Good news for tourists is that when you pay with VISA in all restaurants in Uruguay you get the 18% VAT deducted from your bill. It also applies to car hire. All you need to do is pay with your VISA and this will be automatically deducted from your card. With MasterCard there is usually a deduction at end of month, but to be safe, best to use VISA. You will qualify paying at restaurants, bars, coffee shops, car hire.