BILL Spend & Expense vs Moss

SAP Concur

Expensify

Pleo

Brex

Pliant

finway

Compare BILL Spend & Expense and Moss 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

Pleo is a cloud-based expense management solution which provides virtual and plastic company cards, automatic expense categorization, receipt capture, and more

finway is a spend management software designed to help SMEs streamline budgeting, accounting, and invoicing operations via a unified portal. The platform enables employees to process one-time or recurring payments, track expenses, generate custom reports, and automate workflows in real-time.

Pliant is a payment platform that offers a comprehensive business credit card solution. Designed for companies of all sizes, Pliant provides both physical and virtual credit cards with high spending limits, attractive cashback terms, and premium perks such as comprehensive insurance packages and worldwide airport lounge access.

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. 

Billing & Invoicing

Duplicate Payment Alert

Invoice Management

Invoice Processing

Mileage Tracking

Optical Character Recognition

Recurring Payments

Self Service Portal

Transaction History

Workflow Management

Moss

This is a great service. Super easy to use, all round a well polished service and I am happy to recommend.

Financial Controller

Easy to use & setup, saved lots of time in our month end processes, customer support is brilliant & always happy to help, overall a good experience & would highly recommend.

Growth Manager

The convenience of having a dedicated virtual card for monthly spending, along with the ability to effortlessly upload and categorize invoices, has significantly streamlined my financial tasks.

Project Manager

It helps me stay on top of all my transactions and assign cost centers accurately. I also appreciate being able to request travel funds in advance, like per diems or fuel.

Moss has been a great addition to our finance operations. It allowed us to centralize expense management, issue physical and virtual cards quickly, and gain better control over team budgets.

Maintenance

My experience with Moss is fantastic, i can recommend it to everyone, don't wait too much, go for it.

Product Designer

It has been an easy and secure experience overall. I like the look and feel and I can complete all my tasks pretty well.

Jr. People Business Partner

Also amazing that you could add the Moss card to your Apple Wallet. Their Customer Support is great.

I like to work with this product, you have a detailed overview of all costs and expenses, safe to work with (authentication features is very user friendly).

Director Customer Success

Uploading multiple receipts is fast and seamless, and the transparent approval process gives you a clear overview of your expected reimbursements.

Principal Industrial Designer

It’s not just a convenience—it’s a major improvement in accuracy, accountability, and peace of mind across the entire finance and operations workflow.

Application Manager

The app is intuitive and easy to use, making everyday financial tasks straightforward. Their website is equally well designed, with a clean interface that keeps everything organized and accessible.

Group Product Manger

3 authentication steps to get virtual card details. I know its about security, but as a user it bother.

Founder's Associate

I like toe integration with DATEV, we can automatically send receipts to our accountant. Card allocations for team members and certain services make it much easier to track and manage expenditure.

Head of ADB

Once I upload I then no longer have the option to add notes or assign a cost centre. The mobile app doesn't have this issue.

project manager

Apple Pay is not available in Belgium yet. The receipts finder feature only allows 1 email address to be connected with your account.

BILL Spend & Expense vs Moss Comparison (2026)

BILL Spend & Expense

Moss

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives