Point: Online Accounting

2024

Accessibility for all entrepreneurs

Bank for entrepreneurs and enterprises Tochka issued online accounting for the perimeter of the bank. The bank announced this on September 16, 2024. Now the functionality of the "Point of Accounting" service is available to all entrepreneurs, regardless of which bank they have the main account in.  

We have made online accounting Points available to all entrepreneurs because we believe in the ability to do business without restrictions. We want to facilitate the financial life of entrepreneurs by providing a tool for accounting and reporting, regardless of which bank they have a current account. Taking the product out of the bank's contour is a step towards business growth and development. Now every entrepreneur can use our service to optimize their accounting, providing ease of financial management and focus on the main thing - the development of their business. In addition, Tochka Accounting has experts who are ready to answer all the entrepreneur's questions regarding accounting, "said Daniil Smirnov, Product Director of Tochka Accounting.

The service helps entrepreneurs calculate the total amount of taxes and contributions, prepare payments and returns and send them to the tax office. Also, "Point of Accounting" allows you to prepare documents for working with counterparties: invoice for payment, document on the performance of work, contract of reimbursable provision of services, consignment note. 

The service replaces work with an electronic signature: he will independently send reports for the entrepreneur. At the same time, the client has the opportunity to send reports in advance. To do this, you just need to sign the reporting via SMS from any device. "Point Accounting" automatically calculates taxes taking into account sales on Wildberries, Yandex.Market and Ozon - just download the report. 

Integration with Single Tax Account

Point Bank launched integration with the Unified Tax Account (JN) for its clients in the Online Accounting Department. Entrepreneurs will be able to see the balance and tasks for paying taxes, taking into account the data of the EN. This function is available in one window - the service displays information about taxes both for business and for personal as an individual. The bank announced this on April 12, 2024.

At the Point, we not only monitor innovations, but also constantly work on new solutions so that entrepreneurs can focus on developing their business without being distracted by routine tasks. Integration with the ENZ is a big step in this direction. With it, we not only simplify tax accounting, but also give entrepreneurs confidence: there is no need to worry about the timing of payments, about what taxes need to be paid and how much to replenish the Unified Tax Account. All financial transactions are under reliable control and in one place, - said Daniil Smirnov, leader of the Online Accounting service at the Point.

For April 2024, the service operates in test mode, but in the near future it will be available to all customers of Online Accounting.

2020

Registration of a patent through an Internet bank

On March 10, 2020, it became known that entrepreneurs can apply for a patent through Internet-bank and pay taxes under the patent taxation system. To do this, it is enough to fill out and sign electronically signed a patent application in the Online Accounting Department of the Point.

In the settings of Online Accounting, you need to select "Patent Application" and fill out an application that can be immediately sent to the tax office. As soon as the application is accepted, the client will receive a notification on the phone, usually it takes up to 5 working days. After that, you will need to contact the tax office so that the tax office sends the payment for the patent and the patent itself.

Now clients of Online Accounting Points can pay taxes under the patent taxation system without resorting to the help of unnecessary services. We got rid of complex forms of applications and turned obtaining a patent into a few simple actions in an Internet bank. The patent taxation system assumes a fixed amount of tax, which becomes known even before obtaining a patent. It is very convenient to calculate expenses in advance, find out consumer demand and business development prospects in the chosen region, comments Elena Nasobina, Project Manager 'Online Accounting' at the Bank for Entrepreneurs Tochka

The patent tax system (PSN) has a simpler accounting procedure, for example, within the framework of a patent, you do not need to submit a tax return. You can get a patent for a period of one to twelve months.

Multi-banking availability

On January 29, 2020 bank , for entrepreneurs, "" Point presented a series of updates to facilitate the work of small and large business accountants: multi-banking, ordering certificates from I, FTS double signature for large payments and simplified creation of advance reports on cash purchases are now available in the bank's online accounting department.

Thanks to multi-banking, individual entrepreneurs will be able to take into account income from accounts in others banks in their personal account. This helps to calculate taxes correctly without confusion and switching between - and Internetbanks avoid debts and tax penalties.

Another innovation for individual entrepreneurs is an order from the personal account of a certificate of the taxpayer's performance of duties to pay taxes, fees, insurance premiums, penalties, fines, and interest. Such a certificate is required when it is necessary to obtain a loan or confirm to counterparties that the debt has been repaid. It may also be needed when liquidating a legal entity, changing a legal address or changing an accountant. Online accounting Points will help you get help in one day.

Working with cash purchases has also become easier: Tochka Bank has learned to recognize checks for purchases and associate them with the issuance of money. Employees enter checks into the system, while the accountant only has to press a couple of buttons to automatically create an advance report.

The task of online accounting Points is to protect accountants from errors and save time on solving routine tasks. Multi-banking helps to avoid debts and fines for taxes, and a certificate of fulfillment of tax obligations can now be obtained directly at the Point: the preparation of the document will take only one day, while the IFNS prepares a similar certificate up to 10 days. Double signing will help protect large payments, and automatic advance reports will be evaluated by everyone who has worked with cash purchases at least once, comments Elena Nasobina, Product Manager at the Bank for Entrepreneurs Tochka