Skip to main content
Save 30% on your first year

Smartbills vs ReceiptHero

Both get the receipt straight from the POS, so nobody photographs anything. They part ways once it arrives: ReceiptHero shows it in the banking app, and Smartbills sends it on to approval and the books.

At a glance

Smartbills vs ReceiptHero, in one screen

ReceiptHero is a Helsinki company that sends itemized point-of-sale receipts into banking and accounting apps through a single API. It has direct integrations with Nordea and SEB, partners with Visa and Mastercard to match receipts to card transactions, and its Finnish merchant base includes State Treasury government card programs.

Smartbills

Best for

Businesses that want the merchant's receipt plus the coding, approval and accounting entry that come after it.

Where it's stronger

  • Coding, policy, cards, payables and tax categories attach to one record.
  • Merchants get something for joining, in loyalty, offers and customer activation.
  • Designed for North American card rails and sales tax rules.
  • Delivers fiscal receipts under government mandates, all the way to the citizens themselves.

ReceiptHero

Best for

Nordic banks and merchants that mainly need receipts to show up in a banking app customers already use.

Where it's stronger

  • ReceiptHero is well ahead on Nordic merchant density, and in this category the network with more merchants usually wins.
  • Its direct Nordea and SEB integrations reach bank customers Smartbills can't.
  • Its Visa and Mastercard partnerships give it European card-linked reach that Smartbills lacks.
  • If the goal is receipts inside a Finnish banking app, ReceiptHero got there first and did it well.

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 ReceiptHero, 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.

Receipt issued by the merchant's point of sale

Smartbills
ReceiptHero

Matching the receipt to the card transaction

Smartbills
ReceiptHero

Delivery into a third-party banking app

SmartbillsEmbedded, via the bank's surface
ReceiptHeroNordea, SEB and card networks

Expense policy, approvals and reimbursement

Smartbills
ReceiptHero—

Supplier bills and customer payments

Smartbills
ReceiptHero—

Loyalty and customer activation on the receipt

Smartbills
ReceiptHero—

Merchant coverage in the Nordics

SmartbillsEarly here
ReceiptHeroYears of activated Finnish merchants

Moving from ReceiptHero

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. Rail or workflow?

    If all you need is receipts showing up in a Nordic banking app, ReceiptHero gets you there sooner.

  2. Map the merchant footprint

    Count activated merchant locations where your cardholders actually spend, not headline totals.

  3. Connect your accounting

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

  4. Run both for a cycle

    Then compare the share of transactions that came back with an itemized receipt.

FAQ

Frequently asked questions

What people ask us before they sign up.

Yes, at the capture layer: both deliver itemized digital receipts issued by the merchant, not photos. After capture they split, because Smartbills carries on into expenses, cards, payables and tax categories and ReceiptHero deliberately stops.

Probably ReceiptHero, if the requirement is delivery into a banking app. Its Finnish merchant density is real, and Smartbills has a smaller presence there.

Yes. With embedded receipts, the itemized receipt appears inside your own app under the matching transaction, built from the card data you already have.

Get started

Ready to see it against ReceiptHero?

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.