).

According to the data that "Free Press" received from the Public Revenue Administration, last year there were a total of 70.318 active fiscal apparatuses in the country, while the number of active fiscalized taxpayers was 37.057. Last year, tax inspectors performed 4.257 controls on the fiscal system and equipment in several cities of the country, including Skopje, and the overwhelming fact is that irregularities were found in 50 percent.

- The most common irregularities are non-issuance of fiscal invoices for the turnover, unleased or unregistered spare fiscal equipment, non-keeping of a book for daily financial statements, non-introduced and unused approved fiscal system, non-issuance of a paragon block, unreported turnover of Macedonian products and defective fiscal equipment - detailed by the IRS.

Reduced taxes, the fight against corruption and the gray economy, but also checking where fiscalization is applied after so long and where it is not, among other things announced Hristijan Mickoski, president of VMRO-DPMNE, presenting the economic program at the Chamber of Commerce of Macedonia.

About 500 thousand citizens scan bills

Every citizen can get up to MKD 2.100 back to their account by simply scanning fiscal receipts for one quarter. The "My VAT" project is used by over half a million Macedonian citizens. The "My VAT" project started five years ago.
Citizens who have problems reading barcodes from fiscal bills can overcome the problem if they read such bills on kiosk devices and barcode readers, which, they say, work flawlessly and much better than phone readers, and there is also the possibility that the barcodes on such illegible bills to be entered manually for which the user has to go to some of the regional and regional offices of the IRS.

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