Key Takeaways
- An Osek Patur can accept credit cards like any other business: you choose a processing service, send clients a payment link so they can pay by card or Bit, and issue a receipt for every payment.
- For a card or Bit payment, an Osek Patur issues a receipt, not a tax invoice. Only an Osek Murshe issues tax invoices, and an Osek Patur does not charge its clients VAT.
- Card and Bit income counts toward your annual turnover, just like cash and bank transfers. The Osek Patur ceiling is 122,833 NIS (as of 2026); above it you must register as an Osek Murshe.
- Before choosing a provider, check the monthly fee and the fee per transaction, whether you can also accept Bit, whether receipts are issued automatically and how quickly the money reaches your account.
- With Keep, every plan, including the basic plan at 39 NIS a month plus VAT, lets you send payment links and requests, charge by card and Bit and issue receipts automatically. A personal accountant and reports to the tax authorities come with the recommended plan, at 105 NIS a month plus VAT.
Why Does an Osek Patur Need Credit Card Processing?
As business owners, we all want to make the payment process as fast, simple, and convenient as possible. The easier it is for customers to pay, the faster deals close - without delays and without searching for cash.
Many Osek Patur businesses avoid credit card processing, thinking it is complicated, expensive, or meant only for large businesses. But the truth? Today any business owner, even one just starting small, can begin processing credit cards easily, without commitments and without heavy costs.
In practice, whether to accept cards depends on how your clients pay today. If you work with private clients or get paid after a meeting, a payment link sent on WhatsApp helps most. If most of your clients are companies that pay by bank transfer, you will gain less from it.
Benefits of Credit Card Processing for Osek Patur
More Potential Customers
A large portion of customers prefer paying by credit card, and some do not even carry cash. If you do not accept credit cards, you may be losing deals.
Convenience and Faster Deal Closing
Credit card payment saves time, shortens processes, and gives the customer a simple solution without having to deal with bank transfers or cumbersome payments.
Higher Revenue
When there is an option to split payments into installments, customers may be willing to purchase at higher amounts, increasing your sales volume.
Improved Cash Flow
Money enters your business account in an organized manner, without chasing bank transfers or getting stuck with deferred checks.
Professional and Trustworthy Appearance
A business that accepts credit card payments looks more serious to customers, projects reliability, and removes psychological barriers for hesitant customers.
These benefits come at a price: usually a fee on every transaction, and sometimes a monthly fee as well. It is worth working out how much the fee takes from your average sale and comparing that with the time a payment link saves you over chasing bank transfers. With many small sales, a fixed fee per transaction weighs more than with a few large ones.
How Can an Osek Patur Start Processing Credit Cards?
1. Choose a Reliable Processing Provider
The first step is choosing a processing service suited for Osek Patur businesses, with fair fees, a quick onboarding process, and no unnecessary commitments. Check whether there are monthly fees, whether you can also process via Bit, whether receipts are issued automatically, and how quickly funds are received.
2. Connect the System to Your Business
After choosing a processing provider, you will need to connect the payment system to your business. You can send customers secure payment links directly via WhatsApp, email, or SMS. For face-to-face sales, you can use a card reader or mobile terminal.
3. Receive Payments Smartly
One of the biggest advantages of credit card processing is order and control over cash flow. All incoming payments are automatically updated in the system, so there is no need to manually track each payment.
4. Automatic Receipt Generation
Once payment is received, the system can automatically generate a digital receipt and send it to the customer. This saves time, reduces errors, and lets you focus on managing your business.
A common mistake is to take a payment by Bit or bank transfer and forget to issue a receipt for it. A Bit or card payment is business income too, and every payment you receive needs a receipt. When a receipt is issued automatically with each payment, it is harder to miss one.
Why Process Credit Cards with Keep?
- Simple and friendly processing system - No technical knowledge or complicated installation needed. You can send clients a payment request or payment link and charge them by credit card or Bit, on every plan.
- Full tracking of all income - Every transaction is automatically updated in the system. You can see the status of your documents and payments and which clients still owe you money, and the dashboard also shows income, expenses and profit for any date range you choose.
- Digital receipts with one click - Once payment is received, the receipt is automatically generated and sent to the customer, without manual intervention.
- No commitment and no complications - Keep's plans come with no commitment, and you can switch plans at any time at no cost.
Everything in this list is available on every plan, including the basic plan: payment links and requests, card and Bit charging, automatic receipts, payment status and the dashboard. If you sell on a website, you can connect card processing to it through an API. The recommended plan (105 NIS a month plus VAT) adds a personal accountant for professional guidance and representation before the tax authorities.
Summary
Credit card processing is a simple, worthwhile solution for an Osek Patur who wants to increase revenue, project professionalism, and improve cash flow. Your customers are looking for convenience and flexibility in payment, and if you do not offer it, you may lose deals.
With Keep, you get a processing system that keeps your payments and receipts in one place, and on the recommended plan also a personal accountant and reports and payments to the tax authorities.
If you are unsure, you can start by sending a payment link to your regular clients and see how many of them choose to pay by card or Bit. After a month or two, it will be clear whether card payments shorten the time it takes to get paid and what they actually cost you.
Frequently Asked Questions About Credit Card Processing for Osek Patur
Does an Osek Patur need a card terminal to accept credit cards?
Not necessarily. You can send the client a payment link by WhatsApp, email or SMS, and the client pays from their phone. A terminal or card reader is mainly needed if you sell face to face.
What document does an Osek Patur issue for a credit card payment?
A receipt. An Osek Patur may not issue a tax invoice: under the VAT Law only an Osek Murshe issues tax invoices, and anyone who issues one without being entitled to must pay the tax shown on it. In Keep, the receipt is issued automatically when the payment comes in, as a digitally signed PDF.
Does credit card income count toward the Osek Patur ceiling?
Yes. The Osek Patur ceiling is measured on the business's entire annual turnover, whatever the payment method. For 2026 the ceiling is 122,833 NIS, and if you go above it you must register as an Osek Murshe.
How does an Osek Patur report card income to VAT?
An Osek Patur does not file monthly or bi-monthly VAT reports. Once a year, by 31 January, it files a declaration of the previous year's turnover with VAT, and card and Bit income is included in it. On Keep's recommended plan, reports to the tax authorities are included, among them the annual VAT report. The annual income tax report is offered at a special price and is not included in the monthly price.
