Hacienda PR · SURI · IVU 11.5% · Act 60 · CFSE · FICA · Form 499-R -- all automated, all compliant.
"The Island of Enchantment and global pharma hub deserves the Americas' most advanced ERP."
Built for compliance with
Hacienda PR SURI -- Unified Revenue System IVU 11.5% Act 60 / PR Incentives CFSE -- State Insurance Fund FICA -- Social Security Form 499-R USDThe Island of Enchantment
Puerto Rico is a US Commonwealth with over 3.2 million inhabitants and one of the Caribbean's most sophisticated economies. San Juan is the financial and commercial center of the Hispanic Caribbean, while the pharmaceutical corridor from Manatí to Humacao positions the island as one of the world's top pharmaceutical manufacturing hubs -- with more than 25% of all medications sold in the US produced in Puerto Rico.
Act 60 (Puerto Rico Incentives Code, consolidating the former Acts 20 and 22) offers extraordinary tax incentives: 4% corporate rate, dividend exemption, and preferential capital gains rates -- attracting export services companies, technology firms, and asset management from across the US and Europe.
Puerto Rico's unique fiscal framework -- combining local (IVU, Hacienda, CFSE) and federal (FICA, IRS) obligations -- requires an ERP that handles both systems with total precision and no errors.
Puerto Rico in numbers
Strategic Sectors
Manatí-Humacao corridor -- AstraZeneca, J&J, Pfizer, Eli Lilly, AbbVie, Amgen manufacture in PR. Over 25% of US medications made here.
4% corporate income tax, dividend exemption, preferential capital gains -- attracting hedge funds, fintech, and service companies from the US and Europe.
Medical device and biotech manufacturing hub -- key component of the US life sciences ecosystem.
Transition to solar and renewable energy post-Hurricane María -- 100% renewable target by 2050 with local microgrids.
San Juan, Vieques, Culebra, El Yunque -- premium and luxury tourism with investment in boutique resorts and world-class gastronomy.
San Juan as asset management, family office, and fintech hub under Act 60 -- growing private financial ecosystem.
Billions in FEMA, CDBG-DR, and infrastructure bond funds channeled into construction, housing, and public works.
Puerto Rico as tech entrepreneur and crypto destination -- accelerated by Act 60 incentives and climate.
The Caribbean's top cruise hub -- gateway for millions of tourists and regional logistics platform.
Full Compliance Coverage
Puerto Rico combines local and federal obligations -- cifraHQ handles both with total precision.
Our Origin
cifraHQ was born in Panama -- a country that understands the complexity of multi-jurisdictional tax systems, dollar-denominated accounting, and simultaneous compliance with local and international regulatory frameworks. That is exactly Puerto Rico's reality.
Puerto Rico operates at a unique intersection: Hacienda PR obligations (IVU, local ISR, SURI, CFSE) plus federal IRS obligations (FICA, FUTA, W-2/499-R). Most ERP products on the market handle one dimension or the other -- rarely both with precision. cifraHQ was built for both.
Made in Panama. Built for Puerto Rico.
"An island that manufactures the world's medications and attracts global investment also deserves software that understands the complexity of its success."
Tax Compliance Engine
Automatic IVU calculation at 11.5% (10.5% state + 1% municipal) on all transactions. Monthly Hacienda PR declarations auto-generated. Native SURI (Sistema Unificado de Rentas Internas) integration.
Preferential tax treatment configuration for Act 60 businesses. 4% corporate income rate, tracking of export services income vs. regular income, and separate reporting for the incentives certificate.
Automatic FICA (Social Security 6.2% + Medicare 1.45% employer and employee), FUTA, SUTA, and federal IRC withholding. Forms 941, 940, W-2, and PR Form 499-R auto-generated.
Puerto Rico Payroll
Puerto Rico payroll is among the Caribbean's most complex due to the local-federal duality. FICA (Social Security and Medicare) + local Hacienda withholding + CFSE (workers' compensation) + FUTA/SUTA + Puerto Rico's unique Act 80 labor protections all require a specialized ERP.
Act 80's Triple Severance establishes a severance formula that escalates with years of service -- cifraHQ automatically calculates the correct benefit for each employee in each scenario.
Industry Coverage
Why cifraHQ
cifraHQ ERP in Puerto Rico
"Made in Panama. For Puerto Rico and the Americas."
cifraHQ -- Cloud ERP for the Caribbean's Pharma and Financial Hub
IVU · Hacienda PR · FICA · CFSE · Act 60 · Form 499-R · Triple Severance -- everything automated, everything compliant.
cifraHQ is available across the Americas. Explore the local-compliance pages for nearby markets.
