How to choose a method of accepting plastic from Western customers for a Russian IP?

Question

Freelance

Hello.
Please help me choose a service.
The task is to accept from foreign customers (companies) payment for services through plastic.
It is necessary that the system meet the criteria:
1) Issue full reports for the Russian tax authorities and work adequately. Therefore, I do not consider paypal, because. They write that hemorrhoids are still the same.
2) Service commission no more than 4%. Here paypal is in the air again.
3) Automatically convert any currency into rubles, i.e. in order not to bother with currency control
4) Work according to the scheme issued an invoice for services - the client accepted - the payment went through.
5) It is desirable to somehow remember the client's card data with his consent, so that he does not have to constantly enter data. I know that in the upwork this is somehow done for customers, they enter the card details once and then simply accept or reject payment to the contractor without constantly filling out forms, how realistic is it to do this privately?
Thanks

Answer 1

no, calm down

Answer 2

Yandex checkout. Commission 3.5%. There are a lot of solutions, you can tie it to the site, you can simply issue invoices by mail. The loot falls on the RS. There is an agreement, etc.

Answer 3

https://stripe.com/ your solution is here

Answer 4

I also recently asked this question and during the search I found https://www.paymentwall.com/. I haven't used it myself so I can't say. Everything looks good, but as I understand it, they do not send in rubles to the account.
Commission 3.9% + $0.3