YooMoney for self-employed individuals
YooMoney offers a user-friendly solution to sell on the website, in social networks, and messengers. Your customers will be able to select a suitable payment method and get a receipt. Money will be debited to your card and the receipts will be sent to the Tax Service
More convenient than regular payments and transfers
- Over 10 payment methods: cards, SberPay, FPS, T-Pay, YooMoney
- The payment form works automatically
- The Merchant Profile has analytics for all transactions and issued invoices
- Receipts are created and sent automatically: both to the Tax Service and to the customer
How much it costs
We'll charge a commission for each successful payment: it depends on the payment method used by the customer. If you enable sending receipts automatically, you'll need to pay additional 1.2% of the purchase amount for each receipt
Products with delivery
Digital products and services
Gaming content
YooMoney
Wallet and linked cards
3,5%
FPS
Payments via apps of banks, without entering the payment details
0,4%
but not more than 1,500 ₽
Banks cards
Issued in Russia and abroad (by partners of NSPK)
3,5%
SberPay
Payments via the SberBank Online app
3,5%
T-Pay
Payments via the T‑Bank app or website
3,8%
SoftPOS
Accepting payments with a smartphone: from bank cards and via Mir Pay
3,3%
Sending receipts automatically
For payments accepted using any method
1,2%
Benefits of acquiring for self-employed individuals from YooMoney
1
Quick and simple sign-up
Required documents are passport and INN (TIN), you can enter into the contract online, from one day
2
Different integration scenarios
Integrate YooMoney into your website using a payment module or API. Or issue invoices from the Merchant Profile without a website at all
3
Secured payments
We use only secure connections for the exchange of confidential information
4
Automatic payments
You can set up payments to be debited automatically and configure the schedule and amount. Suitable for those who sell content using subscriptions
5
Telegram bot for invoicing
To issue invoices in a few clicks in the familiar interface of the messenger app
Restrictions
You can receive up to 500,000 ₽ per month in payments via bank cards. Limits for other methods are different
Only individuals can make payments to you
You can have the self-employed status if your yearly income doesn't exceed 2,4 million ₽: it's required by the law
If you resell products, you won't be able to use YooMoney: the law doesn't allow self-employed individuals to resell products
Onboarding
Sign up for YooMoney
All you need is an email address, phone number, and your INN (TIN)
Enter into a contract
You can do it online: you'll need to send us a scanned copy of the signed contract
Install YooMoney on your website
Or start invoicing from the Merchant Profile: you don't even need a website to do that
Payment process overview
Via social media and messenger apps
On the website
1
You create an invoice in your YooMoney Merchant Profile and send it to the customer. The invoice is created as a link, text message, email, or QR code
2
Your customer gets redirected to the YooMoney payment form via the invoice and selects the payment method enabled by you
3
Once the payment goes through, you'll see a notification in the YooMoney Merchant Profile
FAQ
Yes, they do. You can enable the feature for sending receipts automatically in YooMoney, so you don't have to create receipts manually in the "Moi Nalog" service. We'll send the receipt to the customer right after the purchase is paid. You'll need to pay an additional 1.2% of the purchase amount for each receipt
Create an account in the Merchant Profile or YooMoney app. The account is created as a link, text message, email, or QR code. Customers can follow the link or scan the QR code which will redirect them to the payment form to select the payment method
- Individuals and sole proprietors who work for themselves without employers or employees can register as self-employed. However, there are a few exceptions: the full list can be found in the law on self-employed individuals.
- Tax rates for self-employed individuals: 4% for income from individuals and 6% for income from legal entities and sole proprietors. The annual income can't exceed 2.4 million ₽.
- A declaration is not required. If you enable the auto-sending of receipts, the receipt will be generated automatically after each sale. For each receipt, you will need to pay 1.2% of the purchase amount. Each month, the Tax Service will calculate the tax amount based on the generated receipts. No more reports.
- You can register as self-employed at the Tax Service via the Moi Nalog service
For example, via the Moi Nalog service, even if you registered via a different service
Self-employed individuals can:
- sell products (for example, custom ordered cakes),
- provide services (for example, manicure at your place),
- exercise property rights (for example, rent out an apartment).
There is no single separate list of allowed activities but there are restrictions: they're listed in Federal Law No. 422-FZ
Money is credited to the account within two business days
The information on this page regarding legislative regulation and requirements set towards those who use the special tax mode, the "Self-employed tax", is provided for reference only. "YooMoney", NBCO LLC, does not provide any guarantees that this information is up-to-date or exhaustive.