Alternatives
Keep alternatives
Keep is a Toronto company offering Canadian businesses a Mastercard business credit card issued by Peoples Trust Company, with unlimited virtual cards, spend limits per card, multi-currency accounts, international payments, growth capital and rewards points. Receipts are sent by replying to Keep's text message or transaction email, or uploaded in the dashboard, and matched to the card transaction. Keep is not available to residents or businesses in Québec.
Why people look
Why teams look for a Keep alternative
The reasons that come up in evaluations. Whether they apply to you depends mostly on where your receipts come from.
Employees still have to text or email a photo of every receipt after they pay.
At stores that send receipts through Smartbills the itemized receipt arrives with the transaction. Receipts sent by email are read from connected mailboxes, and the app is there for the rest.
Our team is in Québec, or part of it is.
Keep says it is not available to residents or businesses in Québec. Smartbills works across Canada, in English and French, with QST split out on each receipt line.
Some spend happens on personal cards and mileage, and a card program never sees it.
Out-of-pocket purchases and mileage go on the same expense report as card charges, through the same policy and approvals, and get reimbursed.
The shortlist
6 alternatives to Keep
The products teams shortlist against Keep, each with what it's for. The order isn't a ranking, and the criteria are explained below.
- 01
Float
For Canadian companies that want more from each card charge than the amount: the itemized receipt, with its GST, HST or QST.
Best forCanadian companies that want a corporate card program, business accounts and bill pay from one Canadian provider.
Compare it with Smartbills - 02
Venn
For Canadian businesses weighing Venn's accounts and cards, especially in Quebec, where Venn says it isn't available.
Best forBusinesses outside Quebec that want cheap FX, multi-currency accounts and a corporate card from one provider.
Compare it with Smartbills - 03
Loop
For Canadian businesses that sell across borders with Loop and still need each receipt coded with its Canadian sales tax.
Best forCanadian businesses that buy and sell across borders and want to cut FX costs with multi-currency accounts and cards.
Compare it with Smartbills - 04
Expensify
The expense report app most finance teams already know, set against Smartbills on where each receipt comes from before anyone files it.
Best forChoose Expensify if your team already runs on its expense reports and wants a familiar, well-supported report-and-approve workflow it won't have to relearn.
Compare it with Smartbills - 05
Ramp
A corporate card program with spend management built around it. The comparison turns on what a card feed can and can't tell you.
Best forChoose Ramp if you're consolidating US card spend onto one program and the rebate, the controls and the card itself are where you see the value.
Compare it with Smartbills - 06
Brex
Cards and business banking for US companies. This comparison is about the purchase document behind each card charge.
Best forChoose Brex if you're a venture-backed or enterprise US company that wants cards, banking, treasury and spend controls from one vendor.
Compare it with Smartbills
Disclosure
And Smartbills, which is ours
Slipping our own product into a roundup without saying so is exactly what makes these pages worthless, so to be clear, this one is ours.
Smartbills
Best for: Canadian companies, Québec included, that want the itemized receipt and its GST, HST or QST behind every expense, whatever card or account paid for it.
Smartbills vs KeepHow this list was put together
These are the products that come up in the same evaluations as Keep, drawn from what prospects actually shortlist against it and from the rest of its category. The order is editorial rather than a ranking, because we don't run benchmarks on products we don't operate, and a scored table written by a vendor about its competitors isn't evidence. Each entry links to a full comparison with claims specific enough to check.
FAQ
Frequently asked questions
What people ask us before they sign up.
Get started
Comparing Keep with something else?
Bring one month of your own receipts and card transactions. The number that settles it is the share of transactions that ended up with an itemized document attached, and you can measure that in one cycle.