Why entrepreneur business card and how to use it

What is the problem of cash for business

Individual entrepreneurs and legal entities can not spend the company's money is as simple as personal. They lie in the current account in the bank, and on the operations they must be accountable.

To take money from the checking account, you need to go to the bank and take money from the cash register. It's a long, uncomfortable and creates additional difficulties for the tax reporting, especially if it is a small Daily expenses: pay for the internet and mobile communications, call a taxi, buy a paper for the printer, or go to trip.

An additional problem of cash - suspected by the Central Bank and tax. They do not like when the owners are in cash, because they do not see where the money goes. Therefore, to remove more than 100 thousand rubles from the current account is impossible: may think that you are engaged in illegal operations, and come to your checking bank financial monitoring.

It turns out, cash is too troublesome: the opacity of spending additional work for accounting and unpleasant attention from the government agencies. Instead of cash, you can use

What is the business card

This is a common bank card for legal persons linked to the settlement account or IP LLC. Map making payments quick and easy, as well as transfers to the bank account. She can be used as usual card: pay daily expenses and purchases, withdraw money from an ATM and to issue additional business cards for employees.

Business card gives the bank in which you open a checking account. It is suitable for any type of business and the tax system. No matter what you do: School of Foreign Languages, a furniture factory or tire clock.

Why a business card

1. In time to pay the bills

Business card can pay bills for office rent, utility services, electricity or internet. The easiest option - to adjust avtoplatezhi and not keep everything in your head. If the account pays an employee, it is not necessary to prepare an advance report from the business card.

2. To quickly pay monthly services

For example, in applications taxi karsheringa or mobile operator. The money will be debited from the current account with no commissions and payment orders. Similarly, pay for services can be your employees - do not give them money in advance for a report, and then collect the change.

3. To pay for advertising in social networks

Business card can be tied to the advertising office "VKontakte», Facebook or Instagram and pay with her progress. Another option - to release additional business card for marketing and establish a limit on it. The employee will not be able to exceed the advertising budget and you will be able to see the history of transactions.

4. To collect revenue

Business card handy if you every day collect revenue from the points and make money for the bank account. This operation can be entrusted with cashiers or courier them to replenish the bank account using the card at an ATM. So you can give up the cash collection services and protection. When you make money, you can choose the source of the funds, which will be reflected in the payment. For example, revenues from the sale of goods and services.

5. For the procurement of goods

Purchases from suppliers can be paid for the card, and not with the current account. The law does not set a limit on such transactions: if you deal for 1 million rubles to pay millions map.

Holders business cards Mastercard free to check the counterparty when "Contour. Traffic light "according to official sources.

6. In order to fill up at the gas station

If the business involves constant traveling, you can pay by card at the gas station. This can make you, your driver or employees using the machine. For each, you can release the business card, set a limit to the desired amount. This is more convenient than hand out money on report and collect the change.

7. To pay taxes

According to the business card attached to your settlement account, you can pay the state fee, consular and visa fees, insurance and taxes. This is convenient, because you can pay online, without a visit to the tax, or insurance company. Receipt confirming the operation comes to email.

8. To send an employee on a business trip

Usually give money for the trip through the cashier and buy tickets and hotel through the bank account. A simpler option - given to employees of the company card to set a limit that he bought the tickets, booked a hotel and paid with her on the trip. To see what the money went, no need to wait for the advance report employee - all costs of the map will show you in your account.

9. In order not to keep large amounts of cash

If you pay cash, you should be safe. At the same time we must not forget to conduct a rigorous reporting and carry your company money, not to pay his. Legal entities can not give more than 100 thousand rubles per transaction - would have to pay through the bank account.

Map all the easier: the company money available at any time and you do not need to worry about their safety. You can pay for the transaction for any amount, and the balance and transactions are displayed in real time.

10. To know where the money goes

You can place multiple business cards for the company and for each individual limit set: the director - one driver - the other. This simplifies the control of trafficking in drugs and bookkeeping.

Fasten the card to the smartphone, the mobile app and find out who what to spend money. If someone from the staff had bought at the expense of the company's brand-new iPhone, you will see it and subtract the amount from the salary. That there is no showdown, issue an order for the map, which clearly establish who can use the card to buy and for how much. You can always change the limit or block the card.

How to report it on the map

If you're on USN IP or patent, do not need to report it on the map. The company, which depends on the tax expenditure reporting on the map as well as on cash: preparing an order to spend, collect checks and payment receipt and include them in the report. If the employee uses the card, it is necessary to issue an advance report and attach all receipts, but to make out in advance "release of funds under the report" is not necessary.

Short

Pay business card Mastercard easier, faster and safer than cash. Depending on the activity and turnover, you can choose the type of business card that best fits your business. It will save time, relieve the work of accounting and make transparent the costs of the company. According to the map, you can receive additional benefits by using discounts and privileges Mastercard program Business Bonus.

More information about the Business Bonus