Online cash register (CCT)
Required when taking payments from individuals. Cloud-based registers exist — no need to buy a device, an app is enough.
Infrastructure
Banks and services for business
A business account, cash register, accounting, and CRM — everything you'll need right after registration. We compare the key parameters.
Accounts
Compare banks for sole proprietors and LLCs
Plans and terms change often — check the banks' websites before opening an account.
| Bank | Account opening | Monthly fee | Acquiring | Best for |
|---|---|---|---|---|
| T-Bank | online, free | free plans available | low rate | sole proprietors & LLCs, online business |
| Sberbank | online / in-branch | wide range of plans | yes | offline business, large turnover |
| Alfa-Bank | online, free | grace period | yes | startups and small business |
| VTB | online / in-branch | SME plans | yes | businesses with government support |
| Tochka | online, free | flexible plans | yes | services, IT, self-employed |
| Modulbank | online, free | free plans available | yes | small business, services |
What to look at: the cost of service at your turnover, free payments, the acquiring rate,
account opening speed, and a convenient mobile app and built-in accounting.
Services
What you'll need to run your business
A basic toolkit that covers the cash register, bookkeeping, and sales.
Online accounting
Services calculate taxes, prepare reports and notices, and remind you of deadlines. Often included in a bank's plan.
CRM system
Stores your customer base, deals, and reminders. Helps you hold on to leads and make repeat sales.
Online acquiring
Accept card payments online and in person. Connect through your bank or a payment service.
EDI and e-signature
Exchange documents with contractors online and use an electronic signature for reports and contracts.
Website and ads
A landing page or a marketplace listing plus ads to win your first clients. You can start with social media.
Now let's figure out the economics
Check at what sales volume your business breaks even, and calculate your taxes.