BILL Spend & Expense vs Blackbaud Financial Edge NXT

Moss

SAP Concur

Ramp

Moss is an expense management software that enables employees to spend in a decentralized way, giving finance managers complete visibility and control in real-time. By automating and digitizing spend, Moss frees finance teams from administrative tasks. 

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

Ramp is a cloud-based expense and spend management solution that provides businesses with virtual corporate cards for employees and allows them to track and manage company spending. The platform helps businesses to track trends in spending and identify areas where costs could be cut.

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

Process/Workflow Automation

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

Reviews for BILL Spend & Expense come from a wide variety of industries, including non-profit organization management (9% of reviewers), construction (8%), and marketing and advertising (6%). The most frequent use case for BILL Spend & Expense cited by reviewers is spend management (65% of reviewers).

Users and use cases

Most users consider BILL Spend & Expense to deliver strong value for money, emphasizing its no-cost structure and cost-saving features. Some reviewers feel frustrated by unclear online pricing and mention extra fees for certain features. Some users say pricing can be high for startups and note missing features.

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 tool offering key features such as expense tracking, receipt management, mobile receipt upload, approval process control, and spend control, among others.

BILL Spend & Expense

Web-based

Android

iPhone

iPad

Windows

Expensify

Emburse Expense Professional

Emburse Nexonia

QuickBooks Online

Zoho Expense

Mesh Payments

ExpensePoint

BILL Accounts Payable & Receivable

Spend & Expense

Occasional software 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. Some users report experiencing glitches, slow performance, and black screen areas that disrupt their workflow. Reviewers indicate that the web application can be buggy or glitchy, sometimes requiring browser refreshes or causing login difficulties. They find it frustrating when software errors are not promptly resolved and mention that ongoing bugs impact reliability. Users say these technical issues can lead to inconvenience and caution others about potential disruptions, especially when relying on the platform for critical business operations.

Flexible virtual card management

Executive director

My favorite parts of the ability to create burner cards and virtual cards that I can give to interns or other people without having to give them my credit card to use.

90% of reviewers feel positive about Divvy’s virtual cards. Reviewers appreciate being able to instantly create virtual cards for employees, interns, or specific vendors, which they say enhances spending control and security. Some users indicate that virtual cards help prevent fraud and protect physical card data. They find the ability to generate unlimited cards for subscriptions, one-time purchases, or recurring payments especially useful for managing budgets and tracking expenses. Users think this feature simplifies administrative tasks, such as onboarding new users and reconciling accounts, and allows for seamless scaling as their organization grows.

Intuitive and accessible platform

Intuitive and great for small organizations

90% of reviewers feel positive about Divvy’s ease of use. Some users report that both the web and mobile apps are user-friendly, with intuitive navigation and a modern interface. Reviewers appreciate the short learning curve, quick onboarding, and seamless transition from other tools. They find it easy to manage multiple accounts, attach information to purchases, and track spending. Users say the platform’s accessibility across devices and straightforward design make it simple for employees at all levels to adopt, which they feel is especially beneficial for small businesses and teams with varying technical skills.

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.

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.

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.

Operations Manager

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

Owner

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.

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.

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

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

Manager, Business Development

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

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.

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

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.

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

I like that there is an app, that I can attach receipts, that I can see what I've spent, that I can refer back to spending easily, and that I can pull my bills for review.

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.

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

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

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.

Family Program Associate

Ability to switch compatable accounts, at ease.

Accounting 

With BIll spend and expense, it makes it very easy for us to keep track of employee expenses but everything about the platform is all amazing.

Window cleaner

It has made my life easier and makes day to day expenses.

BILL Spend & Expense vs Blackbaud Financial Edge NXT Comparison (2026)

BILL Spend & Expense

Blackbaud Financial Edge NXT

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives