PagoPA is a platform to make all payments to the PA (Public Administration) simpler, safer and more transparent. pagoPA is compulsorily adopted by all Public Administrations and a growing number of Banks and payment institutions (Payment Service Providers - PSP). pagoPA is envisaged in the implementation of Article 5 of the CAD (Digital Administration Code) and by Legislative Decree 179/2012.

pagoPA was born for three reasons:

  • push electronic payments in the country, PA payments are relevant in terms of the number of transactions and amount.

  • Let the citizen have freedom of choice when it comes to payments and strengthen cost transparency

  • to reduce the acquiring costs for the PA.

What can I pay with pagoPA?

pagoPA allows you to pay taxes, fees, utilities, fees, membership fees, stamps and any other type of payment to central and local Public Administrations, but also to other subjects, such as publicly owned companies, schools, universities, ASL.

What are the advantages of pagoPA for my business?

The main advantage of using the pagoPA system is to rely on a single, simple, fast and transparent payment system (certainty of commission costs, clarity of amounts, etc.), to make any type of payment to the Public Administration. In particular:

  • transparency of commission costs

  • certainty of the debt owed, with the possibility of obtaining the discounting of the amount (i.e. the amount to be paid is always the valid one required by the PA. If the amount varies over time due to default interest or other, it is always updated on pagoPA )

  • simplicity and speed of the process: just enter the warning code (IUV Identificativo Unico Versamento) to pay and receive the release receipt or the certainty that the PA has collected the tax and there will be no subsequent verifications or investigations.

Why can't I find the postal bulletin in the payment slip that I received?

Not all PA institutions can receive payments by postal order, as not all have a postal current account, nor are they obliged to have one.

Why can I no longer find the MAV / RAV bulletin in the payment notification?

By joining pagoPA, the Creditor cannot use MAVs or RAVs.

If I make an incorrect payment, can I cancel the payment?

pagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment.

If for any reason the user needs to cancel a payment paid with pagoPA, he can request a refund from the Ente Creditore (the creditor), which can be made via pagoPA (reversal of the operation) within the same day. If the request is made later, the Creditor can provide for the reimbursement with other instruments.

What happens if I pay the same tax twice?

Double payment with pagoPA is not possible. pagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment.

In the event that a tax has been paid with pagoPA and also outside it (for example through an F24, if the Creditor Body permits it), the citizen must request reimbursement from the Creditor. The reimbursement can be made by pagoPA (reversal of the operation) within the same day of the payment made using pagoPA. If the request is made later, the Creditor will have to provide for the reimbursement with other instruments.

How do I report an incorrect payment?

pagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment.

In the event that a tax has been paid with pagoPA and also outside it (for example through an F24, if the Creditor Body allows it), the citizen can report it to the Creditor Body with the tools made available.

The reimbursement can be made by pagoPA (reversal of the operation) within the same day of the payment made using pagoPA. If the request is made later, the Creditor will have to provide for the reimbursement with other instruments.

Can I pay the wrong amount?

pagoPA does not allow incorrect payments because it checks the existence of the debt position and its consistency at the time of payment.

Does the payment receipt provided by Qonto have a release effect?

The payment made with pagoPA on Qonto has a release effect for the user, both of the payment made and of the underlying debt position.

When a payment is made with pagoPA, the system verifies the actual existence of the debt, updates the amount (in the case of arrears, for example, and finally communicates the payment to the Public administration.

What is the security level of payments made on pagoPA?

The level of security is guaranteed by adherence to the security regulations established by the Payment Card Industry (PCI) and adherence to the requirements on Strong Authentication provided for by PSD2. All payment institutions (Paid Service Providers) participating in the pagoPA system must comply with the security and fraud prevention requirements imposed by the PSD and PSD2.

Can I also collect credits from the public administration with pagoPA?

No, the pagoPA system only allows payments to the Public Administration.

Can I pay with pagoPA on my Qonto mobile app?

No, at the moment the pagoPA feature is available only on the Qonto web app. We are working to make mobile pagoPA payments available soon!

Can I pay pagoPA using my Qonto debit card?

Yes. You can use your Qonto cards to pay on any other pagoPA-enabled channel, but keep in mind that now you can pay PagoPA on Qonto, directly debiting your account.

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