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EVERYTHING YOU NEED TO KNOW

What does Ruul do?

Ruul helps freelancers and independent contractors:

Invoice Clients: Create and send invoices without registering a business.

Receive Payments: Get paid directly into your bank account, Payoneer, or Binance account.

Quick Payouts: Enjoy fast payment processing.Legal Protection: Use fair service and non-disclosure agreements.

Who is Ruul for?

Ruul is for freelancers and independent contractors who want to manage their finances without running a company. It’s ideal for those working across borders or dealing with multiple currencies.

How does Ruul work?

Create Invoice: Enter client information and create the invoice.
Add Collection Account: Add a bank, Payoneer, or Binance account to collect payments.
Client Payment: Your client can make the payment via bank transfer or credit card using the payment link generated with the invoice.
Collect Your Payout: After your client’s payment is processed, we deduct our commission and transfer the remaining amount to your bank account.

Is there a subscription fee?

No, you can get started for free. Ruul takes a small commission from each invoice. There are no monthly subscriptions, hidden costs, or surprises. Check out the pricing calculator here.

How long does it take for me to receive the payment?

Once your client completes the payment and the funds arrive at our bank account, the payout is initiated immediately.

Collecting your payout in your local currency; the funds arrive in your bank account within 24 hours.
Collecting your payout in foreign currency; it may take up to 3 business days for the SWIFT transaction to arrive at your account.
Collecting your payout in cryptocurrency; the funds arrive at your wallet within seconds once the payout is initiated.

How do I create an invoice?

Choose the client, project, and billing frequency.
Input details: invoice amount, payment collection account details, and who pays the service fee.
Add service details: category, description, and any related documents.
Preview and click Send Invoice Now.

Can I send invoices to anyone?

Yes, but there are a few requirements:

Your client must have a unique identifier number (e.g., VAT, EIN, Tax ID, or Trade Registration Number). They will enter this number before making the payment.
Your client must use a corporate email address (personal emails like gmail, yahoo, outlook, hotmail, etc., are not accepted for businesses).
For bank transfers, the client must pay from a corporate bank account (personal bank accounts are not accepted).

Can I create recurring invoices?

Yes. When creating the invoice, you can select the frequency: Once, Weekly, Monthly, Every 3 months, Every 6 months, or Yearly.

How does my client pay?

Each invoice includes a payment link. Your client can use this link to pay without registering on Ruul. They can also sign up and pay from their dashboard. Both bank transfers and credit card payments are supported.

How is pricing calculated?

A base commission fee is applied to all the invoices. Additional fees may apply:

Cross-border Fee: Applies if your client’s location is different from yours.

Foreign Exchange Fee: Applies if you want to collect the payment in a different currency than the invoice currency.

VAT: Applies if required by your client’s country regulations.

Credit Card Fee: An additional fee due to credit card processing costs.

Crypto Payout Fee: Applies if you want to get paid in crypto. Check out the pricing calculator here.

How do I collect my payments?

You can collect payments into your personal bank account, a Payoneer account, or your Binance account.To add a payment account, log in to app.ruul.io and go to Profile > Settings > Payment Accounts > Add New.

What currencies are supported?

Invoices can be created in 140 currencies. You can receive payments in these 140 currencies or in crypto.

Can my clients pay in crypto?

No. Currently, clients cannot make payments in cryptocurrencies. They can use standard currencies like USD, EUR, GBP, and more. If you choose Binance as your payout option, their payments will be converted to USDT automatically.

Is Early Pay a paid feature?

Yes. An additional fee applies based on when your client will make the payment:

Within 7 days: 1.9%
Within 15 days: 2.5%
Within 30 days: 3.5%
Within 45 days: 4.5%
Within 60 days: 5.5%

The Early Pay fee is always paid by the talent, regardless of who covers the service fee on the invoice.

Who can use Early Pay?

To use Early Pay, the following requirements must be met:

Both the client and the talent must be verified users of Ruul.
The client’s company must be located in the EU or UK.
The talent's residency must be in the EU, UK, USA, Canada, or Türkiye.
Additional terms may apply depending on the region. Please contact us for more details.

How does Early Pay work?

Select when your client will make the payment while creating the invoice.
The invoice is sent to your client for approval so they accept the payment terms.
Once the invoice is approved by your client, your payout is sent to your collection account within 24 hours.
Your client will have until the due date to make the payment.5. Your client will receive a payment link via email from our partner Sprinque to complete the payment.

How soon can I receive my payment?

Your payout will be initiated within 1 business day after your client approves the invoice.

When is my client required to make the payment?

Your client must pay by the end of the payment term specified on the invoice.

Can I use Early Pay for all my invoices, or is there a limit?

Eligible clients can have a limit ranging from 100 EUR to 25,000 EUR.

I don’t see the Early Pay option when creating the invoice. Why?

Your client must register on Ruul and add their organization details. Once verified and eligibility requirements are met, the Early Pay option should be available when creating the invoice. If it's not, please contact us for further details.

How do I pay my talents?

A payment link is generated with every invoice. You can use this link to pay without registering on Ruul. Alternatively, you can sign up and pay from your dashboard. Both bank transfers and credit card payments are supported.

Can I pay multiple talents at once?

Yes. With our bulk invoicing feature, you can pay multiple talents all at once.

Who pays the commission fee?

The commission fee can be paid by either you or your talent. The service fee payer is chosen when creating the invoice.

How long does it take for my talent to receive the payment?

Once you complete the payment and the funds arrive at our bank account, the payout is initiated immediately.

Collecting the payout in their local currency; the funds arrive in your talents' bank account within 24 hours.
Collecting the payout in a foreign currency; it may take up to 3 business days for the SWIFT transaction to arrive at your talents' account.
Collecting the payout in cryptocurrency; the funds arrive at your talents' wallet within seconds once the payout is initiated.

Why do I receive a proforma invoice first?

We use a cash-based accounting model. Until the invoice is paid, it is technically a payment request. After the payment is made, the commercial invoice is sent to both the client and the talent.

Can someone else receive the transactional emails?

Yes. To change the recipient of transactional emails, go to Settings > Organization > Send transactional emails to and update the receiver.

Do you provide custom pricing for high-volume users?

Yes. You can apply for custom pricing here.

Are there any subscription or setup fees?

There are no subscription or setup fees, you can get started for free. Ruul only takes a small commission from each transaction. Check out the pricing calculator here.

Is there a free trial?

Yes, your first invoice for FREE... if it’s both you and your client’s first time using Ruul.

Why does the pricing differs depending on currency and country?

Operational costs vary based on local financial regulations, banking fees, and exchange rates. To ensure fair pricing, our rates are customized based on these factors.

What is the ‘’service fee payer’’?

The service fee payer is the person who pays Ruul’s commission fee for the invoice. This can be either you or your client, and it is selected when creating the invoice.

Is it possible to split the service fee between myself and my client?

No. The commission fee must be paid in full by either you or your client; it cannot be split between both parties.

How is the pricing calculated for crypto payouts?

An additional 1.5% crypto payout fee is applied on top of the base rate. Check out the pricing calculator here.

What platforms are supported?

Currently, we only accommodate Binance users. However, we are continuously expanding our payment infrastructure and will be adding new crypto exchanges to our network soon.

I don’t see the payment in my Binance account. Why?

Make sure that Binance Pay is active. You can activate it by going to the Funding Wallet page and clicking on the [Pay] or [Receive] tabs.
Check your funding wallet (not the spot wallet).

If the payment still hasn't arrived, please contact us.

What about taxes?

VAT: Depending on your client’s location, VAT is automatically added to the invoice.

Income Taxes: You are responsible for declaring your income and paying your own taxes in your country of tax residence.

Ruul does not provide tax services.

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Merhaba

EVERYTHING YOU NEED TO KNOW

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Merhaba

EVERYTHING YOU NEED TO KNOW

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