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Smartbills vs Corpay

Corpay does a lot more than Smartbills. On the one job they share (the receipt behind a card transaction), they work very differently.

At a glance

Smartbills vs Corpay, in one screen

Corpay is a publicly traded corporate payments company, known as FLEETCOR until it renamed in March 2024. It sells commercial cards, expense management, AP automation, cross-border payments and FX, fleet and fuel cards, and workforce lodging. Corpay Complete, launched in January 2024, brings cards, expenses, payables and supplier payments together in the United States and Canada.

Smartbills

Best for

Teams that want the receipt to arrive as itemized data from the merchant, instead of being photographed and then read by software.

Where it's stronger

  • Receipts arrive as structured data. Line detail is exact instead of recovered from a photo.
  • Capture doesn't depend on an employee remembering to photograph anything.
  • Tax-recoverable lines can be picked out without reading an image.
  • The same receipt powers loyalty and pay at table if you also sell to consumers.

Corpay

Best for

Choose Corpay if you're consolidating vendors, or if your spend spans many currencies and countries, a vehicle fleet or workforce lodging.

Where it's stronger

  • Breadth no focused product matches: cards, expense, payables, FX, fleet and lodging under one contract.
  • Cross-border and FX depth from Cambridge, AFEX and Global Reach, with a Mastercard minority investment in December 2025.
  • A public company managing hundreds of billions in payments annually, which procurement reads as lower risk.
  • A real Canadian presence: the cross-border business is Toronto-based and Corpay Complete launched in Canada too.

Every comparison on this site names what the other product does better. If we couldn't think of anything, we didn't publish the page.

Side by side

Smartbills and Corpay, feature by feature

These are structural differences, not plan checkboxes. Capabilities change, so check the vendor's own documentation before deciding on any single row.

Where the receipt comes from

This is the structural difference, and the only row where we claim to come out ahead.

SmartbillsIssued by the merchant at payment, as data
CorpayPhotographed, then matched to the card transaction by OCR

Line items, not just the total

SmartbillsEvery line, as the POS recorded it
CorpayDate and amount by OCR; line recovery depends on the image

Corporate cards

SmartbillsCorporate and virtual cards
CorpayMastercard commercial, virtual, ghost and prepaid

Expense reports and reimbursements

Smartbills
Corpay

Supplier bills and supplier payments

Smartbills
Corpay

Cross-border payments and foreign exchange

SmartbillsNarrower
Corpay140+ currencies across 200+ countries

Fleet and fuel cards, workforce lodging

Smartbills—
Corpay

Receipts issued by the merchant

Smartbills
Corpay—

What the same receipt does for a merchant

SmartbillsLoyalty, pay at table, customer activation
Corpay—

Moving from Corpay

None of this needs a big-bang cutover. Most teams run both tools for one cycle and compare capture rates before switching anyone off.

  1. List what you use today

    If fuel cards, workforce lodging or payouts in 140 currencies are on the list, Smartbills doesn't replace those. Keep them.

  2. Connect your accounting

    Point Smartbills at the ledger you already use and map your categories once.

  3. Run both for one cycle

    Compare capture rates on employee card spending, which is where the two actually overlap.

  4. Move only the right cards

    Give Smartbills cards to the teams with the most receipts first, and leave the fleet program where it is.

FAQ

Frequently asked questions

What people ask us before they sign up.

Yes. FLEETCOR renamed itself Corpay on 25 March 2024, and the ticker changed from FLT to CPAY. It's still publicly traded.

It holds a minority stake of roughly a third, taken alongside TPG in October 2025, and TPG holds the majority. They are separate operating companies and are compared separately here.

Because the part they share (the receipt behind a card transaction) works very differently in each. If you need fuel cards and payouts in 140 currencies, buy Corpay.

Keep comparing

More comparisons

The products people evaluate alongside Corpay.

All Corpay alternativesBest expense management software

The products that do the work.

Each product works on its own, and when you run two, the same record carries from the receipt to the ledger entry.

Get started

Ready to see it against Corpay?

Bring one month of your own receipts and card transactions, and we'll show you the capture rate on both sides instead of a slide deck.

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