Most Nepali CAs default to advising you to under-declare. That works until it doesn’t. The current PAN/VAT system can absolutely cross-check Payoneer and bank inflows.
Do it right: register as a sole proprietor, declare the full income, pay the 25% bracket. Sleep peacefully. Yes the tax bites but no audit is far cheaper than a small audit.
Have a CA who actually understands this? Share names.
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