# Invoice Without a Company: Whose Name Goes on It (2026)

> Yes, you can usually invoice without a company, in your own name. When the client wants to pay by card, a merchant of record can be the seller. Our limits.

Source: https://agentaos.ai/answers/invoice-without-a-company (canonical HTML page). Publisher: AgentaOS.

# Can I invoice a client without a company?

**The problem** "I have no registered business. My client is a company, their finance team wants a proper invoice, and they asked if they can pay by card. What do I put on it?"

**Yes, you can usually invoice without a company: as an individual, with your own name, address and bank details. Where your client needs to pay an invoice by card, a merchant of record such as AgentaOS can be the seller named on the invoice instead of you. AgentaOS only does this for fixed-price packages with the scope set in advance, approved by us first, never hourly work, retainers worked out per client or custom projects** ([Terms, section 21](https://agentaos.ai/terms), [acceptable use policy](https://agentaos.ai/acceptable-use)).

Your name or someone else's

## Whose name goes on an invoice *without a company*?

- **You are the seller.** Your legal name goes where a company name would go, with your home address, your email and, if your country gave you one, your tax number. Your client pays you by bank transfer. Our [freelancer invoice template](https://agentaos.ai/answers/invoice-for-freelancers) lists what it needs.
- **Someone else is the seller.** A company sells the work to your client in its own name and pays you. With AgentaOS, the invoice names "AgentaOS (Aristokrates OÜ, Estonia) as the seller, "Merchant of Record for" your business" ([invoice docs](https://docs.agentaos.ai/payments/invoices.md)). Your client's contract is with us, and the client can pay by card.

**Is it legal to invoice as an individual?** In many countries, yes. But some expect you to register as self-employed once you earn regularly, and some clients need a tax number before they can pay a person. Ask a local accountant once. You still declare the income at home, also when a merchant of record pays you. More: [do I need a company to sell online?](https://agentaos.ai/answers/do-i-need-a-company-to-sell-online)

Your options

## What are the *ways* to invoice without a company?

|  | Your own invoice, bank transfer | Ruul | PayOdin | AgentaOS |
|---|---|---|---|---|
| Name on the invoice | Your legal name | "Billed from Ruul Inc." | "a registered Delaware LLC named on every invoice you send" | AgentaOS (Aristokrates OÜ, Estonia), "Merchant of Record for" you |
| Company needed | No | "No. You sign up as an individual." | "No company needed." | No: our Terms define "You" as "the individual or entity selling Products" |
| Client can pay by card | No | "Your client pays Ruul by card or bank transfer." | Not stated on its homepage | Yes, on the hosted checkout; bank transfer too for EUR invoices |
| What work | Any | Lists software, design, marketing, writing and consulting | Not stated on its homepage | Fixed-price service packages only, after approval |
| Approval first | None | Not stated on the page we read | "Every account is approved manually." | Yes, per account |

Quotes from each provider's own page, opened 12 November 2026: [Ruul, invoice without company](https://ruul.io/invoice-without-company), [PayOdin](https://payodin.com). We do not compare fees here; check each provider's pricing page.

**Honestly:** if your client will pay by bank transfer, your own invoice is the simplest route.

Our limit

## What exactly can AgentaOS *invoice for you*?

We carry the dispute risk on every sale in our name, so we only sell work defined before the client pays. In our own words:

- **Allowed:** our [acceptable use policy](https://agentaos.ai/acceptable-use) allows "Service Packages, meaning productized services sold ready-made rather than quoted per client, but only where we have approved your account to sell them".
- **Not allowed:** the same policy rules out "custom or project-based work whose scope or deliverable is agreed separately with each client", and "pure professional or human services whose main value is your time or expertise" unless approved as service packages. Regulated legal, financial, tax, investment, insurance and medical advice "may not be sold through the Service in any case".
- **What a package is:** [Terms, section 21](https://agentaos.ai/terms): "contents, deliverable, exclusions, price, and delivery window fixed in advance, identical for every Buyer, no proposals or negotiation." And: "Worked out per client = custom work = never allowed, whatever it's called."
- **Delivery:** section 21 also says "a package delivered only in live conversation doesn't qualify." Files, a report or a recording do.

So "Brand audit: written report, 10 working days, €800" can go on an AgentaOS invoice. "Development work, 40 hours" cannot.

Step by step

## How do I invoice a client *without a company*, step by step?

1. **Ask the client's finance team two questions.** What must the invoice show, and will they pay by bank transfer or card?

2. **Sort the work.** Per-client quotes, hourly work and retainers go on your own invoice. A fixed package sold the same way to everyone can go through AgentaOS.

3. **Check your registration once.** Ask a local accountant whether you must register, and which tax line your invoice needs.

4. **For your own invoice:** your legal name, address, a unique number, dates, the work, the total with its currency and your bank details. Use the [free template](https://agentaos.ai/answers/invoice-for-freelancers).

5. **For a card invoice:** sign up as an individual, apply for service packages and wait for approval. Approval is per account, for the offering and website you show us ([Terms, section 21](https://agentaos.ai/terms)).

6. **Send the invoice from your dashboard.** Fill in Bill to (with the client's VAT number if they have one), add the package, pick the currency and terms (Net 7, 14, 30 or Due on receipt), then send it or copy the payment link ([invoice docs](https://docs.agentaos.ai/payments/invoices.md)). Tell the client first that AgentaOS will be the seller.

7. **Deliver and get paid.** Delivery is confirmed by the client in writing, or by your evidence plus 7 days with no objection. Payout follows within 5 business days of the payment clearing undisputed and delivery being confirmed ([Terms, section 21](https://agentaos.ai/terms)).

Before you send

## Is my invoice ready? A *checklist*

- The finance team told you what they need and how they will pay
- An accountant told you whether to register, and which tax line to use
- For a card invoice: the work is one fixed package, same price for every client, scope and delivery window set in advance
- For a card invoice: your account is approved for service packages
- The client knows AgentaOS will be named as the seller
- Delivery will leave files, a report or a recording behind, kept for 18 months

What it costs

## What does a *card invoice* cost?

The published rate is 4.5% + €0.50 per card sale, no monthly fee. Cards issued outside the EEA, such as US cards, add 1.5% ([pricing docs](https://docs.agentaos.ai/mor/pricing), [charge US clients by card](https://agentaos.ai/charge-us-clients-by-card)). For service packages, Terms section 21 says the per-sale fees "are those shown in your account", may include a per-sale minimum, and are "never added to the Buyer's price". At the published rate, an €800 package paid with a US card leaves €751.50 after the card fee.

Reserves, from the [Terms](https://agentaos.ai/terms):

- **Section 9:** new accounts, including service packages, set aside up to 15% of each sale, released 120 days after the sale.
- **Section 21:** "at least 10% of each Service Package sale is set aside for at least 120 days from that sale's Payout release."

What AgentaOS cannot do

## When is a merchant of record the *wrong* choice?

- **Hourly, custom or per-client work.** Use your own invoice and a bank transfer. We will not invoice it, whatever it is called.
- **One large project and you need the cash now.** With the reserve above, a bank transfer to your own account pays faster.

Where AgentaOS fits

## Where does *AgentaOS* fit?

The guides that rank for this question send freelancers to Stripe or PayPal for card payments. That does not help if you live where they do not serve you: Stripe's own country list ([stripe.com/global](https://stripe.com/global), checked 12 November 2026) does not include Serbia, Pakistan or N. Macedonia. For a fixed package your clients want to pay by card, AgentaOS is the seller on the invoice and pays you at home. Step-by-step flows: [invoice a US client from Serbia](https://agentaos.ai/answers/invoice-us-client-from-serbia), [invoice a US client from Pakistan](https://agentaos.ai/answers/invoice-us-client-from-pakistan). Which services fit: [merchant of record for freelancers](https://agentaos.ai/answers/merchant-of-record-for-freelancers).

Questions

## Related *questions*

### Can I invoice a client without a registered business?

In many countries, yes. You invoice as an individual, with your legal name, address and bank details where a company's would go. Some countries expect you to register as self-employed once you earn regularly, so ask a local accountant once.

### What do I put instead of a company name on my invoice?

Your full legal name, your home address and your email. Add a tax number if your country gave you one. Do not invent a business name. If a merchant of record sells for you, its name goes on the invoice as the seller.

### Whose name is on the invoice when AgentaOS is the seller?

AgentaOS (Aristokrates OÜ, Estonia) is named as the seller, "Merchant of Record for" your business. Your client's contract is with us. Tell the client before you send it, so their finance team knows who to expect.

### Can my client pay by card if Stripe is not available in my country?

Yes, through a merchant of record, for a fixed-price package approved by AgentaOS. Your client pays on a hosted checkout by card, or by bank transfer for EUR invoices, and we pay you at home.

### Can I bill hourly work or a retainer through AgentaOS?

No. Hourly work and retainers worked out per client are not allowed. A recurring package with the same contents and price for every client can be sold, each period as a separate sale. Invoice everything else yourself.

Keep reading

## Related

[Invoice a US client from Egypt](https://agentaos.ai/answers/invoice-us-client-from-egypt)[Invoice a US client from Nigeria](https://agentaos.ai/answers/invoice-us-client-from-nigeria)[How to make an invoice as a freelancer](https://agentaos.ai/answers/invoice-for-freelancers)[Do I need a company to sell online?](https://agentaos.ai/answers/do-i-need-a-company-to-sell-online)[Merchant of record for freelancers](https://agentaos.ai/answers/merchant-of-record-for-freelancers)[Invoice a US client from Serbia](https://agentaos.ai/answers/invoice-us-client-from-serbia)[Invoice a US client from Pakistan](https://agentaos.ai/answers/invoice-us-client-from-pakistan)

Sources: [AgentaOS Terms](https://agentaos.ai/terms) · [AgentaOS acceptable use](https://agentaos.ai/acceptable-use) · [AgentaOS pricing docs](https://docs.agentaos.ai/mor/pricing) · [Charge US clients by card](https://agentaos.ai/charge-us-clients-by-card) · [AgentaOS invoice docs](https://docs.agentaos.ai/payments/invoices.md) · [Ruul, invoice without company](https://ruul.io/invoice-without-company) · [PayOdin](https://payodin.com) · [Stripe global availability](https://stripe.com/global)