Ontraq and Obra both scan receipts and both tag them to jobs, which is why they get compared. The difference is who the product is for. Ontraq's home is QuickBooks Online: it exists to get coded receipts into the books with less bookkeeper time, and its higher tiers add time tracking and budgets on top. Obra's home is the project: the receipt becomes a confirmed cost on a job that also carries the contract, the change orders and a reviewed forecast, and the books get exports.
Where the two products actually differ
Start from what the owner sees on a Tuesday. In Ontraq, a receipt is scanned, coded and synced; the job's budget-versus-actual and profitability dashboards live on the top tier, and the known costs that make a mid-job margin honest arrive as bills do. In Obra, the same receipt is confirmed to a project whose page already shows a reviewed expected final cost and cash collected, on every plan. The committed costs guide explains why that distinction decides whether the margin you see mid-job is the one you'll get.
The receipts problem
Ontraq captures by app photo and email, from users on the plan's seats. Obra adds WhatsApp and a submitter role, so the person at the lumber counter sends the receipt from the app they already have, in the language they already use, without a seat on the books. On a crew that texts you receipts in Spanish, that's the difference between a receipt and a memory.
What Ontraq does that Obra doesn't
GPS time clocking with labor cost by job, a two-way live QuickBooks Online sync, vendor insurance tracking, and a bookkeeping service from the same company. If those are on your list, Ontraq has them and Obra doesn't. Obra records labor at a burdened rate on the job but does not run a clock.
Price, plainly
Ontraq starts at about $30 a month for two users and reaches about $80 for the tier with budgets, profitability and change orders, plus about $9 per extra user. Obra is free for one active project and $12 per user per month; a crew of three pays $36 with every feature. Prices checked September 4, 2026.