Finance

How to Accept Payments for Online Consultations: All Methods for 2026

· 10 min read

"Transfer to my card" — this is how most new consultants accept payments. It's convenient, but risky: your bank might block your card for regular incoming transfers, and the tax authorities might inquire about the source of your income.

In 2026, there are convenient and legal ways to accept payments for consultations. Let's explore each one.

Why bank transfers are a bad idea

  • Your bank may block your card for regular transfers from different people
  • No fiscal document — the client cannot confirm payment
  • Tax authorities may assess 13% income tax + penalties
  • Looks unprofessional to the client

Payment methods for consultants

1. Internet Acquiring

The client pays by bank card through a secure form on your page. Commission is 2–3.5%. This is the most professional method.

2. FPS (Faster Payments System)

Payment via QR code or link. Commission for sole proprietors is 0.4–0.7%. For self-employed individuals — through partner banks.

3. Payment Platforms

Platforms like Geniuz.io integrate payment processing into the booking process. The client books and pays in one seamless flow — no separate transfers needed.

Online Acquiring for Experts

Connecting acquiring directly through a bank requires a sole proprietorship (SP) or a limited liability company (LLC). For self-employed individuals, intermediary platforms are available that handle all technical and legal aspects.

FPS — QR Code Payment

The Faster Payments System is the cheapest way to accept payments. Funds are received instantly, and the commission is minimal. Suitable for sole proprietors and self-employed individuals.

Prepayment vs. Postpayment

Prepayment at the time of booking reduces no-shows by 70–80%. A client who pays upfront almost always attends. Recommended for new clients.

Postpayment is acceptable for regular clients with a good history. However, even in this case, it's better to use online payment rather than cash transfers.

Packages and Subscriptions

Package deals (4, 8, 12 sessions) are beneficial for both you and your client. The client receives a discount, and you have predictable income.

Start accepting payments professionally. On Geniuz.io — payment is integrated into booking, and receipts are generated automatically.

Connect Payments →

Frequently asked questions

What is the commission for accepting payments through a platform?

The commission depends on the platform and payment method. Usually 2–4% of the transaction amount. On Geniuz.io, the commission is included in the subscription cost.

Can I accept cash payments?

Cash payments are not relevant for online consultations. For in-person consultations, they are possible, but with a mandatory receipt for self-employed individuals and sole proprietors.

How do I process a refund for a client?

Through the payment system you are using. On platforms, returns are processed in a couple of clicks. Outline your refund policy on your page.

Is it mandatory to issue a receipt?

Yes, for self-employed individuals and sole proprietors. Self-employed individuals generate receipts through "My Tax," and sole proprietors use an online cash register or a platform.