Kick (kick.co) is a US AI bookkeeping ledger where, by its docs, AI categorizes transactions and people review. comma is Canadian books where AI proposes and a person approves every posting.
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comma is built for Canadian corporations. There is no chat box inside the app and no rules engine. Your own Claude or ChatGPT connects to the books and can read and write, asking you before each write. A built-in AI bookkeeper on Pro and Premium proposes categories and finds receipts.
Nothing posts until a person reviews it.
Kick is a US AI bookkeeping ledger for business owners and accounting firms. Its docs say AI categorizes transactions when they sync, applies the predictions it is confident in, and leaves the rest for a person. Your own rules override the AI.
It also has firm tooling, such as chart of accounts and report templates across clients, and an official read and write MCP.
Nine rows. Where we could not find something in kick.co’s documentation, the cell says so instead of guessing.
| comma | Kick (kick.co) | |
|---|---|---|
| AI assistant | comma Your own assistant, plus an AI bookkeeper There is no chat assistant inside the app. Connect Claude or ChatGPT to ask questions from live reports, draft and do real writes; it asks you before each one, within your role, and every action is audited under your name with an AI marker. A built-in AI bookkeeper (Pro and Premium) attaches receipts and proposes categories, transfers and matches. It never posts, and everything it does can be undone. | Kick AI categorization, questions through MCP Kick’s docs say AI categorizes transactions on sync. Automated categorization, transfer matching and other AI actions are logged in Activity under the relevant Kick agent. After you correct a transaction by hand, Kick prompts you to apply the same change to similar ones. Questions in plain language are asked through the MCP, in an external AI tool. Not found in their docs: a chat assistant built into the app. |
| MCP / AI connector | comma Read and write, 190 tools An official remote MCP server with OAuth, for Claude, ChatGPT and any compatible client. 91 read tools and 99 write tools; 77 are flagged so the assistant asks you first. Read-only on Basic, read and write on Pro and Premium.
It records payments and never moves money. Bank linking, people, billing and permanent delete stay in the browser. | Kick Official, read and write An official Kick MCP with OAuth. Read access to data across multiple businesses and clients, and write tools from journal entries to client setup. You choose Read-only or Read & write, and the workspace scope, when you connect. Kick’s docs have connector guides for Claude, ChatGPT, Gemini, Perplexity and custom AI tools. Its pricing page lists “MCP/CLI” with read and write access for Claude, ChatGPT or Cursor. Its changelog says the MCP is on all paid plans, Basic and up, not Free. Not found in their docs: the number of tools on Kick’s own pages (two third-party directories list 39), which calls ask the person first, and the date the MCP was announced. |
| Automatic AI transaction handling | comma AI proposes, a person books Plaid bank feeds for Canadian banks on every plan, plus CSV import and manual entry. There is no rules engine, and comma’s own code proposes nothing. The AI bookkeeper (Pro and Premium) or your assistant proposes a category, a transfer, or an invoice or bill match. Nothing posts automatically. Rows wait in a review queue and your tick books the entry. AI proposals carry a marker and can be filtered; bulk review confirms first. | Kick Confident categories applied, rules on top Kick’s docs say high-confidence predictions are applied automatically and ambiguous ones are left uncategorized or flagged for review. Rules override the AI: Transactions, Transfer and Split Rules run at sync or when a rule is created, and Accounting Rules run on every update. Transfer matching is automatic and logged. Kick’s help says it may miss transfers within the same account, which are matched by hand. AR/AP automation is listed on Plus. Bank feeds come through Plaid, and the Free plan is capped at 250 categorized transactions a year. Not found in their docs: one figure for Plaid bank coverage (Kick’s FAQ extract says 10,000+ institutions; an earlier check recorded 12,000+). |
| Email inbox receipt matching | comma Searches Gmail and Outlook, on Premium Premium companies connect Gmail, Outlook or both, read-only. The AI bookkeeper or your assistant searches by sender, terms and dates, imports PDF and image attachments into the receipt inbox, and attaches the receipt to a transaction. That attachment waits for you to confirm or detach. Emails with no attachment are left for a person. There is no forward-to-email address. Receipts also arrive by browser upload, iPhone camera or the connector. AI reading of totals, dates and tax is Premium. | Kick Forward, text or upload Receipts reach Kick by text message to a Kick phone number, by forwarding email to receipts@kick.co (attachments up to 20 MB; an email with no attachment is stored as a PDF of its contents), or by upload. A forwarding address can be set up, with a Gmail verification step. Kick files the receipt in Documents and matches it to the transaction once it settles, if possible. Its pricing page says matching works on receipts uploaded or sent from an approved phone number or email. Not found in their docs: connecting a Gmail or Outlook inbox and searching it to find receipts, and whether a Gmail auto-forward rule is supported beyond the forwarding-address verification note. |
| iOS app | comma iPhone and iPad app, listing not confirmed A native iPhone and iPad app: review bank lines, capture receipts with the camera, create and send invoices, record bill payments, read the ledger and statements, reconcile, search and switch companies. It is a free companion and needs iOS 27. We have not confirmed its public store listing as of the checked date, and we quote no rating, so check availability first. Plans and billing are web only. There is no Android app. | Kick Not found in their docs: a Kick mobile app. No Kick bookkeeping listing surfaced in our App Store search, and Kick’s changelog and docs do not mention a mobile app; we did not confirm on the App Store itself that there is none. Kick’s docs describe receipt capture from a phone by text message. |
| Multiple companies | comma One account, priced per company One billing account holds several companies, each with its own ledger, currency, roles and audit trail, and a fast company switcher. Every plan includes one company; each extra company is a paid add-on priced per plan. Intercompany checks are Premium. comma has no consolidated financial statements. | Kick Multiple entities from Plus Free and Basic: one entity. Plus adds multiple entities: an extra entity is free up to 250 transactions, then US$50 a month per entity. Advanced adds consolidation and multi-book, marked beta. Not found in their docs: one entity limit for Advanced (the pricing page lists unlimited entities on Plus and Advanced; the plan-comparison docs say Advanced includes up to five, contact sales beyond that), and whether an extra entity’s 250 transactions reset (the plan comparison says per year; the multi-entity doc says the count does not reset). |
| Canada | comma Built for Canadian corporations GST/HST tracked on documents, a GST/HST return worksheet (regular method only) and the remittance recorded. GIFI account mapping for your accountant’s year-end handoff. Books in CAD, with USD bank and card accounts on Pro and Premium at Bank of Canada rates. Canadian bank feeds only. No foreign-currency invoices or bills. comma never files anything with the CRA. | Kick Not found in their docs: GST/HST, books in CAD, Canadian bank coverage or CRA forms. No Kick page we found mentions them, and the integrations Kick lists (Gusto, Mercury, Ramp, BILL) are US-oriented. |
| Other features | comma Double-entry books, no add-on products Invoices, credit notes, customer statements and reminders; bills and vendors; journals; bank reconciliation; P&L, balance sheet, trial balance, general ledger and aging; audit log; year close. Four roles, and invited users such as your accountant pay nothing. Not in comma: inventory, projects, time tracking, quotes, recurring invoices, online payment collection on invoices, an app marketplace, or SOC 2 or ISO 27001. | Kick Firm workspace and direct integrations Invoicing on all plans; reconciliation and statement sync from Basic; multi-entity, classes, AR/AP automation and an accrual ledger on Plus; consolidation, revenue recognition and multi-book on Advanced (beta). Direct integrations with Ramp, Mercury, Gusto, Stripe, PayPal and BILL. An accountant and firm workspace, with chart of accounts and report templates across clients. Not found in their docs: payroll, inventory, projects and time tracking. |
| Pricing | comma Per company, not per user
CAD a month, or billed annually. Taxes extra. One company included; extra companies are an add-on priced by plan. No free plan; the trial needs a card. If a subscription lapses, the books become read-only and exportable, not deleted. | Kick Listed in USD, from search-engine extracts
USD a month, from search-engine extracts of Kick’s pricing page; we could not open the live page. List prices as shown on their pages on 10 November 2026. Prices change, so confirm on the live page. Free: one entity, 250 categorized transactions a year. Basic is shown as US$480 billed annually, Plus as US$300 billed quarterly, and Advanced is billed monthly. Plus adds US$50 a month per extra entity past 250 transactions. Not found in their docs: a per-user charge, prices in CAD, and one trial length (the pricing page shows a 14-day trial on Basic and Plus; another Kick page mentions 30 days). |
Your assistant wants to use comma
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Invoice INV-0042 · Northwind Supply
$4,200.00 CAD · due in 30 days
91
read tools
99
write tools
77
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Dashedproposed by AISolidbooked
Connected mailbox · read-only
billing@northwindhosting.example
Your March receipt · receipt-0312.pdf
Northwind Hosting
12 Mar · read by AI
This page is comma’s perspective. Verify before you decide. Kick claims and list prices were checked on 10 November 2026. We could not open kick.co, docs.kick.co or help.kick.co directly during this check. The Kick column rests on search-engine extracts of the pages below, not a direct read, so confirm each point on the live page. The date Kick announced its MCP could not be confirmed and is left out.