How and what taxes pay? Payoneer Belarus. Is it legally use? How and what taxes pay Payoneer in Belarus Tax
Is Payoneer legally in Belarus? How and what taxes pay? Similar questions have repeatedly set users on the Internet and, as a rule, do not get a clear and unequivocal response on them. Despite the fact that Payoneer is an international payment system that allows payment of payments in fact from around the world and is one of the most popular and well-known global payment systems, its use is not very common in the Republic of Belarus.
After analyzing the practice of using Payoneer in the Republic of Belarus, it can be concluded that this payment system is extremely rarely used by legal entities and individual entrepreneurs due to the fact that most of them doubt their legitimacy and does not have information about what taxes in which order should It is possible to pay when it is used, as well as completely does not understand what other nuances may arise in their work when using this system.
In order to eliminate the uncertainty and establishing an unambiguous understanding of all nuances of using Payoneer in the Republic of Belarus, LLC "The best lawyer" was analyzed by law, requests were sent and received answers from tax authorities, as a result of which we can allocate highlights and nuances that are worth paying attention to the Payoneer system:
1. Resolution of the National Bank of the Republic of Belarus
The opinion is quite common that to work with Payoneer it is necessary to obtain permission from the National Bank of the Republic of Belarus to open an account abroad. But, obtaining the permission of the National Bank of the Republic of Belarus is not required, Since Payoneer accounts for customers do not open.
2. Value Added Tax.
Belarusian companies join the Offer and pay the Commission of the American company Payoneer Inc., which is registered in the state of Delaware (USA). PAYONEER INC. Provides payment service services and charges a commission for: receiving payments (including Internet sites), transfer of payments, use MasterCard card, card reissue, removal of funds.
In accordance with paragraph 1 of Art. 92 of the Tax Code of the Republic of Belarus (hereinafter referred to as NK), in the sale of goods (works, services) in the territory of the Republic of Belarus by foreign organizations that do not carry out activities in the Republic of Belarus through a permanent representation and not registered in this regard in the tax authorities of the Republic of Belarus, The obligation to calculate and transfer to the value-added tax budget is assigned to the organization and individual entrepreneurs in the tax authorities, acquire data (works, services), property rights.
The place of implementation of works, services, property rights is determined in accordance with the provisions of Art. 33 NK. PAYONEER INC. SERVICES Belarusian organizations and individual entrepreneurs of the territory of the Republic of Belarus are not recognized (sub. 1.5. Article 1 of Art. 33 NK). Respectively, value added tax is not calculated.
3. Tax on the income of foreign organizations that do not operate in the Republic of Belarus through permanent representation.
The object of taxation by tax on the income of foreign organizations that do not operate in the Republic of Belarus through a permanent representation is recognized by the income received by the payer from sources in the Republic of Belarus,
renamed in paragraph 1 of Art. 146 NK. Commission charged by Payoneer Inc. It is not an object of taxation of income tax.
4. Offshore collection.
According to the provisions of Art. 232 NK, the object of taxing by offshore fee is, including the transfer of funds by the resident of the Republic of Belarus to the Republic of Belarus, registered in the offshore zone, another person on the obligation to this non-resident or account, open in the offshore zone, unless otherwise established by this article .
Based on the Terms of Use ("Payoneer Terms and Conditions"), when using the company's services, the User agrees to pay all prices and fees based on the company's tariffs. For payment of services provided by Payoneer Inc., the user - the resident of the Republic of Belarus provides this company permission to write off payments due to it. Such permission is valid for the entire time of use of Payoneer Inc.
PAYONEER INC. Registered in Delaware (United States of America), which, according to the decree of the President of the Republic of Belarus No. 353 of 06/25/2006 is an offshore zone. Thus, the transfer of funds by the resident of the Republic of Belarus to the non-resident of the Republic of Belarus, registered in the offshore zone.
In the existing situation, based on the approaches defined in Art. 234 NK, when the listing is made not from the payer's bank account, an offshore collection is subject to pay no later than the day, following the day of write-off, at the official rate established by the National Bank of the Republic of Belarus at the date of such write-off.
The tax base of the offshore collection is determined on the basis of the amount of credible funds. Offshore collection rate - 15%.
Legal entities and individual entrepreneurs are required in general to carry out a mandatory sale in the domestic foreign currency marketwith them using the Payoneer Inc. system In the amount of 10 percent of the amount of revenue in foreign currency. Mandatory sale period - 7 working days from the date of currency revenue.
6. Completion of the foreign trade operation according to the Decree of the President of the Republic of Belarus dated March 27, 2008 No. 178 "On the procedure for conducting and controlling foreign trade operations".
It is worth noting that when using the Payoneer system, when executing a contract with partners, it is necessary to comply with the deadlines for the completion of foreign trade operations.
As a general rule, in exporting (transfer by resident of goods (including transactions not related to the movement of goods through the state border of the Republic of Belarus), protected information, exceptional rights to the results of intellectual activity, work, the provision of services on a reimbursable basis by non-resident) From the counterparty should be received within a period of no more than 180 calendar days from the date of shipment of goods (transfer of protected information, exclusive rights to the results of intellectual activity), the performance of work, the provision of services.
As a general rule, in exporting, the foreign trade operation must be completed by receipt of funds for the transferred goods (protected information, exceptional rights to the results of intellectual activity), the work performed, services rendered. At the same time, the receipt of funds is carried out only on the accounts of exporters (with the exception of the list of some sufficiently specific cases).
Thus, within 180 days from the date of shipment of goods (transfer of protected information, exceptional rights to the results of intellectual activity), the fulfillment of work, the provision of services, funds must be derived from the exporter in the Republic of Belarus.
There are situations in which the counterparty does not sign a document confirming the provision of services, work (act) or other document and oblige him to make the resident of the Republic of Belarus does not have the opportunity.
Such cases are settled by the legislation of the Republic of Belarus, in particular, by the Resolution of the Board of the National Bank of the Republic of Belarus of July 9, 2009 No. 101 "On the conduct of foreign trade operations", according to which the work date (provision of services, receipt or transfer of protected information, exceptional rights to results Intellectual activity) In cases not providing for signatures by the Parties to the foreign trade agreement, acts of work provided, services rendered, other similar documents, is considered to be the date:
Payment of obligations of one of the parties specified in the payment instruction or cash desk;
Putting one of the parties of the account, invoices;
Compiling mail receipt, courier receipt;
Issuing certificate (certificate, certificate, diploma) on education (assigning qualifications, receipt of the specialty);
Holding a cultural or sporting event specified in the ticket;
Signing a concession agreement (transfer) of rights to the results of intellectual activity, license agreement.
Thus, when using Payoneer Inc. Residents of the Republic of Belarus must still pay attention and monitor the deadlines for the completion of foreign trade operations under the contracts concluded.
In conclusion, we want to note that the use of the Payoneer system on the territory of the Republic of Belarus does not cause such a significant list of unresolved issues, as it may seem at first glance, and therefore, they are not afraid of using this system.
The company "The best lawyer" is consulted on issues arising from the Payoneer payment system. The indisputable plus of our company is the possibility of immediate connection with representatives of Payoneer Inc. To get a response to the question of interest.
The number of customers of the American company Payoneer has already exceeded three million and most of them live in developing countries incl. Russia, Ukraine, Kazakhstan. PAYONEER allows them almost in real time. receive payments from American and European companies Payment cards Payoneer MasterCard. Of course, both active and potential users of Payoneer in these countries periodically arise questions, the answers to which, sometimes, even the Russian-speaking service support service can not be given. But the thinnest nuances are well known to experienced users. All the information we tried to collect in this article and arrange in the form of answers to "Frequently Asked Questions".
What is a payoneer?
Why do I need a payoneer?
This service is for convenient and quick payments primarily from hundreds of American and European companies. Freelance (all popular stock exchanges and photobanks), e-commerce, affiliate marketing (Amazon) and even vacation rental (Airbnb). The funds received are available on the map immediately.
What is a payoneer?
This is an American financial company. The number of Payoneer Inc customers is already more than 3 million people. To date, the company works with residents of more than 200 tons, supporting 150 national currencies.
What services does Payoneer provide?
1. Global Payment service - receiving payments in dollars, euros, pounds, yuan and yen with crediting on the account balance and issued MasterCard debit cards.
2. The withdrawal of funds received to the account at the local bank.
3. Translations between Payoneer account holders. You can send a payment quickly and free to send any user registered in the system.
4. Comprehensive payment solution - you can pay your employees all over the world using Payoneer.
I already have a bank card, why do I need a payoneer?
On a map of the Russian, Ukrainian bank, the company from the USA or the EU will most likely send you. You will not even be able to provide data to transfer to the usual form (Routing, BIC, IBAN, etc.).
When traveling abroad, can I use the card?
Yes, this is a convenient tool for traveling and receiving funds anywhere in the planet. Freelancers who raise on the creative nature of the profession and are often traveling, living in search of inspiration in one country, then a payoneer is very valued for the fact that it is not necessary to go to the bank every time, to deal with any extra paper matters. Also, Payoneer cards are the best friends of photographers who travel around the world and sell their work on the photos.
How is the use of Payoneer services from the point of view of the law?
Payoneer transmits data to the tax service?
As a US company payoneer not anywhere Information about customers from other countries. Your local tax authorities can only receive information in one case - if you yourself announce the amounts received at the expense in a foreign bank.
I am a beginner freelancer, I need a payoneer card?
Ask three million of those who already use her. Of course, you need when the moment comes to get payment - the tool must be at hand. And get the card - this is not three days. While it will be made while they will be sent until you get it a month. And if you need a map in euros, then two. Therefore, it will not be too much. Yes, and it is more pleasant to work when you can get earned at any time.
Is it really possible to receive funds from foreign companies?
Well, if you have not come across personal commercial checks, which are often lost in the post office, and the procedure for their collection (cash) takes at least a month ... If you did not have to pay 20-30 dollars for re-sending a lost check, if you did not spend in the bank 2 hours idle in line. If the bank has not rejected the expensive translation of Wire Transfer to your bank account, demanding a contract. If from the tax you did not receive kind invitations - then probably getting a honestly earned problem from abroad and small. Payoneer will give you freedom from in him and will allow you to do business, and not to translate time
Registration and receipt of MasterCard card
What is it necessary to register with the client of the company?
In which currencies can you open a map?
In US dollars and euros.
How is the receipt and activation of the card?
After registration, your data is tested. And if it passed successfully, the card is made and sent at the specified address in the mail envelope. After receiving, you go to your account, activate it, choose and immediately, online, install the PIN code.
I live in Russia, why did I immediately demand the local bank account data?
How can I get a $ 25 bonus for registration?
To get a bonus, you need to register on a special link, get a map, activate it, and $ 25 will be automatically credited with your account as soon as the total amount of payments received will reach $ 100. The limits of time the action is not limited.
What name and surname will be indicated on the released Payoneer cards?
The account holder will be indicated. You cannot change this data.
Is it possible to immediately order a map in the euro?
No, Payoneer requires you to first get a card in dollars, and then, additionally ordered a map in euros.
Receiving funds, US / EU Payment Service
The map is activated, whether something else is required to receive payments?
Yes, to obtain payments from American or European companies, you need to activate US / EU Payment Service. This is a simple procedure, in your account, select the appropriate item and follow the instructions. You will be asked to apply and download several copies of documents confirming personality. You can simply take a picture of the passport or driver's license for the phone.
How do I activate the US / EU Payment Service service?
After you have received and successfully activated the payment card, you must submit an application for connecting the payment service to the Payoneer. This US service is called (for a card in dollars) or EU (for a card in euro) Payment service. You can go to activation immediately by logging at the site and choosing the service in the Getting Menu.
In essence, it is simple and free formality. However, until it is completed to receive payments, it is impossible, even access to details is closed. You will be asked to fill out a small form and download copies of some documents. Then they will be checked and within 1-2 days will notify a letter connected. The choice is offered: passport, civil passport, driver's license. You can simply take a picture of the document on the smartphone camera, send to a computer and upload photos on the Payoneer website.
Once the connection service is activated - you will get access to the page with bank details that can be used to receive payment.
Where can I find details for payment?
In your account, go to the "Getting" section and select the US Payment Service, respectively or EU Payment Service (euro payment).
Screenshot from Payoneer.com
On the page you will find details for payment.
Screenshot from Payoneer.com
How can I find out if you can get a payment from the company with which I cooperate on the Payoneer card?
You do not need to report something about Payoneer, although you can do it, because Many know this service well. You simply report bank details at the US bank or the EU and you translate funds.
What is a payment request? Why do you need it?
This is a convenient tool that allows you to send your counterparty all the data for payment directly from the Payoneer account. Or you can simply copy them and independently contribute to your data on the company's website - the payment sender. As an option simply send them to email.
It is not particularly used to use it, since it is almost always necessary to independently enter payment details in their profile. To obtain payments, use the "request" is completely optional.
How can I find out Billing Address for a Payoneer card?
For payments online, you will need Billing Address (the address of the payer), which is the address that you indicated when making a map. You can find it at any time in your account.
Go: Settings -\u003e Watch Account Address
Screenshot from Payoneer.com
What payments can I get on the Payoneer MasterCard card in dollars?
On a Payoneer card, nominated in US dollars, you can receive payments from American companies through ACH (Automated Clearing House) / US Direct Deposit. This bank transfer system is most popular in the USA, because The cost of sending and means is low, and payments are credited very quickly.
What payments can I get on the map Payoneer MasterCard in the euro?
The card in the euro can receive payments sent by European companies through the SEPA - an intra-European bank transfer system, as well as Wire Transfer payments in euros from around the world.
Does Payoneer work with Wire Transfer international payments?
Payment Wire Transfer can be obtained only in the euro on a map of Payoneer MasterCard nominated in euros. You cannot receive Wire Transfer nominated in US dollars to get Wire Transfer, the translation will be rejected by the system and return to the sender.
Are the funds sent automatically sent to the card currency?
No, only euros or dollars on the appropriate map. If the currency does not match, the system will dismiss the incoming payment and it will return the sender.
Withdrawal, payment of goods and cash issuance
Is it possible to withdraw funds from the payoneer card to a bank account?
It depends on the country of residence. In some countries, in particular the Russian Federation, such a service is available. Application request can be issued from your account. If the button is missing the button, then there is no output option for your country. The withdrawal of funds to the account in the bank is not the most popular way to obtain funds. Not only is the bank will take 1% for the issuance of cash, so also when receiving large sums will give data to the tax authorities. It is easier to receive funds through an ATM.
Are there any ATMs, banks and terminals accept payoneer maps?
Absolutely all of where to pay for MasterCard card.
Is it possible to make purchases on credit with a Payoneer card?
No, Payoneer MasterCard, both in dollars and in euro is debit cards. Operations on them are possible only within the balance of the balance on the balance sheet.
Payoneer account in dollars is Checking or Savings Account?
This is Checking Account.
Can you pay for goods and services in any currency?
Yes, completely in any. Tools are converted by MasterCard automatically.
In which ATM to make money?
Perfectly in any. But it is better to do in ATMs of large banks that are related to international banking groups. The fact is that they all convert funds at MasterCard. Small local banks love to add their incomprehensible commissions. In Russia, it is Raiffeisenbank, UniCredit Bank, Citibank, in Ukraine Raiffeisen Aval, UkrSibbank, Belarus - Pri'orbank,
Is it possible to choose the center of conversion when removing the means?
Yes, some banks offer to make a choice between the bank itself or MasterCard. If there is such a choice, then it is logical to choose the latter. Look carefully what an ATM offers you.
Is it possible to get cash euro or dollars?
Sure you may. But it all depends on the country where you are and an ATM with which you have. If there are no restrictions on the issuance of currency in the country, then you will easily get your money. But, in some countries, there are specific rules that limit currency transactions. For example, on the territory of Ukraine, you can only withdraw only national currency.
Is there a limit on issuing cash from Payoneer cards?
Payoneer limits the issuance of cash of $ 5,000 per day. This is indicated in the PAYONEER Personal Account in the "Rules and Conditions" section. But banks, as a rule, have their own, tighter frames. In any case, the ATM limits the amount of 40 bills to the maximum.
Check the bank limit can only be experienced, because Often the support service is incompetent regarding the issues regarding work with foreign cards.
Where can I get MasterCard Conversion Courses?
On the company's website, the conversion courses are updated daily, approximately 21.00 Moscow time.
At what rate funds will be written off from the Payoneer card?
If you use the bank conversion, then at the rate at the time of removal. If the MasterCard conversion is used, the means will spike at the rate at the time of closing the transaction. It may be 1-3 days. Therefore, be careful in the days when the course is unstable.
It turns out to remove the funds from the payoneer cards unprofitable?
Little amounts, given the commission, to take really not very profitable. In this case, it is better to just pay the card. Try if you take off the tools to do it one, the maximum large transaction. ATMs of which banks offer the most profitable conditions at the current time can be on the Official PAYONEER official support forum. For Ukraine, for example, there is an unofficial payoneer calculator, which allows you to immediately calculate the amount that is issued.
Those. When paying in the store, I have to pay attention to which bank belongs to the terminal?
If you want to get the most favorable conditions - then yes. Believe me, it will take quite a bit of time and you will know several banks with the most acceptable tariffs, as well as banks with which it is better not to get involved.
What is the card payment mechanism, payoneer?
The same as the card of any other bank. Facilities are first blocked on the score (they can be seen in preliminary transactions), then they are written off.
What recommendations can you give an ATM selection for cash withdrawal?
It should be a large bank ATM, which belongs to the well-known international group. The ATM should be not on the street, but in the bank branch, in a large store or office center. The fact is that an ATM physically cannot issue more than 40 bills per surgery. And banknotes of a major nominal in single ATMs on deserted streets are usually not loaded.
The operation in the store / ATM does not pass, although in the account of the funds in principle enough.
So somewhere you calculate. Apparently, the commission and / or conversion goes through another, less profitable scenario. Try a smaller amount.
Is it possible to withdraw funds from Payoneer to a bank account open in my country?
This service is available, but not in all countries and banks. For example, the Payoneer service from Ukraine from Ukraine can recently remove funds from their accounts in Ukrainian PrivatBank. However, money is credited exclusively in national currency, hryvnia, based on the average market. The minimum amount to the output is $ 200. Commission PayOnner for conversion is 2%, on the part of PrivatBank, there is no commission for enrollment. However, there is a standard commission 1% for cash issuance (without commission in the case of using a card "for payments").
Payoneer tariffs
How much is the registration and release of the card?
It's free. Annual service will cost $ 29.95, which will be removed in a year only with funds on the map. If there are no available funds on the balance, then the system will write them only when admission.
Do I need to pay for a reissue when the card expires?
Carting cards, including shipping cost will cost $ 12.95.
Where to find out Payoneer tariffs for operations?
In the Account in the "Help" section there is the Tariffs tab. Please note that tariffs for cards in dollars and euros are different.
Screenshot from Payoneer.com
The main commissions are only three (for one operation):
- Payment for removing money in ATM ($ 3.15).
- Commission for failure to issue cash ($ 1).
- Commission for a balance request through an ATM ($ 1).
The Commission of the PAYONEER can be added to the Bank's Board of the Services of which you use.
Is there a fee for enrolling the sent funds to my account payoneer?
Commission for crediting payments received by US / EU Paymenttenance service 1% From the sum of translation.
When paying purchases in ordinary or online stores, does Payoneer take a commission?
No, in this case, the Commission is not submitted. But when paying for goods with the help of a terminal in local currency, remember that conversion is carried out at the rate of the bank - the owner of the terminal. And the course may not always be advantageous. Therefore, if you plan to buy time from in one trading point (for example, a shop near the house), it makes sense to make a trial purchase. Then at home you can check the course in the discharge on the map.
Payoneer and Paypal.
Does Payoneer work with PayPal?
Yes, you can use to work with PayPal as a card in dollars and in euros. Just make sure that your bank is installed as a center of conversion, and not PayPal. Otherwise, you risk running into conversion even if the transaction currency does not differ from the card currency.
Is it possible to output funds with PayPal account on a Payoneer card?
Only if PayPal's policy in your country allows the withdrawal from the account balance on the MasterCard card of foreign banks. In the Russian Federation, the PAYPAL conclusion is allowed only to bank accounts of Russian banks with conversion in rubles. In Kazakhstan, Moldova and Georgia for this purpose, an exclusively Visa card is needed, in Ukraine the reception of PayPal is currently closed.
Helpful information
What if you are lost?
Immediately contact customer service. They are asked for prompt a telephone mode, but this can be done using email, and even better live chat. Remember the card number optional, it is in your account. Call is also very simple, the room is free, i.e. Skype Even with a zero balance without problems, it will drop it. Then wait for the operator's response and ask to connect you with Russian-speaking support ( Could I Ask You to Switch My Call to Russian-Speaking Operator?). Although calling your name and surname in English, and then report " My Payoneer Card In Us Dollars Has Been Stolen"- You don't need a special mind. After blocking, the lost or stolen map will have to be reassured. Many questions we lit in the article" How to call into foreign online stores. "
If unauthorized transactions appeared on the map?
Immediately report them to support support. The card will be blocked, you will send a new one. The support service will then send you a simple form for protesting an unauthorized transaction. It will need to fill, take a picture and send back. It falls into a special Department of MasterCard and if the operation is recognized as fraudulent (and usually it is this way), the funds will compete in full.
Is it possible to close the card?
At any time you can send the support service request to closing the map. You can remove the balance of funds from it in an ATM.
If I have questions where to contact me?
The company has a full-fledged incl. Russian-language support service. To ask the answer to the answer to which you will not find, go from your account to the "Support Center", select a language and ask a question.
Screenshot from Payoneer.com
At your service both e-mail and lively chat, as well as a phone call. There you will find a link to the forum.
Where can I find the latest information about the work of Payoneer in Russia, Ukraine and other countries?
All the most relevant information about banks, ATMs, commissions and other available on the Payoneer forum, where, after registration, you can ask a question in Russian to official representatives of the company.
In particular, pay attention to the following topics.
Screenshot from Payoneer.com
In this article, I will talk about the main advantages of this card, as well as the shortcomings and will give some lifehaki to reduce these flaws.
The main advantages and capabilities of the Payoneer card (pluses):
- Map Pioneer Debit.
Unlike credit cards, it will not be debts, since you can spend only your money.
- MapPayoneer has a dollar bill.
Most microstoxers and freelancers working with foreign companies receive payment in dollars from major foreign companies.
With the current drop in the ruble exchange rate and the absence of the possibility of receiving payment on the cards and accounts of Russian banks (as well as PayPal, etc.) in the currency other than RUB, it is very convenient. You can not only keep funds in dollars on the map itself, but also to shoot and open dollar deposits, deposits in other banks.
- Conclusion of money on the accounts of Russian banks.
If necessary, you can withdraw money from the card to your bank account in the Russian bank, but note that in connection with the peculiarities of Russian legislation, you can only get them in rubles, i.e. Currency conversion will be made.
- taxation
Data on your card and the movement of cash on it by Payoneer to the tax authorities do not indulge.
Despite the fact that under the legislation of the Russian Federation, individuals are obliged to transfer to tax information on open bank accounts abroad, you do not need to file information about this account in the tax authorities, as it is made not in your name, but on Payoneer. On this account there are money for all users, and the necessary part is simply fixed behind your account.
You can also make payment for purchases and services on the Internet. The card takes all major online stores (for example: Aliexpress, Amazon, eBay, etc.), payment systems work with it (PayPal, Skrill and others).
- Card Protection and Technical Support
Payoneer uses only the highest standards in the field of security, user privacy, information protection.
- sMS-Alert Operations on Card Operations
Compensate this drawback helps the PAYONEER application on the phone, in which you can control the movement of funds on the map wherever you are, as well as operational round-the-clock Russian-speaking technical support.
- restriction on the number of funds on the map - $ 10,000
The maximum balance of the card account is $ 10,000. All money over this limit is on the virtual balance in your account and as needed to be transferred to the card.
But I do not advise you to store such amounts on the map, it is much better to periodically shoot and invest in deposits or other profitable events.
- daily removal limit
Like most bank cards and payment systems, Payoneer has a restriction on removing money through an ATM is no more than $ 2500 or 10 cash withdrawals per day through an ATM.
If you need a big amount of money to a definite period - to take care in advance to shoot every day at $ 2500.
- the card can be blocked if there was no transaction for 6 months
Work on foreign freelance stock exchanges, as well as with customers living in other countries, directly, is always associated with a number of difficulties. First of all, financial nature. Since it is necessary to resolve the issue immediately for yourself how to make money earned as efficient and safely and safely. The decision suggested itself: it was necessary to create a banking product that would solve the daily tasks of freelancers around the world. So, in 2005, the Payoneer payment service appeared (in Russian it is often called the "pioneer" or "Pyonir").
The payment system "Pioneer" more than 2000 partnerin all over the world, which pay directly at the expense of the card!
Currently, the bank card from Paoneer is a universal payment agent that allows the process of paying funds earned as quickly as possible. Plastic can be used to remove money worldwide in any ATM. In addition, it can be paid in ordinary stores and on the Internet. For the freelancers of Russia, such a decision is a real find, since it allows you to receive payments from American companies directly, as well as to work with the largest freelance framework of the planet. At the same time, there is no need to report to the state about the presence of a contribution abroad. The only minus - the Commission, but they can be leveled, since earnings abroad are usually significantly higher, and this circumstance will allow you to repel most of the cost of service.
These are commissions for the operation of replenishment only from the Payoneer payment system (they will be written off from the recipient of money).
In Payoneer implemented a cool opportunity to list you for payment for your work - the possibility bill. This account can be sent, for example, by e-mail to the customer or employer. It can be both companies and individuals.
How to replenish Payoneer through payment of the invoice (the customer chooses the most optimal option for him from the proposed):
- from a bank card ( commission 3% , Limit 2000$ For the operation);
- translating from the account in your bank via Global Payments Service ( no commission for EUR (SEPA transfers), and for USD (ACH transfers) it is 1% , no limits);
- electronic check ( for US residents - 1% and limit 5000$ For the operation).
You can also pay any service to the provider or customer directly from Payoneer by selecting the option " Make a payment (make a payment)"By specifying his e-mail as a recipient, even if the recipient has no account in Payoneer. After registration, he will receive this payment. This transaction will be without commission.
What is Global Payment Service?
For translations from the USA
If earlier interaction with the payment system was carried out directly through partners of the company, because only they had the opportunity to replenish prepaid debit cards Payoneer, then with the service connection US Payment Service. (As already mentioned a little higher) in 2012, you can now receive payments from any American company. Now they simply simply send money to local bank payment through the system. ACH (Automated Clearing House)- The largest US Clearing System.
Global Payment Service System
Global Payment Service.: At the expense of $ - ACH-translation (US Interbank), an account in euro - sepa-translation (in euro).
Expanded the opportunity US Payment Service.. Significantly increased the geography of partners. Now the money on Payoneer can be obtained in Euro (EUR) through Sepa (Single Euro Payments Area) from partners from the European Union and the European Economic Space Zone (34 countries), from Great Britain and Ireland to Pounds Sterling (GBR) on BACS and FPS, Japan - in Yenah (JPY) on Zengin. Since 2018, it has also been possible to receive money on the Chinese Advanced Payment System (China National Advanced Payment System) and in Canadian dollars through Canada's banks by EFT (Electronic Funds Transfer). In Australia - by Becs (Bulk Electronic Clearing System). The service is actively developing - in the near future they promise more currencies and opportunities.
As part of this feature, you can also make an additional card for calculations. In Euro. To carry out such a trick: Ask the Support service, ask you to receive payments in the euro. And when on your Euro score will be more than 50 EURthen a button will appear in the personal account Order Cardon which you can order an additional prepaid card Payoneer EUR.
It is important to note that local payment services of countries are used to carry out transfers, which avoids the use of the more expensive international Wire system. As a result, there is a significant savings on the Commission.
To place an account and payment, enough from the personal account to generate a payment order and send it to a partner. It must be legal face. Transfers for such a scheme between individuals are prohibited.
If you do not have this option and it is limited - write to Payoneer support to include this functionality. The system is the same - you are given a bank account data that you can translate money. This account does not personally belong to you, but is associated with your account. He is common to all. All money received is distributed on functional purpose and are credited to the account of the payment recipient.
Payoneer and taxes in Russia
In ATM ATMs and Alpha Bank, it is more profitable to remove rubles with Payoneer!
In this case, we recommend looking for ATMs from VTB Bank, which allow you to shoot up to 100 000 rubles With "Funny Maps" for the transaction. In the comments, people write that Raiffeisen ATMs can issue 150 000 rubles (not checked!). Also, judging by the reviews, Rubles in their ATMs on the Payoneer map can give you "Alpha Bank" ( from 200,000 to 450 000 rubles Depending on the model of an ATM).
There is also information that since October 2017 up to 200 000 rubles can be removed in ATMs " Tinkoff Bank"(Moscow). Money removal operation in rubles is carried out without commission. There is also information that in the "Opening" and "Promsvyazbank" can be removed up to 200 000 rubles.
For comparison (cash limits with "other people's cards" in the ATMs of other banks):
- Post Bank - up to 50,000 rubles per surgery;
- Map directly Top up it is impossible (C2C replenishment is impossible).
- You can invoice for payment Specific person or company, send a link to it or email to get a payment directly in different ways for the paying side: banking check (in USA), bank card (commission 3%, limit 2000 $ per transaction) or translation from a bank account Through Global Payment System ( commission 1% in USD, EUR - 0%).
- You can "pull out" from the card money, but only from those services for which it is not critical no 3DSecure By "Pioner". The Payoneer card will be carried out as a regular purchase of a card, not counting the Commission of third-party services.
- Transfer of money from one Payoneer card to another (may not be supported if there are restrictions on a partner or if the funds did not receive a standard for it for it). The option is not immediately available, but after receiving payments "in the traditional way".
- Private replenishment of PAIONER cards (bank cards of Russian banks can be used here. All operations are undergoing careful control, it is possible to refuse to carry out payment (especially if it has not been replenished with a standard one for it - through partners or US Payment Service). The commission fee is 3,75% And it can be kept both from the sender and from the recipient.
- Replenish bankslocated in the CIS, including through payment systems it is impossible (including through SWIFT). Nevertheless through the system US Payment Service (Entering data for ACH)you can replenish Payoneer Balance via Skrill, Paypal and other services. In this case, the Standard Commission for ACH is taken equal to 1% of the transfer amount. For SEPA, BACS and Zengin Commission not charged.
- You can receive money from any company registered in the United States, Great Britain, Japan and the European Union (Euro Zone) Global Payment Service.Commissions are the same, which is indicated by paragraph above.
- You can release in addition to the main map in dollars and map with currency euro. To do this, you need to request from supporting the opportunity to accept payments in the euro. After that, an item will also appear with the conversion of one currency to another in the section " Currency management«.
- You you can not tie a map payoneer to PayPal.registered by russian resident.
- SMS-information No, but you can download the official app from Google Play and AppStore to your gadget and follow the balance.
- In stores or the Internet, you can pay anything map for no more than 9 times. Common limit of $ 2500 (on purchases and removing money).
- Means with Payoneer can replenish bank cards. For example, through the service MoneySend.. The card supports "pulling out" (that is, an outgoing transaction: you can carry out the operation in the personal account of your bank, to which you want to receive a means).
- The debit of Payoneer can be blocked if no transaction will be held on it for 6 months
The AdvCash system can be released both physical and virtual cards. And even tie them to Google Pay, Samsung Pay. Cards S. free service (fee for release only).
Various ways of replenishing and outputing money from Payoneer card. Relevance: 2018.
You can withdraw money from your account (not available at all!) on a bank account in Russia. The operation will be carried out in rubles. Commission: 2%. Interbank payment (from Russian partner banks). At the moment, payments in dollars in Russian banks are not produced. Money come from " Kiwi Bank»With a commentary for Provided Services From Amazon.com, Inc. Private translation, without VAT.
You can receive money on the payoneer, just setting an account (button " Request payment"). At the same time, the customer will not need to even be registered in Payoneer, he will have many opportunities to pay your services or goods (by means of a payment card, bank payment or electronic check).
Associated with the arrival of PayPal to Belarus, another way to be attached to the international market and withdraw money earned on the freelanse. Of course, there is a desire to work honestly and pay taxes in order to avoid all difficulties with the law. However, after a short discussion with familiar Aytichniki, I realized that none of them possessed the full picture. Someone says that it is necessary to enter into acts for every fact of work and almost send checks by mail to customers from abroad, someone says that this is called "income from abroad" and this is generally a separate compote, which It just scored and displays everything over.
For seed, I will give your example with Odesk:
I did not sometimes work through Odesk. In the account of Odesk, some amount of money, which I would like to get on my hands was already accumulated. Odesk offers several ways that are available in Belarus:
- Payoneer: We order a card directly on the Payoneer website, confirm your personality scan of a passport and wait until the card comes by mail. Card costs $ 30 per year + Commission for each removal in the $ 3 area. Money can be removed in any ATM with Maestro maps support.
- PayPal: From day to day, it will be possible to tie a card of any Belarusian bank to PayPal and drive the finances there and here (as I understand it). One-time removal with PayPal in Lithuania, for example, stands in the $ 3 area, so you can hope that the price will be a similar price. TOTAL: Card per year from $ 0 per year + Commission for removal of ~ $ 3. Money can be removed in any ATM, where your card is served.
The above refers only directly to the issue of output funds, however, there is still such aspect as taxes. I would like to work legally, therefore, in any case, you need to open an IP and follow some of the schemes of tax. Most adhere to two:
- Simplified: Pay 5% of revenue.
- Single tax: At the moment you pay in the area of \u200b\u200b600K BYR per month, regardless of income.
And here the circus begins: everyone in one voice says that it will not work out everything, it will not work out that the tax will still find something to complain. We share successful, and even better unsuccessful experience, gentlemen!
PS: If the text describes some aspect incorrectly, Velkov in the comments, I correct.
PPS: I understand that not quite a habra format, but the maximum target audience is here.