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Smartbills vs Slyp

Both put the merchant's receipt next to the card transaction. Slyp stops there on purpose because its user is the shopper, while Smartbills keeps going for the business that has to account for the purchase.

At a glance

Smartbills vs Slyp, in one screen

Slyp connects to Australian merchants' point-of-sale systems and sends an interactive smart receipt to the customer's banking app within seconds of payment, matched to the card they used. Its best-known deployment is with NAB, whose customers can search and filter receipts by merchant, location and amount.

Smartbills

Best for

Businesses that need each receipt to work as an accounting document, coded and posted to the ledger.

Where it's stronger

  • A business can actually use it: coding, expense policy, approvals and ledger posting are included.
  • Distribution doesn't depend on any one bank's app.
  • Returns, warranty and tax receipts all come from the same line items.
  • Payables, receivables and card issuing run on the same platform.

Slyp

Best for

Australian merchants and shoppers who want a better receipt inside the banking app they already use.

Where it's stronger

  • Bank distribution in Australia that Smartbills can't match, since the NAB app is a real channel.
  • Very broad Australian point-of-sale coverage, built up over years.
  • The interactive shopper receipt is a genuinely well-designed product.
  • For an Australian retailer that wants a better customer-facing receipt, Slyp is the obvious pick.

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 Slyp, 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
Slyp

Matching the receipt to the card at payment

Smartbills
Slyp

Delivery inside a banking app

SmartbillsWhere the bank embeds it
SlypNAB and other bank partners

Business expense workflow

Smartbills
Slyp—

Corporate cards and policy at the point of purchase

Smartbills
Slyp—

Syncing to your accounting system

Smartbills
Slyp—

Point-of-sale and bank coverage in Australia

SmartbillsNot our home market
SlypDeep, and the reason to choose them

Moving from Slyp

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. Shopper goal or finance goal?

    If the goal is a better receipt for Australian shoppers, Slyp already does that well.

  2. Check card coverage

    Confirm which card programs can receive network receipts on each side before committing.

  3. Connect your accounting

    Point Smartbills at your ledger before moving any spending over.

  4. Compare the attachment rate

    Run both for a month and count transactions that ended up with itemized data.

FAQ

Frequently asked questions

What people ask us before they sign up.

Yes. Slyp handles the shopper's receipt in the banking app, while Smartbills handles the business record and the bookkeeping behind it.

Yes, it isn't region-locked, but its merchant density there is far behind Slyp's. Look at where your spending actually happens before you choose.

Mostly, yes: both carry the POS line items instead of an OCR reading of a photo. They differ in how the receipt is delivered and who receives it.

Get started

Ready to see it against Slyp?

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.