At a glance
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.
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.
Where it's stronger
Best for
Businesses outside Québec that want a Canadian business credit card with higher limits, rewards and multi-currency accounts from one provider.
Where it's stronger
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
These are structural differences, not plan checkboxes. Capabilities change, so check the vendor's own documentation before deciding on any single row.
Business credit card
Available in Québec
Itemized receipts sent by the merchant
Receipts read from the mailbox
Receipts sent by text message
GST, HST and QST per receipt line
Out-of-pocket reimbursements and mileage
Multi-currency accounts and international payments
Accounting sync
None of this needs a big-bang cutover. Most teams run both tools for one cycle and compare capture rates before switching anyone off.
Smartbills reads card and bank feeds. Keep cards can stay exactly as they are.
Emailed receipts come in on their own, and coded entries post to QuickBooks, Xero, Sage or NetSuite.
Out-of-pocket purchases and trips go on the same report as card charges, with the same approvals.
After a month, compare how many charges have an itemized receipt with the tax split out.
FAQ
What people ask us before they sign up.
Keep comparing
The products people evaluate alongside Keep.
For Canadian companies that want more from each card charge than the amount: the itemized receipt, with its GST, HST or QST.
Read the comparisonFor Canadian businesses weighing Venn's accounts and cards, especially in Quebec, where Venn says it isn't available.
Read the comparisonFor Canadian businesses that sell across borders with Loop and still need each receipt coded with its Canadian sales tax.
Read the comparisonEach product works on its own, and when you run two, the same record carries from the receipt to the ledger entry.
Capture receipts, categorize expenses and check policy compliance as expenses are submitted.
Expense report software that attaches the receipts for you, works out mileage, routes the approval and shows each employee when they'll be paid back.
Connect Gmail, Outlook, Zoho Mail or IMAP. Automatically collect receipts and invoices from the folders you choose, including Archive and Spam.
Get started
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.
