How to teach customers to pay to a current account, and not to a card?

Question

Freelance

I am a freelancer, I worked as a freelancer for several years, as incomes began to grow, I decided to register an individual entrepreneur and work completely officially.
But I ran into one problem - when paying for orders, when you give customers a checking account for payment, they say - why is it so difficult, it can't be easier, maybe just throw it on the card? If you do not give the opportunity to pay by card, you can generally lose a client, because not everyone is comfortable paying to a current account, and from a mobile bank there are generally much fewer actions when paying to a card than when paying to an account.
But for me, these customers who like to pay on cards are hemorrhoids. You have to pay 13% from transfers to cards, now it has become mandatory, especially since 2018 - everything is tightly controlled. At the same time, since I registered an individual entrepreneur, it is much better for me to pay 6% from the simplified tax system than to pay 13% - in addition, with a low income (and income up to 55 thousand rubles a month can be considered low income in this context) and 6 You don’t have to pay %, because they are covered by mandatory insurance premiums - therefore, paying 13%, because it is more convenient for customers to pay on a card, or not to pay and take risks - both options are bad.
What to do with this trouble, that it is easier for customers to pay to the card, how to solve this issue and work normally, deducting 6% of income as it should, while not losing customers who find it difficult to pay to the account and easier on the card?

Answer 1

It should be 13 percent more expensive for a client on a card, and he can already choose on a card but more expensive or on an account but cheaper

Answer 2

Register Yandex.Checkout and accept payments from customer cards. You will officially receive money from physical. faces. The money will come the next day from the Cashier directly to your account.
Look only at 54-FZ, don't shake it.

Answer 3

An individual entrepreneur has the right to use his personal bank account opened as an individual to receive payment for services rendered from counterparties. This opinion was expressed by the Federal Tax Service in its letter No. ED-3-2/[email protected] dated June 20, 2018.

https://www.klerk.ru/buh/news/475597/
receive a physicist's account and pay 6% from this.
just google how it will be necessary for tax registration

Answer 4

Option 1
Open a card for the current account and accept transfers to it.
- the card is a current account .
- it is convenient only for those who have cards in the same bank, others may have a commission from the sender
Make yourself a simple landing page and attach any payment you like there. Then either send customers there for payment or send them a payment link via SMS, messenger or letter, it’s very convenient, but not all payments support this.
- it’s convenient for absolutely everyone to pay, and not only with a card
- low commissions, there are offers on the market from 1% for acquiring
- you receive a refund on the account of the company and pay 6%, in total your expenses are only 7%, depending on who you connect to
- fuss with 54FZ, not all payments give an online cash desk, and then you have to buy additional equipment
- for some time you will not be able to use the money received, since first they go to the transit processing account and only then to your

Answer 5

The point began to accept payments to the IP card through the SBP. Alternatively use it.
I give the details of the corporate card of the IP - there are no problems. Moreover, ModulBank and Alpha and Tochka. Let them pay by card if they want.

Answer 6

The first question - why give part of the money to our "beloved" state, if there is no benefit from this? (rhetorical)
answer to the question - get a bank card tied to P \ C, and give the card number. Money will fall into the IP account

Answer 7

And you don't want to be self-employed. And the tax is less, and payments are easier to accept.
https://npd.nalog.ru/#start

Answer 8

What is the problem? If you want to declare a transfer to a card, declare it.