BILL Spend & Expense vs Mesh Payments

SAP Concur

Expensify

Ramp

Soldo

Brex

PayEm

Compare BILL Spend & Expense and Mesh Payments based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

The easiest way to do your expenses, travel, and corporate cards.

Brex is a finance platform that helps businesses control and manage spend. From corporate cards and banking to expense management and bill pay, it provides a comprehensive suite of tools to automate financial processes and improve the strategic impact of finance teams.

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.

BILL Spend & Expense (formerly Divvy) is the all-in-one expense management solution.

"What If" Scenarios

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 & Statistics

Reporting/Analytics

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

Time Tracking by Client

Time Tracking by Project

Timer

BILL Spend & Expense

Android

Web-based

Windows

iPad

iPhone

Divvy integrates with Quickbooks which is super helpful. Divvy rewards program fits our organization much better than previous rewards programs.

President

Very user friendly and the ability to track and capture departmental expenditures is excellent. Customer service is always available and very helpful when I call.

Stable, secure, and very intuitive app that helps you to track all the receipts. The ability to issue virtual cards.

Finance

Adoption was super easy, even for the people that didn't have the old software straight 2 years in. This has even made communications between regions and the National office more fun.

Accounting Manager

My overall experience with Divvy has been great. I appreciate the quick and upbeat support and the ease of use for the software itself.

Director of Sales and Support

I like the ability to manage budgets, easily make changes to employee accounts, quick on and offboarding. And the online chat help is really responsive and helpful.

We very frequently (more than once per week, have charges declined when paying our vendors. The ACH and Bill Pay process work very, badly.

Owner/Graphic Designer

I loved that before you even used the software you were walked through the entire program by one of their customer support representatives. It made it super easy to use and understand.

Facility Manager

I have been very happy with Divvy. The customer service, the simplicity of the system, the ability to budget are all been what we needed in an expense company credit card system.

Controller

It really has been the perfect fit for our company. I would highly recommend it to other companies who use company credit cards.

The only complaint I have at this point is that we cannot set limits for receipts.

A little hard to figure out how budgets and card limits and other maximums interact. What they also really need to add: vendor restriction.

SR Director of Finance

Budget Controls very good, reporting on users can be improved.

The time-save alone is worth it to us. The cash back and superb customer service is icing on the cake.

Senior Accounting Manager

Divvy - Always Great Service with an Excellent App.

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.

Great free resource that provides spend tracking, budget management, and accounting software integration.

The only downside to the software is how long it takes to get a new or replacement card.

BILL Spend & Expense screenshot

BILL Spend & Expense screenshot: Mobile Wallet

BILL Spend & Expense screenshot: Budget Detail

BILL Spend & Expense screenshot: Insights

BILL Spend & Expense screenshot: Transactions

BILL Spend & Expense screenshot: Company Dashboard

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

Cloud-based spend management platform with AI-powered invoice processing, corporate cards, and native ERP integrations. Features mobile apps, SOC 2 compliance, RESTful API, and real-time reconciliation. Built for growing SMBs requiring technical integration depth.


Stop the headache of expense management with Soldo company cards tied to a powerful expense management platform.

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.

Integrated travel and expense solutions that your whole company will want to use.

Activity Tracking

Billing & Invoicing

Invoice Management

Invoice Processing

Payment Reconciliation

Procurement Management

Requisition Management

Supplier Management

Transaction History

Travel Management

Vendor Management

Workflow Management

Mesh Payments

Head of Finance

Excellent customer service, awesome idea to manage and budget expenses, for all levels.

Amazing integrations with our accounting software.

Legal counsel 

It’s saved us so much tedious and time consuming work, and we’ve gained so many valuable insights and visibility over our payments.

Senior accountant

Little confusing dashboard of product, takes some time to review dashboard of product.

Director of Finance

MESH payments - great infrastructures, a lot of place to grow.

Director

The platform has been a huge time saver and has even helped us save money each month.

Everything feels organized and we’re always on top of our payments.

Senior Tax Manager

Really useful for subscription payment management.

Only usable if you have a US entity. No option to keep balances in different currencies.

Financial Analyst

In Mesh, it's hard to search specific transactions. And slow reaction time makes things harder when you try to find one transaction in millions of transactions.

Group Controller

Since we use Mesh, we are no longer "blind" with regards to our credit card expenses.

I would say in general it’s been a really positive experience with Mesh, and once we learned about the platform it was a lot less daunting to integrate into our payment system.

Mesh Payments screenshot: With multi-agency support, Mesh gives you the flexibility you need to accommodate a broad spectrum of business needs, from using different TMCs for each global subsidiary to white-glove services for execs. 

Mesh Payments screenshot: Unlike clunky, old-school solutions, Mesh adapts to your workflow, automating processes saving time without compromising control.

Mesh Payments screenshot: Unified dashboards and robust analytics make it easy to manage travel and expenses at any level.

Mesh Payments screenshot: Stop chasing receipts and get control of every travel transaction – from booking the flight to the final taxi ride home.

Mesh Payments screenshot: From hassle-free approval flows to one-click reconciliation that syncs to your ERP — Mesh Travel is integrated with our world-class expense management suite so you can close the books faster than ever.

BILL Spend & Expense vs Mesh Payments Comparison (2026)

BILL Spend & Expense vs Mesh Payments Comparison (2026)

BILL Spend & Expense

Mesh Payments

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives