It’s easier to be customers and traders, who must keep receipts for years, but the aim is also to curb the gray economy through the promotion of cashless transactions. Ministry of Development estimated caution that due to electronic paragonom VAT revenues will increase by 2-3 billion zł per year.
The Resort, where the idea was born, he wants to target new cash registers were integrated into the terminals for card payments. In early June he sent to the President of the Central Office of Measures request to stop the approval of cash dwurolkowych that support only cash transactions and form the only paper copies of receipts. – In September, we will amend the regulation on the criteria and technical conditions to be met by cash registers. It will have a sufficiently long vacatio legis, that trade could prepare for this, a minimum of six months, perhaps annual – says Tadeusz Kościński, Deputy Minister of development.
Long term exchange offices is to help traders in the distribution of costs over time . The biggest bear little trade, because he still uses cash dwurolkowych, which will have to be withdrawn from the market. As estimated resort development after talks with representatives of trade, the market for cash Double roll account for half of the devices that are traded, ie approx. 600 thousand. The cost of replacement will cost 1-1.5 thousand. zł, which means that traders will have to spend approx. 700 million zł for new equipment.
The introduction of new cash could be the starting point for the creation of a central register receipts. It would operate on a similar principle as prepared by the Ministry of Finance a central register of invoices. Lead it has established a special company just by MF. Base receipts would be an analytical tool for fiscal control. Would be captured any anomalies, eg. Rapid increase or decrease in sales, which could be the basis for the initiation of control. The Ministry of Finance refers to the development plan of the Ministry of the distance. Unofficially we heard that such a revolutionary change will be difficult to carry out.
Ministry of Development in September, wants to amend the Regulation on the criteria and technical conditions to be met by cash registers turnover in shops and service points. The new cash sale only have to register electronically. Ultimately, traders would cease issuing paper receipts and replace them with electronic.
Tadeusz Kościński, Deputy Minister of Development, says that the Ministry is aware of the costs of the operation. Therefore, the new provisions are to have a sufficiently long vacatio legis – even a year – and traders will be able to count on some form of financial support. – We are trying to work out a solution that will help reduce these expenses. Talks on this are conducted not only with the manufacturers of cash, but also with the Ministry of Finance – says the deputy head MR. In his opinion, it comes in both funding similar to the existing now – you can deduct 700 zł tax when buying the new money – as well as assistance in the form of taking the device in installments or lease.
Why this revolution? The new cash will be integrated into payment terminals, so that the electronic receipts could go straight into the consent of the client, for example, to the banking system. They include so that customers would have access to them. Deputy Minister Kościński convinced that the buyer will have the same benefits of this solution. First of all, a receipt will be on a durable medium (paper easily lost), so it will be easier to assert their rights by way of complaint. Banks will be able to offer them the service of managing receipts, making it easier to control the household budget. They will also be able to skroić additional services under a particular customer, seeing on the basis of these data, what are its needs. In turn, it will be easier for merchants to offer customers loyalty programs. The aim of all this is to be the promotion of cashless transactions, which – as a rule – is one of the most effective tools in reducing the informal economy.
– The more cashless transactions, the better economies of scale, which will help in negotiating rates with the operators of cards. The whole process is correlated with the work on the national credit card. But of course, no one says that it will work without the other operators. To keep the process took place on a partnership basis, – said Deputy Minister Kościński. – Today, we talk over the technical solution to this issue with the Polish Banks Association and the Foundation for the Development of Cashless Transactions (FROB), – he added.
In his view, gain a seller who will be able to witness the transaction store version electronic. In the case of entrepreneurs, beyond space-saving storage of rolls of receipts, it is connected also with smaller expenses to operate. Leave them because the cost of buying a roll of receipts or maintenance of equipment.
Those customers who do not have the habit of using payment cards, also have the chance to enter the new system. Because the new cash to have access to the Internet, it is sufficient that the customer paying cash, using the loyalty program or simply give your e-mail address or phone number, and the seller (its safe) send him an electronic receipt. In the design is obviously an option that for some time you will receive a printed proof of the sale.
Bankers idea are accommodating. Jerzy bubble, vice president of the Polish Bank Association, says that could contribute to the popularization of cashless transactions. And that means lower costs in the economy (using cash costs, even if her conversion, sorting and storage and transport) and the reduction of the gray economy (non-cash turnover of the rules is recorded). – Banks will always support this kind of project – emphasizes the vice president.
Mixed feelings they have while traders. Maciej Ptaszyński, CEO of the Polish Chamber of Commerce, draws attention to costs. – That’s a lot of expenses when it comes to small business. Especially in recent years due to changing regulations we had to replace the device. Now we face a new revolution. And I remember that the average profitability of trade does not exceed 1 percent. Each additional unforeseen expenses is therefore a considerable burden on sellers – comments Ptaszyński.
Large trade in most already use cash to electronic records, so the exchange itself, it is not dead. But he also has his attention. He would like, for example, to refine already at this stage of the process data. – We want the data from our side flowed into the system at the end of the day, and we were not obliged to send them after each of the transaction. Unfortunately, network problems are not uncommon. Overloading are common when the customer is a lot – adds Karol Stec, head of the legal department of the Polish Organization of Trade and Distribution.
The new system may have another advantage: improve fiscalization online. Relatively easy money can be checked remotely. Theoretically, a cash could send data on receipts to a central database in a specified format. Such a central register receipt to lead the Finance Ministry, namely the special company which is already working on the central register of invoices. Both systems would operate on a similar principle, which is wyłapywałyby all anomalies. It can be the example. Rapid increase or decrease in sales in chain stores or even in a particular store, that would be a reason for an inspection by the tax authorities.
Except skeptical of these assumptions is the same Ministry of Finance . Due to the costs of the operation and the need for technical adaptation of the representatives of the Ministry of Finance doubt that managed to quickly introduce a system of electronic receipts from their central database.
Resort also has reservations about the large role played in the whole the project would play banks. – We do not want this share was excessive. This causes our greatest resistance. It would be bad if the bank has become a Big Brother, who has too much data on customer behavior – said the representative of the DGP MF.
The aim of the operation is to promote cashless transactions
Such systems work
electronic receipts and invoices is a solution already used in other countries. An example is Denmark, where receipts are available in both traditional and electronic, if you pay by credit card or within MobilePay. The decision on the type of account belongs to the client. Electronic bills can be sent to e-mail, or for special applications to gather all the bills, for example. Storebox. In Croatia, the cash registers are connected via the Internet (or telephone line) with the Central Information System (CSI) of the tax administration. At the time of issuing a buyer account by the operator of the cash register starts data exchange. It was calculated that in the first year of the program into fiscal cash turnover in the trade levels recorded by the CSI of turnover in catering increased by 55 percent. Highly evaluated the efficiency of the whole system, which records an average of 6 million accounts a day and 2.2 billion a year.
Electronic receipts are also in Israel, Canada, Sweden, USA, Norway , Brazil, Malaysia and Ireland, where it is a popular solution for online transactions. In most of these countries, however, receipts in digital form are sent to mobile phones or e-mail account. In Indonesia, for example, selected companies operating in the local market tend electronic confirmation of payments (receipts) to be used when registering your e-mail after the purchase by using special applications or through Web sites (most sites are available in a mobile version for Android devices, iOS, BlackBerry OS). This applies to both services and products. Examples are the confirmation of payment for air tickets (Traveloka.com; Airasia.com; Lionair.com), hotels (Traveloka.com, Booking.com and Agoda.com); transport services (Uber; GoJek). Confirmation usually take the form of e-mail (details of the seller, the buyer, the amount of payments made in the body of your email – Uber) or in digital format (airlines, Traveloka.com). Soon, this solution is also available in Japan. They’re working on it, among other things, Fujitsu and Toshiba – counting manufacturers of POS systems for retail chains.
There are also countries where although there is currently no receipts in the electronic version is valid It has e-invoices or receipts for the order containing the data registered buyer of goods / services. An example is France, Kazakhstan and Romania, where there is a possibility of receiving an electronic invoice to your e-mail.
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