Transaksi dengan Uang Elektronik, PPN 12 Persen Ditanggung Konsumen

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Jakarta, VivaSulut.com – Tarif Pajak Pertambahan Nilai (PPN) akan naik menjadi 12 persen mulai 1 Januari 2025, sesuai Undang-Undang Harmonisasi Peraturan Perpajakan (UU HPP).

Lantas, apakah biaya transaksi menggunakan uang elektronik maupun dompet digital (e-wallet) menjadi lebih mahal?

Bacaan Lainnya

Dilansir dari cnnindonesia.com, Kamis (19/12), PPN atau value added tax (VAT) adalah pajak tidak langsung, yang disetor oleh pihak lain atau pedagang yang bukan penanggung pajak atau dengan kata lain, konsumen akhir sebagai penanggung pajak tidak menyetorkan langsung pajak yang ditanggungnya.

Dalam konteks uang elektronik, pengenaan PPN berlaku pada biaya layanan atau fee yang dikenakan oleh penyedia layanan teknologi finansial.

Saat ini, besaran PPN sebesar 11 persen merujuk pada Peraturan Menteri Keuangan (PMK) Nomor 69/2022 tentang Tentang Pajak Penghasilan dan Pajak Pertambahan Nilai Atas Penyelenggaraan Teknologi Finansial yang berlaku sejak 1 Mei 2022.

“Misalnya, kita top up e-money Rp10 juta, umumnya terdapat biaya jasa atau kita kenal sebagai fee sekitar Rp500 atau Rp1.500 tergantung dari pemberi jasa. Nah, atas fee Rp500 inilah yang nantinya akan dikenai PPN 11 persen. Jadi, PPN yang dipungut hanya sebesar Rp55,” ujar Direktur Penyuluhan, Pelayanan, dan Hubungan Masyarakat Direktorat Jenderal Pajak (DJP) Neilmaldrin Noor pada 13 April lalu.

Sesuai pasal 7 PMK 69/2022, selain pengisian ulang, PPN juga dikenakan atas biaya jasa registrasi pemegang uang elektronik, pembayaran transaksi, transfer dana, dan tarik tunai.

Jika tarif PPN biaya jasa transaksi uang elektronik naik menjadi 12 persen, biaya tambahan yang harus dibayarkan konsumen meningkat.

Sebagai contoh:
– Untuk transaksi belanja Rp100.000 dengan biaya layanan Rp5.000, PPN yang dikenakan adalah 12 persen dari Rp5.000, yaitu Rp600.
– Jika melakukan pembayaran tagihan Rp500.000 dengan biaya layanan Rp3.000, PPN yang dikenakan adalah Rp360.

Kendati demikian, pemerintah belum menetapkan rincian barang dan jasa yang dikenakan kenaikan PPN.

Dalam konferensi pers pada awal pekan ini, Menteri Koordinator Bidang Perekonomian Airlangga Hartarto menegaskan tarif PPN 12 persen tidak berlaku untuk barang-barang yang dibutuhkan oleh masyarakat atau bahan kebutuhan pokok penting.

Namun, kenaikan PPN berlaku untuk barang dan jasa yang masuk kategori premium.

Pemerintah memaparkan 8 jenis barang yang dikenakan PPN12 persen mulai di antaranya:
1. Beras super premium
2. Buah-buahan premium
3. Daging premium
4. Ikan mahal seperti salmon premium, tuna premium
5. Udang dan crustacea premium (king crab)
6. Jasa pendidikan premium
7. Jasa pelayanan kesehatan medis premium
8. Listrik pelanggan rumah tangga 3.500-6.600 VA.

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