{"id":5149,"date":"2020-02-07T09:45:23","date_gmt":"2020-02-07T12:45:23","guid":{"rendered":"http:\/\/c0560221.ferozo.com\/bl\/?p=5149"},"modified":"2020-02-07T09:45:23","modified_gmt":"2020-02-07T12:45:23","slug":"mas%e2%80%8c-%e2%80%8cregulaciones%e2%80%8c-%e2%80%8cpara%e2%80%8c-%e2%80%8clas%e2%80%8c-%e2%80%8cfintech%e2%80%8c","status":"publish","type":"post","link":"https:\/\/cfostartup.la\/mas%e2%80%8c-%e2%80%8cregulaciones%e2%80%8c-%e2%80%8cpara%e2%80%8c-%e2%80%8clas%e2%80%8c-%e2%80%8cfintech%e2%80%8c\/","title":{"rendered":"M\u00e1s\u200c \u200cregulaciones\u200c \u200cpara\u200c \u200clas\u200c \u200cfintech\u200c"},"content":{"rendered":"

En agosto de 2019 la <\/span>AFIP<\/span><\/a> dispuso el<\/span> impuesto al cheque en pagos electr\u00f3nicos,<\/b> sumado a <\/span>retenci\u00f3n de IVA y Ganancias<\/b> en las operaciones efectuadas sobre estos medios. La medida alcanz\u00f3 a los pagos que se efect\u00faan a los comerciantes, locadores y\/o prestadores de obras y\/o de servicios a trav\u00e9s de medios electr\u00f3nicos de pago.\u00a0<\/span><\/p>\n

En los primeros d\u00edas de enero de\u00a0 2020, el Banco Central de la Rep\u00fablica Argentina emiti\u00f3 la Comunicaci\u00f3n \u201cA\u201d 6859\u201d<\/a>\u00a0 que determina que <\/span>los fondos de los clientes acreditados en cuentas de pago ofrecidas por Proveedores de Servicios de Pago (PSP) deber\u00e1n estar disponibles en todo momento <\/b>y con car\u00e1cter inmediato en cuentas a la vista, en pesos y en entidades financieras del pa\u00eds. Esta disposici\u00f3n <\/span>limit\u00f3 las inversiones<\/b> que pueden hacer las fintech con el llamado dinero \u201cflotante\u201d, es decir\u00a0 los saldos sin usar que dejan los usuarios en las billeteras digitales<\/span><\/p>\n

El 31 de enero el BCRA<\/a> volvi\u00f3 a publicar una norma que refuerza las regulaciones antes mencionadas. En este caso obliga a los <\/span>PSP a anotarse en un registro<\/b> a partir del cual pasar\u00e1n a estar bajo la supervisi\u00f3n de la Superintendencia de Entidades Financieras. La inscripci\u00f3n deber\u00e1 realizarse antes del 1\u00ba de abril de este a\u00f1o, al mismo tiempo deber\u00e1n <\/span>\u201cencuadrarse en un r\u00e9gimen informativo y de vigilancia para monitorear su evoluci\u00f3n\u201d.<\/b><\/p>\n

Por otra parte, los PSP deber\u00e1n incluir en su publicidad una leyenda que deje claro que se limitan a ofrecer servicios de pago y que los fondos no cuentan con garant\u00eda de los dep\u00f3sitos que tienen las entidades financieras.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

En agosto de 2019 la AFIP dispuso el impuesto al cheque en pagos electr\u00f3nicos, sumado a retenci\u00f3n de IVA y Ganancias en las operaciones efectuadas sobre estos medios. La medida alcanz\u00f3 a los pagos que se efect\u00faan a los comerciantes, locadores y\/o prestadores de obras y\/o de servicios a trav\u00e9s de medios electr\u00f3nicos de pago.\u00a0 […]<\/p>\n","protected":false},"author":3,"featured_media":5151,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"wpupg_custom_link":[],"wpupg_custom_link_behaviour":[],"wpupg_custom_image":[],"wpupg_custom_image_id":[],"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[9],"tags":[],"yoast_head":"\nM\u00e1s\u200c \u200cregulaciones\u200c \u200cpara\u200c \u200clas\u200c \u200cfintech\u200c - CFOstartup<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cfostartup.la\/mas\u200c-\u200cregulaciones\u200c-\u200cpara\u200c-\u200clas\u200c-\u200cfintech\u200c\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"M\u00e1s\u200c \u200cregulaciones\u200c \u200cpara\u200c \u200clas\u200c \u200cfintech\u200c - CFOstartup\" \/>\n<meta property=\"og:description\" content=\"En agosto de 2019 la AFIP dispuso el impuesto al cheque en pagos electr\u00f3nicos, sumado a retenci\u00f3n de IVA y Ganancias en las operaciones efectuadas sobre estos medios. La medida alcanz\u00f3 a los pagos que se efect\u00faan a los comerciantes, locadores y\/o prestadores de obras y\/o de servicios a trav\u00e9s de medios electr\u00f3nicos de pago.\u00a0 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cfostartup.la\/mas\u200c-\u200cregulaciones\u200c-\u200cpara\u200c-\u200clas\u200c-\u200cfintech\u200c\/\" \/>\n<meta property=\"og:site_name\" content=\"CFOstartup\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-07T12:45:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cfostartup.la\/wp-content\/uploads\/2020\/02\/adult-apple-device-business-code-340152-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"359\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Brandeando\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brandeando\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cfostartup.la\/mas%e2%80%8c-%e2%80%8cregulaciones%e2%80%8c-%e2%80%8cpara%e2%80%8c-%e2%80%8clas%e2%80%8c-%e2%80%8cfintech%e2%80%8c\/\",\"url\":\"https:\/\/cfostartup.la\/mas%e2%80%8c-%e2%80%8cregulaciones%e2%80%8c-%e2%80%8cpara%e2%80%8c-%e2%80%8clas%e2%80%8c-%e2%80%8cfintech%e2%80%8c\/\",\"name\":\"M\u00e1s\u200c \u200cregulaciones\u200c \u200cpara\u200c \u200clas\u200c \u200cfintech\u200c - CFOstartup\",\"isPartOf\":{\"@id\":\"https:\/\/cfostartup.la\/#website\"},\"datePublished\":\"2020-02-07T12:45:23+00:00\",\"dateModified\":\"2020-02-07T12:45:23+00:00\",\"author\":{\"@id\":\"https:\/\/cfostartup.la\/#\/schema\/person\/a2457a06cd50ae7c84467590e1433a49\"},\"breadcrumb\":{\"@id\":\"https:\/\/cfostartup.la\/mas%e2%80%8c-%e2%80%8cregulaciones%e2%80%8c-%e2%80%8cpara%e2%80%8c-%e2%80%8clas%e2%80%8c-%e2%80%8cfintech%e2%80%8c\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/cfostartup.la\/mas%e2%80%8c-%e2%80%8cregulaciones%e2%80%8c-%e2%80%8cpara%e2%80%8c-%e2%80%8clas%e2%80%8c-%e2%80%8cfintech%e2%80%8c\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/cfostartup.la\/mas%e2%80%8c-%e2%80%8cregulaciones%e2%80%8c-%e2%80%8cpara%e2%80%8c-%e2%80%8clas%e2%80%8c-%e2%80%8cfintech%e2%80%8c\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/cfostartup.la\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"M\u00e1s\u200c \u200cregulaciones\u200c \u200cpara\u200c \u200clas\u200c \u200cfintech\u200c\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/cfostartup.la\/#website\",\"url\":\"https:\/\/cfostartup.la\/\",\"name\":\"CFOStartup\",\"description\":\"One stop shop de finanzas, impuestos & legales para startups de LATAM\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/cfostartup.la\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/cfostartup.la\/#\/schema\/person\/a2457a06cd50ae7c84467590e1433a49\",\"name\":\"Brandeando\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/cfostartup.la\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/12406299ef4fb22849b51e44c6c5e884?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/12406299ef4fb22849b51e44c6c5e884?s=96&d=mm&r=g\",\"caption\":\"Brandeando\"},\"url\":\"https:\/\/cfostartup.la\/author\/brandeando\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"M\u00e1s\u200c \u200cregulaciones\u200c \u200cpara\u200c \u200clas\u200c \u200cfintech\u200c - CFOstartup","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cfostartup.la\/mas\u200c-\u200cregulaciones\u200c-\u200cpara\u200c-\u200clas\u200c-\u200cfintech\u200c\/","og_locale":"es_ES","og_type":"article","og_title":"M\u00e1s\u200c \u200cregulaciones\u200c \u200cpara\u200c \u200clas\u200c \u200cfintech\u200c - CFOstartup","og_description":"En agosto de 2019 la AFIP dispuso el impuesto al cheque en pagos electr\u00f3nicos, sumado a retenci\u00f3n de IVA y Ganancias en las operaciones efectuadas sobre estos medios. 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