If you are a designer, programmer, consultant, or active in one of over 40 creative and technical fields, we have news that changes the rules of the game.
Starting January 1, 2026, the "Freelancer Law" came into force in the Republic of Moldova. Goodbye bureaucracy, goodbye complicated accounting. Now you can focus only on what you do best, while Paynet Business offers you the financial infrastructure needed to collect money quickly and transparently.
What does the new fiscal regime mean for you?
In short: freedom and simplicity. The state has created a legal framework (Independent Economic Activity) specifically for you, eliminating old barriers.
Here are the main advantages and answers to the most frequent questions:
- Single Tax of 15%: Applies to annual revenues of up to 1.2 million MDL. This tax covers everything: income tax, social contributions (pension), and medical insurance.
- What happens if you exceed 1.2 million? For the amount exceeding this ceiling, a standard taxation regime of 35% will apply.
- No Accountant: You are not obliged to keep accounting records, or submit fiscal or statistical declarations.
- Everything is Automated: How does the Tax Office see you? Simple. Income tracking is managed automatically by the State Tax Service, exclusively based on payments entering your dedicated account. You do not have to report anything manually.
Do you qualify? The 40+ eligible fields
Law no. 228/2025 expanded the list of permitted activities to include the majority of digital and creative professions. Here are the most important categories. If your job is here, you can switch to the new fiscal regime:
IT & Software
- 62.01 – Custom software development activities (client-oriented software).
- 62.02 – Information technology consultancy activities.
- 63.11 – Data processing, web page administration, and related activities.
- 63.12 – Web portal activities.
- 58.21 / 58.29 – Publishing of computer games and other software products.
Marketing & Creative
- 73.11 – Advertising agency activities.
- 73.20 – Market research and public opinion polling.
- 74.10 – Specialized design activities (graphic, web, fashion, interior).
- 74.20 – Photographic activities.
- 70.21 – Public relations and communication consultancy activities.
- 90.03 – Artistic creation activities.
Education & Training
- 85.51 – Sports and recreation education.
- 85.52 – Cultural education (foreign languages, music, art).
- 85.59 – Other forms of education (tutoring, trainings, online courses).
Consulting & Professional Services
- 70.22 – Business and management consultancy activities.
- 74.30 – Written and oral translation activities (interpreters).
- 71.11 – Architectural activities.
- 71.12 – Engineering activities and technical consultancy.
Other Services
- 81.21 – General cleaning of buildings.
- 82.19 – Photocopying, document preparation, and other specialized secretarial activities.
Note: The complete list of eligible CAEM codes can be consulted in the official text of the law.
How do you become a fully legal Freelancer with a Paynet Business account?
There are myths that you have to physically go to government counters. False. The process is digitized and requires no unnecessary trips. Here are the simple steps:
Register online through the Public Services Portal. It is free, and you do not need to go to the ASP.
Immediately after registration, you will receive a confirmation of registration, and a fiscal code (IDNO) dedicated to your independent activity will be assigned to you.
After obtaining the IDNO, request an excerpt from the State Register of legal units. Access the same link and follow the instructions.
You will receive an email notification confirming that the Extract from the State Register for Independent Entrepreneurs has been issued. Click the link to be redirected to Mcabinet. Select the Independent Entrepreneur profile containing your IDNO, then go to the 'My Files' folder to download the extract.
Do you have your Identity Card, IDNO, and the excerpt ready? Perfect.
Complete the Paynet Business registration form here.
We will open the account dedicated to your economic activity, in accordance with legal requirements, and give you immediate access to a complete financial dashboard.
How do you collect money from clients via Paynet?
Once your Paynet Business account is active, you have total flexibility. You can collect payments via: IBAN transfer, Payment Link, QR Payments, MIA QR, MIA RTP, Paynet Electronic Wallet, Visa and MasterCard payment cards, Cash Invoice.
You choose the best method for you and your client.
Calculator: How much should you invoice to receive the desired amount?
Do you need to negotiate a net price with your client and want to ensure that, after tax payments, you are left with exactly that amount?
We created this calculator to help you set the price correctly. You enter the amount you want to have in your account (net), and we tell you how much you need to put on the invoice to cover the 15% single tax.
Why choose Paynet Business for your independent activity?
- 100% Digital: You don't come to the bank. Everything happens online.
- Legal Compliance: Our accounts are recognized by the State Tax Service for Freelancer / Individual Entrepreneur activity.
- Access to your money: You can withdraw collected funds immediately, to the Paynet Mastercard from the Paynet app or any other card.
Ready to start? Final checklist:
You have just one step left.
Open Paynet Freelancer Account Now
