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Impuestos de PayPal y Venmo: lo que debes saber sobre las plataformas P2P

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 5, 2023 03:32 AM
OVERVIEW

Con el aumento en el uso de aplicaciones de pago móvil, tal vez te preguntes cómo afecta eso tu declaración de impuestos. Esto es lo que debes saber para usar estas herramientas de manera efectiva para ti y para tu negocio.

 

Puntos clave

  • Las plataformas de pagos entre pares tienen la obligación de reportar transacciones de negocio al IRS cuando exceden un umbral de reporte.
  • Si recibiste más de $20,000 y 200 transacciones por pagos de negocios en una plataforma P2P durante el año tributario, la plataforma tiene la obligación de enviar el Formulario 1099-K a ti y al IRS.
  • Crear una cuenta P2P comercial es una buena forma de evitar entremezclar transacciones de negocio y personales.
  • Es importante mantener registros detallados de ingresos y gastos de negocio para que no reportes ingresos de negocio de más y pagues impuestos adicionales.

Pagos entre pares (Peer-to-Peer)

Tanto las personas como las pequeñas empresas adoptaron las aplicaciones de pago entre pares (P2P) para hacer prácticas transferencias de dinero desde teléfonos móviles. Ya sea que dividas la cuenta del restaurante con tus amigos o hagas cobros para tu restaurante o pequeña empresa, es probable que estés usando PayPal y Venmo más de lo que esperabas hace apenas unos años.

Estos métodos de pago son tan prácticos y fáciles de usar que todo el mundo los adopta, sin embargo, ¿hay impuestos de PayPal o Venmo que debas conocer?

Uso de plataformas P2P para negocios

En un principio, las plataformas como PayPal y Stripe se diseñaron como soluciones de pago en línea para empresas. PayPal, por ejemplo, brinda a los usuarios la opción de configurar cuentas comerciales y personales. Más adelante, apareció Venmo (que es de PayPal), pero inicialmente no se podía usar para fines comerciales. Eso cambió en 2016, cuando Venmo comenzó a permitir que algunos negocios aceptaran Venmo como método de pago.

Consecuencias tributarias del uso de aplicaciones P2P

Si usas una de esas aplicaciones para tu negocio, estas son algunas de las consecuencias tributarias de PayPal y Venmo que debes tener en cuenta.

Reportar los ingresos

Las personas que envían dinero de un lado a otro para pagar su parte de la cena no tienen que preocuparse por reportar esos pagos en sus declaraciones de impuestos. Sin embargo, desde el momento en el que comienzas a aceptar pagos comerciales en una plataforma P2P, eres responsable de reportar esas ganancias. Las plataformas de pago P2P, como PayPal, Venmo y Stripe, entre otras, tienen la obligación de proporcionar al IRS (Servicio de Impuestos Internos) información sobre los clientes que reciben pagos por la venta de bienes y servicios a través de estas.

Sin embargo, el límite para reportar esos pagos es alto.  Las plataformas de pagos a terceros tienen la obligación de reportar los pagos brutos a vendedores que reciben:

  • más de $20,000 en volumen de pagos bruto Y
  • más de 200 pagos independientes en un año calendario.

No hay una cantidad límite para transacciones de tarjeta de crédito como cuando pasas o insertas la tarjeta.

El IRS planificó implementar cambios a los requisitos para reportar el Formulario 1099-K en el año tributario 2023. Sin embargo, el IRS recientemente aplazó la implementación del nuevo umbral de $600 para reportar transacciones de procesadores de pagos a terceros por bienes y servicios como Venmo y PayPal hasta, habiendo revertido el año tributario 2023 de vuelta al umbral mayor anterior del Formulario 1099-K del (sobre $20,000 en pagos y más de 200 transacciones). Si no recibes un 1099-K, el IRS aún espera que reportes todo tu ingreso, sin importar la cantidad.

Si superas ese límite, la plataforma te enviará un Formulario 1099-K correspondiente a ese año a ti y al IRS a principios del año siguiente. Sin embargo, incluso si no recibes un Formulario 1099-K, igual tienes la obligación de reportar los ingresos sujetos a impuestos que recibas a través de esas plataformas en tu declaración de impuestos sobre el ingreso.

Nota de TurboTax:

Si pagas gastos utilizando plataformas P2P, debes guardar tus facturas y recibos para documentar tus gastos. Una transacción P2P que indique cuando se llevó a cabo, por si sola, usualmente no provee suficiente información para respaldar un gasto de negocio.

 

Diligencia debida

Si recibes parte o, incluso, la totalidad de los ingresos de tu negocio a través de una plataforma de pago P2P, lo mejor es que crees una cuenta de empresa. De lo contrario, se te mezclarán las transacciones comerciales y personales, y te será más difícil separar los pagos en personales y comerciales.

Lleva un registro detallado de los ingresos totales que recibiste de todas las fuentes durante el año para poder hacer un reporte de impuestos exacto. QuickBooks Self-Employed es una buena opción que se integra con todas las principales plataformas de pago móvil.

En el caso de que sí recibas un Formulario 1099-K a fin de año, puedes usar tus registros contables para asegurarte de que los ingresos reportados al IRS en tu nombre sean correctos. Sin embargo, incluso si no recibes ningún Formulario 1099, igual tienes que reportar los ingresos en tu declaración de impuestos. Realizar un seguimiento fuera de la plataforma P2P garantizará que cuentes con la información necesaria para reportar todos tus ingresos en los formularios correctos.

Justificación de gastos

Para cualquier negocio, es importante llevar registros detallados de los costos relacionados con la producción de ingresos. Eso incluye todos los pagos hechos a través de plataformas P2P y otros gastos comerciales, un inconveniente más que los usuarios de aplicaciones P2P tienen que enfrentar.

Para los fines del IRS, usar una plataforma de pago P2P es similar a pagar en efectivo, por lo que el IRS la considera como una transacción no corroborada. Los propietarios de empresas deben tener documentación adicional, como facturas, recibos o reportes de gastos, para justificar el fin comercial de los pagos hechos a través de una plataforma P2P.

Por ejemplo, un negocio podría pagarle al personal de conserjería gastos legítimos de limpieza de oficinas a través de Venmo. Sin embargo, para los fines del IRS, una simple transacción de Venmo con la marca de la hora no brinda suficiente información como para justificar un gasto comercial.

  • Si pagas un gasto comercial a través de Venmo, PayPal u otra plataforma P2P, asegúrate de que el contratista te haga una factura o de que el proveedor te entregue un recibo.
  • Esta documentación debe incluir la cantidad pagada y una descripción del gasto comercial.
  • Así, te asegurarás de tener la información de respaldo correcta para tus deducciones si el IRS alguna vez te cuestiona la legitimidad del gasto.

Recuerda que, como propietario de un negocio, todos los pagos que te hagan a través de una aplicación P2P igualmente están sujetos a las reglas de reporte del Formulario 1099 del IRS y se deberán considerar como corresponde.   Desde el punto de vista del IRS, los ingresos del negocio que se cobran a través de una aplicación P2P no difieren en nada de cualquier otra transacción que se realice a través de una cuenta bancaria tradicional. Los negocios igualmente tienen la obligación de reportar todos los pagos que reciben a través de Venmo y PayPal como ingresos sujetos a impuestos al presentar sus declaraciones.

Si usas PayPal, Venmo u otras plataformas P2P para fines comerciales, ahorra tiempo y realiza un seguimiento sin esfuerzo de los gastos de todo el año con QuickBooks Self-Employed, que puede importar los gastos fácilmente a TurboTax Self-Employed a la hora de preparar tu declaración.

Con TurboTax Live Full Service, un experto bilingüe local elegido según tu situación en particular se ocupará de tus impuestos por ti de principio a fin. O bien, obtén ayuda y asesoramiento ilimitados de expertos en impuestos bilingües mientras preparas tu declaración con TurboTax Live Assisted.

Y, si quieres preparar y presentar los impuestos por ti mismo, puedes tener la certeza de que lo harás bien con TurboTax en español , ya que te guiaremos paso a paso. Independientemente de la forma en que realices la presentación, garantizamos un 100 % de precisión y el máximo reembolso correspondiente.

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 Un experto bilingüe especializado que se ajuste a tu situación particular preparará tu declaración de impuestos de manera 100 % correcta, garantizado con TurboTax Live Full Service. Tu experto buscará todas las deducciones de impuestos que mereces y presentará la declaración por ti hoy mismo.*

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TurboTax Desktop Individual Returns:

  • 100% Accurate Calculations Guarantee – Individual Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we’ll pay you the penalty and interest. Excludes payment plans. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Refund Guarantee / Maximum Tax Savings Guarantee - or Your Money Back – Individual Returns: If you get a larger refund or smaller tax due from another tax preparation method by filing an amended return, we'll refund the applicable TurboTax federal and/or state software license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Audit Support Guarantee – Individual Returns: If you receive an audit letter from the IRS or State Department of Revenue based on your 2024 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Support Center, for audited individual returns filed with TurboTax Desktop for the current 2024 tax year and, for individual, non-business returns, for the past two tax years (2022, 2023). Audit support is informational only. We will not represent you before the IRS or state tax authority or provide legal advice. If we are not able to connect you to one of our tax professionals, we will refund the applicable TurboTax federal and/or state license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TurboTax Desktop Business Returns:

  • 100% Accurate Calculations Guarantee – Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we’ll pay you the penalty and interest. Excludes payment plans. You are responsible for paying any additional tax liability you may owe. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Tax Savings Guarantee - Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Business Desktop license purchase price you paid. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

  • Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.

  • TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.

  • Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.

  • Average Refund Amount: $3,207 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 16, 2024 and may not reflect actual refund amount received.

  • TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.

  • Deduct From Your Federal Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment. method. Prices are subject to change without notice.

  • Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2022 and higher) and QuickBooks Desktop (2023 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.

  • Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2024 return(s) prepared with TurboTax Desktop software. Additional fees apply. Must be purchased and used by October 31, 2025. Excludes TurboTax Desktop Business. See License Agreement for details.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

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