Compare smepay and Found on pricing, features, platforms, and ratings — both Payments tools, paid vs Freemium (free core account with optional paid tiers)…
At a Glance
smepay
Found
Primary category
Payments
Payments
Rating
Not documented
Not documented
Pricing model
paid
Freemium (free core account with optional paid tiers)
Starting price
Not documented
Free (paid tiers from $35/month)
Free plan
Not documented
Yes
Free trial
Not documented
Yes
Platforms
Not documented
Web, iOS, Android
Team collaboration
Not documented
Not documented
AI features
Not documented
Yes
Public API
Not documented
Not documented
Pricing Compared
Starting price reflects the lowest paid tier, not the full cost for every team size or usage level.
smepay
No individual plan breakdown documented yet.
Found
Found (Free) — $0/month No commitment
Found Plus — $35/month or $315/year Monthly or annual (25% savings annually)
Found Pro — $80/month or $720/year Monthly or annual (25% savings annually)
Pros & Cons
smepay
Found
Pros
Free core plan includes real bookkeeping, tax estimation, and unlimited invoicing with no monthly fee
Built-in contractor payments with 1099-NEC filing removes the need for a separate payroll tool
AI-powered Found Assistant embeds account support and task automation directly into the app
Backed by well-known investors including Sequoia Capital, Founders Fund, and Lightspeed Venture Partners
Cons
Highest interest rates and cash back are locked behind the paid Plus and Pro subscription tiers
Customer support leans more on email and self-service tools compared to some competitors' live support
As a fintech rather than a chartered bank, deposits rely on third-party partner-bank relationships
No physical branch network, which may not suit business owners who prefer in-person banking
Use Cases
smepay
Found
Freelancer and gig worker banking — Independent contractors manage income, expenses, and tax set-asides in one account instead of juggling separate tools.
Contractor payments for small teams — Small business owners pay 1099 contractors and automatically generate year-end tax forms without a separate payroll platform.
Client invoicing and cash flow tracking — Service-based businesses send invoices and track payment status directly within their banking account.