Krympress reports:
Recall that self -employment is a special tax regime for citizens working as an entrepreneur. It allows you to legally provide services and sell goods of own production with minimal tax rates.
Key features:
- Professional income tax (NPD): 4% of income when working with individuals and 6% in cooperation with companies and individual entrepreneurs.
- Lack of reporting: no need to submit declarations and reports to the tax.
- The annual income limit: maximum income is 2.4 million rubles. If the amount is exceeded, it is necessary to change the tax regime.
- Flexibility: you can combine self -employment with official employment if the employer does not mind.
- Fast registration and refusal: you can take a draw -out through the “My Tax” application, the FTS website, public services or the bank.
Ways to receive payment
Self -employed can receive payments from customers in different ways:
Cash
- Optimal for the service sector (for example, manicure, repair, tutoring).
- It is necessary to manually form a check in the Appendix «My Tax».
Translations to a card or bank account
- A convenient option for remote work and one -time orders.
- It is possible to transfer through a system of quick payments (SBP).
- The client needs to send a check after receiving funds.
Electronic wallets and payment services
- A suitable option for freelancers.
- Allows you to automatically form checks through integration with services.
Actering (terminals and online payments)
The most convenient option for self -employed with a large stream of customers.
Ekweering types:
- Trading: Payment via POS terminal (connection to the Internet and power grid).
- Mobile: a terminal with a battery, convenient for visiting specialists.
- Internet acquiring: online payments through the site, messengers or social networks.
One of the current issues for self -employed is the possibility get a payment of a self-employed from a border. In 2025, this is possible in several ways:
- bank transfer to the Russian Bank (SWIFT or alternative systems);
- use of international payment services (if transferred to the Russian Federation is supported);
- Cryptocurrency transfers (require the subsequent fixation of income in “My Tax”).
It is important to consider that payments from abroad may require additional evidence, as well as currency converting.
Making checks
The issuance of checks is a mandatory requirement for all self -employed. The check can be issued in “My Tax” as follows:
- Open the application and click the «New Sale».
- Enter the amount, type of activity and (if necessary) customer data.
- Click «Create a check.»
- Send a check to the client in the messenger, by email or in the form of a link.
Important: for the untimely issuance of a check, fines from the Federal Tax Service are possible.
Self -employed income: what is taxed
NPD is taxed:
- Payment for services and work.
- Sale of goods of own production.
- Income from the delivery of residential real estate.
NPD is not taxed:
- Salary under an employment contract.
- Sale of personal property (car, apartment).
- Alimony, pensions, scholarships.
- return debt.
- State benefits and insurance payments.
How to accept payment: step -by -step guide
An agreement with the client
Discuss a convenient way to calculate in advance (cash, card, acquiring, etc.).
Preparation of details
If the client pays for a card or invoice, provide him with:
- Full name
- TIN
- Account number
- The name of the bank
- BIC
Obtaining payment
After receipt of funds, make a check.
Formation and sending a check
Produce the check immediately after receiving payment (by email, to the messenger or in paper form).
Tax verification
The application will automatically calculate the NPD (4% or 6%).
Nuances when working with different customers
Payment from individuals
- It is possible to transfer to a card, cash or through electronic wallets.
- The contract is not required, but with amounts of over 10,000 rubles, it is better to draw up a written agreement.
Payment from individual entrepreneurs and legal entities
- It is necessary to conclude an agreement indicating the status of a self -employed.
- Before payment, an act of work performed and an invoice is drawn up (you can through “my tax”).
- Payments pass through the current account or by details.
Important points
- If payment is received in parts, a separate check is issued for each payment.
- It is better to immediately fix the payment to “my tax” to avoid fines.
- Self -employed is prohibited from working with excisable goods (alcohol, tobacco, fuel, car).
Experts note that work in the status of self -employed in 2025 allows you to legally receive income with minimal taxes. The main thing is to comply with the rules for registration of checks and choose convenient ways to accept payment. Thanks to mobile applications and acquiring, the process of receiving money becomes simple and convenient for both performers and customers.
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