Payment systems with physical faces?

Question

Payment systems

There are after all payment systems that work with physical. persons. This is not a violation of the law, there, like the tax authorities will be interested, etc. if you conduct activities being a physical. face?

Answer 1

All market participants pretend not to break the law.
I participate in the development of such a system just.
Violation is only large and regular amounts received by one individual.
Small irregular amounts go like "a small debt paid off" or "threw money on myself."
Strictly speaking, payment systems and "illegal entrepreneurial activity" are different things.
However, the need for verification of such transactions was assigned to banks.
There are different paranoias of banks according to the degree of strictness of the implementation of this legislation.
Some banks set a limit of 15,000 rubles one-time and 60,000 per month or 250,000 per month ....
Some banks set limits higher.
Some banks set limits lower.
From 600,000 - the bank's questions definitely arise.
But these are limits for recipients.
There are also limits on payers (not for end payers, but for payment systems).
They are higher. But they are. And banks also ban payers, there you need to individually go to the bank to negotiate. Personally. Personally to the top management of the bank.
I write "banks". For payment systems work through banks.
And the payment system is forced to comply with the rules that banks set.
In particular, in order not to exceed the limits, we have to work with two dozen payment systems.

Answer 2

The bottom line is that accepting payments by individuals is not necessarily an entrepreneurial activity.
In addition, there have recently been, for example, self-employed - these are individuals.

Answer 3

It is possible to conduct activities as an individual, why not. Only the organization that will work with you (now, of course, we are talking about official cooperation) will be forced, under an agreement with an individual, to take all deductions for you to the Pension Fund, Compulsory Medical Insurance Fund, etc. to myself. Plus, you will have to pay 13% personal income tax - this is just a personal income tax. Of course, adding 40+% to all costs in the cost of your service is not beneficial primarily for the customer, since the amount of the contract increases by 1.5 times, which in the end will make it difficult to conduct business and earn money for you. As a result, you will be forced to either open an individual entrepreneur with a minimum tax of 6% and simplified taxation, so that these taxes can be lowered, or work unofficially (but this is at your own peril and risk and there is no task to argue in this area).
By the way, the tax office may be interested in any payment, even 1 ruble, if the payment was made on behalf of the organization to the current account of an individual (let's put it simply - a card). When checking the company (if this happens), you will also be asked why the company pays you as a physicist (the amount is not important, they reduce the debit with the credit and check every penny to go to zero) and will ask you to provide primary documents (and this exactly the contract). He is not there - a fine for both. The verdict is to sit and bite your nails, whether they will check the company or not, so that bread crumbs do not lead to you or open an IP and not bathe.
"Are there payment systems that work with individuals?" Almost all payment systems work with individuals too. Banks themselves, according to internal regulations, prohibit making income to the accounts of individuals received from entrepreneurial activities. But if you have a contract and everything is official, the tax does not care. And if the income is small, the bank will most likely not pay attention either.
In general, Artem , right, the essence of the issue is not clear)