The Central Bank of Paraguay has approved a tariff regulation for payment services under the National Payments System, introducing a single framework to make charges more transparent, improve cost comparability and limit certain fees. The measure sets information disclosure rules, authorized names for charges and tariff caps for commissions, expenses and penalties tied to payment services, with the stated aim of reducing information asymmetries, ambiguous or duplicated charges and competitive distortions between functionally similar services. The framework applies to participants and providers operating services processed through the Paraguay Payment System, acquiring, card networks and processing, proprietary systems and other authorized payment services. Key caps include a maximum fee of 1.5% of the transaction amount, VAT included, for Payment Initiation Service Providers, request to pay, direct debits or domiciliation and interbank transfers in proprietary systems. For a sponsoring participant, the cap is 1% of the transaction amount with a maximum of PYG 5,500. QR-initiated payments that use credit transfers as the underlying mechanism are also subject to a maximum commission of 1.5% of the transaction amount, VAT included, whether they run on public or private infrastructure. Providers must publish updated tariff schedules, clearly disclose commissions, expenses and penalties, technically justify charges and ensure each charge is verifiable and linked to an actual service.
Central Bank of Paraguay2026-07-14
Central Bank of Paraguay approves payment service tariff rules, capping key fees for QR and transfer based payments
The Central Bank of Paraguay has introduced tariff rules for payment services to standardize charges, improve transparency and cap certain fees across the National Payments System. The framework sets a 1.5% maximum fee for several transfer-based services, including QR payments backed by credit transfers, and a 1% cap for sponsoring participants subject to a maximum of PYG 5,500. Providers must also publish updated tariffs and clearly justify and disclose all charges.