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,…
Built by Michael Cutajar and the OpenAccountants team. Written from the official sources it cites.
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Every figure is drawn from this Guide and cited to its source.
Software subscription classification
Schedule C Line 22 (Supplies) for small annual; Line 25 (Utilities) commonly used; Line 27a (Other expenses) with descriptionDefault classification rules
Personal vs business allocation
confirm with the user; if mixed, allocate by usage percentageDefault classification rules
Rendered from the canonical facts model. General reference only — confirm with a qualified professional before acting.
Global Productivity & SaaS Vendor Patterns (Pattern table)
| Vendor | Bank statement variations | Default category | VAT/GST notes |
|---|---|---|---|
| Microsoft 365 / Office 365 | MICROSOFT*M365, MICROSOFT*365, MSFT*M365, MICROSOFT IRELAND OPS | Software subscription / productivity | EU B2B reverse charge (Microsoft Ireland Operations) |
| Google Workspace | GOOGLE *G SUITE, GOOGLE *WORKSPACE, GOOGLE IRELAND LTD | Software subscription / productivity | EU B2B reverse charge |
| Slack | SLACK TECHNOLOGIES, SLACK* | Communications / SaaS | Salesforce subsidiary; EU B2B reverse charge |
| Notion | NOTION LABS INC, NOTION.SO | Productivity / docs | US supplier |
| Linear | LINEAR ORBIT INC, LINEAR.APP | Project management | US supplier |
| Asana | ASANA INC, ASANA.COM | Project management | US supplier |
| Trello | TRELLO, ATLASSIAN | Project management | Atlassian; AU + EU operations |
| Jira / Confluence | ATLASSIAN, ATLASSIAN US, ATLASSIAN PTY LTD | Software development tools | Australia HQ; EU B2B reverse charge |
| Figma | FIGMA INC, FIGMA.COM | Design / collaboration | US supplier; Adobe acquisition terminated 2023 |
| Adobe Creative Cloud | ADOBE *CREATIVE, ADOBE IRELAND LTD | Software subscription / creative | EU B2B reverse charge |
| Canva | CANVA*, CANVA PTY LTD | Design | Australia supplier |
| Dropbox | DROPBOX INC, DROPBOX* | File storage | US supplier |
| Box | BOX INC, BOX.COM | File storage / content management | US supplier |
| Zoom | ZOOM.US, ZOOM VIDEO COMMS, ZOOM VOICE COMMS | Video conferencing | US supplier; EU B2B reverse charge |
| Calendly | CALENDLY INC, CALENDLY.COM | Scheduling | US supplier |
| HubSpot | HUBSPOT INC, HUBSPOT.COM | CRM / marketing | US supplier; Ireland branch for EU |
| Salesforce | SALESFORCE.COM, SALESFORCE*, SALESFORCE EMEA LTD | CRM | EU B2B reverse charge (Ireland) |
| Intercom | INTERCOM INC, INTERCOM.COM | Customer messaging | US supplier; Ireland EU operations |
| Zendesk | ZENDESK INC, ZENDESK.COM | Customer support | US supplier; Ireland EU operations |
| Loom | LOOM INC, LOOM.COM | Video messaging | Atlassian subsidiary |
| Miro | MIRO INC, RTBI INC | Whiteboarding | US supplier |
| ClickUp | CLICKUP, MANGO TECHNOLOGIES | Project management | US supplier (Mango Technologies) |
| Monday.com | MONDAY.COM, MONDAY.COM LTD | Project management | Israel supplier |
| Airtable | AIRTABLE INC, AIRTABLE.COM | Database / collaboration | US supplier |
| Webflow | WEBFLOW INC, WEBFLOW.COM | Website builder | US supplier |
| Squarespace | SQUARESPACE INC, SQUARESPACE.COM | Website builder | US supplier; Ireland EU |
| Wix | WIX.COM, WIX* | Website builder | Israel supplier |
| OpenAI / ChatGPT | OPENAI, OPENAI LLC, OPENAI INC | AI / software subscription | US supplier; OpenAI Ireland Ltd for EU |
| Anthropic / Claude | ANTHROPIC, ANTHROPIC PBC | AI / software subscription | US supplier; Anthropic Ireland for EU |
| Cursor / Anysphere | CURSOR, ANYSPHERE INC | AI dev tools | US supplier |
| 1Password | 1PASSWORD, AGILEBITS INC | Password manager | Canada supplier |
| Bitwarden | BITWARDEN INC, 8BIT SOLUTIONS LLC | Password manager | US supplier |
| LastPass | LASTPASS, LOGMEIN INC | Password manager | LogMeIn / GoTo |
| NordVPN | NORDVPN, NORDSEC LTD | VPN | Panama HQ; EU operations |
| Surfshark | SURFSHARK, SURFSHARK LTD | VPN | Netherlands / Nord parent |
| ExpressVPN | EXPRESSVPN INC | VPN | BVI HQ |
| Apple One / iCloud+ | APPLE COM BILL, APPLE.COM/BILL, APPLE IRELAND | Software subscription / personal | EU: Apple Distribution International (Ireland) |
| Spotify (Business) | SPOTIFY USA, SPOTIFY AB | Music streaming | Sweden HQ |
| Audible (Business) | AUDIBLE.COM, AUDIBLE INC | Audiobook subscription | Amazon subsidiary |
| Xero | XERO LTD, XERO PTY LTD, XERO LIMITED | Accounting software | New Zealand HQ; Australia operations |
| QuickBooks Online | INTUIT QBKS, INTUIT QUICKBOOKS | Accounting software | US supplier |
| FreeAgent | FREEAGENT CENTRAL LTD | Accounting software | UK HQ (RBS subsidiary) |
| Sage | SAGE GROUP PLC, SAGE SOFTWARE | Accounting software | UK HQ |
| Gusto | GUSTO INC | Payroll | US supplier |
| Rippling | RIPPLING PEOPLE CENTER, RIPPLING INC | HR / payroll | US supplier |
| Deel | DEEL INC | Global contractor / payroll | US HQ; entities worldwide |
| Remote | REMOTE TECHNOLOGY, REMOTE.COM | Global EOR / payroll | US HQ |
| Wise Business | WISE, TRANSFERWISE, WISE PAYMENTS LTD | Multi-currency banking | UK HQ; EMI in EU |
| Mercury | MERCURY*, MERCURY TECHNOLOGIES | Business banking (US) | US (Choice Financial backs) |
| Brex | BREX INC | Business banking + cards (US) | US supplier |
| Ramp | RAMP BUSINESS CORP | Business cards + spend mgmt | US supplier |
Same as global-cloud-infrastructure.md Section "Cross-border VAT mechanics".
Many of these vendors have both personal and business tiers. Flag the following for user confirmation:
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