The flow of funds from buyer to seller is the same for WB and Ozon Global: the marketplace converts rubles to yuan and transfers them to a payment system wallet, from where the money arrives in the Chinese company's account. WB withdrawal fee is 0%, processing time is 1–3 business days.
The entire chain
- buyer pays in rubles on the marketplace
- marketplace converts and credits yuan to the seller account balance
- withdrawal to a payment system wallet: LianLian Pay (~1.2% per transfer), Payful (GEP), PandaPay
- from the wallet to the Chinese company's corporate account
- next: taxes, expenses, dividends — corporate taxes
Withdrawal to a personal account: be careful
Technically, WB allows withdrawals to a personal Chinese account, but starting in 2026, tax authorities are monitoring this closely. A safe practice is no more than once per quarter and within 100,000–200,000 yuan per transaction; regular large transactions to a personal account are an invitation for an audit. At the start, while a corporate account is being opened, a personal one is acceptable as a temporary solution.
Moving funds to Russia
- pay company taxes: 1% VAT + 5% on profit
- transfer from corporate to personal Chinese account (card/Alipay)
- to Russia — via UnionPay from a Chinese card to a Russian one; limits depend on the bank
- in Russia: 3-NDFL 13% with a credit for the 6% paid in China → 7% additional payment — how the tax credit works
Alternative legal paths: payments to foreign counterparties under contracts (suppliers, logistics, marketing) and dividends to the founder. Both require documentation, both are compliant.
Frequently asked questions
How long does it take for money to go from a sale to the company account?
Payout from the seller balance takes 1–3 business days to the payment system, plus another day or two to the bank account. Total is about a business week from the moment of withdrawal; Ozon makes payouts twice a month, WB — upon request.
Are there limits on withdrawals from the payment system to an account?
There are no technical limits that hinder normal business; the LianLian fee is ~1.2%. It is not the amounts that attract attention, but atypical routes — for example, regular large transfers to personal accounts.
Can I pay suppliers directly from the payment system wallet?
The standard route is through a corporate account: this ensures every transaction is recorded and reduces taxes. Direct payments from the wallet complicate accounting without providing any benefit.
How long does it take to receive funds from a sale on Wildberries?
The withdrawal process from the seller balance takes 1–3 business days to reach the payment system, with the total time to reach your bank account being about a business week.
Is it safe to withdraw marketplace earnings to a personal Chinese bank account?
While technically allowed as a temporary solution, regular large transactions to a personal account are risky and can trigger an audit, especially as tax authorities are monitoring this closely.
What are the fees associated with withdrawing funds from the marketplace?
Wildberries charges a 0% withdrawal fee from the marketplace, while using a payment system like LianLian Pay typically incurs a fee of approximately 1.2% per transfer.
What is the recommended way to handle taxes when moving funds to Russia?
You should pay 1% VAT and 5% on profit in China, then transfer funds to a personal account to send to Russia via UnionPay, where you will pay an additional 7% to reach the 13% 3-NDFL requirement.