What is the most convenient way to transfer money in 2015?

Question

Payment systems

In general, the situation is changing quite rapidly and many things that were relevant half a year ago are already outdated. The question is standard. How to get dollars from abroad with a minimum of hassle and commissions in amounts up to 20k bachi per month. Current problems with individual entrepreneurs - foreign banks do not send money referring to the financing of terrorism, our banks without hemorrhoids do not give dollar cash referring to internal orders (it will be bought from them at a predatory rate). Payoneer private load is very slow and limited to the amount previously received from partners.

Answer 1

several cards with good limits
from this to similar ones,
there are definitely three services right
away + there are solutions to pay employees by distributing cards, etc.

Answer 2

"with a minimum of crap and commissions in amounts up to 20k bucks per month" - this is to climb a Christmas tree and so that without damage - probably nothing. Either with crap, or with commissions. And even with both problems.
In the legislation, including on currency regulation, there seems to be no ban on opening an account abroad, except for some categories of persons - N 79-FZ .
But in practice, it is easier to receive an individual entrepreneur on a dollar account, issue a transaction passport and go through the VC. In this case, PS will definitely be needed, based on the amounts. The details of your foreign currency account are usually all torn there through a correspondent account abroad, opened in the name of your bank. So what does the financing of terrorism have to do with it? If you don’t really do this, everything is OK - you have an agreement that describes what you get paid for. If your bank somehow dislikes your customers, well, open an account with another bank that they like. In the end, the income is decent - you can spend money on such overhead :)
There are also many gray schemes with payment systems, transfer services and offshore companies, if the soul lies more in this. For example, you can open a company offshore, work with clients through it. Then work with yourself on behalf of offshore and transfer money to your local accounts. This is generally not prohibited. The costs will simply be additional.

Answer 3

legally
only black and gray schemes.