How to make payment for services from transferwise to IP (6%)?

Question

Freelance

Good afternoon!
The customer wants to pay for the work performed through the transferwise service (in rubles, the amount is about 40k monthly), how can I link my IP account to this? Do you need some kind of contract with some details? Delivery deed? As I understand it, there is also currency control ...
UPDATE : Transferwise does not allow you to add an IP bank account (warning "You specified a business account, blah blah blah").

Answer 1

I wouldn't recommend doing this.
I had the same situation and I consulted with my bank. They said that the money will come from Transferwise, so you must have documents explaining the origin of the money for currency control. But you only have a contract with your customer, not with "Transferwise". Therefore, there may be a problem with currency control.
Better not save money, but make a regular SWIFT transfer directly from your customer to you. For currency control, you will need an agreement (with a version in Russian) and an act / invoice for each receipt. Nothing complicated. It is important that the contract contains the same details from which and to which the transfer will be made. It is also desirable that the transfer be carried out from a legal entity, and not from an individual.
All this trouble makes sense if the amount is large enough (from $1000 at least). Less is meaningless. It’s easier to do it through PayPal then, you can do it illegally without any documents.

Answer 2

40k per month is 7 times less than the amount after which you need to worry about nologs

Answer 3

I tried this last year. TransferWise did not allow the client to pay to the account starting with 40802, he wrote something indistinct like Account number is invalid. Moreover, if in the account number the beginning is replaced by 40817 and the key is picked up, then the error disappears. Those. apparently Rapida told them that electronic payments between legal entities are prohibited in Russia and they blocked this possibility.
Regarding the fact that the transfer comes to the bank from the payment intermediary, and not from the customer, it seems to me not a very big problem. The intermediary writes the details of the payer in the purpose of the payment and this should be enough.
In theory, up to 200 tr. currency control documents are no longer required, you can experiment with small amounts.