> ## Documentation Index
> Fetch the complete documentation index at: https://docs.melso.ai/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Melso MCP: https://mcp.melso.ai/mcp (OAuth; one company per connection). Documentation-search MCP: https://docs.melso.ai/mcp; it does not act on customer accounts.
>
> Use the live tool list and respect company membership. Ask the person to approve the exact invoice or tax return version in the signed-in app. Melso's professionals prepare and file included returns after approval; an AI assistant does not file. A prepared file or an approval is not evidence of filing: only the AEAT's reference and receipt are. Keep credentials out of chat and logs.

# Business banking

> Give autónomos and small companies their taxes inside your app: a live tax set-aside, receipts as expenses, reconciliation and returns filed by Melso.

A business account sees every euro an autónomo earns and spends. What it cannot
do on its own is turn that into a VAT return, a 130 and a filing receipt.
With the Melso API, your customers' taxes happen where their money is.

## What your customers get

| In your app | Built on | Availability |
| - | - | - |
| "Keep €3,142 aside for taxes this quarter" | [Tax estimate](/api/reference/tax-estimates/get-tax-estimate), refreshed after every movement | Preview |
| Photo of a receipt becomes a deductible expense | [Read a fiscal document](/api/reference/documents/extract-fiscal-document) | Live capability |
| Every card payment matched to its invoice | [Push bank movements](/api/reference/banking/push-bank-movements) and Melso's reconciliation proposals | Movements: preview. Proposals: live capability |
| Invoices registered with VERI\*FACTU, paid by link | [Invoices](/api/reference/invoices/create-invoice) | Live capability |
| "Your 303 is ready: review and approve" | [Tax returns](/api/reference/tax-returns/list-tax-returns) and the [approval link](/api/reference/tax-returns/create-tax-return-approval-link) | Live capability |
| The AEAT's receipt in the app | `tax_return.filed` with `filing.reference` | Preview |
| "You have a letter from Hacienda" | [Administration notifications](/api/reference/administration-notifications/list-administration-notifications) | Preview |
| Certificate of being up to date, for a loan | [Certificates](/api/reference/certificates/request-certificate) | Preview |
| Register as autónomo, or incorporate an S.L. | [Cases](/api/reference/cases/list-cases) | Live capability |

## The quarter, end to end

<Steps>
  <Step title="During the quarter">
    Push movements as they settle. Melso proposes which invoice or expense each
    one pays, asks for the receipts it is missing, and keeps the
    [tax estimate](/api/reference/tax-estimates/get-tax-estimate) current
    so you can move money into a tax pot.
  </Step>

  <Step title="When the quarter ends">
    Melso calculates the 303 and, for an autónomo in direct estimation, the 130,
    from the quarter's invoices, income and expenses. You receive
    `tax_return.calculated`. A late receipt changes the draft and raises its
    `version`.
  </Step>

  <Step title="Approval">
    Show the result in your app and send the owner the
    [approval link](/api/reference/tax-returns/create-tax-return-approval-link),
    or collect the approval yourself under a
    [partner agreement](/api/approvals#approval-inside-your-product).
  </Step>

  <Step title="Filing and payment">
    Melso's professionals file before the deadline. A result to pay is charged by
    direct debit to the account the company chose, which can be the one it holds
    with you; file by `direct_debit_deadline` for that. You receive the receipt.
  </Step>
</Steps>

## What Melso calculates

For an autónomo or a small company in the common territory under general VAT:
303, 130, 111, 115, 349, the annual 390, 347, 190 and 180. Corporate tax (200
and 202) and the annual accounts are calculated for empresas from their books.
Other profiles appear in the calendar as reminders. See
[Taxes and the fiscal calendar](/essentials/taxes).

## Get started

Write to [hello@melso.ai](mailto:hello@melso.ai) with how many business
customers you have in Spain and which of them are autónomos.


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