Comparing the output of Webmoney to Epayments, exchangers, accounts - or why I opened the IP

The subject of taxes worried me a long time, for some reason II wanted to pay them. Strange, yes? At the same time, I completely disagree with how they are spent in reality, therefore, in principle, I support those who do not pay them. Naturally, we are talking about ordinary people like me, and not about the owners of corporations and oligarchs of all kinds. They, as they did not pay, will not do it anyway. And all these conversations that arose here periodically in the comments on the blog, saying that freelancers do not pay parasites, nothing. Several years ago, I worked in a large construction company, and many of them received ZP in envelopes, and I was not officially employed at all. I think they still hide part of the taxes, and with them a tax for one day, as with me now for a whole year. In my opinion, freelancers of all sorts and small individual entrepreneurs should be touched as a last resort, let them first deal with large-minded people.

The content of the article

When to pay taxes

I have no idea how much it costsregister PI. Someone says that up to 15–20 thousand a month should not be worried, someone mentions 30-40 thousand, and some even consider that the sum is 100 thousand small, and nothing can be done. Indeed, I have not seen any precedents in Russia, so far I have not seen a single case on the forums (or have I found it easy?) For someone to start having problems because of such earnings. And those with whom they are high have long registered IP or went offshore. As they say, it is not beneficial to deal with people like us, and there are no resources, so for now everything is calm.

But it seems to me that sooner or laterthe Internet sphere will be taken over, the technologies do not stand still, the more different laws have been passed recently. For example, now a citizen of the Russian Federation must notify about the opening of a foreign account and also deposit money there only through a Russian bank (although they will be reviewing something now), otherwise a penalty of 100% on the transaction amount. And whether they are subject to a fine of a card like Epayments or not, who knows. A law on the national payment system was also adopted, and it simplified the issuance of information on transactions on private accounts. And the process, I think, is not over and the laws will be adopted further.

Comparison of withdrawal methods or why register PI

Comparison of withdrawal methods or why register PI

In general, since I do not own an insider and can onlyread the laws (not always understanding what is written there), read the forums, and draw some personal conclusions, it was easier for me to settle and generally stop thinking about all this. Moreover, as I said, I initially had a desire to pay taxes. I made this conclusion for myself - if you want to pay taxes and feel calmer, then you should do it. If you do not want, then you need to look for safe schemes or go offshore at high speeds (as I understand it, with low incomes, it does not pay off). I will not advise how to act.

It is worth noting that not all your questions youYou can find the answers in our legislation, it is still raw. Until now, it is impossible to say exactly how to legally withdraw money from Adsense (through Rapida), because a person enters an illegal business, and an individual entrepreneur gets to reduce taxation. Therefore, who decided for themselves, some pay 6%, others 13%. The same situation with the withdrawal of Webmoney, there are two main ways, and both of them are not entirely correct. It is also difficult to withdraw IP money from euro-partners when payment is made from a foreign person. In general, there is such an unspoken rule, do not shine the income that can not be confirmed primary documentation. And as you know, not every customer (talking about freelancing) wants to sign something, much less send it by mail. So, if you want to pay taxes, it’s still not a fact that you will succeed. :)

Comparison of various ways to withdraw money

One of the reasons that pushed me to IP registration, was a comparison of losses in various wayswithdrawal of funds. It can be a long time to guess what will be more profitable and what terrible taxes, so I just sat down and made a sign in Excel, where I calculated all the methods I know with all the commissions and conversions. Surprisingly it turned out that the withdrawal of money through the IP and paying 6% is in the upper part of my small rating, and for example, card epayments, which I also thought of as a non-payment withdrawal, are even a little less profitable for me.

Perhaps my calculation will still be useful to someone, even to those who are not going to register PI. Just remember, this is my specific situation! Here is the file itself, and below in order each item.

Initial data

Here are the average income from a blog and the main ways to get it. Accordingly, I proceeded from these amounts for analysis. Exchange rates are taken on the day of calculation.


Withdrawal through Epayments cards


When withdrawing money for epayments, all is neededGet money first on the WebMoney, then you can transfer it to WMZ, and then send it to the Epayments account. It is possible, and more recently, to overtake WMR, they added wadding rubles. But you have to look at what happens with the courses as a result, but it may be more profitable to change the WMR to WMZ in the exchanger initially, or even better immediately from affiliate programs in WMZ to receive.

The exception is the affiliate program Aviasales (theygenerally well done in terms of withdrawal options), they can pay directly to Epayments, and the partner’s earnings with this withdrawal method increase from 50% to 60%. With good money on airline tickets, this can play a big impact.

As I understand it, epayments is one ofthe safest ways of withdrawing in terms of taxes, because money goes only through webmoney and does not enter Russia at all. Plus, you do not even have a foreign account as such, these are some kind of virtual subaccounts, that is, it will be difficult to find you at all. Also Epayments is convenient for those who live abroad and for some reason do not want to open a foreign account.

But for those living in Russia and Ukraine, IIt seemed not very convenient. Firstly, people write that it is difficult to find dollar ATMs (it is more profitable to withdraw in dollars), secondly, very small withdrawal limits, that for dollars and rubles, and thirdly, some ATMs refuse to accept such cards at all. You also need to understand that today there is such a service, but not tomorrow, therefore such a card should be used only in the format: transferred money and immediately withdrawn, that is, not for storage.

Who is interested in this method of withdrawal, can readSearchengines, there is their official theme. And here is a specific comparison of Epayments and Payoneer in terms of profitability, based on personal experience of withdrawing funds from cards.

Withdrawing money through Payoneer cards


Tariffs for the withdrawal of webmoney

Similar cards, like Epayments, are only offered by the webmoney themselves for linking to the system. The withdrawal is done in the same way, WMZ are displayed on the Payoneer card.

On the Internet, there was already a comparison of these cards bycompared with Epayments, and I turned out according to calculations a similar situation. At the expense of any commissions, they are less beneficial. Plus, Aviasales will also have to be displayed first on the webmoney, which is 50% instead of 60%.

Conclusion to a foreign personal account


Tariffs for the withdrawal of webmoney on any card - 1.4% total. Commission for withdrawal to the account, floating.

This option can not be fullyI have considered, because I do not have foreign accounts. Plus, my main place of residence is Russia, where I am still most of the time, which means I need rubles. That is why in the table they appear. But if you live abroad all the time, then this option will probably be more beneficial, you need to look at specific situations.

Cash withdrawal through exchangers in cash


I always have a toad strangling pay exchangers at 3%for the conclusion. But, as it turned out, the exchangers come out on top of my ranking by profitability. Of course, if the exchanger is completely outraged in your city and takes, say, 5%, then the situation changes.

Cash out via exchangers is also considered onefrom safe options in terms of taxes, because again, you do not shine money anywhere. However, there is a risk, then the exchanger itself will light up your data, if you suddenly take it in one place. This was recently in Ukraine. Still perhaps many will not want to go and personally receive money in cash. Of course, now almost all exchangers make transfers to bank cards, but with large and regular amounts from a certain individual, will there ever arise any questions? Maybe it will not, I do not know ...

Withdrawing money to a personal account with payment of 13%


As an option, display everything from time to accounts with minimal fees. For example, webmoney can be withdrawn through the Guarantee Agency to any of your accounts with a commission of only 0.8%! Adsense through Rapida can also immediately pay to the account and in general without commissions. Aviasales withdraws to a bank account, increasing the partner’s earnings in this case from 50% to 60%.

This method is the most profitable of allbecause the commissions are minimal, but from also the most dangerous is obtained. All receipts to your bank accounts come from legal entities, which is not good, may someday be interested. And if you start paying income tax of 13%, then the way slides down to the bottom.

Withdrawal of money to the current account of individual entrepreneurs with payment of 6%


Well, finally, the last way I choseeventually. All funds without commissions are transferred immediately to my current account directly from affiliate programs. That is, I do not need to receive them on webmoney and then translate somewhere. With the income received on the settlement, I pay 6%, since I SP at the simplified tax system 6%. Everything is clear and understandable, the loss is exactly 6% (as it turned out, not the greatest losses) and I am white and fluffy.

I also put in a sign the expenses for the payment of My Business, whose accounting services I use, so that there is a clearer picture. But fixed contributions to the FIU not in the table, because with incomes above500-600 thousand per year, they can be ignored (!) Due to tax deductions. According to the link, everything is described in detail, and by the way, from 2014, the threshold will be only 300 thousand. So my annual loss is exactly 6%, not more.

Some moments

In all listed black output circuits, onlyAdsense with withdrawal through Rapida is the weakest link. Because Rapida payment system that complies with the law, and if necessary, it will merge all the data about you. That is, even if you are transferring to Webmoney from Rapida, then this does not mean anything, because you have already brought money to Rapida, and there your passport data are indicated ... But you can get with Adsense immediately to the currency account.

Specific commissions for each option in the articleI do not specify, but they are all in the calculation in the plate. If anyone is interested to get to the bottom of the essence, write in the comments, discuss. The main losses are WMR-WMZ conversion, Webmoney commission of 0.8% for withdrawal, service fee for withdrawal, commission for withdrawing a third-party bank from an ATM, WMZ-ruble conversion, Mastercard commission.

Pros and cons of IP registration

+ I sleep well
+ Conscience is clear
+ I get every right to scold the government :)
+ Small loss on withdrawal of money, consisting only in the payment of tax
+ My location does not play a role, that is, the status of tax residency (for non-residents of individuals, tax is not 13%, but as much as 30%!)
+ Easier apply for a Schengen visa

- It is necessary to sort things out once and spend a decent amount of time (My Instructions for registration of IP)
- There is paper work, although it can be minimized.
- There is a risk of a call to the tax when I am not in Russia, but is solved by a power of attorney for a verified person


Just want to say, this is my specific situation,my specific problems are the desire to pay taxes and some anxiety and fears. I counted, and I see that it is easier and more profitable for me to work in white. Of course, we must understand, we must conclude contracts, but for someone who earns through the Internet, it can be said a one-time action, once understood everything, set it up, and it works in almost automatic mode.

It may well be that I made a mistake somewhere,that I completely misrepresent the situation occurring in the tax sphere or something else. Therefore, I do not advise anyone anything, consider yourself, think and analyze.

P.S. If anyone else knows good withdrawal schemes, so that it is safe and there are fewer commissions, please write in the comments.

Life hacking 1 - how to buy a good insurance

Choosing insurance is now unrealistically difficult, so to help all travelers, I compile a rating. To do this, I constantly monitor forums, study insurance contracts and use insurance by myself.

Insurance Rating

Life hacking 2 - how to find a hotel 20% cheaper

First, choose a hotel on Booking. They have a good offer base, but the prices are NOT the best! The same hotel can often be found 20% cheaper in other systems through the RoomGuru service.

Discount hotels

Leave a reply