BossTax: Self-Employed Taxes — API integration & 1099 OpenBanking services

Receipt capture & expense categorization API

BossTax's in-app camera flow stores each receipt with vendor, total, tax, and a mapped Schedule C category (e.g. Car & truck, Supplies, Advertising). Our wrapper exposes GET /receipts?since=… with page tokens so a downstream bookkeeping ledger can ingest new items continuously.

1099 income consolidation

When a user uploads a 1099-NEC or 1099-K from Uber, DoorDash, Stripe, or PayPal, BossTax parses payer EIN, gross amount, state withholding, and box-level detail. We expose a /tax-forms endpoint returning normalized records so quarterly estimated tax engines can recompute safe-harbor targets.

Bank-grade transaction sync

BossTax uses aggregator-grade bank and credit card connections to find missed deductions. Our integration mirrors that link state, pulling posted-date, description, amount, and BossTax's deduction suggestion flag — then emits a webhook on every new match.

Mileage & home-office deduction tracking

Business use of vehicle (standard mileage vs. actual expense) and home-office square-footage allocations produce auditable annual totals. The API returns per-trip mileage rows plus the computed annual deduction — useful for CPAs, insurance underwriters, and lending models.

E-file submission status & refund tracking

Because BossTax is an IRS-authorized Electronic Return Originator, it tracks submission acceptance, state-level acceptance, and refund disbursement. We surface that pipeline state so partner apps can display a single "taxes filed" badge and refund ETA.

Business banking events

The app's 2024–2025 business-banking layer handles deposits, transfers, tax-set-aside buckets, and credit applications. Our webhook stream (deposit.completed, tax_reserve.funded, credit_app.decisioned) lets merchants and accounting tools act on these events in near real time.

1. Neobank embedded tax co-pilot

Context: A small-business neobank wants to ship a "file your 1099 taxes in-app" experience similar to how Column Tax and April are embedded in partner bank apps. Data / API: OAuth into BossTax, pull /tax-forms + /receipts, push quarterly estimate deltas back as a tile. OpenFinance mapping: treat BossTax as a regulated data source alongside the bank's own transaction feed and merge on merchant_id + posted_date.

2. Gig-platform year-end reconciliation

Context: A rideshare or delivery marketplace needs to help 1099 drivers confirm the numbers it reports to the IRS. Data / API: match BossTax's ingested 1099-K to the platform's internal payout ledger via payer EIN + amount windows; flag deltas for driver review. OpenData mapping: the platform acts as source-of-truth publisher, BossTax as consumer-side aggregator, reconciliation runs on both sides.

3. Lender underwriting signal

Context: A revenue-based financing lender wants verified self-employment income. Data / API: pull 2-year Schedule C history, bank-sync net inflows, and accepted e-file status; derive effective gross revenue and expense ratios. OpenBanking mapping: complements FDX transaction data with IRS-accepted returns — the strongest possible income signal for a sole proprietor.

4. CPA / accounting-firm dashboard

Context: A CPA managing 200 freelance clients wants a single dashboard. Data / API: bulk OAuth consent flow, periodic /receipts and /bank-transactions exports to CSV / Excel, plus /filing-status for deadline tracking. Output: client-level deduction totals, missing-receipt alerts, and an e-file progress board.

5. Quarterly estimated-tax automation

Context: An "Abound-style" service wants to automate safe-harbor estimated payments to the IRS. Data / API: stream BossTax expense categories and 1099 ingestion into an actuarial estimator; expose /estimate with next-due amount; trigger ACH to the IRS EFTPS on user authorization. OpenFinance mapping: pairs consumption-side tax data with payment-rail execution under a single consent.

1. OAuth-style authorization handshake

// Step 1 — user consents, partner exchanges code for access token
POST /api/v1/bosstax/oauth/token
Content-Type: application/json

{
  "grant_type": "authorization_code",
  "code": "c8d2…",
  "client_id": "partner_xyz",
  "code_verifier": "<PKCE_VERIFIER>",
  "redirect_uri": "https://partner.example/cb"
}

200 OK
{
  "access_token": "bt_live_…",
  "refresh_token": "bt_refr_…",
  "expires_in": 3600,
  "scope": "receipts.read tax_forms.read bank_txn.read filing.read",
  "user_ref": "u_018f…"
}

2. Fetch receipts with Schedule C categories

GET /api/v1/bosstax/receipts?since=2026-01-01&page_size=100
Authorization: Bearer <ACCESS_TOKEN>
Accept: application/json

200 OK
{
  "items": [
    {
      "id": "r_7c41…",
      "captured_at": "2026-03-12T14:02:08Z",
      "vendor": "Staples",
      "total": 42.19,
      "tax": 3.12,
      "currency": "USD",
      "schedule_c_line": "22 - Supplies",
      "image_url": "https://…/r_7c41.jpg",
      "deduction_confidence": 0.94
    }
  ],
  "next_cursor": "eyJwYWdlIjoyfQ=="
}

3. Webhook: new 1099 form parsed

POST https://partner.example/hooks/bosstax
X-Bosstax-Event: tax_form.parsed
X-Bosstax-Signature: t=1714064000,v1=8d92…

{
  "event": "tax_form.parsed",
  "user_ref": "u_018f…",
  "form": {
    "type": "1099-NEC",
    "tax_year": 2025,
    "payer": { "name": "Uber Technologies", "ein": "45-2647441" },
    "box_1_nonemployee_comp": 38412.55,
    "box_4_federal_tax_withheld": 0.00,
    "state_withholding": [{ "state": "CA", "amount": 0 }]
  },
  "error": null
}

// Verify signature with HMAC-SHA256(secret, "{t}.{raw_body}")
// Retry policy: exponential backoff, up to 24h, idempotency on event id.

Compliance & privacy

BossTax operates as an IRS-authorized Electronic Return Originator (ERO) in the United States, so any integration touching its data must respect the IRS Publication 1345 e-file security standards and the IRS Assurance Testing System (ATS) requirements for tax year 2025 submissions. On the financial side, aggregated bank data falls under the Gramm-Leach-Bliley Act (GLBA) and the updated FTC Safeguards Rule, which both require a documented information-security program for anyone handling customer financial records.

For state coverage we align with the California Consumer Privacy Act (CCPA/CPRA) and equivalent statutes in Virginia, Colorado, Connecticut and Utah — controlling opt-out, deletion, and data-sale obligations. When a partner uses FDX-compatible bank feeds alongside BossTax, we document dual-consent flows so user authorization, purpose, and retention horizon are explicit. Every integration we deliver includes a consent artifact, a retention policy, and a revocation endpoint.

Data flow / architecture

A minimal pipeline looks like this:

1. Client app / user consent — OAuth with PKCE; user picks scopes (receipts, 1099s, bank txn, filing status).
2. API gateway & signed webhooks — TLS 1.2+, HMAC-signed events, idempotent delivery, per-partner rate limits.
3. Normalization layer — maps BossTax categories to IRS Schedule C lines and to the partner's chart of accounts.
4. Storage & analytics — encrypted at rest (AES-256), row-level tenant isolation, warehouse export (Snowflake / BigQuery) for reporting and ML.

Deliverables checklist

• OpenAPI 3.1 specification for every integrated endpoint
• Protocol & auth flow report (OAuth / PKCE / refresh lifecycle)
• Runnable source in Python or Node.js (pull, webhook, reconcile)
• Automated tests, Postman collection, and replay fixtures
• Compliance pack — GLBA / CCPA / IRS Pub 1345 notes, consent & retention artifacts

Engagement models

• Source-code delivery from $300 — we hand over runnable API source and documentation; pay after delivery upon satisfaction.
• Pay-per-call API billing — access our hosted endpoints and pay only for the calls you make, no upfront fee.

About our studio

We are an independent engineering studio focused on fintech, OpenData, and API integration. Our engineers have shipped production systems at banks, payment gateways, and tax-technology vendors, and we know how to make protocol analysis, document OCR, and IRS e-file workflows cooperate under GLBA- and FTC Safeguards-grade controls. For every BossTax-style engagement we pair a lead engineer with a compliance reviewer, so what we deliver is not just code — it is an auditable integration your legal team can sign off on.

• Tax technology, 1099 & Schedule C data pipelines
• Open banking & FDX-compatible bank connectivity
• Receipt / document OCR and structured extraction
• End-to-end: protocol analysis → build → validation → compliance review

Contact

For quotes or to submit your target app and requirements, open our contact page:

Contact page

Engagement workflow

1. Scope confirmation — which BossTax data (receipts, 1099, bank txn, filing status) and which downstream system.
2. Protocol analysis & API design (2–5 business days depending on scope).
3. Build & internal validation with fixtures and negative cases (3–8 business days).
4. Docs, sample clients, Postman collection, and handover walkthrough (1–2 business days).
5. Typical first delivery: 5–15 business days; third-party approvals (e.g. IRS ATS cycles) may extend the timeline.

FAQ

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