A practical starting point is to treat it like a real business from day one. Even as a sole proprietor, it’s wise to keep a separate bank account used only for photography income and expenses. That makes bookkeeping and tax reporting much easier.

Use written contracts for every job, and issue invoices that clearly state payment terms, such as due on receipt, net 30, or a deposit up front with the balance on delivery. Keep records of all payments and expenses in one system.

Checks and electronic payments are both common. If using checks while operating under a personal name, they’re typically made out to that person. Card payments can be handled through services like Square, and online payments through services like PayPal. The exact account type depends on the provider’s rules, so verify that directly.

Several answers also recommend using bookkeeping software to track invoices, revenue, and expenses.

Because legal and registration requirements vary by location, the safest advice is to check with your local city or government office and, if possible, consult a lawyer or financial adviser/accountant about business registration, contracts, and tax obligations.