Basic tax guide: Card, Bizum and cash payments
Basic tax guide: Card, Bizum and cash payments
By buying you accept the terms of sale.
Do you take payments by card terminal, Bizum and cash and aren't sure you declare them correctly? Did you know that since 2026 your bank tells the Tax Agency every month what you take by card and by Bizum? This basic guide explains in plain language, with one example from start to finish, how each payment is declared and how to balance the till every day.
What it includes
- 📄 6-page PDF guide (A4), with a café's end-of-day cash-up and all its numbers.
- 📊 ‘Daily cash-up’ spreadsheet (3 tabs): the day's cash-up with any discrepancy to the cent, the monthly summary that matches what your bank reports, and the usual causes of discrepancies.
- 🇪🇸 Also in Spanish. The PDF and the spreadsheet, in English and in Spanish, in the same download.
What you will find
- What your bank tells the Tax Agency: card terminal and Bizum takings every month (modelo 170, the banks' monthly report of card and Bizum payments), cash deposits over €3,000 and your accounts.
- The cash limit: why a sale of €1,000 or more cannot be paid in notes, and the fine.
- The receipt for each sale: when a receipt is enough, what it has to show, customers that are businesses, deposits, refunds and tips.
- Verifactu and your till: what you should do.
- A cash-up from start to finish, how it goes into the sales ledger and what is declared.
- Card terminal fees and the most common mistakes.
Who it is for
Freelancers and small businesses that serve the public: shops, bars and cafés, hairdressers and beauty salons, workshops and services. With a note for those under the equivalence surcharge or flat-rate modules.
How you receive it
When you pay, you get the PDF and the spreadsheet straight away, on the confirmation page and in your e-mail. The spreadsheet also opens in Google Sheets or Numbers. It is digital content: once you receive it, you lose the right of withdrawal.
Version
October 2026 version, with the rules in force on that date.
Who wrote it
DPL Asesores, a tax and accounting advisory firm in Alicante that handles the bookkeeping and taxes of freelancers and small businesses. Guide written with the help of artificial intelligence tools.
⚠️ This is general information as of the version date, written to be understood without prior knowledge. It does not replace advice on your specific case.
€5 VAT included.
🎁 And if you then book a consultation with DPL Asesores within the following 3 months, we take the €5 for the guide off: the code is on its last page.
Terms of sale: dplasesores.com/en/ecommerce/condiciones-de-contratacion