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Just to add another data point - I recently applied for my EIN for a project management SAAS and also selected "Service" based on advice from this community. The application was approved without any questions or delays. One tip that helped me feel more confident: I looked up how established SAAS companies like Salesforce and HubSpot are classified, and they're all considered service providers rather than retail. The IRS really does view software subscriptions as providing ongoing access to a service rather than selling a product, so "Service" is definitely the way to go for your application.
This is really helpful confirmation! I was second-guessing myself even after reading all the other responses, but knowing that established companies like Salesforce are classified as service providers makes it crystal clear. It's reassuring to hear from someone who just went through the exact same process recently with no issues. Thanks for sharing your experience - this gives me the confidence to move forward with selecting "Service" on my application.
This thread has been incredibly helpful! I'm launching a customer support automation SAAS next month and was facing the exact same dilemma. Based on all the experiences shared here, I'm confident that "Service" is the right choice for my EIN application. What I found most valuable was learning that this category selection is primarily for statistical purposes and won't lock me into any specific tax treatment later. The comparison to established companies like Salesforce and AWS really drove the point home - we're providing ongoing access to software functionality, not transferring ownership of a product. Thanks especially to those who shared their real experiences with successful applications. It's one thing to read the theory, but hearing from people who actually went through the process recently and had their EINs approved gives me the confidence to move forward without overthinking it.
Mei Wong
ā¢I'm so glad this thread helped you too! I was literally in the same boat a few weeks ago, staring at that EIN form and going in circles. What really sealed it for me was realizing that even though we call it "software as a service," the key word there is SERVICE. We're not handing over a physical or digital product that customers own - we're providing ongoing access to our platform, which is fundamentally a service model. Good luck with your customer support automation launch! The EIN process should be smooth sailing now that you have clarity on the category.
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Savannah Vin
20 Quick question guys - I'm using TurboTax Business for our partnership filing with no income. Does anyone know if I still have to pay the full price even though we have basically nothing to report?
Savannah Vin
ā¢7 I used TaxAct last year for our no-income partnership and it was WAY cheaper than TurboTax, like 1/3 the price. Same e-filing capability and it worked fine for a simple return.
Just went through this exact situation last month! We formed our LLC partnership in September but didn't start generating revenue until January. You absolutely need to file Form 1065 even with zero income - the IRS considers you "in business" once you've made that first business purchase (your printer). For online filing, I'd recommend checking out FreeTaxUSA Business - it's much cheaper than TurboTax but still handles e-filing perfectly. Since you only have minimal activity, you'll probably qualify for their basic tier. The form will show your printer as a business asset and any setup costs as startup expenses. Pro tip: Make sure to keep detailed records of that $350 printer purchase and any other business expenses, even small ones. You'll need the dates and amounts for your first filing, and it establishes good bookkeeping habits for when your craft business takes off! The March 15th deadline is coming up fast, so don't wait too long. If you're cutting it close, you can always file for an automatic extension using Form 7004.
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Something similar happened to me last year and I finally got it resolved by filing a police report for theft. Sounds extreme but it worked! Once I had the police report, I sent it to both Chase and the IRS with a formal letter stating that I would be pursuing criminal charges against anyone withholding my rightfully owed tax refund. Magically, within 2 weeks my refund was reissued. Sometimes you have to play hardball when everyone is passing the buck. Just make sure you document EVERYTHING and keep all communications professional.
StarSeeker
I went through this exact same situation two years ago with a $4,800 refund that went to the wrong account due to my tax preparer's mistake. Here's what finally worked for me: First, definitely contact the Taxpayer Advocate Service as mentioned earlier - they were crucial in my case. But also file a formal complaint with the Treasury Inspector General for Tax Administration (TIGTA) at https://www.treasury.gov/tigta/contact_report_waste_fraud.shtml. This creates an official investigation into the IRS's handling of your case. Second, send a certified letter to Chase's Executive Customer Relations department (not regular customer service) citing 12 CFR 210.28 - this is the federal regulation that governs erroneous ACH deposits. In your letter, state that under this regulation, they have an obligation to work with the originating depository financial institution (the Treasury) to resolve erroneous deposits. Third, contact your state's banking commissioner to file a complaint against Chase. Banks hate regulatory complaints and often resolve issues quickly to avoid further scrutiny. The key is creating multiple pressure points simultaneously. It took about 6 weeks, but I eventually got my full refund reissued. Don't give up - this money is legally yours and there are established procedures to get it back, even if everyone initially claims it's not their problem.
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10 Question for anyone who understands this stuff - does it matter what state you're in for how the 1095-A affects your taxes? I've heard some states expanded Medicaid and others didn't, and that can change how the marketplace plans and subsidies work.
15 Yes, your state does matter! States that expanded Medicaid under the ACA generally offer coverage to people with incomes up to 138% of the federal poverty level through Medicaid. In those states, marketplace subsidies typically start at 138% FPL. In states that didn't expand Medicaid, there can be a coverage gap where some low-income adults don't qualify for either Medicaid or marketplace subsidies. However, for those who do qualify for marketplace coverage in non-expansion states, subsidies can start at 100% FPL. Additionally, some states run their own marketplace exchanges with slightly different rules than the federal exchange (Healthcare.gov). And a few states (like California) even offer state-specific premium subsidies beyond the federal ones. If you're close to a subsidy cliff, moving between states or a state changing its policies could definitely impact your situation.
Carmen Ortiz
I'm so sorry you're going through this stress - the 1095-A reconciliation process can be absolutely brutal, especially when you're already dealing with health issues and financial constraints. From what you've described, it sounds like your partner's raise likely pushed your household income over a premium tax credit threshold. The ACA subsidies have some sharp "cliffs" where even a small income increase can dramatically reduce your credit or eliminate it entirely. A few things that might help your immediate situation: 1. Check if you can still contribute to a traditional IRA for 2024 (you have until the tax filing deadline). This reduces your MAGI, which is what they use to calculate your premium tax credit. 2. Look for any tax credits or deductions you might have missed - education credits, child tax credit, earned income credit, etc. 3. If you still end up owing, the IRS offers payment plans with very reasonable monthly payments based on your financial situation. Most importantly, contact the marketplace RIGHT NOW to report your income change for 2025. This will adjust your current advance premium tax credits so you don't face this same shock next year. The fact that you can't work due to health issues might also make you eligible for additional assistance programs. Don't give up - there are often more options available than people realize.
Thank you so much for this helpful advice, Carmen. I really appreciate you taking the time to explain everything clearly. The IRA contribution idea is interesting - I had no idea that could help reduce what we owe. Do you know roughly how much we'd need to contribute to make a meaningful difference? We don't have a lot of extra money, but if even a small contribution could help lower our tax bill, it might be worth it. Also, when you mention contacting the marketplace about our income change - should we report the exact current income or try to estimate what we think we'll make for the whole year? I'm worried about getting it wrong again and ending up in the same situation next year. The health issues have been really limiting my ability to work, so knowing there might be additional assistance programs is encouraging. Do you know where I should start looking for those?
Tyrone Hill
Have you considered just using the "catch-all" category? That's what my accountant recommended when I couldn't decide between my different service offerings. I ended up using 541990 (All Other Professional, Scientific, and Technical Services). Been doing it that way for 3 years with no issues.
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Harmony Love
ā¢I've seen that code but wasn't sure if using such a general category might raise red flags. Has your accountant mentioned any downsides to using the catch-all code instead of something more specific?
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Tyrone Hill
ā¢My accountant said the main downside is that it doesn't give the IRS as clear a picture of what your business actually does. It's better to use a specific code if one clearly fits your primary business activity. However, if you truly have a variety of services with no clear primary focus, the catch-all category is perfectly acceptable. I've never had any issues or additional scrutiny because of using 541990. Just make sure you keep good records of all your different business activities and their associated revenues and expenses in case you ever need to explain your business model.
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Toot-n-Mighty
Check the Schedule C instructions PDF on the IRS website. There's a whole list of business codes in the back pages. Just scroll through and pick the one that most closely matches your MAIN business activity. I remember panicking about this last year too, but it's really not that big a deal.
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Lena Kowalski
ā¢The Schedule C instructions list is SO long and confusing though. I spent like an hour going through it for my Etsy business and still wasn't sure if I should use the code for retail, manufacturing, or art because I make and sell my own products online.
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