How to withdraw money from Paddle/Paypal?

Question

Payment systems

Hello!

I have:

1) SaaS service from which there is a profit
2) Paddle account

Need: withdraw money to a Russian card (for example, Tinkoff)

I don’t understand taxes at all, and here questions arise. I understand that you need to either withdraw SWIFT by transfer, having the risk of blocking the payment (and even the account?), Or pay taxes.

Don't mind paying if there's a reason. What to choose in this case? Is the option of a self-employed person suitable, or do you need an individual entrepreneur? Considering that there is full-time work under an employment contract.

The sums are not big, but he immediately withdraws everything from the paddle account, about $4000 has accumulated there.

The same question for paypal (some services like gumroad display only on paypal).

That is, do you need to be well versed in the law, explain to the tax office what SaaS is, etc., or is there an option to press a button and pay 3-6% (if you use some kind of online accounting)?

Answer 1

according to the withdrawal method:
1) swift to a dollar tinkoff account, paddle will charge you $15 + correspondent banks for swift transfer will also take a piece + to convert dollars into rubles through tinkoff on weekdays you will lose about 0.5% on conversion (for large amounts can be made through a Tinkoff brokerage account there, you will lose less on conversion). This method is suitable for large amounts.
2) paypal - paypal will take about 5% commission from VAZ for accepting payments from abroad + you will lose another 5% on converting from dollars to rubles. The most unprofitable way
3) payoneer - when withdrawing to a Russian bank card, you will lose about 2% -3%. this method is suitable for regular payments of small amounts and it will not raise questions from banks.
For income up to 200 thousand / month, the easiest way to pay taxes is as a self-employed person - 6%, everything is simply done through the application