Hubdoc is the capture tool many small businesses get without choosing it, because it comes with Xero. It photographs a bill, reads the supplier, date and total, and publishes it with the document attached. For a few dozen simple bills a month that's often enough. People look for an alternative when they need more than the header.
Facts are as of 7 October 2026, taken from each vendor's public pages. Sources are listed at the end.
Where Hubdoc stops
No line items. Hubdoc's own help centre says it doesn't extract line-item data automatically. You type the lines or rely on supplier rules. Xero has said line-item extraction is not in its pipeline. On a 26-line phone bill, that's 26 lines typed by hand.
US data storage. Hubdoc's privacy policy says its servers are on AWS in the United States, so EU documents leave the EU.
Fewer automatic bank-statement imports. Hubdoc retired its automatic statement-fetching connections in 2022. Statements now come in by email, upload or a few direct connections.
No approval workflow. We found none in Hubdoc's documentation. It has duplicate detection and per-supplier rules.
Side by side
| | Hubdoc | Invoreg AI | |---|---|---| | Header fields | Yes | Yes | | Every line, with VAT per line | No | Yes, included | | Duplicate check | Yes | Yes, also against bills already booked | | Approvals | Not documented | 1–3 levels | | Bank statements | Imported as documents | Read line by line and matched to invoices | | Accounting software | Xero, QuickBooks Online, Bill.com | Zoho Books (Xero and QuickBooks Online planned) | | Data location | United States | European Union | | Price | Included in Xero UK plans; US$12/month standalone | From €0.33 per document, first 20 invoices free |
Where Invoreg AI fits better
- Your invoices have many lines that need coding: utilities, telecoms, wholesale, construction.
- You must keep supplier invoices in the EU for GDPR reasons, or because your engagement letters promise it.
- You want approvals before anything is booked, and an audit log of who approved what.
- You want the bank statement matched to those invoices too, without a bank feed. See bank reconciliation.
Where Hubdoc is the better choice
- You're on Xero and happy with header-only capture. It's included in your plan, and Invoreg AI's Xero connector isn't live yet. Hubdoc is the sensible default.
- You only need a digital filing cabinet for receipts, with a mobile app.
If you're on Xero and need line items, tell us. We'll give you a date for the Xero connector and run your invoices through the reading engine in the meantime.
How to decide
Pick your three longest recurring bills. Count how many lines you type into Xero for each one every month. If it's more than a handful, header-only capture is costing you the time it was meant to save. Book a demo with those bills.