BILL Spend & Expense vs Budgetly

QuickBooks Online

PayPal

Abby

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Abby helps businesses ensure that customer documents are legal and comply with the rules. Customers can pay online and receive reminders for late payments.


Pastor

They are difficult to contact and when you do get in touch with them they don't have enough familiarity with their own product to be helpful

Ithen had to try and get some it back from my customer.

Head of Implementation

No system can completely eliminate human forgetfulness, but BILL definitely reduces the friction.

Take control of your business budgets and say goodbye to the “spend now, ask forgiveness later” mentality. With Divvy, never go over budget again. Period.

Access Controls/Permissions

Accounting

Accounting Integration

Activity Dashboard

Ad hoc Reporting

Alerts/Notifications

Approval Process Control

Approval Workflow

Audit Management

Audit Trail

Automated Receipt Matching

Bank Reconciliation

Billing Portal

Booking Management

Budget Control

Budgeting/Forecasting

Cash Flow Management

Cash Management

Categorization/Grouping

Client Management

Compliance Management

Configurable Workflow

Consolidation/Roll-Up

Contact Database

Corporate Card

Credit Card Management

Customizable Fields

Customizable Reports

Customizable Templates

Dashboard

Data Import/Export

Data Visualization

Document Management

Duplicate Detection

Electronic Payments

Employee Self Service

ERP integration

Expense Claims

Expense Tracking

Financial Analysis

Financial Management

Fixed Asset Management

For Accountants

Fraud Detection

General Ledger

Income & Balance Sheet

Invoice Creation

Invoice History

Mobile Access

Mobile App

Mobile Payments

Mobile Receipt Upload

Multi-Company

Multi-Currency

Online Booking

Online Invoicing

Online Payments

Payment Collection

Payment Processing

Policy Management

Prepaid Cards

Profit/Loss Statement

Project Tracking

Purchasing & Receiving

QuickBooks Integration

Real-time Alerts

Real-Time Analytics

Real-Time Data

Real-Time Monitoring

Real-Time Notifications

Real-Time Reporting

Real-Time Updates

Receipt Management

Recurring/Subscription Billing

Reimbursement Management

Reminders

Reporting/Analytics

Reporting & Statistics

Restriction Management

Rules-Based Workflow

Search/Filter

Secure Data Storage

Self-Service Reporting

Single Sign On

Spend Analysis

Spend Control

Spend Management

SSL Security

Staff Management

Summary Reports

Task Management

Tax Management

Third-Party Integrations

Time & Expense Tracking

Timer

Time Tracking by Client

Time Tracking by Project

Transaction History

Travel Management

Reviews for BILL Spend & Expense come from a wide variety of industries, including Non-Profit Organization Management (8% of reviewers), Construction (8%), and Marketing and Advertising (6%). The most frequent use case for BILL Spend & Expense cited by reviewers is spend management (63% of reviewers).

Users and use cases

Some reviewers appreciate that BILL Spend & Expense offers valuable features at no cost, and they say the absence of fees and rewards increases cost-effectiveness. However, some reviewers report unclear pricing, unexpected fees, and unwanted subscriptions reduce value.

Value for money

The BILL Spend & Expense integration most frequently cited by reviewers is QuickBooks Online, an accounting product rated 4.7 out of 5 for its integration with BILL Spend & Expense.

Integrations

BILL Spend & Expense is a spend management program with key features that include expense tracking, receipt management, mobile receipt upload, approval process control, spend control, accounting integration, and more.

BILL Spend & Expense

Web-based

Android

iPhone

iPad

Windows

Expensify

SAP Concur

Ramp

Emburse Expense Professional

Emburse Nexonia

Zoho Expense

Spendesk

Mesh Payments

QuickBooks Enterprise

ExpensePoint

Wave

BILL Accounts Payable & Receivable

Spend & Expense

Occasional bugs and glitches

President

I constantly wind up with black spaces on my screen rendering those parts of my screen useless.

62% of reviewers feel negative about Divvy’s bugs and issues. Users report experiencing glitches, slow performance, and occasional site crashes that disrupt their workflow. Some reviewers find that bugs in the system can make certain features unreliable or require frequent browser refreshes. They mention that the software, being relatively new, is still prone to technical problems and unexpected errors. Users think these issues can be inconvenient and sometimes frustrating, especially when they interrupt important tasks or require assistance from support to resolve persistent problems.

Flexible virtual card management

Owner

Being able to crate a virtual cards for all the different vendors is amazing so I know how much I'm spending with each vendor.

90% of reviewers feel positive about Divvy’s virtual cards. Users think the ability to instantly create virtual cards for employees, vendors, or specific purchases is a major advantage. Reviewers appreciate how virtual cards help control spending, prevent fraud, and protect physical card data. They say managing recurring subscriptions and one-time purchases is easier and more secure with virtual cards. Some users report that having unlimited virtual cards simplifies expense tracking and reconciliation, especially when assigning cards to different vendors or team members. They find this feature particularly valuable for managing budgets and enhancing financial oversight.

Intuitive and accessible experience

The app and PC interface are very user-friendly.

90% of reviewers feel positive about Divvy’s ease of use. Reviewers indicate that both the web and mobile apps are user-friendly, making it simple to navigate and manage accounts. Users think the intuitive interface shortens the learning curve, allowing quick onboarding for new team members. They appreciate being able to access features from any device, which supports business operations on the go. Some users say the platform’s design makes tracking expenses, switching accounts, and attaching receipts straightforward. They also mention that implementation and adoption are smooth, with helpful support available when needed.

Teacher

It allows me to easily record things like mileage and meal costs while I’m on the go, without having to keep up with paper receipts or wait until the end of the trip.

Manager, Accounts Payable

Spend & Expense allows me to manage all credit cards for the entire agency from one portal.  

accounting support

BILL Spend & Expense, formerly Divvy, has a fantastic interface on both mobile and online app. If you have not had a receipt management/credit card management service for your team, this really DOES improve your life.

Wish it offered a non-web-based version for offline use and greater flexibility with local access, slows down performance

As a teacher, I use BILL Spend & Expense to help manage and track expenses during state testing travel.

It will still send a credit card - which in most cases is not how people want to get paid. If 5 happens to you (where you select to pay via ACH from your bank instead of a virtual card) your bank account will STILL pay for it like a prepayment to your LOC (stupid). If your account is frozen - you can't even use those funds anyway. If you reach out to customer support - you will chat with someone who is extremely unresponsive and feels like they are talking to 10 other people.

It was not until we called Bill that they even had any idea there was suspicious activity on the account despite the thief making repeat purchases at the apple store, expensive clothing stores, etc. that our company has zero history making purchases at. When the fraud claim was filed it was erroneously noted that the stolen card was still in the possession of the employee. While we attempted to correct this, Bill rejected the fraud claim and refused to appeal their decision.

Operations Manager

Bill is a secure website for me to keep track of all my spending and expenses by employees and other staff.

It helped me manage my budget for my small business and saved me lots of time.

This is my first spend management software experience, and whether Divvy is advanced or standard, it really has improved the workflow for expense and receipt management.

Payroll manager

The platform is intuitive, helps us stay on top of real-time spending, and makes reporting effortless.

Meanwhile, the employee’s tiny credit union, that apparently has a much better fraud protection algorithm than a $10B tech startup, refunded them the $1000 thirty minutes after they called to tell him he had suspicious activity on his account.

While I'm glad to have reward options and be able to give my teams access to funds that I can see and manage, we are dealing with a lot of frustration on an almost daily basis for a tool that's supposed to make our jobs easier.

Scrolling through transactions and entire weeks of transactions will disappear until you log out of the tool and log back in (I have screen recordings).

As a result, our reconciling was a mess because all charges were being paid only by one entity.  

Software - creating budgets and getting cards to people is pretty simple but in the past 30-60 days the software has started to manifest some bugs.

We consolidated from credit accounts with dozens of vendors.

Private Security

I borrowed $13,000 to cover payroll, and just days later, they pulled the entire amount back from my business account without warning, sending my balance deep into the negative.

I feel our integration should have been better reviewed for and have had more foresight into the set up.

Manager, Business Development

It can be slightly annoying having to search each time for the new expense rather than from a list.

Using his credit card and intuitive software, he was able to automate the entire process of expense reporting, budgeting, and reimbursement.

So you should only use Bill if you are sure you will never lose a credit card, never have one stolen, or never use your cards.

Media

This is fraud but I can't take them to court because it would cost too much money so I am hoping this review can help spread awareness about how they are maliciously defrauding people like me.

It is easy to see how much budget there is on your company card, and I really appreciate how quickly they populate.

Director

I also love that I can see how much money is left in each budget so I always know how much money there is left.   If I forgot to upload a receipt, I immediately get a notification from Divvi to remember to upload the receipt.  

Oh, and my account was frozen because I didn’t know our first date to pay, and had a $38 balance.

I was forced into purchasing a subscription because two of my clients use Bill for their payment methods.

Head Athletic Trainer

Once a purchase has been made you are notified right away and can provide all information needed.

You can still (purposely or accidentally) make payments from it regardless if it's frozen or not.

Quality improvement advisor

The ability to take photos of receipts in the app and the map feature for mileage reimbursement

I feel like they are a bad actor in a surprising way in this industry because they do not work with other accounting or bookeeping SaaS

Their lack of communication, transparency, and consideration for how small businesses operate is unacceptable.

overall i was very disappointed in the fact that I lost more money than the program was worth.

This kind of unpredictable behavior is dangerous for any small business relying on stable cash flow.

Let’s be honest—chasing down receipts is one of the most tedious parts of expense management.

BILL as a whole is hostile architecture as an accounting/business "solution."

It's simple and it sends reminders to your email which comes in handy.

You cannot cary a balance - which is not clear when signing up

For cash management, this seems like the fastest way to destroy your business.

I even scheduled it because I have meetings back to back most days.

My company is in serious trouble because of how it defaults our payments.

BILL Spend & Expense vs Budgetly Comparison (2026)

BILL Spend & Expense

Budgetly

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives