How to work with foreign customers?

Question

Freelance

Good afternoon.
Tell me, I have a customer from America, with whom promising cooperation is being established. We work directly. In addition to this customer, in the future I plan to work with many, in general, there will be some kind of turnover, and we will work with a company / group of programmers.
While I work alone. There is paypal, payoneer / elance, a savings bank account (a debit card, where the RFP falls). I read the reviews - I found a lot of complaints that when transferring from paypal to a bank account, banks tend to block cards and require an explanation of the origin of the money. Moreover, the reviews are completely new, this year.
Paypal is about 4% commission, plus automatic transfer to rubles at a bad rate (however, I confirmed my account and now everything will probably be stored in dollars, but I don’t know at what rate the transfer will be)
Payoneer - if I understand correctly, is this an account in an American bank? I asked for a transfer there, to which the customer told me that a $45 fee is charged there, which is significant (about 10% is a commission). Plus, payoneer will take for the withdrawal, and in general for everything that is possible, so it’s completely expensive.
Elance->payoneer without commission, but Elance takes 8.5%, i.e. about the same situation.
Question: how to withdraw money while the turnover is not large (~ 80-100k per month), and how to withdraw when it becomes more (~ 200k)
In general, if you need to open a legal entity, it’s not a question, I just want to understand which option is the most optimal in terms of commissions. After all, there are still direct money transfers? There is also a commission, but it can be much less, and the money is immediately credited to the card? About legal aspects I know a little more than about string theory. If, for example, you make a paypal account corporate, make an individual entrepreneur, transfer from paypal to an account, will it be possible to withdraw money without problems?

Answer 1

Your schema:
There are, of course, more "interesting schemes", but they are all legal, so I will not consider them.
Incoming payments to a bank account (no difference in what currency) are not subject to commission, I saw instructions from the Central Bank on this account somewhere.
Anticipating the obvious reaction of those reading this, "Wow, how many taxes ...", etc. In Russia, it is officially not profitable to introduce money for your own food. To build something or for research (there is a VAT deduction and there will be no income tax) - yes, but if you are a freelancer and earn your living over the hill, it will be problematic for you to officially work in the Russian Federation ...
The way out of this two: dodgy and offshore.
First (cunning) - open a credit card in any bank in the Russian Federation. Personally, I like Tinkoff more than others. Use the credit limit and once a month transfer your earnings to this credit card. TCS has one account, which receives all payments to be credited to their credit cards. Here, the calculation is on two things: a general account where the financial monitoring itself will break its leg in operations and the bank will not block its money, it doesn’t need extra crap with the return of its money, especially now (there is a crisis, as it were, in the yard).
The second (offshore) is the registration of a company somewhere in Hong Kong and the opening of a bank card in their own jurisdiction. You pay taxes as a foreign citizen in Hong Kong, but withdraw cash from your card here in Russia. The main thing is to leave a notice in the bank that you are going to the Russian Federation, otherwise, after the very first operation, your card will be locked up and you will be hemorrhoids ...

Answer 2

And why is the scheme to keep $ on PayPal bad? It’s all the same, because it’s cheaper to buy equipment, clothes, etc. abroad, and once a year, withdraw the required amount for household expenses, having previously calculated the monthly expenses and multiplying them by 12 (months).

Answer 3

We have the most optimal one is IP + Simplified (You can open a foreign currency account). It turns out 6% income tax (in the Ulyanovsk region), plus payments to all sorts of banks there for accounts and so on.

Answer 4

In any case, if you pay taxes, it will be more expensive.
Paypal takes 1.5 percent for transferring from account to account from different countries, 4.5 takes if you only pay from a credit card, and then I always charge the client with interest for the transfer.
In general, if you legally do not want to bother with taxes in Russia, leave, for 180 days not in Russia you will lose your resident status and you are not required to pay taxes on income received outside of Russia and not transferred through Russian banks.

Answer 5

Register IP. Not paying taxes is not an option, but without an individual entrepreneur you still have to pay, or a crime under the Criminal Code of the Russian Federation.

Answer 6

Why don't you like Western Union?

Answer 7

Good afternoon, the transfer to the details of the US Payment Service (data of an American account) through the ACH network for your client should be free of charge, a commission of 1% is taken from the recipient. Your client probably meant wire-transfer when they mentioned the $45 fee.

Answer 8

1. If you have an employee contract, then an individual entrepreneur or LLC is not a solution. Not idiots work in the tax office, they immediately kick you in the head. Therefore, if you have a contract for a permanent job - only as a private person and 3-personal income tax -> 13% taxes.
   
2. If you have contracts for each task with payment, then you can easily do IP with a simplified approach and with all the ensuing consequences.
   
3. Payoneer is a very convenient medium in this case:
   I. You can make a card from them and pay with it
   II. You can withdraw earned funds automatically to your Russian bank account
   III. The cost of withdrawing to your account is only $15
   IV. Replenishing your account (read the employer) does not pay anything