Point of API

2020

Representation of API for mass payments to self-employed

The point provided API for mass payments to self-employed. It became known on November 10, 2020.

Service reduces tax risks at mass payments.

With self-employed taxi pools, aggregators of the taxi, delivery and other services, construction companies, cargo carriers and other Russian businesses willingly work. But legal position self-employed often changes that results in tax risks for business at mass payments. Monitor changes manually can be difficult and requires a lot of time.

To facilitate work with self-employed for business, the Point provided API for instant check of the status at mass payments. Service will check each receiver of payment and will show whether he is self-employed, the natural person, the legal person or SP. If the status changed, the company can easily refuse payment execution.

The law does not prohibit to change legal position from self-employment for other forms, to refuse it absolutely. Because of it the companies which work with self-employed can face difficulties at mass payments: for example, if the person suddenly in general refused self-employment. Then money will arrive into the account of the natural person, and absolutely other set of documents, confirmatory for this purpose is required that payments are legal. With this API Points of the company can automatically check the status before payment in own IT system — Ivan Bogdanov, API developer of the Point comments.

According to FTS, number self-employed in Russia for November, 2020 exceeded 1 million people. Since July 1, 2020 the tax regime tested in Moscow and the Moscow region, Tatarstan and the Kaluga region extended to all Russia. Generally self-employed drive the taxi, deliver goods, lease apartments, are occupied with tutoring, repair, marketing or offer IT services.

Development of the advanced version of API for the large companies and clients

On April 20, 2020 it became known that the bank for entrepreneurs and the Point enterprises developed the advanced version of API for the large companies and clients who make more than 100 payments a day. This version will allow to perform all calculations outside bank, in an enterprise management system of the client and to automate interaction with bank in the mode of one window.

Advanced API allows to send payments in an unlimited number, to sign them with the electronic digital signature, to keep track of the statuses, to monitor the account balance and to request statements for any period. If necessary it is possible to add additional functions according to requirements of the company to API.

For connection of service it is necessary to write to a chat with bank. The specialist of bank will contact the client and will discuss a set of necessary options, will estimate his needs for services of the Point with which he wants to work in the system without input in bank. Before connection a system can be tested. The cost of service is calculated individually and depends on a set of options. Work with advanced API will require the electronic digital signature issued on the director of the enterprise or the manager with the right of the first signature.

API will allow the enterprises to save significantly time due to process automation and to avoid the errors caused by a human factor. It is especially valuable in the conditions of limited resources when it is necessary to concentrate efforts of specialists on the solution of really important problems, having minimized a routine, emphasized Anastasius Sumin, the product manager of bank for entrepreneurs and the Point enterprise