The Self-Employed Payment Receipt is your chance to prove your income!

The Self-Employed Payment Receipt is your gateway to receiving approval in the credit market!

When requesting credit on the market, an analysis is carried out in which different points are considered. 

In addition to having good financial standing and a clean record, many companies require proof of income. 

This is because it serves as a guarantee that the applicant has the means to pay for the credit used.

The main proof of income used in the market is the pay slip, however, people who work as freelancers do not receive this paper.

Therefore, they find it more difficult to receive approval in the credit market. 

However, if you're in this situation, don't worry! There are two solutions to your problem!

The first is the RPA, Autonomous Payment Receipt, which serves as proof of income.

The second solution is to find companies that do not require proof of income when approving credit. 

Keep reading for more details about both solutions! See below for what this post will cover:

• What is a Self-Employed Payment Receipt?
• What are the advantages of issuing RPA for the self-employed?
• How to issue this document?
• Disadvantages;
• Easy to approve credit cards;
• 1. Nubank;
• 2. Digio;
• 3. C6 Bank;
• 4. SX Santander;
• 5. Iti Itaú;
• 6. Neon;
• 7. Click;
• 8. Mooba.
• Conclusion.

What is an Autonomous Payment Receipt?

The RPA is a document issued by the service contractor and which serves as proof of payment to individuals. 

Therefore, if you provide services to a company sporadically, that is, without being a CLT employee, this document is perfect to guarantee your security in the negotiation and also to prove your income. 

Furthermore, if you haven't yet opened a CNPJ and can't issue an invoice, RPA is a great alternative for both the contractor and the service provider. 

One of the main features of this document is that it is possible to deduct some taxes collected by the contractor from the final amount, for example: INSS and ISS.

What are the advantages of issuing RPA for the self-employed?

The Autonomous Payment Receipt brings advantages to both parties, both the contractor and the contractor. 

For freelancers, it's a great way to find more job opportunities, as many companies require an invoice. Simply present this alternative. 

Furthermore, RPA provides greater security for your negotiations in case the contractor fails to fulfill their obligations regarding payments.

Obviously, this document is only issued at the end of the service, but it can also be issued at the beginning, however, you should only sign it after it has been paid. 

Finally, this document is a great alternative to prove income and use when applying for credit in the financial market. 

How to issue the Autonomous Payment Receipt?

Issuing this document is simpler than you think. You can request it from the company providing the services. 

Another option is to buy them at stationery stores or even online. You can find many models and stores selling them online. 

Disadvantages

The main disadvantage for the self-employed is the tax collection that can be carried out by the company. 

Therefore, it is important to know how much the discount will be and to price the service based on this collection. 

It is worth noting that when the document is issued from one individual to another individual, there is no tax withholding. 

To avoid discounts with the Self-Employed Payment Receipt The ideal is to have your own CNPJ (Brazilian Taxpayer Registry) and start issuing invoices. It will certainly be more practical and economical. 

Not to mention, you can open your own CNPJ (Brazilian Corporate Taxpayer Registry) without paying for a fee or an accountant. Visit the Individual Microentrepreneur portal for more details. 

However, if you want to quickly access credit in the market, but without having to issue the RPA or open a CNPJ yet, let's look at our second solution!

In the next topic, you'll find some suggestions for credit cards that are easy to approve: they don't require proof of income or a minimum income. 

Don't miss it!

Easy to approve credit cards

Digital accounts are less bureaucratic, proof of this is that they release credit very easily. 

They consider the financial behavior of their users in the app, that is, their transactions and how they use the account. 

This way, they release financial products, especially credit cards and loans, without needing a pay slip, Self-Employed Payment Receipt and even for defaulting customers. 

Continue reading and discover some easy-to-approve credit card options, most of which come from digital accounts. 

1. Nubank

Nubank releases your Roxinho credit card without needing to prove your income. 

Even if the credit limit is not initially available, simply use the “Limit Building” function for a while, because depending on how you use it, you will soon have a fixed limit approved. 

The credit card has no annual fee, and the account has no monthly fee. This digital account is a great option for those who want to save money but find it difficult. 

The app offers the option to save money, but with scheduled withdrawals. Furthermore, this feature offers excellent returns, up to 100% of the CDI.

🔜 Read the text and find out how to open your account and become a Nubank customer.

2. Digio

Digio is one of the best fintechs today when it comes to easy-to-approve credit cards. 

Plus, your card has no annual fee, and the digital account has no monthly fee. With Digio, you can also shop at partner stores with discounts, pay in installments with Pix, and earn generous cashback.

🔜 How to request your card and enjoy the benefits it offers. 

3. C6 Bank

C6 Bank has a portfolio of the most beautiful cards on the market. There are several incredible color options—just choose the one that best suits your personality! 

Oh! And to request yours, you won't need to issue the Self-Employed Payment Receipt, but if you want to use it, it increases your chances of getting approved.

The C6 Bank credit card has no annual fee, and you can also make withdrawals without paying any fees.

🔜 your account for free and start accumulating points in the Átomos Program.

4. Sx Santander

The Sx Santander credit card is simple and easy to approve, and you don't even need to be a Banco Santander account holder to get one. 

The annual fee for this card can be waived whenever you spend over R$100.00 on your bill. Even if you don't reach this average, the amount is affordable, just 12 installments of R$16.67.

🔜 Learn more about the SX Santander card and find out how to easily apply for yours. 

5. Iti Itau

The Iti credit card offers many advantages to its users, for example: 

• Zero annual fee;
• Referral program;
• Limit of up to R$10 thousand;
• Physical card without numbers;
• Contactless payment. 

Plus, your digital account has no monthly fees and you can carry out various transactions through the app. 

Iti doesn't have much bureaucracy when it comes to granting a credit limit; even defaulters can get approval at this bank. 

6. Neon

This card comes with a simple, easy-to-use digital account. You can control your spending in the palm of your hand, allowing you to organize your finances more easily. 

With Neon you also have access to loans and an investment platform where you can start investing with just R$10. 

To learn more, download the Neon app and open your account.

7. Click

The Click credit card has no annual fee or minimum income requirement, meaning you won't need Self-Employed Payment Receipt to request yours. 

Plus, it gives you cashback, points to use in the Iupp Program, discounts at cinemas and access to iPhone Forever. 

To request yours, visit the Itaú Cartões website. 

8. Mooba

Mooba is one of the largest and best digital cashback platforms in Latin America. 

With your credit card, you earn up to R$1% cashback on purchases. The annual fee is only R$$15 per month, but it can be waived depending on your billing.

The card is issued by Banco Pan, so to request yours you will need to access that issuer's website. 

Conclusion

As you can see, the Self-Employed Payment Receipt is a great alternative to prove income. 

However, if issued by companies, some taxes are withheld, so it may be disadvantageous for the self-employed. 

If your intention is to obtain proof of income to apply for credit, you no longer need to worry. 

Check out some of the credit card suggestions mentioned above, as in addition to easy approval, they offer many benefits to their users. 

Be sure to follow the news on our blog; here you'll find the best options for financial products and services. 

Plus, you'll get the help you need to keep your finances in order.