How to withdraw funds from a Paypal account to a current account (IP)?

Question

PayPal

Hello.
I work as an individual entrepreneur on the simplified tax system without employees. I rivet programs under the order. Prices are in dollars. I receive payment to a transit account with Sberbank, and from there, through the “mandatory currency sale” operation, I receive it to a dollar or ruble current account.
The client asked to consider the payment option via PayPal.
1) Talked to PayPal staff about opening a “corporate account”. You have to submit a bunch of documents. To withdraw money, you can only use a ruble current account registered with the tax office.
Consider the following hypothetical situation: A customer pays dollars from their PayPal account to my PayPal account. Next, I want to withdraw these dollars. Then PayPal converts dollars into rubles at the internal rate and sends from Deutsche Bank to Sberbank.
And now let's look at the situation from a different angle: It turns out that a payment will come to my ruble current account in Sberbank, and it turns out that this payment went from my current account.
Questions: is it normal that I am the sender and recipient of rubles at the same time? How can I protect myself from double taxation (for dollars received from a client in PayPal and for rubles received on a current account with Sberbank)?
Let's consider a more complicated situation: if I received several payments and decided to withdraw them from PayPal one-time, how would the tax authorities look at it (after all, the money of different payments was mixed)?
2) I talked with the employees of Sberbank. I was asked the following questions: on the basis of what will money be credited to my ruble current account (based on an offer or an individual agreement with PayPal)? Will I separately issue invoices to PayPal or work under a contract?
How can I explain to Sberbank why money was credited to my ruble current account?
As I understood from further study of the topic, it seems that money will be credited to my current ruble account on the basis of an offer (PayPal employees talk about an agreement on their website). And Sberbank employees said that in the event of an offer, there would be a limit on input in the amount of up to 50 thousand dollars. Then, at 2 thousand dollars a month, this limit is exhausted in 2 years. How to be?
3) Communicated with the tax office. Employees have not heard anything about PayPal. When asked whether I need to register a PayPal account with the tax authorities, they could not answer. I also didn’t understand how to calculate taxes from the amounts received through PayPal.
In a parallel thread of the forum ( Withdrawal of funds from a Paypal account to the company's current account (LLC) ) there is an assumption that it is necessary to take the date of receipt of dollars from the client to my PayPal account, and multiply the amount of receipt by the exchange rate in the Central Bank of the Russian Federation on that day.
Then another question arises, for currency transfers PayPal takes a commission of 5.4% + 0.30 dollars. If I get paid $100, do I have to base my tax return on the $100 or the $94.3 received (100.00 -5.40 - 0.30)?

Answer 1

Well done, it's nice to read a detailed approach
, everything is more or less described here:
buh-v-seti.ru/uncategorized/raschetyi-s-klientom-c...
you have two bottlenecks for which you need to find solid official confirmation:
the first : the equivalence of payment by PayPal to payment by bank transfer. Indirectly - given the automatic withdrawal of Paypal to an account of more than 55k rubles - this is definitely somewhere. But I can’t quote from memory, and asking boos to find out is not handy.
second: wet signatures / seals on contracts with the customer and their replacement with facsimile. Here I would recommend that you send a request to the tax office: so and so, a service for abroad, shipping docks increases the cost of the service, can a facsimile be considered applicable for such types of contracts.
in general - and without answers to this you can sleep peacefully - in Paypal you will be like an individual entrepreneur, there are no attempts to hide income, and you can use a facsimile, but depending on the shitty, the inspector may find fault.
The bank is fussing over the offer (although do not forget about the Russian text on it).
50k is a year.
You can do more - but there is already a transaction passport, in general, with regular customers, you will be able to accept transfers directly to the account.

Answer 2

Greetings. Paypal does not allow you to withdraw currency to accounts, including currency ones in Russia, as recently as yesterday I removed all restrictions (confirmed my data with Paypal) talked to support - there is only one answer (no way). The trick is that on Monday, when the ruble jumps, the exchange rate in the Central Bank is 67 rubles for $ 1, and the stick has 64 when withdrawing, so with them, like in a casino, they are always in the thick. Like all payment systems.
This is like an alternative (we get in bucks - we withdraw in bucks) a link at the cash desks of banks we remove bucks, we attach a payment order from the bank to the declaration. Identity and account verification will also be required, plus you will receive a card.