[CONTRACTOR COMPLIANCE]

Less compliance risk. Less paperwork.

Ruul contracts with each contractor, collects their tax forms and issues a business-ready invoice for every payment.

No setup cost · No monthly fees

4.9 out of 5 See reviews on G2

Trusted by thousands of teams & organisations

Featured organization logos include United Nations, McKinsey, Toyota, Sotheby's, Klarna, Chanel, KPMG, and MIT.

[I] THE FOUR PARTS

Contractor compliance comes down to four parts.

[II] WHEN CHECKS RUN

Every check, before money moves.

You add the contractor, and the checks are on them and on Ruul: there’s no form for your company to fill in.

  1. You Add a contractor Ruul sends them an invitation to set up their own account. Invited
  2. Your contractor They verify their identity An ID document and a selfie. Most results come back within 10 to 15 minutes. Approved
  3. Your contractor They add a payout account Once their verification is approved, payouts can reach them. Ready to Payout
  4. Ruul Your first payment Ruul checks your company details against its official registration (KYB), which can make a first payment take longer.
  5. Ruul From then on Checks may be re-run as needed for ongoing monitoring.

[III] TAX FORMS

Which tax form applies to whom.

What applies depends on your contractor’s tax status and where they are based, and the platform guides you to the right form when it’s needed.

This is general guidance, not tax or legal advice.

Where is your contractor based?

In the US
  • W-9 For US contractors
  • 1099 Documentation for US reporting, where applicable
Outside the US
  • W-8 For non-US contractors, when requested

Ruul stores and manages them with the contractor’s record.

[IV] WHO HANDLES WHAT

Who handles each part of compliance.

Ruul Your company Your contractor
A contract with each contractor, as the legal counterparty Ruul Ruul
Identity and AML checks Ruul Ruul
Business verification (KYB) Ruul Ruul
Tax forms (W-9, W-8, 1099 where applicable) Ruul Ruul
A business-ready invoice for every payment Ruul Ruul
Who you work with, the scope, the rate and approvals Your company Your company
Your company’s own taxes Your company Your company
Their own income tax Your contractor Your contractor

[V] RECORDS

Every payment, on record.

Contracts and tax forms are collected when you onboard a contractor, and each payment keeps its invoice, receipts and supporting files. Export your records for reconciliation and month‑end close.

Maria Gómez Contractor
Collected at onboarding
Contract With Ruul
Identity KYC and AML checks Approved
Tax form W-8
Product design · $5,200 Paid
Tied to this payment
Invoice #R-2042 from Ruul Inc.
Receipt Payment receipt
Export records

[VI] TRUST

Trusted by the people who pay.

4.9 out of 5

See reviews on G2

  • “I am glad I found Ruul to make payments to my freelancers from 3 different continents.”

    Ellie L. Client · France · Jul 2023

  • “Perfect service, I recommend for everyone with remote contractors.”

    O. Dogan Client · United Kingdom · Jan 2023

  • “Their service makes my life easier and I’ve never had trust issues with them.”

    Anne Peters Client · Netherlands · Jun 2023

  • “In general, I recommend any new freelancer that I am working with to use Ruul.”

    U. Lacin Client · Sweden · Aug 2026

Selected reviews from Trustpilot, written by clients. Read all reviews

[VII] FAQ

Your questions about compliance.

Beta Ruul AI can make mistakes. Check the articles it links.

What businesses ask about contractor compliance

  • Ruul reduces compliance risk by acting as the Contractor of Record. Ruul contracts directly with contractors and invoices your business as the legal counterparty, which helps lower misclassification risk. Built-in checks and automated paperwork also keep onboarding and payments consistent and well documented.

  • A Contractor of Record stands between your company and your independent contractors. With Ruul as your Contractor of Record, Ruul contracts with each contractor, invoices your company, collects your payment, and pays the contractor out. Your company deals with one counterparty and gets a business-ready invoice for every payment, instead of separate contracts, invoices, and cross-border transfers for each contractor.

  • Ruul runs built-in KYC and AML checks for contractors, and KYB checks for businesses to help protect platform integrity. Checks are completed during onboarding and may be re-run as needed for ongoing monitoring and risk prevention.

  • Yes. Ruul checks your company details against its official registration around your first payment, using the details already on your account. There is no form to fill in, and Ruul may ask for extra documents.

  • No. Your contractors declare and pay their own income tax where they live, and your company remains responsible for its own taxes.

  • Yes. They set up their account from your invite, verify their identity and add a payout account. You can create a payment before that; it reaches them once they're set up.

Visit the Help Center

[VIII] RELATED ARTICLES

Guides on contractor compliance.

Contractor compliance checklist

Read more

Contractor compliance (IR35)

Read more

Contractor misclassification risks

Read more

Contractor compliance (W-8BEN)

Read more

Independent contractor agreements

Read more