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RESICO in Mexico: How does Stripe handle VAT and income tax (ISR)?

Understand which taxes Stripe handles and which ones remain your responsibility.

If you're registered under RESICO (Régimen Simplificado de Confianza) in Mexico and you use Stripe to process your payments, it's important to understand how VAT and income tax (ISR) are handled — Stripe doesn't manage both taxes the same way.

This article is for informational purposes only and isn't tax or legal advice. Tax treatment can vary depending on your specific situation. Before making tax decisions, confirm with your accountant or tax advisor how these rules apply to your case.

Does Stripe withhold or charge ISR?

No. Stripe doesn't charge or withhold the ISR (income tax) owed on your income from the transactions it processes.

Stripe works as a payment processing platform and only charges its own service fees. Complying with your ISR obligations to the SAT is your responsibility as the merchant.

If you're registered under RESICO, this means you need to:

  1. Report your Stripe income to the SAT.
  2. Calculate the ISR owed based on your tax regime and income level.
  3. Pay the ISR directly to the SAT.
  4. Keep your Constancia de Situación Fiscal up to date in your Stripe Dashboard, when applicable.
  5. Use the transaction reports Stripe provides to support your tax filings.

Under RESICO, ISR rates can be progressive, generally between 1% and 2.5%, depending on your income level and applicable conditions.

Note: Stripe's documentation doesn't include specific guidance on RESICO's tax treatment. For the exact obligations that apply to your situation, we recommend checking directly with the SAT or a tax advisor.

How does Stripe handle VAT?

Unlike ISR, Stripe can calculate and charge VAT when applicable, based on the tax rules that apply to each transaction.

In Mexico, the standard VAT rate is 16%, and in general this rate doesn't change based on whether you're registered under RESICO. In other words, your tax regime — whether RESICO, Régimen General, or another — doesn't automatically change the standard VAT rate that applies.

How to configure your VAT rate in Fitune

You decide how VAT applies to your prices from your Fitune Dashboard, under Settings → Taxes:

  • Inclusive — the price your clients see already includes VAT.
  • Exclusive — VAT is added on top of the price you set.

If you're not sure which fits your business, your accountant can advise you based on your tax regime. For step-by-step setup, visit Configure Tax Settings.

What's the difference between VAT and ISR under RESICO?

They're two separate taxes with different tax treatment:

  • VAT — Stripe can calculate and charge it on applicable transactions. The standard rate in Mexico is 16%.
  • ISR — Stripe doesn't charge or withhold it. You calculate, report, and pay it to the SAT according to your tax regime.

Invoicing and withholding obligations can also vary depending on your tax regime and the specifics of each transaction.

What other tax-related aspects does Stripe handle?

Beyond payment processing, Stripe can provide tools and documentation related to:

  • VAT calculation and collection — when applicable to the transaction.
  • CFDI invoicing — Stripe issues monthly CFDI 4.0 invoices for its own services and fees, when applicable.
  • Transaction reports — you can use these as a reference to keep track of the income processed through the platform.

In summary

  • Stripe processes your payments and charges its processing fees.
  • Stripe can calculate and charge VAT when applicable.
  • Stripe doesn't charge or withhold ISR on your income.
  • You, as the merchant, need to report your income to the SAT.
  • You, as the merchant, need to calculate and pay the ISR owed under your tax regime.

Frequently Asked Questions

▶ Does Stripe withhold ISR from my income? No. Stripe doesn't charge or withhold ISR — that's your responsibility as the merchant with the SAT.

▶ Does the VAT rate change if I'm registered under RESICO? No. The standard VAT rate in Mexico is 16%, and in general it doesn't change based on your tax regime.

▶ What do I need to do with my Stripe income if I'm under RESICO? You need to report it to the SAT, calculate the ISR owed based on your regime and income level, and pay it directly to the SAT.

▶ Does Stripe help me calculate my ISR? No. Stripe can calculate and charge VAT, but calculating, reporting, and paying ISR is your responsibility.

▶ Where can I find reports to help with my tax filings? Stripe provides transaction reports you can use to support your filings with the SAT.

▶ What ISR rate applies under RESICO? It's generally progressive, between 1% and 2.5%, depending on your income level and applicable conditions. Check with the SAT or a tax advisor for guidance on your specific case.

▶ Can I choose whether VAT is included in my price or added separately? Yes. From Settings → Taxes in your Fitune Dashboard, you can set your VAT rate as inclusive (already in the price) or exclusive (added on top).

▶ Who should I ask about my exact tax situation? The SAT or a tax advisor — Stripe's documentation doesn't cover RESICO's specific tax treatment.