How to earn money by recommending products without a business? Legal ways… do exist!

You can earn money online by recommending other people’s products – and do it completely legally, even if you don’t have a business. Nowadays, you don’t need to register a business, issue invoices, or call an accountant with every payout. Does it sound like a fairy tale or worse – a scam? It turns out it’s true, as you’ll read in today’s post.

Recommending Products Online Without a Business – Is It Even Legal?

Yes, it’s legal – provided you do it the right way. 

• If you promote products online and earn a commission for it, but do not exceed certain income limits and do not operate “systematically,” you can operate as an individual.
• The law provides for something called unregistered activity, which allows earning up to 2700–3000 PLN gross per month (limit based on 75% of the minimum wage).

Important: It’s not about evading regulations, but adjusting the scale of your actions to the regulations. For example, if you have your own TikTok account and occasionally post a link to an e-book or product you recommend – and someone buys it – you don’t have to immediately register a business. As long as you’re not conducting mass sales, hiring people, renting an office, and not operating like a company – in the eyes of the law, you are an individual earning income from other sources.

How to Earn by Recommending Products in 2025? Limits, Taxes, and Options Without Social Security

In 2025, you can comfortably earn money online by recommending products – and avoid paying social security or setting up a business. It all depends on how much you earn and how often, but in practice – if your monthly income does not exceed 2700 PLN gross and you’re not doing it “full-time” – you are fully compliant with the law.

How does it work in practice?

• You don’t pay social security, because you don’t have a registered business.
• You report your income once a year in PIT-36 (section “other income sources”).
• You don’t need to issue invoices – platforms (e.g., RefSpace, Ceneo, Convertiser) report income.
• You have peace of mind with accounting and bureaucracy.

Importantly – you pay taxes only after the end of the fiscal year, so you don’t have to deal with advances, declarations, or VAT immediately. Most beginners don’t exceed the limits – and even if they do, they can simply switch to unregistered activity or start a business at a convenient time. There’s no need to be afraid – just know how it works.

Promoting Products Online – Is It a Business or Not Yet?

It depends not only on what you do but how often and with what intention. Under Polish law, the line between “unregistered activity” and a full-fledged business is quite blurred. Tax offices mainly look at three things: regularity, organization, and scale. For instance, if you have a TikTok where you occasionally post an affiliate link and occasionally earn a few hundred PLN – you are still an individual who has earned from “other sources.”

The problem starts when:
• you post daily and all your activities resemble a professional store,
• you have a promotion system, such as landing pages, funnels, paid ads,
• you earn regularly above 2,7 thousand PLN per month gross.

This doesn’t mean it’s forbidden – simply, it might be worthwhile to switch to unregistered activity or sole proprietorship. From 2024, another thing is added: income reporting from platforms by operators (DAC7). If a platform pays you more than 30 thousand PLN within a year or you complete over 200 transactions – the data will automatically be sent to the tax office. It doesn’t mean you’re doing something wrong – it just means it’s time to start acting consciously.

Earning by Recommending Without a Business – Is It Worth It? Comparison in PLN

Yes, and more than you think – provided you choose the right platform and model. For many, the biggest surprise is that you can regularly earn by recommending products – without having a store, business, or your own products. All you need is a social media account, some engagement, and a well-selected affiliate system.

Example.
Let’s say you earn 2000 PLN a month by recommending products with a 30% commission. If you do this through a platform that allows withdrawal as an individual (e.g., RefSpace, Convertiser, Ceneo), then:

• you don’t pay social security,
• you don’t need to keep accounts,
• you don’t pay monthly tax advances, you settle annually,
• you bear no fixed costs.

For comparison: if you wanted to register a business right away, you’d have to pay at least 1800 PLN for social security (without discounts) and handle all the paperwork. With the same income of 2000 PLN – you’d come out at a loss. The conclusion? Recommending products without a business is not only legal – it’s simply profitable to start. Only when your income exceeds a certain threshold and you start treating it as your main source of livelihood, does it make sense to move to the next stage.

Want to Recommend Products Online Without Drowning in Paperwork? See How Others Do It on RefSpace

The highest earners are not those with the biggest reach but those who simplify the system. Recommending products doesn’t have to involve fiddling with invoices, contracts, and settlements with five different partners. Today, you have platforms that have everything “sorted” – you just post a link, description, and that’s it. And this is how it looks in practice.

Example? RefSpace. It’s a platform that allows you to:

• earn without setting up a business,
• recommend ready-made products (e.g., cosmetics, clothes, books) or your own e-books and courses,
• set a commission for other creators, who will help you promote your things,
• withdraw funds as an individual, with simple annual accounting (PIT).

That is why many people who thought they couldn’t handle online sales are now working regularly and stress-free. Simply:  record a video, upload a description, add a RefSpace link, and… that’s it. They don’t need to run a store, warehouse, nor contact an accountant. You can even start from your phone.

Earning from recommending products is not magic – it’s a system you can implement in 30 minutes

If you have an Instagram, TikTok, or YouTube account, you’re 2 clicks away from your first sale. You don’t need hundreds of hours of courses, a business, or an app for 299 zł per month. Earning from recommending products in 2025 is a real, easy-to-implement system. And yes – you can manage it in 30 minutes, even if you’re just starting out.

Checklist?

• Create a short video, story, or post with a product recommendation
• Add your affiliate link (e.g., from RefSpace) – the platform handles payments, orders, and payouts on its own.
• Monitor the statistics in the panel and see what works.
• Withdraw funds as an individual, without paperwork and accounting.

This is how it works in RefSpace: you have a ready panel, products, commissions, and the possibility of being both a creator and a recommender. You can recommend someone else’s products – or your own. No commitments, no risk, no startup fees. It’s worth trying before you decide “it’s not for me.” Because maybe… it is exactly for you.

FAQ

Can I earn from recommending products if I don’t have a business?

Yes. In Poland you can operate as an individual if you do not exceed the income limit (currently about 2700–3000 zł per month gross). This model is called unregistered activity or simply accounting for “other sources” in PIT.

Do I have to issue invoices if I’m promoting something online?

No. If you operate as an individual, you don’t need to issue invoices or have a cash register. Many platforms (e.g., RefSpace, Convertiser, Ceneo) settle with you as an individual and report these earnings to the office.

How do I account for such income from recommending products?

You simply enter it once a year in the PIT return – usually PIT-36, in the “other sources” section. You don’t have to do anything regularly, no advances, no need for an accountant. If you don’t exceed the limit – you also don’t pay ZUS contributions.

Do I need a special profile or account on social media to promote products?

You don’t need to have massive reach. Even small accounts on TikTok, Instagram, or YouTube can earn money if they are authentic and have the trust of their audience. Just link the product and recommend it naturally – for example, in stories, videos, post descriptions.

How much can you earn from recommending products?

It depends on the topic, engagement, and types of products. Realistically – from a few hundred to several thousand zł per month, without a business. People who act regularly report earnings ranging from 1500–4000 zł, promoting things they already like and use.

Is it profitable if I don’t have my own product or store?

Yes. The affiliate model works exactly for those who don’t want to create their own products but want to earn by recommending others. You can start right away, without investment, without coding, without handling logistics.