I solved the dilemma with micropayments in Poland; I realized I don't always have to issue an invoice, which would cost me 5 PLN each time for accounting services, but instead can maintain non-invoice records for individual clients, saving both them and myself money and inconvenience. If a client insists on an invoice, I can charge an additional 6-7 PLN net or convert them to larger amounts or pre-pay if they want more services. #speechzap