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global-productivity-tools.md97 lines6.9 KB
v1GLOBAL
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| 1 | --- |
| 2 | name: global-productivity-tools |
| 3 | description: > |
| 4 | Pattern library for productivity, collaboration, and creative SaaS tools appearing on bank statements worldwide. Covers Microsoft 365, Google Workspace, Slack, Notion, Linear, Asana, Trello, Jira / Confluence, Figma, Adobe Creative Cloud, Canva, Dropbox, Box, Zoom, Calendly, HubSpot, Salesforce, Intercom, Zendesk, Loom, Miro, ClickUp, Monday.com, Airtable, Webflow, Squarespace, Wix, ChatGPT / OpenAI, Anthropic Claude, Cursor, 1Password, Bitwarden, LastPass, NordVPN, Surfshark, ExpressVPN, Apple One / iCloud+, Spotify (business), Audible (business), and accounting / payroll software (Xero, QuickBooks, FreeAgent, Sage, Gusto, Rippling, Deel, Remote, Wise Business). Provides bank-statement variations, default classification, and VAT/GST notes. Does NOT cover: cloud infrastructure (see global-cloud-infrastructure), ad platforms (see global-ad-platforms), or payment processors (see global-payment-processors). |
| 5 | version: 0.1 |
| 6 | jurisdiction: GLOBAL |
| 7 | category: pattern |
| 8 | verified_by: pending |
| 9 | --- |
| 10 | |
| 11 | # Global Productivity & SaaS Vendor Patterns v0.1 |
| 12 | |
| 13 | ## Pattern table |
| 14 | |
| 15 | | Vendor | Bank statement variations | Default category | VAT/GST notes | |
| 16 | |---|---|---|---| |
| 17 | | **Microsoft 365 / Office 365** | `MICROSOFT*M365`, `MICROSOFT*365`, `MSFT*M365`, `MICROSOFT IRELAND OPS` | Software subscription / productivity | EU B2B reverse charge (Microsoft Ireland Operations) | |
| 18 | | **Google Workspace** | `GOOGLE *G SUITE`, `GOOGLE *WORKSPACE`, `GOOGLE IRELAND LTD` | Software subscription / productivity | EU B2B reverse charge | |
| 19 | | **Slack** | `SLACK TECHNOLOGIES`, `SLACK*` | Communications / SaaS | Salesforce subsidiary; EU B2B reverse charge | |
| 20 | | **Notion** | `NOTION LABS INC`, `NOTION.SO` | Productivity / docs | US supplier | |
| 21 | | **Linear** | `LINEAR ORBIT INC`, `LINEAR.APP` | Project management | US supplier | |
| 22 | | **Asana** | `ASANA INC`, `ASANA.COM` | Project management | US supplier | |
| 23 | | **Trello** | `TRELLO`, `ATLASSIAN` | Project management | Atlassian; AU + EU operations | |
| 24 | | **Jira / Confluence** | `ATLASSIAN`, `ATLASSIAN US`, `ATLASSIAN PTY LTD` | Software development tools | Australia HQ; EU B2B reverse charge | |
| 25 | | **Figma** | `FIGMA INC`, `FIGMA.COM` | Design / collaboration | US supplier; Adobe acquisition terminated 2023 | |
| 26 | | **Adobe Creative Cloud** | `ADOBE *CREATIVE`, `ADOBE IRELAND LTD` | Software subscription / creative | EU B2B reverse charge | |
| 27 | | **Canva** | `CANVA*`, `CANVA PTY LTD` | Design | Australia supplier | |
| 28 | | **Dropbox** | `DROPBOX INC`, `DROPBOX*` | File storage | US supplier | |
| 29 | | **Box** | `BOX INC`, `BOX.COM` | File storage / content management | US supplier | |
| 30 | | **Zoom** | `ZOOM.US`, `ZOOM VIDEO COMMS`, `ZOOM VOICE COMMS` | Video conferencing | US supplier; EU B2B reverse charge | |
| 31 | | **Calendly** | `CALENDLY INC`, `CALENDLY.COM` | Scheduling | US supplier | |
| 32 | | **HubSpot** | `HUBSPOT INC`, `HUBSPOT.COM` | CRM / marketing | US supplier; Ireland branch for EU | |
| 33 | | **Salesforce** | `SALESFORCE.COM`, `SALESFORCE*`, `SALESFORCE EMEA LTD` | CRM | EU B2B reverse charge (Ireland) | |
| 34 | | **Intercom** | `INTERCOM INC`, `INTERCOM.COM` | Customer messaging | US supplier; Ireland EU operations | |
| 35 | | **Zendesk** | `ZENDESK INC`, `ZENDESK.COM` | Customer support | US supplier; Ireland EU operations | |
| 36 | | **Loom** | `LOOM INC`, `LOOM.COM` | Video messaging | Atlassian subsidiary | |
| 37 | | **Miro** | `MIRO INC`, `RTBI INC` | Whiteboarding | US supplier | |
| 38 | | **ClickUp** | `CLICKUP`, `MANGO TECHNOLOGIES` | Project management | US supplier (Mango Technologies) | |
| 39 | | **Monday.com** | `MONDAY.COM`, `MONDAY.COM LTD` | Project management | Israel supplier | |
| 40 | | **Airtable** | `AIRTABLE INC`, `AIRTABLE.COM` | Database / collaboration | US supplier | |
| 41 | | **Webflow** | `WEBFLOW INC`, `WEBFLOW.COM` | Website builder | US supplier | |
| 42 | | **Squarespace** | `SQUARESPACE INC`, `SQUARESPACE.COM` | Website builder | US supplier; Ireland EU | |
| 43 | | **Wix** | `WIX.COM`, `WIX*` | Website builder | Israel supplier | |
| 44 | | **OpenAI / ChatGPT** | `OPENAI`, `OPENAI LLC`, `OPENAI INC` | AI / software subscription | US supplier; OpenAI Ireland Ltd for EU | |
| 45 | | **Anthropic / Claude** | `ANTHROPIC`, `ANTHROPIC PBC` | AI / software subscription | US supplier; Anthropic Ireland for EU | |
| 46 | | **Cursor / Anysphere** | `CURSOR`, `ANYSPHERE INC` | AI dev tools | US supplier | |
| 47 | | **1Password** | `1PASSWORD`, `AGILEBITS INC` | Password manager | Canada supplier | |
| 48 | | **Bitwarden** | `BITWARDEN INC`, `8BIT SOLUTIONS LLC` | Password manager | US supplier | |
| 49 | | **LastPass** | `LASTPASS`, `LOGMEIN INC` | Password manager | LogMeIn / GoTo | |
| 50 | | **NordVPN** | `NORDVPN`, `NORDSEC LTD` | VPN | Panama HQ; EU operations | |
| 51 | | **Surfshark** | `SURFSHARK`, `SURFSHARK LTD` | VPN | Netherlands / Nord parent | |
| 52 | | **ExpressVPN** | `EXPRESSVPN INC` | VPN | BVI HQ | |
| 53 | | **Apple One / iCloud+** | `APPLE COM BILL`, `APPLE.COM/BILL`, `APPLE IRELAND` | Software subscription / personal | EU: Apple Distribution International (Ireland) | |
| 54 | | **Spotify (Business)** | `SPOTIFY USA`, `SPOTIFY AB` | Music streaming | Sweden HQ | |
| 55 | | **Audible (Business)** | `AUDIBLE.COM`, `AUDIBLE INC` | Audiobook subscription | Amazon subsidiary | |
| 56 | | **Xero** | `XERO LTD`, `XERO PTY LTD`, `XERO LIMITED` | Accounting software | New Zealand HQ; Australia operations | |
| 57 | | **QuickBooks Online** | `INTUIT QBKS`, `INTUIT QUICKBOOKS` | Accounting software | US supplier | |
| 58 | | **FreeAgent** | `FREEAGENT CENTRAL LTD` | Accounting software | UK HQ (RBS subsidiary) | |
| 59 | | **Sage** | `SAGE GROUP PLC`, `SAGE SOFTWARE` | Accounting software | UK HQ | |
| 60 | | **Gusto** | `GUSTO INC` | Payroll | US supplier | |
| 61 | | **Rippling** | `RIPPLING PEOPLE CENTER`, `RIPPLING INC` | HR / payroll | US supplier | |
| 62 | | **Deel** | `DEEL INC` | Global contractor / payroll | US HQ; entities worldwide | |
| 63 | | **Remote** | `REMOTE TECHNOLOGY`, `REMOTE.COM` | Global EOR / payroll | US HQ | |
| 64 | | **Wise Business** | `WISE`, `TRANSFERWISE`, `WISE PAYMENTS LTD` | Multi-currency banking | UK HQ; EMI in EU | |
| 65 | | **Mercury** | `MERCURY*`, `MERCURY TECHNOLOGIES` | Business banking (US) | US (Choice Financial backs) | |
| 66 | | **Brex** | `BREX INC` | Business banking + cards (US) | US supplier | |
| 67 | | **Ramp** | `RAMP BUSINESS CORP` | Business cards + spend mgmt | US supplier | |
| 68 | |
| 69 | --- |
| 70 | |
| 71 | ## Default classification rules |
| 72 | |
| 73 | - **Software subscription**: Schedule C Line 22 (Supplies) for small annual; Line 25 (Utilities) commonly used; Line 27a (Other expenses) with description |
| 74 | - **Personal vs business**: confirm with the user; if mixed, allocate by usage percentage |
| 75 | |
| 76 | ## VAT mechanics |
| 77 | |
| 78 | Same as `global-cloud-infrastructure.md` Section "Cross-border VAT mechanics". |
| 79 | |
| 80 | ## Personal-vs-business detection |
| 81 | |
| 82 | Many of these vendors have both personal and business tiers. Flag the following for user confirmation: |
| 83 | - Single-user Notion, Linear, Figma, Loom subscriptions |
| 84 | - Apple One, iCloud+ family plans |
| 85 | - Spotify (likely personal) |
| 86 | - Audible (often personal) |
| 87 | - Wix, Squarespace personal portfolio sites |
| 88 | |
| 89 | --- |
| 90 | |
| 91 | ## Self-checks |
| 92 | |
| 93 | - [ ] Vendor identified |
| 94 | - [ ] Business vs personal use confirmed |
| 95 | - [ ] EU/UK B2B reverse charge applied where supplier non-resident |
| 96 | - [ ] Recurring billing reflected in monthly accruals |
| 97 |
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About
Pattern library for productivity, collaboration, and creative SaaS tools appearing on bank statements worldwide. Covers Microsoft 365, Google Workspace, Slack, Notion, Linear, Asana, Trello, Jira / Confluence, Figma, Adobe Creative Cloud, Canva, Dropbox, Box, Zoom, Calendly, HubSpot, Salesforce, Intercom, Zendesk, Loom, Miro, ClickUp, Monday.com, Airtable, Webflow, Squarespace, Wix, ChatGPT / OpenAI, Anthropic Claude, Cursor, 1Password, Bitwarden, LastPass, NordVPN, Surfshark, ExpressVPN, Apple One / iCloud+, Spotify (business), Audible (business), and accounting / payroll software (Xero, QuickBooks, FreeAgent, Sage, Gusto, Rippling, Deel, Remote, Wise Business). Provides bank-statement variations, default classification, and VAT/GST notes. Does NOT cover: cloud infrastructure (see global-cloud-infrastructure), ad platforms (see global-ad-platforms), or payment processors (see global-payment-processors).
GLOBALty-2025
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