Do you prefer invoice or cash payment?
fat-TOO-ra — stress the second syllable; double 't' gives a crisp hold.
This is a direct conversation about payment method. Use with care — the question itself is somewhat taboo because in nero payments are technically illegal. The phrase is widely used colloquially but signals awareness of Italy's informal economy.
In nero (literally 'in black') refers to undeclared cash payments without a VAT invoice. The customer typically saves the 22% VAT but loses consumer protection if work is poor. Con fattura means with a proper invoice. The price difference between in nero and con fattura can be significant — often 20-30%. Italian tax authorities conduct periodic checks and can fine both parties.
Voglio la fattura per avere la detrazione fiscale.
I want an invoice to get the tax deduction.
Renovation work (ristrutturazione) qualifies for 50% tax deduction via the Superbonus; invoice is mandatory.
Paga in contanti o con bonifico?
Do you pay in cash or bank transfer?
A more neutral way to discuss payment method without directly mentioning legality.
Con il Superbonus devo avere i pagamenti tracciabili.
With the Superbonus I must have traceable payments.
Superbonus (government renovation incentive) requires bank transfer payments and invoices.
Italy's tax gap (evasione fiscale) is estimated at €80-100 billion annually — one of the EU's largest. Undeclared work by tradespeople is a significant component. The Italian government has repeatedly tried to incentivise declared work through renovation tax deductions (50-110% tax credits), with considerable success in the formal construction sector. The Superbonus 110%, introduced in 2020, briefly made Italy's renovation market the most formally documented in its history.