Docyt vs Puzzle (2026): which should you pick?

Pick Docyt if

• Fits if you run hotels or restaurants and want reconciliation done daily
• Works for franchises with several locations

Look elsewhere if

• Skip it if you want a price on the page: it is quoted on request
• Not for you if you're a freelancer or a very small business, since the pages are written for multi-location firms
• Watch out: plans are annual, priced by property type and size rather than seats
• Watch out: check and ACH payments carry transaction fees shown on the order form

Pick Puzzle if

• Fits if you're a startup that wants AI to categorize transactions
• Works for founders who link Stripe, Mercury or Ramp

Look elsewhere if

• Tight if you lean on the AI: 25 lifetime credits on Starter and Core, 100 a month on Complete
• Skip it if you're a team: Starter has 1 seat and Core 5, with unlimited from Complete at $100
• Pricey if you want bookkeeping done for you: from $171 a month with Core, and it needs a subscription
• Watch out: a QuickBooks migration costs $149 one-time unless you add catch-up bookkeeping or Full Service

Docyt

• No price is published; Docyt quotes from property details and says it usually replies within one business day.
• Price follows the size and type of each property, not seats, and plans are annual.
• Check and ACH payments carry transaction fees, disclosed on the order form.
• Its pages are written for hotels and similar multi-location firms, not for freelancers or very small businesses.

Puzzle

• Starter allows one seat and Core five; unlimited seats start at Complete.
• AI credits are limited: 25 for the lifetime of Starter and Core, 100 a month on Complete.
• Bookkeeping services start at $171 a month with Core, for up to $10K in monthly expenses, and need an active subscription.
• A QuickBooks migration costs $149 one-time unless catch-up bookkeeping or Full Service is added.

Docyt

Daily revenue reconciliation

Matches property management and point-of-sale transactions to bank deposits and merchant payouts each day, with chargeback and deposit tracking.

Continuous close

Bank and card reconciliation run daily on Docyt's own ledger, with AI agents and a month-end close process intended to shorten the close.

Bill pay and corporate cards

Captures and codes bills, routes them for approval and pays by ACH, check or card; cards draw on live category budgets.

Business intelligence

Daily flash reports, budgeting, forecasting, scenarios and benchmarking against a STR comp set, plus portfolio roll-ups.

Multi-entity accounting

Intercompany entries, management fees and owner reporting across properties, with USALI-format operating statements for hotels.

Vendor and 1099 management

Collects W-9 forms from vendors and prepares 1099 filing as part of the payments module.

Puzzle

AI categorization and close

Categorizes most transactions automatically, reconciles accounts and drafts financial statements; an AI suite adds chat, cowork and close tools.

Cash and accrual books

Keeps both bases, with accrual automation for prepaid expenses and fixed assets and revenue recognition on Complete.

Startup metrics

Cash, burn, runway and margin insights plus spend and revenue tracking, from the Core plan.

Integrations

Connects to Stripe, Mercury, Ramp, Brex, Gusto and other finance tools through live API links.

Accounting services

Expert Reviewed and Full Service bookkeeping, priced by monthly expenses and sold only alongside a subscription.

API and MCP

An API and MCP server let you connect the books to Claude and ChatGPT.

Docyt

Pricing could not be confirmed. See docyt.com.

Puzzle

• Starter$25

  per month, billed annually ($30 billed monthly)

  1 seat; 85 to 90% of transactions categorized automatically, cash and accrual books, 25 lifetime AI credits.

• Core$60

  per month, billed annually ($72 billed monthly)

  5 seats; adds cash, burn and runway insights, variance analysis, custom chart of accounts and multi-entity.

• Complete$100

  per month, billed annually ($120 billed monthly)

  Unlimited seats; adds AI accuracy review and reconciliations, revenue recognition, priority support; 100 AI credits a month.

• Scale$300

  per month, billed annually ($360 billed monthly)

  High-volume accounting with subledgers, no transaction or integration limits, backup and restore; 300 AI credits a month.

Docyt

No public discounts listed.

Puzzle

• Annual discount

  12 months for the price of 10

  The pricing page's yearly option charges for 10 months of the monthly price, which is $25 against $30 on Starter.