Accept payments as a self-employed professional without a cash register

You don't, and it is 100% legal. BZB acts as a payment agent: under 54-FZ (Article 1.2, paragraph 2), the obligation to use a cash register rests with the payment agent, not you. We fiscalize every payment on our own accredited registers and automatically send an electronic receipt to the buyer. You are fully exempt from the costs of buying a cash register, a fiscal storage device and an annual fiscal data operator contract.

Automatically, through direct integration with the Federal Tax Service API. Every successful sale is immediately recorded in your professional income tax profile in My Tax. You don't need to enter amounts or issue receipts manually. Tax (4% on payments from individuals and 6% from legal entities) is calculated automatically by the tax authority.

Banks block personal cards when they see dozens of irregular transfers from different individuals marked ‘for services’, ‘debt’ or with no description. With BZB, you receive official payouts from an accredited legal entity with a clear description: ‘Income payout under an agency agreement’. To the bank's security team, this is legitimate income fully supported by a contract.

Money is credited to your dashboard balance as soon as the customer's payment succeeds. Withdrawals to Russian bank cards are available at any time without hidden deductions or subscription fees. A single transparent rate of 5% applies only to completed sales.

Yes. The service is ideal for both the self-employed without sole proprietor status and sole proprietors using special tax regimes: professional income tax (NPD) or the simplified ‘Income’ tax regime (USN). All closing documents and transaction registers are generated automatically in your dashboard.

Yes. BZB supports international Visa, Mastercard and other cards from 150+ countries. Your customer abroad pays in their own currency, while your account is credited in rubles at the official exchange rate, without needing foreign currency accounts or currency control procedures.