IP, currency control on invoices, without a contract?

Question

Freelance

I am a freelance programmer, and I work with foreign clients on the principle of milestones - we agree with the client a list of tasks conditionally for a week, I complete them, he tests and accepts, then I send him an invoice for the services rendered, and he makes a transfer to me on paypal.
Sometimes there can be 1 such milestones, sometimes 10, sometimes not at all. Some customers order a little, some may order a milestone a week or a month for years.
In connection with the registration of IP, I want to transfer the same procedure to the rails of a current account as painlessly as possible. The problem is that I don’t conclude contracts with my clients - to tell the truth, I’m too lazy, I’ve never been scammed, and the scope of my work is such that the client himself doesn’t know what he wants until I do it to him :- )
Therefore, the question is - is it possible to work with currency control in Russian banks only on invoices? In fact, I have just started to open an individual entrepreneur, and I can open a current account in any bank - Alfa, Module, Tochka, Tinkov, and others. Maybe someone has a specific experience in one of these banks only on invoices?
Thanks in advance for your replies!

Answer 1

Yes.
Only it will not be just an invoice, but an invoice-contract. Here's an example for you.
I have been using such a document for almost a year now, there are no problems with VK.
Served in Modulbank and Tinkoff Bank.

Answer 2

Get confused with IP.
If the amounts are really small, no foreigner will pay by SWIFT to Russia.

Answer 3

In general, without a contract - I do not know. It is possible to conclude one large contract, in which it is necessary to prescribe the condition that the payment of the invoice entails the acceptance of the work and then send only invoices to the bank, and do not re-sign the new contract. I do so.
What is possible without a contract at all, at least an offer - I honestly doubt it.

Answer 4

Yes. Can.
For details - in a specific bank, ask.

Answer 5

it is logical to ask this all at the bank you choose.

Answer 6

I work with Alfa on invoices from Upwork - there were no questions. The same situation was with Rosbank.

Answer 7

In general, web designers cannot do without an online checkout.
I found a good solution:
Maintenance of an online cash register from 900 rubles per month, Internet acquiring 2.65% (from the RFI bank, there are some other solutions)
www.i-retail.com/tools/online-kassa
The cash register itself is 21500 rubles
shop.i -retail.com/product/103357
For 1500 rubles, they will register an online cash register themselves if you have a digital signature of an entrepreneur.
So far, this is the cheapest option that I have found, below in the topic I have given all the costs by points.
The main problem, which is most likely whatever the solution, is that it will not be possible to issue invoices in foreign currency according to our laws. It would be great if the platforms displayed the amount in the client's currency, and charged the amount in rubles to comply with the law. Like sites like ebaytoday and other resellers. But so far, all the acquiring companies that I have interviewed (Yandex Kassa, Tinkof, Alfa, WalletOne, PayU) have all accounts and checks exclusively in rubles. For those who work with foreign clients, of course, it is not very pleasant.
I found another acquiring offer, which also works in conjunction with i-retail. 3% for acquiring, in addition to cards, Alfa-click, Qiwi, cash payment in communication stores are accepted.
Commercial offer that they sent me
. Business model for the integration of PayU + iRetail.
It is possible to issue invoices with a link to the payment page in English. language (if you are not an online store, but provide a service) But the check can only be in Russian. Because our branch is registered in the Russian Federation, respectively, and checks can only be in Russian.
Personally, for me, PayU is already better than RFI
---
21500 ₽ for the cash register + Annual payment in OFD 3000 ₽ + Once every 13 months {round up to 12} 7000 ₽ for updating the fiscal drive [essentially a flash drive that is inserted into the cash register] + maintenance of the IP bank account at least 600 ₽ per month + 900 ₽ per month for i-retail service [or 2000 ₽ in case of placement in their server room, if you are a downshifter)) ] insurance premiums for 28000 ₽ well, and tax, if you earn more than 50,000 r per month = 77.500 ₽ in the first year
and minus the cost of the box office 56.000₽ in the second and subsequent years (if nothing rises in price)
Roughly speaking, until there is an opportunity to set aside 80,000 rubles for the first year of work (consider two monthly salaries for the majority) on your IP for all these expenses, you can not even think about IP for a web designer, developer, etc. About the regions, I generally keep quiet.
Well, do not forget to increase your prices according to the percentage of your acquiring.
And as a bonus, once every 13 months you will have a new flash drive :)) (since no one needs the fiscal drive that has expired anymore)
UPD 06/9/17 : Tested PayU, terribly clumsy design, in some places even crooked names, support at first seems to be something then unsubscribed, but then the brakes began, in general, it looks like some kind of charade, I didn’t want to mess with them.
i-Retail itself makes a really good impression, but banks have UG partners. I'm waiting for Tinkov. At least they will be able to make the design of the payment page beautiful by default, and not a children's designer on patches
--
Tinkoff Bank promises to present its solution by July 1, I hope that they will do something good