My business. Online accounting (system). Available API for banks

Cloud service“My Business” allows you to pay taxes and fees in a few clicks, submit reports via the Internet, create invoices, contracts, acts, invoices, etc. Thanks to the integration of Internet accounting "My Business" with large Russian banks (Alfa-Bank, Promsvyazbank, LOCKO-Bank, SDM-Bank, SB Bank, Otkrytie), bank statements are automatically downloaded to the “My Business” service, after which the system independently distributes Money by items of expenses and income, calculates the amount of taxes and contributions. This simplifies the work of an accountant who helps an entrepreneur, or the entrepreneur himself if he does his own accounting.

2018: Integration with Digital2Go

2017

"Sberbank" and "Moye Delo" have simplified accounting for business

On November 1, 2017, online accounting “My Business” announces integration with Sberbank Business Online. Now entrepreneurs can significantly simplify accounting and automate standard operations.

Clients of the “My Business” service and current account holders at Sberbank will not have to waste time reflecting cash flows in the accounting department - the data is automatically transferred from Sberbank Business Online. Bank statements are uploaded to the service, and generated payment orders are downloaded and sent to the bank. There is no need to enter your login and password multiple times, and tax and accounting reports are generated in personal account service.

Integration opportunities are available both in “My Business” and in the partner service `Online Accounting`, which is an integral part of the Sberbank ecosystem for corporate clients.

Online cash registers, official records and accounting are available to small businesses in a “one window”

On September 19, 2017, the online accounting service “My Business” and the fiscal data operator “OFD Platform” announced the start of a partnership to provide a comprehensive product for the transition to current trading rules for small businesses.

The proposal from My Business, compiled jointly with the OFD Platform, is intended to provide fast connection And productive work with online cash registers, OFD to a wide range of entrepreneurs and companies. The product is implemented as part of the “My Business” service and includes OFD services for a period of one year, comprehensive online cash register services and business accounting support. As a result, small businesses will be able to get a simple solution in a “one-stop shop” mode that allows them to work in full compliance with the requirements of Law 54-FZ.

Bank statements are automatically and timely uploaded to “My Business”, after which the system independently distributes funds according to expense and income items. Based on these data, the amount of taxes and contributions is calculated. The generated payment order can be uploaded to the bank for execution without the need to use external systems DBO. In this case, the system automatically inserts the current details, indicates the purpose of the payment and fills in all service fields.

Partners expect that the integration of applications will help improve the user experience of the My Business software - clients of the bank that uses the Diasoft core banking system.

The service for maintaining accounting, personnel and tax records “My Business” is integrated with the Internet resources of Alfa Bank, Promsvyazbank, Sudostroitelny Bank, SDM-Bank and LOCKO-Bank and users only need to enter basic details companies, information about current accounts and connect electronic reporting once.

Available API for banks

Any bank can organize electronic document flow between its online bank and the “My Business” service - this will expand opportunities for clients - small entrepreneurs (individual entrepreneurs or LLCs). To integrate with My Business, banks need to set up a service that implements three functions:

• a function that returns the connection status of the integration service with online accounting “My Business”;
• function of importing a payment order in 1C format;
• function of exporting movements on a subscriber's account for the requested period in 1C format.

Integration of the “Bank-Client” and “My Business” systems allows you to automatically upload payment orders generated in the service and upload bank statements to accounting service. The system independently distributes funds according to expense and income items, and calculates the amounts of taxes and contributions. To do this, the user only needs to enter the basic company details, information about current accounts, and connect electronic reporting once. This makes it easier for an individual entrepreneur or LLC to work on the simplified tax system and UTII with their own current account and reduces the number personal appeals clients to the bank, indicated in “My File”.

As a result of integration, the bank receives new clients - legal entities and individual entrepreneurs.

Today, more and more companies individual entrepreneurs move from standard system accounting and outsourcing to online accounting. The answer to the question “why is this happening” is simple – it’s convenient and profitable. After all, companies that use online accounting no longer need a permanent in-house accountant or seek services from third parties. Online accounting services are so simple and easy to use that any employee can do all the necessary calculations, even if he does not have a special education for this. It is quite natural that such services are highly popular, because any entrepreneur wants to save money.

And since there is demand, there is also supply. Let's look at an example of one of online accounting service “My Business” all the features and advantages of this type of accounting.

Let’s first take a quick look at how to start using the “My Business” service.

In addition, there is automatic exchange documents with partner banks, which will take seconds but will save hours of your time. All bank statements will be automatically posted to expenses and income, and the entire process will be fully displayed in your personal account. The tax calendar controls deadlines and reminds you in advance about submitting reports and paying fees via SMS and email. Video lessons and webinars of the service will tell you about registration and starting activities, accounting and tax calculations, reporting and personnel records. And if you have any questions, service specialists will answer you, regardless of the complexity of the situation.

Internet accounting “My Business” is absolutely safe, there is a risk of losing data equal to zero, your information is stored on servers in Europe, encrypted during transmission with a code like in the largest banks and updated every fifteen minutes, and financial damage is insured. All service services are included in the tariff without additional or hidden fees, including unlimited expert consultations. All this is stated in the contract. By the way, if you want to devote all your time to your business, the service offers to completely handle your accounting for you. By registering on the company's website, you receive a free trial period with access to all services.

Let's look at who this service is intended for

Today, there are many organizations and companies that primarily differ in their organizational and legal forms and tax system. The main types of organizational and legal forms of an enterprise are individual entrepreneurs (IP), limited liability companies (LLC), non-profit organizations(NPOs) and municipal unitary enterprises (MUP).

Online accounting is suitable only for individual entrepreneurs and LLCs. This information must be taken into account when choosing how to conduct accounting for your organization. In addition to organizational and legal forms, companies also differ in taxation systems. There are two main types of business taxation systems - the general scheme (OSNO) and the simplified scheme (STS).

BASIC – general system taxation. On general scheme It is necessary to maintain classical accounting records. Of all the above, this is the most unfavorable regime for the company, but for large organizations other taxation systems are often simply impossible.

simplified tax system– simplified taxation system. This special mode aimed at reducing the tax burden on small and medium business, as well as to facilitate and simplify tax and accounting. You can switch to the simplified tax system immediately upon registering your business. Almost all individual entrepreneurs operate under a simplified taxation system. There are subsections of the simplified taxation system: simplified tax system 6%, simplified tax system 15%, UTII, unified agricultural tax.

STS 6% is also called “STS income”. With this taxation system, 6% tax is paid on all amounts earned during the period. For example, a company sells cement. During the second quarter, the company purchased goods in bulk for 100 thousand rubles and sold them at a very high markup for 300 thousand rubles. The tax in the case of “income” will be 300 thousand * 6% = 18 thousand rubles.

STS 15% is also called “income minus expenses”. For most regions this tax is 15% (for some - 5, 10%). Under this taxation system, tax is paid on the difference between income and expenses for the period. Let's consider the same situation: a company sells cement. During the second quarter, the company purchased goods in bulk for 100 thousand rubles, and sold them for 300 thousand rubles. The tax in the case of “expenses” will be (300 thousand – 100 thousand) * 15% = 30 thousand rubles.

UTII- a single tax on imputed income. This tax replaces the usual ones. Only an organization that is engaged in certain activities (vehicle transport services, retail, catering services, etc.). UTII is regulated by municipal laws, the tax rate and types of activities may vary in different areas. Some organizations combine simplified taxation system and UTII.

Unified agricultural tax– single agricultural tax. This tax applies to agricultural producers and fish farms.

Internet accounting “My Business” is intended only for companies (individual entrepreneurs or LLCs) operating under the simplified tax system 6%, simplified tax system 15% and/or UTII. This service is not suitable for organizations that pay taxes under OSNO or Unified Agricultural Tax.

Features and advantages of the “My Business” service

First, you must register on the company’s website, select the appropriate tariff (there are several, depending on whether the organization has employees and how many) and pay for monthly services. After this, you will have access to your personal account, in which you can work at any convenient time and place where there is Internet access. In your personal account, you indicate the details of your company, and a personal tax calendar is generated for you. As you can see, everything is quite simple!

Let's take a closer look at the “My Business” personal account.

The first page of your account displays general information. You will see tabs such as “Home”, “Money”, “Documents”, “Inventory”, “Agreements”, “Cash”, “Counterparties”, “Salary”, “Employees”, “Forms”, “Analytics”, "Webinars".

In addition, the following services will be on the first page:

• Balance on the main current account.
• Selected documents.
• Expert consultations.
• Company business card.
• Contacts with technical support, instructions for using the service, ID, creating a one-time password.
• Information about the owner of the personal account, details of the organization.

More about tabs:

Tab "Home" contains the following services:

• Activity– tabs for creating counterparties and primary documents(these pages are also located in the “Counterparties” tab).
• Tax calendar– creation of reports, payment slips for paying taxes and contributions. The reports made can be sent to government agencies using the Internet service, Russian Post, or submitted during a personal visit.
• Analytics– the “Analytics” tab is duplicated.
• Electronic reporting– statistics on reports sent via the Internet, correspondence with government agencies and reconciliation with the Federal Tax Service.

In tab "Money" accounting tools have been collected monetary transactions organizations:

• Cash book layout and KUDIR. They can be downloaded and printed. The cash book is used to record receipts and cash disbursements at the organization's cash desk. KUDIR is a book for recording income and expenses; all individual entrepreneurs and organizations using a simplified taxation system are required to maintain it. It displays all business transactions for the reporting period in chronological order.
• Information on income and expenses. It can be entered manually or using a bank statement. When integration with Intesa Bank is configured, information on income and expenses from the current account is automatically sent to the service.
• Sending payment orders. With integration configured with Intesa Bank, payment orders can be sent to the online bank, where the payment is then confirmed and the money is transferred.

Internet accounting “My Business” is integrated with the services of some banks. Organized between them electronic document management. Thanks to this, it is possible to automatically exchange statements and payment orders between the “My Business” service and your current account, if, of course, it is opened in the appropriate bank. And all data from the statements is automatically reflected in accounting and tax accounting. Integration is available with the following banks: Alfa Bank, Intesa, MDM, SDM, Lokobank, Sberbank, Modulbank, Otkritie, Promsvyazbank. In addition to banks, integration is available with some other companies: Yandex. Money, Pony Express, Robokassa, Sape.

In tab "Documentation" You can create invoices, acts, invoices and invoices. In addition, this tab has a button for creating documents. To issue an invoice, you need to select it from the list. After this, the header opens and a convenient method is selected:

• download, print and transmit;
• send to email client;
• provide a link to payment by bank card or through Yandex. Money.

In the "Inventory" tab It is possible to issue an invoice for payment, ship or receive goods and materials, and transfer them from one warehouse to another. You will see all the information on the arrival, departure and balance of goods on this moment. For each movement in the warehouse, an invoice is created. It is also possible to select a warehouse or create a new one.

In the "Contracts" tab you can create new agreement, download the contract template and view statistics on previously created contracts. When creating a new contract, you must select a client and a contract template from the pop-up list for auto-filling. Nineteen will be available to you standard templates contracts that were created by “My Business” experts. If you have your own template, then you can upload it to the service and work on it.

Cashier tab works as a draft. All information comes from the “Money” tab. Here you can create draft PKOs (receipt cash orders) and RKOs (settlement cash orders).

Tab "Counterparties". In this tab, you can create a client, partner or counterparty, check your counterparty using a reconciliation report or an extract from the state register, and also view statistics on counterparties.

Counterparties are clients or partners with whom your company enters into contracts. Naturally, special tools have been created to work with them.

In the "Salary" tab information on payments to company employees is displayed:

• Calculations for all employees.
• Calculations for each employee.
• Documents for employees: payslip, pay sheets, statement of taxes and contributions, time sheet.
• Payments to employees.

Employees Tab will allow you to make calculations for vacation or sick leave. To do this, you need to select the employee's absence dates. Open calculation formulas will appear in front of you and total amount for payment.

Forms tab will make your life easier by not having to search for information on the Internet and try to understand how relevant or outdated it is. You will have verified data at your disposal in the “Forms” section (more than 2000 forms various documents, regulatory documents - laws, regulations, etc.).

Analytics tab will allow you to view statistics of income, expenses and profits for various periods of activity by month. For example, you can download payment statistics and compare data for different periods.

In the "Webinars" tab you will find video materials on changes in legislation, video instructions on working in your personal account, interviews with successful businessmen and experts.

So, we got acquainted with the main tabs of the “My Business” service. But not all of them are available to every client; it will depend on the tariff you choose. Let's take stock.

Online accounting will allow you to automatically calculate salaries, accrue sick leave and vacation pay, keep accounting records, and send reports via the Internet.

In your personal account of the “My Business” service, you can create an invoice, agreement, act, invoice, etc. in just a few clicks.

The smart service itself will remind you of the deadlines, calculate taxes and send reports. In addition, the system will check the counterparty and also check with the tax office.

If necessary, you can always ask questions about reporting, documents, etc. to support service specialists. Consultants will answer these questions within 24 hours. The number of requests is unlimited.

It is possible to automatically exchange statements and payment orders between the service and your current account.

There are several tariffs, varying in cost and services, among which you can choose the most profitable for yourself.

Through mobile app for iPhone “My Business” you can use online accounting at any time and from anywhere.

We provide clients with an easy-to-use online accounting solution + “ online automation trade."

The “My Business” application allows you to upload data to the My Business online accounting service in order to maintain correct accounting records.

1. Log in to the application, section Applications → My Business
2. In the “About the project” tab, check out the capabilities of the service
3. In the “Synchronization” tab you will see a list of your legal entities that you can link to an account in My Business or create new account in My business.

1. Create a new account in My Business and link your legal entity

Click on the button

opposite the legal entity required for the connection. In the window that appears, enter your registration information.

Snap existing account in My Business

Sending data

The application allows you to upload Z-reports on shifts of cashiers, contractors and goods.

Z reports

Everything will be uploaded to “My Business” closed shifts, from the moment the account “My Business” and Subtotal were linked. In the "Money" section you can find uploaded cash transactions.

Counterparties

Clients and suppliers in Subtotal are synchronized with counterparties in My Business. In Subtotal these are the sections “Directories / Clients” and “Directories / Suppliers”, in “My Business” - the section “Counterparties”. Synchronization is performed in both directions - clients from Subtotal end up in “My Business” and vice versa. Changed clients in Subtotal after synchronization will be changed in “My Business”.

Goods

Products in Subtotal are synchronized with products in My Business. In Subtotal these are the “Directory / Products” sections, in “My Business” - the “Inventory” section. Synchronization is performed in both directions - products from Subtotal go to “My Business” and vice versa. Changed products in Subtotal after synchronization will be changed in “My Business” and vice versa.

Documentation

When synchronizing documents, the following documents are uploaded from Subtotal to My File:

• Sales individuals included in retail sales reports (documents menu, section Retail sales reports)
• Sales legal entities go to the Sales / Invoices section (documents menu)
• Incoming documents go to the Purchases / Invoices section (documents menu)

Disconnect from "My Business"

You can disable synchronization from the My Business service. To do this, click on “Disconnect from “My Business””. After this, all synchronization information for the selected legal entity from “My Business” will be deleted.