Internet accounting. Pros and cons of online accounting services

Relatively recently, an affiliate program called “My Business” appeared in Russia, the main goal of which is to implement online accounting. The product is becoming increasingly popular, and during its existence has already managed to attract hundreds of thousands of adherents to its side. And this is not surprising. After all, the system is able to take over the entire accounting routine, as well as provide the user with relevant expert advice and services.

About company

The history of the service called "My business" began in 2009. The company was founded by two businessmen working in the field of IT technologies - Maxim Yaremko and Sergey Panov. Already in 2010, their offspring made such a significant contribution to the development of the Russian Internet in the field of "Economy and Business", which became the winner of the prestigious "Runet Prize". In 2011, the company was included in the top five most promising companies in the Expert Online category.

To date, Moe Delo is a real leader in the Russian market in the field of accounting, as well as personnel and tax document management. The company, headquartered in Moscow, has about four hundred employees.

Advantages

What does the Internet accounting department "My business" offer? User reviews claim that the cloud service allows them to pay taxes and fees in just a few clicks, submit any reports via the Internet, generate acts, contracts, invoices, invoices, etc. In addition, thanks to the integration of the service with such large Russian banks , as Promsvyazbank and Alfa-Bank, SDM-Bank and LOKO-Bank, statements from the client's accounts are automatically downloaded for the user by the Internet accounting "My Business".

The client's personal account, which a businessman can enter using an electronic key, stores and displays all the data received. At the same time, cash flows are automatically distributed by income and expense items, tax amounts are calculated, etc. This is what attracts entrepreneurs to the Internet accounting department “My Business”. Feedback from small business owners, especially those who do their own reporting, says that this greatly simplifies their work.

To date, the main advantages of the service in the Russian market are:

Using the "one window" mode, that is, combining in one service everything that is necessary for accounting and personnel records;
- transparency of calculations with a detailed explanation of each figure, which eliminates additional verification on the calculator;
- implementation of professional consultations, which are offered to its users by the Internet accounting department "My Business" for free;
- sending reports to the FSS, FTS, Rosstat and PFR via the Internet, without installing special software on a computer.

What else attracts customers to Internet accounting "My business"? User feedback emphasizes the convenience of the tax calendar available in the system, which controls the deadlines, and also warns of the submission of reports and payment of the necessary contributions via SMS or emails. In addition, customers of the service can get acquainted with webinars and video tutorials conducted by specialists, where the procedure for registering an organization, keeping records, calculating taxes, generating documents on business activities and personnel records, etc. is accessible and understandable.

Security

How confidential is My Business online accounting? The reviews of the specialists who created the service claim that there is no risk of data loss for the client at all. All documents are encrypted during transmission with the SSL code used in the largest banks. In addition, all client information is stored on special servers in Europe, and financial damage is fully insured.

Main users

Today, according to the current legislation, a company can choose for itself one of the many organizational and legal forms and taxation systems. However, from an extensive list, novice businessmen, as a rule, choose:

IP - individual entrepreneurship;
- LLC - a limited liability company;
- NPO - non-commercial type of organization;
- MUP - a form of municipal unitary enterprise.

For which organizations does My Business online accounting work? Service services are intended only for LLCs and individual entrepreneurs. Anyone who is interested in doing business through this program should take this information into account already at the stage of choosing a legal form.

There are differences between companies and the system of taxation adopted by them. There are only two of them. and simplified - (USN). In the first of them, the organization must keep accounting in its classical form. This regime is unprofitable for small companies, but large organizations cannot refuse it. With a simplified taxation system, an enterprise has a lower tax burden. Such a regime is legally provided for small and medium-sized businesses and has four varieties: USN 6%, 15%, as well as UTII and ESHN. Who is the new online accounting for? For IP USN of the first three types. These are the systems:

- "STS income", when the tax is paid in the amount of 6% of the amount of revenue for the reporting period;
- "income minus expenses" with the application of taxation in the amount of 15% of the difference between the amount of revenue and the amount of costs incurred;
- a single tax on imputed income, the rates of which are regulated by municipal laws.

There is also It is used by organizations of the agro-industrial sector. However, the My Business program does not work for this business.

Service cost

What fees does Moe Delo (Internet Accounting) charge from its clients? Service fees vary. They are selected by each user individually and depend on the requirements and financial capabilities. For example, online accounting for an individual entrepreneur working without employees will cost 333 rubles per month. This is the cheapest service plan. Larger individual entrepreneurs and Moe Delo LLC (online accounting for small businesses) offer a more extensive list of services, which will cost 1,499 rubles. per month. This is the most expensive tariff plan of the system. The minimum subscription period for these services is 12 months.

According to customer reviews, the service called "My Business" is a very profitable online accounting for a start-up business, allowing entrepreneurs to save time and money on paperwork.

registration

The service provides the opportunity to open your own business in minutes and at any time. This can be done from anywhere in our country, and absolutely free. To do this, you need to study the appropriate instructions and apply it in practice. Within 15 minutes your own business will be open! This service is provided to those who decide to open an individual entrepreneur or LLC.

After registering on the company's website, you will need to choose a suitable tariff plan for yourself and pay the amount for monthly maintenance. All this will give access to your personal account. It will be possible to work in it at any time convenient for the entrepreneur and where there is an Internet and a computer.

Service set

According to user reviews, the interface of the site that hosts accounting for small businesses is quite simple and easy to use. Its color scheme is chosen in such a way as not to irritate the eyes. It is noted by customers and conveniently built site navigation. All items have a clear and logical division. The internal structure of the program is thought out to the smallest detail. Customer reviews about the opportunities and benefits that online accounting provides can be read on the main page of the program.

The service receives good user reviews due to the extensive list of services provided. In addition, customers can always get free individual expert advice, individual training, etc. It is also noteworthy that the company assumes financial responsibility for the quality of the services provided.

Online accounting for individual entrepreneurs and small businesses offers:
- Compile documents and perform transactions in the "cloud". In just a few clicks, invoices and contracts, invoices and acts appear in the program, and payroll is also calculated.
- Calculate taxes, send reports, pay online fees, and check with the inspection of the Ministry of Taxes.
- Automatically exchange payment orders and bank account statements.
- Conduct business analytics using graphs and charts.

Preliminary acquaintance with the program

Starting entrepreneurs can try the My Business service (online accounting) for free. To do this, you will need to go through a simple registration procedure on the main page of the program. After filling out a simple data plate, you just need to click the "Try it for free" button. After that, the form of doing business and the desired taxation system are selected. Detailed information about working with the server can be found in the attached video.

Getting to know your personal account

How does the online accounting "My business" work? The description of the first page of the personal account, where the user first of all gets, is quite accessible and understandable. Tabs with the following names appear on the screen: “Main” and “Money”, “Documents” and “Inventories”, “Agreements” and “Cashier”, “Contractors” and “Salary”, “Employees” and “Banks”, “Analytics and Webinars.

In addition, the first page of your personal account contains such services as:
- balance on the r / account;
- expert advice;
- selected documents;
- instructions for the service, contacts with technical support, creating a password;
- business card of the company;
- details of the organization - the owner of the personal account.

Consider the functionality of all these tabs in more detail.

"Home"

This tab includes services such as:
1. Activities. Using this tab, the user creates primary documents and enters information about his counterparties.
2. Tax calendar. It is needed for compiling reports and making payments on them.
3. Analytics. It duplicates the tab of the same name.
4. Electronic reporting. Using this tab, statistics are compiled on those reports that were sent via the Internet.

"Money"

This tab is a tool for the implementation and accounting of financial transactions of the organization. It contains:
1. KUDIR and cash book layout. These documents can be downloaded and printed at any time. The cash book records the amounts of cash receipts and disbursements made by the organization. KUDIR (book of accounting for income and expenses) is maintained by all individual entrepreneurs and organizations with the simplified tax system. This document, in chronological order, reflects the business transactions that took place in this reporting period.
2. Information on available income and expenses. It is entered either manually or using a bank statement.
3. Service for sending payment orders.

"The documents"

Using this tab, the user is given the opportunity to generate invoices and acts, invoices, etc. To create documents, select the required one from the list, and then select the action algorithm. Subsequently, the form can be:
- downloaded, printed and transferred;
- sent by e-mail to the client;
- posted with a link to pay either with Yandex Money or with a bank card.

"Stocks"

This tab provides an opportunity to issue an invoice necessary for payment, accept or ship materials or goods, transfer products from warehouse to warehouse.

At the same time, the user has information on receipts and expenditures, as well as stock balances at a given point in time.

"Contracts"

This tab provides many options. Using it, you can download a template, create an agreement and view statistics on concluded deals.

A client is selected to create a new document. In this case, you must select the required contract template from the pop-up list. It will be filled in automatically.

Nineteen templates of various contracts are available to the client, which were created by the experts of the service. Your own version of the document can also be loaded into the program.

"Cash register"

This tab works as a draft. Information from the Money service flows here. Draft receipts and settlement cash orders can be created here.

"Contractors"

This tab is intended for entering information on clients and partners. Here, counterparties are also checked using an extract from the state register, and statistics are generated for all organizations with which contracts for the supply or sale of products were concluded.

"Salary"

On this tab, you can see all the information on the payment of monetary remuneration to company employees. Namely:
- calculations in general;
- calculations for each employee;
- payrolls;
- time sheet;
- statements on taxes and contributions;
- payment of monetary rewards.

"Staff"

"Blanks"

This tab, which contains the My Business service (Internet accounting), greatly simplifies the life of entrepreneurs. Using the program, they fill out the currently valid forms of forms, without thinking about their relevance. Users have more than 2000 different samples at their disposal, from which it is easy to choose the right one.

"Analytics"

Using this tab, the user can view statistics on their income, expenses, and profits. Moreover, this can be done for different periods in the context of months.

"Webinars"

This tab contains videos that introduce you to changes in legislation. There are also video instructions here that provide invaluable assistance in working with your personal account. The user can also view various interviews with experts and successful businessmen.

These are the tabs that the My Business service contains - Internet accounting. However, not all of them are available to the client. The number of tabs to open depends on the selected tariff.

additional services

"My business" - online accounting for small businesses - is a truly unique system. The program opens access to additional services, with the help of which the client can increase the number of his customers and, accordingly, profit.

So, after opening a business, novice businessmen can use outsourced accounting. This will reduce the risks of incorrect documentation and save money on attracting a specialist.

Offers the My Business service and the free Nethouse constructor, with which you can create web pages. In this case, the user does not need special knowledge in the field of programming. Using a set of tools, each client is able to easily create an online store, a business card site or an official portal.

Another advantage of the service is an interesting affiliate program that provides an opportunity to add your product or service to the website of one of the most profitable online stores. By placing his offer on a resource frequently visited by buyers, a businessman greatly increases the chances of receiving additional profit.

2017. Online accounting My Business presented New Year's chips

It's cool when the service director himself introduces new features. And before the New Year, there is a great opportunity to combine such a presentation with congratulations to customers. This is exactly what they did in the accounting service My Business. Moreover, the new features that Sergey Panov spoke about are really useful. These are synchronization with Internet banks, data transfer from 1C to My Business, new integrations with AmoCRM, Yandex.Checkout, Evotor, Subtotal, Insales, Robokassa, a public API interface, electronic document management and an updated inventory system that allows you to quickly find products, download a list of goods in the invoice from a file, view sales analytics, download data from OFD.

2017. Online Accounting My Business launched accounting outsourcing

Someday (about 5 years from now) your company's accounting will be managed by artificial intelligence. In the meantime, the best solution (at least for small businesses) is accounting outsourcing. It is simple (no need to look for a good accountant) and cheap (the cost of the service is usually less than the salary of an accountant). Recently, the direction of accounting outsourcing was opened by the provider of one of the leading online accounting departments - Moe Delo. They organized a whole team of accountants and lawyers and distributed tasks between them in order to resolve all issues quickly and efficiently. And by the way, artificial intelligence (in the form of a bot) also works there. In addition, since this is an online bookkeeping, you can control it in real time, wherever you are. The cost of the service starts from 3500 rubles / month.

2017. Internet accounting My business has been integrated with Sberbank Business Online

The online accounting service My business is integrated with the Sberbank Business Online remote banking system. Clients of the accounting service and current account holders with Sberbank can now automatically transfer data on cash flows. What gives entrepreneurs the integration of services? Bank statements are uploaded to My Business, and the generated payment orders are uploaded and sent to the bank. Tax and accounting reports are generated in the personal account of the My Business service. There is no need to enter your username and password multiple times. Integration options are available not only in the My Business service, but also in the Online Accounting partner service, which is part of the Sberbank ecosystem for corporate clients.

2015. Online accounting My business launches its own mobile operator

We recently reported that Gazprom created a corporate mobile operator (over the Megafon network) for its employees. And now the online accounting provider My Business has come up with the idea of ​​​​creating a virtual mobile operator (over the Beeline network) for its customers. What's the point of this? Obviously, the mobile operator (in this case, Beeline) gets an additional sales channel for business users, My Business gets a new way to bind customers to themselves, and customers get the opportunity to pay for 2 services at once to one supplier and an additional discount. According to the representative of My Business: "the user will be able to save on the payment for the service from 15% to 100%, simply by paying for communication." At the moment, the virtual operator My Business is working in test mode.

2015. Internet accounting My business was integrated with Interkommerts bank

Intercommerce Bank has completed the process of integrating the Internet accounting service Moe Delo with its Internet banking for legal entities. Now all the bank's clients - individual entrepreneurs and legal entities - will be able to fully automate bookkeeping in their company, which will simplify the tedious process of entering payment orders and reconciling statements. The service allows you to automatically generate all types of reports and declarations necessary for the client, schedule reminders of the need to make payments, make payments, submit reports electronically to various government agencies (the Federal Tax Service, the Pension Fund of the Russian Federation, Rosstat, the Social Insurance Fund), receive statements for your company or for any of the counterparties. The service has an accounting consulting service and, moreover, if necessary, the service will inform about all relevant changes in legislation, including tax, and will make appropriate updates to accounting entries, the bank said.

2015. My business launched the Bureau service for compiling documents and checking counterparties

Online accounting My business launched the Bureau service, designed to assess the reliability of partners and draw up documents. The service is able to check the registration data and details of the counterparty, provides an extract on it from the Unified State Register of Legal Entities, and also collects information about arbitration cases involving the company. In addition, the Bureau contains more than three thousand samples of documents that can be automatically filled in with details from the system. The service can also warn about the likelihood of tax audits and planned audits of various inspections. Two subscription options are offered: Standard and Pro. The second is distinguished by the presence of individual consulting from lawyers, tax consultants and personnel specialists on operational issues. The cost starts from 16500 rubles for 6 months.

2015. Online accounting My business has been integrated with MDM Bank

MDM Bank has completed the integration of the E-plat Internet bank with the My Business online accounting system, which has expanded banking and accounting services for entrepreneurs. The new service allows customers to get a simple and convenient way of doing bookkeeping and paying taxes by automating a number of operations. To do this, you need to link a bank account to Internet accounting in the Internet bank, as well as in your My Business account. After connecting, bank statements are automatically uploaded to the My Business service, the system independently distributes funds by expense and income items, calculates the amount of taxes and contributions. Also, users will be able to create payment orders in Internet accounting, and only confirm their sending in Internet banking.

Now, with the help of My business online accounting, you can issue online invoices that are paid by Yandex.Money. How it works? The entrepreneur in the personal account of "My Business" issues an invoice to his client and selects the "Online" link. The My Business service generates a page with an online invoice. The user sends a link to the online invoice to the client, who, upon receipt of the document, enters the full name of the payer and clicks "Pay". Then it goes to the payment method selection page. You can pay with any bank card, through a Yandex.Money wallet, as well as in cash at ATMs, self-service terminals and mobile phone stores. The commission will be 3% of the payment amount, but not less than 30 rubles. Immediately after the payment, the client receives an email confirming the transaction.

2015. Accounting My Business became available to Fingeroo users

Online service for bookkeeping My business expands the circle of partners. Previously, they entered into a joint customer service agreement with the Button business service, and now they have formed the same partnership with Finguru accounting firm. Both partners offer the service of full accounting, tax and personnel records, including coverage of financial risks. Existing clients of "Buttons" and "Finguru", in turn, have the opportunity to transfer all their accounting to the "cloud". At any tariff, the client is provided with the assistance of a professional accountant who will keep accounting for him - this minimizes the possibility of errors and reduces the cost of maintaining a specialist in the state. The client, if desired, can at any time access his financial and accounting records and check the work of an accountant.

Online accounting My business has added a new tariff Extended OSNO + UTII, designed for accounting of an enterprise with a taxation system - OSNO and UTII. The service allows you to keep a cash register, full-fledged accounting of the organization's cash flow (there is an automatic download of a bank statement, the formation of all necessary bank and cash documents), accounting for receipts and shipments of goods (works, services), maintain a warehouse and fixed assets, calculate salaries, allowances, vacation pay , travel and other payments to personnel, view analytics, generate the necessary reports to the tax (including income tax, UTII, VAT, personal income tax, average headcount, annual financial statements) to funds (FSS, PFR) and Rosstat.

2014. MDM Bank and My business launched a service for registering individual entrepreneurs and LLCs

A new free service from MDM Bank and online accounting My Business will allow novice entrepreneurs to prepare a complete set of documents for registering their company in just 15 minutes. In order to use the service, the client needs to fill out an application with tips on the site. Then the service will automatically check the correctness of the specified information and generate documents in accordance with the legislation of the Russian Federation. Further, following the instructions, the user needs to download and print documents, and then submit them to the tax office. The next stage of registration is the free opening of a current account with MDM Bank and connection to the remote customer service system. The new service is available on all types of devices: laptops, PCs, iPhones, iPads and others.

Button Service, which provides services of outsourcing bookkeeping, legal issues and everyday worries, has agreed on a partnership with the Internet accounting service My business. And already at the beginning of autumn, every Moscow entrepreneur will be able to give his business for service to Knopka and use the My Business service as part of a single package of services. At the same time, Knopka specialists will keep the client’s accounting in My Business so that he continues to work in the familiar interface of the cloud service. My Business is a large online service for entrepreneurs and accountants with a set of convenient tools for bookkeeping, tax calculation, reporting and document creation.

2014. My business and Seeneco launch analytics for small businesses

Online accounting My business and Seeneco online business intelligence service have implemented the integration of their solutions, which allows you to get convenient business intelligence for self-employed businessmen. Now, right in the My Business personal account, an entrepreneur can analyze his business indicators, such as income, expenses, profit, etc., and get a clear analysis of the structure and dynamics of payments. The service helps to notice unfavorable trends in your business in time, for example, an increase in expenses, and make the necessary management decisions in time. The user receives all data in a few minutes. Now you do not need to spend precious time on manual data processing in excel and hire an experienced analyst: all indicators are always "at your fingertips". Note that Seeneco has the same integration with Kontur-Accounting and 1C.

2013. Online accounting My Business integrates with Internet banks

SaaS-accounting My business implemented integration with SDM-BANK Internet banking. Now the company's clients of this bank can control their accounts and banking operations directly from their accounting department. To calculate tax payments and generate payment orders, you need to enter the main details of the company once, information about current accounts and connect electronic reporting. Further, bank statements are loaded into "My Business" automatically, and the system independently distributes funds by expense and income items. Based on these data, the system calculates the amounts of taxes and contributions. The user only has to create a payment order (the system will substitute the current details, indicate the purpose of the payment, fill in all service fields) and upload them to the Internet bank in two clicks. In addition to SDM Bank, My Business is integrated with Alfa-Bank, SB Bank and Promsvyazbank Internet banks.

2011. Keep your money in "My Case"

The online accounting service My business bought a reinforced SSL certificate, which is superior in level to the certificates of most Russian banks. According to the representatives of the service, My Business became the first Russian SaaS provider using an SSL certificate of such a high level of protection. In addition to the increased level of security, now the service also has a trendy green line with the name of the company (Moe Delo Ltd) in the address bar of the browser.

Online Accounting My Business has added support for accounting for LLCs on the simplified tax system. At the moment, in the LLC mode, the service will remind you when, what reports and where to submit, calculate payroll taxes at standard rates, calculate and generate payment orders for paying tax according to the simplified tax system 6% or 15%, generate all primary documentation - invoices, acts, invoices and contracts . So far, the calculation of taxes on salaries has been done in a general way, but the developers promise to soon add the ability to detail the salaries for each employee, plus take into account the unofficial salary. Until now, My Business has supported only IP schemes on the simplified tax system 6% and 15%.

2010. My business will help with online payments

MoeDelo online accounting has launched a service that allows individual entrepreneurs and LLCs to officially accept payments from customers (individuals) with electronic money and VISA/Mastercard cards for their services. Instead of a request to transfer money to an electronic wallet, the seller (using the service) issues an electronic invoice to the client for payment and receives the money to his bank account with all supporting documents for the tax office. The service commission is 6% of the payment amount. In fact, this is equivalent to the fact that the user paid you in cash through Sberbank and the money went to the current account.

2010. Moe Delo and NaOplatu.ru have decided on prices

Russian online accounting services My Business and NaOplatu.ru have made some changes to their products, and also decided on pricing. A new service has appeared in the online accounting department of My Business for free preparation of documents for registering an individual entrepreneur, and starting from March it will be possible to submit electronic reporting through the service with one click (for 150 rubles). As the creators promised, they left the free version (with the ability to create reports for individual entrepreneurs and a tax calendar). Paid versions with additional useful features will cost from 1800 rubles/year. As for the service for billing NaOplatu.ru, there is an opportunity to create regular invoices and a feature for autofilling invoice fields. The cost of the service was almost halved, for example, a plan for 50 accounts per month costs 490 rubles.

2010. Accounting 2.0: real value

In a post about the Russian SaaS startup Moe Delo, we mentioned that the Western market has already reached the stage when entrepreneurs' fear of SaaS has given way to an understanding of the benefits of using accounting as an online service. This is evidenced by the huge number of emerging (paid) accounting services that constantly report an increase in the number of customers and investments received. By the way, it is interesting that the main investors (and providers) of SaaS accounting are the leading providers of traditional accounting software: Intuit (QuickBooks), Sage and MYOB. So what is the value of Accounting 2.0?

2010. My business - online accounting for Runet from Germany

Finally, SaaS services for bookkeeping are starting to appear in Runet. The delay is understandable - most businesses are not yet ready to hand over their financial information to a third-party service provider. However, the history of the development of the Western market shows that it is only a matter of time before the fear of SaaS gives way to an understanding of the benefits of such a scheme, and a large number of online accounting systems appear on the market. The first sign in this area can be called the My Business service, which started about a month ago. This is an online accounting for (Russian) individual entrepreneurs and small businesses operating on a 6% simplified tax system.

Today, more and more companies and individual entrepreneurs are moving from a standard accounting and outsourcing system to online accounting. The answer to the question "why is this happening" is simple - it is convenient and profitable. After all, companies that use online accounting no longer need a permanent full-time accountant or turn to third-party organizations for services. 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 if there is demand, then there is supply. Let's take an example of one of online accounting service "My business" all the features and benefits 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 an automatic exchange of documents with partner banks, which will take seconds and save hours of your time. All bank statements will automatically be split into expenses and income, the whole process will be fully displayed in your personal account. The tax calendar controls the deadlines and reminds you in advance of the submission of reports and payment of contributions via sms and e-mail. Video tutorials and webinars of the service will tell you about registration and starting a business, keeping records and calculating taxes, generating reports and personnel records. And if you have any questions, the service specialists will answer you, regardless of the complexity of the situation.

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

Let's take a look at who this service is for.

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

Online accounting is suitable only for individual entrepreneurs and LLCs. This information must be taken into account when choosing the method of 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 one (STS).

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

USN- Simplified taxation system. This special regime is aimed at reducing the tax burden on small and medium-sized businesses, as well as facilitating and simplifying tax and accounting management. You can switch to the simplified tax system immediately when registering a business. Almost all individual entrepreneurs work on a simplified taxation system. There are subsections of the simplified taxation system: USN 6%, USN 15%, UTII, ESHN.

STS 6% is also called "STS income". With such a system of taxation, a 6% tax is paid on all amounts earned during the period. For example, a company is engaged in the sale of cement. During the second quarter, the company purchased goods in bulk for 100 thousand rubles and sold them with a very high markup of 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 system of taxation, tax is paid on the difference between income and expenses for the period. 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 regular ones. Only an organization that is engaged in certain activities (motor transport services, retail trade, catering services, etc.) can switch to this taxation system. UTII is regulated by municipal laws, the tax rate and types of activities may vary in different areas. Some organizations combine the simplified tax system and UTII.

ESHN- unified agricultural tax. This tax applies to agricultural producers and fish farms.

Internet accounting "My business" is intended only for companies (IP or LLC) operating under the simplified tax system 6%, simplified tax system 15% and / or UTII. For organizations that pay taxes on OSNO or ESHN, this service will not work.

Features and benefits of the My Business service

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

Let's get acquainted in more detail with the personal account "My business".

The first page of your account displays general information. You will see such tabs as "Home", "Money", "Documents", "Stocks", "Agreements", "Cashier", "Contractors", "Salary", "Employees", "Forms", "Analytics", "Webinars".

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

• Balance on the main account.
• Selected Documents.
• Expert advice.
• Company business card.
• Contacts with technical support, instructions for working in 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 "Contractors" tab).
• tax calendar– creation of reports, payments for taxes and contributions. The reports made can be sent to government agencies using the Internet service, Russian Post, or transferred 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" collected tools for accounting of monetary transactions of the organization:

• Cash book layout and KUDIR. They can be downloaded and printed. The cash book is used to record the receipts and disbursements of cash at the cash desk of the organization. KUDIR is a book of accounting for income and expenses, it is required to keep all individual entrepreneurs and organizations using a simplified taxation system. 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. With configured integration with Intesa Bank, information on income and expenses from the current account is automatically sent to the service.
• Sending payment orders. With configured integration with Intesa Bank, payment orders can be sent to the Internet Bank, where the payment is only confirmed and the money is transferred.

Internet accounting "My business" is integrated with the services of some banks. An electronic document flow is organized between them. 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 corresponding bank. And all data from 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 "The documents" you can create invoices, acts, waybills 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 that, the header opens and a convenient method is selected:

• download, print and transfer;
• send to the client's e-mail;
• set a link to pay by credit card or via Yandex. Money.

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

In the "Contracts" tab you can create a new contract, download a 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 autocompletion. You will have access to nineteen standard contract templates created by My Business experts. If you have your own template, then you can upload it to the service and work on it.

Checkout tab works like a draft. All information comes from the "Money" tab. Here you can create draft PKO (incoming cash orders) and RKO (settlement cash orders).

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

Counterparties are customers 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 employees of the company is displayed:

• Accounts for all employees.
• Accounts for each employee.
• Documents for employees: payroll, payslips, payroll for taxes and contributions, timesheet.
• Employee payments.

Employees tab will allow you to calculate vacation or sick pay. To do this, you need to select the dates of absence of the employee. You will see open calculation formulas and the total amount payable.

Forms Tab will simplify your life by not having to look for information on the Internet and try to understand how relevant or outdated it is. At your disposal will be verified data in the "Forms" section (more than 2000 forms of various documents, legal documents - laws, regulations, etc.).

Analytics tab will allow you to view statistics of income, expenses and profits for various periods of activity by months. 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 sum up.

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

In the personal account of the My Business service, you can create an invoice, contract, 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, as well as check with the tax.

If necessary, you can always ask a question about reporting, documents, etc. to support service specialists. During the day consultants will answer these questions. The number of calls is unlimited.

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

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

Through the mobile application for the iPhone "My business" you can use online accounting at any time and from anywhere.

The My Business service helps entrepreneurs and organizations minimize bookkeeping and reporting efforts, save time and focus on growing their business.

The user registers in the system, enters his data, on the basis of which a personal tax calendar is formed. From now on, the main page will display reminders of reports and payments.

Details that are entered into the system during registration will be automatically pulled up when generating reports, payment and primary documents. The user is relieved of the need to enter details manually each time.

Formation and sending of reports

The process of preparing reports takes no more than a couple of minutes. Forms are filled out on the basis of information that was entered into the system during the reporting period and a bank statement.

The finished report can be saved, printed or immediately sent to the desired authority if an electronic signature is connected, which is issued free of charge in the service. In your personal account, you can track the status of submitted reports, as well as see comments or questions from the tax office.

Calculation and payment of taxes

The service itself calculates the amounts due to be paid to the budget in accordance with the requirements of the law, and offers options for reducing the tax. The calculation is visible to the user on the screen.

After the calculation, in one click, a payment order is generated with the current CCC. You can pay the tax immediately in any convenient way: by electronic money, by card or through the Internet bank directly in the service.

Users can check with the tax office online and ask questions.

Invoicing and processing of primary documents

Invoices, waybills and acts are formed with filled in details, seal and signature. The counterparty is sent a link to the account, through which he can make payment in any convenient way. It is possible to set up automatic billing with the desired frequency.

Accounting

In the version for organizations, the amounts are automatically collected on the accounting accounts, and the totals are reflected in the balance sheet.

Users of the service have access to a database of regulatory documents, up-to-date forms and contract templates for all occasions, and also have the opportunity to receive expert advice around the clock.

Service integration with banks and not only

For the convenience of users, the My Business service provides integration with banks, payment systems, and other services. This simplifies the work of both accountants and entrepreneurs if they keep records on their own.

Integration with banks

Easily connects to your personal account. After that, it will be possible to download a statement for the required period from your Internet bank by pressing one button. All receipts for and write-offs, together with the amounts, counterparties and payment purposes, will be independently distributed in the service.

You can pay the calculated tax with the integration enabled in two clicks. You just need to upload the payment form generated in the service to the Internet bank. All that remains to be done is to confirm the payment. No additional details need to be filled in.

With some banks, you can set up an automated exchange of electronic documents, statements and payment orders between the user's current account and the My Business service.

Among the partners of the service are such large banks as:

• Alfa Bank;
• Tinkoff-Bank;
• Dot;
• Opening;
• Raiffeisen Bank;
• Promsvyazbank;
• Uralsib;
• BINBANK;
• OTB Bank;
• VTB 24;
• LocoBank;
• ModulBank;
• Intesa Bank.

Read also: How to check IP by TIN on the website of the Federal Tax Service in 2019

Integration with other services

The My Business service provides the ability to integrate with well-known services to free the user from routine work and save their time.

1. ROBOKASSA
Payments accepted on the site and in social networks are automatically displayed in the account.

2. Evotor
The My Business service generates reports on the online checkout, as well as automatically imports waybills.

3.Lifepay
The combination of smart cash accounting and online accounting allows you not to waste time manually entering data on completed transactions.

4.b2bfamily
Issuing invoices and primary documents created in the My Business service and tracking payment.

This is not a complete list of tools with which you can set up integration. The list of service partners is constantly expanding. My Business provides an external API so that you can exchange data with any service that is used in your work.

Using accessibility features of the service

In addition to accounting and reporting, users of the service are provided with many additional features that facilitate and speed up their work:

The user formulates a question, attaches screenshots or documents if necessary, and sends it to the service experts. A detailed response from a specialist comes to your personal account within 24 hours.

The function is available to users who have connected electronic reporting by EDS, and for the FIU an agreement on electronic document management has been signed. The request will be delivered to the regulatory authority within one business day, and processed within 30 days in accordance with the regulations of the tax and FIU. The answer can be viewed in your personal account.

An extract can be obtained both for your organization and for counterparties in order to check their reliability. In most cases, the answer comes instantly. The number of requested extracts is not limited.

In the personal account, users have access to training videos and webinars, from which you can get useful information on accounting, taxation, changes in legislation, as well as about the possibilities of the service.

Allows you to continue working anywhere and not depend on the computer. You can issue invoices and closing documents, monitor the status of settlements, control receipts and debits from accounts, as well as consult with experts directly from your smartphone.

The cost of paying for the My Business service can be included in the costs. To do this, the system provides the ability to generate an act of work performed.

For users of the service there is round-the-clock technical support. You need to call the number 8 800 200 77 27 - and any problem will be fixed.

Personnel accounting

For organizations and entrepreneurs that have employees, the My Business service provides opportunities to keep personnel records, make payments to employees and generate reports that are mandatory for employers:

1. Reception of employees.

Newly hired employees are easily and simply added to the system. It is enough to request documents from the employee, enter his data, and the service will automatically generate an employment contract, an application and an order for employment. They only need to be printed and signed.

Employees who work under a civil law contract are also entered into the system, but already outside the state - they are kept separately.

The service allows you to apply for employment and citizens of another state in compliance with the requirements of the law.

1. Wage.

When registering an employee in the system, the salary, work schedule, as well as the amount of the advance payment and the method of salary payment are specified. You can also add special accrual rules, for example, a district coefficient.

The personal account provides the following options:

• work with primary accounting documents;
• bookkeeping, tax reporting and personnel records management;
• creation of financial statements;
• use of special service programs;
• filling out forms for registration of a legal entity or individual entrepreneur;
• use of the online checkout service;
• verification of counterparties;
• use of the accounting system;
• integration with the bank-client service of a financial institution where the client has a current account.

Online accounting service "My business" offers services in several areas:

1. Accountant's office. This service contains forms of accounting documents, checks counterparties, contains the current regulatory framework for accounting, tax, personnel records. Through it you can get advice from a specialist.
2. My business. Accountant. The service is designed for accounting, designed in such a way that even a non-specialist can keep records.
3. Internet accounting "My finances". The cloud service involves outsourcing the services of an accountant or maintaining documentation on your own.

The personal account contains the following sections: money, documents, stocks, contracts, contractors, forms, analytics, webinars, reports, bureaus.

Registration in the account

To register an account in the personal account of the My Business portal, you need to go to the site at the link http://moedelo-site.ru/vxod-v-lichnyj-kabinet-moe-delo/ , click the "Free registration" button. Next, select the form of ownership of LLC or IP, the taxation system. We press the "Next" button. A form will open to fill out:

• e-mail;
• phone;
• password.

Click "Register" and go to the presentation page of the portal. You can watch the video tour or start working on your own in the demo version of the site. In the company profile, the details of the enterprise, public services, to which the reporting is sent, are filled in.

The administrator gets the rights to add and remove companies and other users. If several employees use the service, to add them to the program, you need to open the “Users” folder and click the “Add” button. The surname, name, patronymic of the employee, e-mail address, contact phone number, company and the role of the employee in it are entered. The access rights to the site services depend on the role. The roles are as follows:

• administrator;
• Chief Accountant;
• director;
• payroll accountant;
• accountant;
• senior manager;
• manager;
• storekeeper;
• observer.

Authorization in the personal account "My business"

Login to your personal account is made by login and password. The login button is located on the main page of the site. The login is an email address, and the password is specified during registration. Password recovery is done via email. To do this, click the "Forgot password" button, enter your email address and submit the form. An email will be sent to you with a link that you need to follow to create a new password.

Mobile application of personal account

Accounting "My business" is available from a mobile phone. Developed applications for ios and android. Mobile accounting allows you to perform transactions at a convenient time for the client on a trip, at home, on vacation. The application can be downloaded from the AppStore and Google Play. Login to the application is carried out using the same login and password as in the main personal account. Management is carried out through the menu at the bottom of the page.

The "Invoices" section contains complete information on made and not made payments, issued invoices, archived data. It is possible to create invoice documents and send invoices by e-mail. The application has access to the Internet service "My business" to carry out operations for the formation of tax reporting, payment of taxes.

Customer support through the office

You can ask a question to a specialist through the Personal Account. In the upper right corner, click "Chat", in the window that opens, enter the text, and the bot consultant will answer the question. Also at the bottom of the chat there are icons by which you can go to social networks and ask a question there: Viber, Telegram, Skype, Messenger, Vkontakte. Consultations are also provided by phone hotline 8-800-200-77-15 or by e-mail [email protected]. To view the contact details of technical support, you must click the "Help" button, it looks like a handset and is located next to the "Chat" button.

How to disable my personal account My business

The "Users" section provides for adding and deleting personal accounts of authorized persons and employees of the company. Next to the username, check the box and click the "Delete" button. The system warns that it is not possible to undo the deletion of the user. We confirm the deletion. You can also delete a company. To do this, open the "Companies" tab, select the one you need and confirm the deletion.

Security and Privacy Policy

The data on the My Business server is protected by a security system. All information is copied to additional servers every 15 minutes. In the event of a hardware failure, all current data remains intact. The transfer of information from individual PCs to the server is encrypted at the SSL level. The service is registered in accordance with Federal Law 152 "On the Protection of Personal Data". The company periodically conducts external audits for vulnerabilities.

When using the service, users must follow a number of safety rules:

• install the latest version of the antivirus on the PC,
• check site address
• do not send your data in response to suspicious emails,
• restrict unauthorized access to the personal account of unauthorized persons.

Filling in sections in the Personal Account "My Business"

The "Money" section contains information about the receipt, debiting and movement of funds on the account. Filling is done by paying the invoices located in the "Documents" section. Data on the payment of wages is uploaded automatically at the rates for individual entrepreneurs and LLCs with employees. Payment of taxes when conducting through the service is also reflected in the list of payments. To do this, go to the "Tax Calendar", calculate the tax and pay it, click the "Done" button. The operation will be carried out on the current date.

In the "Documents" section, automatic filling of acts and invoices is configured. Contacts and details are uploaded automatically from the program. There is a possibility of manual editing. To download a seal imprint, the signature of the head and the logo of the organization, you need to make a scan or photo, edit the parameters to suit the system requirements and upload via the "Download" link.

Bank integration

The personal account is integrated with the client bank in which the current account is opened. If there are several accounts, then all banks can be connected. If an entrepreneur uses payment systems, they are connected as follows:

• go to the "Money" tab;
• select "Payment systems";
• select the system we want to connect - Yandex Money, Robokassa, Saipe;
• click "Add".

After integration, clients can manage their account through the My Business personal account. The functions of paying bills, generating payment orders, creating lists of employees and paying them wages are available.

For integration with partner banks, the procedure is the same. You need to select "Settlement accounts", the bank, enter the login and password from the personal account of the bank, the number of the current account, click "Add".