Snaffle gets receipts into the right Xero in three taps. Tagged to the right project, the right entity, or both. Learning what your bookkeeper codes things to, so it gets smarter every week. Built for the small businesses Hubdoc never quite figured out.
In 2026 we use a digital wallet, print a receipt to make it digital again. Snaffle is the bit in the middle.
You're set up to capture for:
Camera works while you type.
Snap now if it's urgent.
3 taps. ~8 seconds.
If you run a trade, an agency, a charter, a photography business — every receipt is a job cost, but Hubdoc and Dext don't really do project assignment. So either your bookkeeper guesses, or you manually tag every receipt in Xero. Either way: hours per month, and the job-costing data ends up wrong.
If you run more than one business — tourism group, hospo group, holdco + ops co — it gets worse. Hubdoc is one-Xero-per-account so it can't even handle it. Dext charges per entity. The default ends up being WhatsApp photos to the bookkeeper.
And underneath both: most EFTPOS receipts arrive without GST numbers or itemised descriptions, making them non-compliant under NZ's TSI rules. The bookkeeper chases the supplier or eats the cost.
"Useless. 3 similar invoices, only 2 recognised. Cumbersome to Xero, too much fiddling. Adobe Scan emailed to Xero is faster." Actual Hubdoc App Store review, NZ
Staff don't need training. They don't need accounts. They don't need to know what an account code is. They snap a photo and tap which business it's for.
Big tiles per entity. Each staff member sees only what they're permitted to. No menus, no logging in.
Fullscreen camera. Big shutter. The whole bottom of the screen is the capture zone — works in motion, wet hands, gloves, sun.
Seconds later it's in Xero with vendor, GST, suggested coding, and a plain-English summary. By month two it's mostly pre-coded correctly.
For power users, Snaffle plugs into iOS so you skip the home screen entirely. Pay with Wallet however you normally do — then trigger Snaffle from a widget, the Action Button, or your voice. Camera opens, snap, done.
Voice command opens Snaffle straight to the camera with the right entity already tagged. Works from a locked phone, mid-fuel-stop, hands wet, gloves on.
One tap from a locked phone to the camera tagged to that entity. The Snaffle home screen, embedded in iOS itself.
Hold the side button → Snaffle Quick Capture fires → camera opens. Two physical actions from a Wallet payment to a captured receipt.
Tap the back of your entity's float card to your phone — Snaffle opens to the camera, tagged correctly. The card itself becomes the trigger.
Receipts is the staff job. Bills are the bookkeeper's job — and right now it's all manual transcription. Bank account, reference, due date, GST, amount, line items. For 30+ invoices a month. Every keystroke is a place for an error.
Snaffle reads the invoice, creates a draft Bill in Xero with every field pre-populated. Bookkeeper opens Xero, verifies, clicks approve. Goes from typing 8 fields to verifying 8 fields. 5-10x faster, with the human still accountable for the bank account.
Bonus: when the same supplier sends an invoice with a different bank account next time — Snaffle flags it. Invoice fraud via spoofed bank details is a growing attack on NZ small business. We catch it.
This product wasn't possible at all 4 years ago. The compliance rules, the AI capability, the card infrastructure, and the open banking rails — none of them existed in usable form. They all arrived inside a single window. We're 12 months into that window.
Receipts is the wedge. The destination is bigger.
No paper receipts. No printed invoices. No re-typing what's already digital. Every receipt in NZ should arrive in the right Xero, in the right project, with the right code, the moment the payment happens.
NZ small business pays ~$500M a year in card processing fees. With open banking now regulated and surcharges banned, those fees come straight out of merchant margin. Snaffle Pay routes NZ-to-NZ payments via open banking QR at flat ~35¢ — and as we scale, fractions of a cent.
Three taps to capture. One tap to pay. Zero taps to reconcile. The phone is the terminal, the wallet, the receipt book, the project tracker, and the bookkeeper's inbox — all at once. Same app for the staff member, the owner, the bookkeeper.
Every step earns the right to the next. By v4, Snaffle is the rails NZ small business runs on — fractions of a cent per transaction, free for the receipt layer, paid by the volume. The Stripe pattern, applied to NZ.
"In 2026 we use a digital wallet, print a receipt to make it digital again."
Snaffle starts as the daily receipts app for multi-entity owner-operators. Once we're in that workflow, the adjacencies are obvious — and large.
Receipts to Xero, multi-entity, learning over time. The wedge.
Auto GST lookup, TSI flagging, Peppol eInvoicing. Receipts that are actually valid.
Tap to Pay on iPhone, open banking QR, simple invoicing. Both rails, picked by context.
Stock, migration tools, AU expansion. National infrastructure for owner-operator transactions.
Snaffle is built by an owner-operator who lives this problem every day — several businesses sharing one team, three Xero organisations, and years of month-end where receipts showed up as a pile of WhatsApp photos.
After years of that pain across the entities — and a failed attempt to make Hubdoc cope with more than one Xero — Snaffle started as the tool he built for himself. It's now opening up to other owner-operators with exactly the same problem.
Tradies, consultants, photographers, tour operators, multi-entity owner-operators — pop your email in. We'll be in touch as beta access opens up.
Investors, bookkeepers, and curious operators — same form. Mention what's on your mind in your first reply.
Tap "Let's go" to start.
You're set up to capture for:
Camera works while you type.
Snap now if it's urgent.
From snap to coded receipt.