BILL Spend & Expense vs Payhawk

SAP Concur

Expensify

Spendesk

Ramp

Pleo

Brex

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

Moss

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.

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

Spend & Expense

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.

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 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.

Manager, Business Development

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

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.

Pastor

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).

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.

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.

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.

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

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.

Head of Implementation

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

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

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

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.

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 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.

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

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.  

Head Athletic Trainer

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

Quality improvement advisor

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

I reached out to customer service - it has still been a week and a half.

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.

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

That said, BILL has made this process about as simple and painless as it can be.

They say they will “escalate it” or resolve it.

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

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.

It can be confusing when switching between all the sites, but overall it does what you would expect.

They are impossible to contact, rude when you finally do, and literally illegal when they act.

VP Sales

Ability to quickly generate a virtual credit card with a preset budget, categorize the cost account directly in Divvy, and track real-time spending, month-end close-out is easier.

Lead pastor

This spending system with individual cards, digital cards and budget settings creates a whole package set up for any size organization that can grow with you.

Financial Controller

We moved to the Divvy Credit Card system to allow for company spending without the employees funding the company from their own pockets and waiting for reimbursement. Since switching, we have the flexibility to control spending, set budgets, reconcile with transactions syncing direct to our financial software, and holding employees fiscally responsible for their spending.

Controller

This is what works:- Easy to set up custom fields to correspond to our accounting system for expense coding and tracking- Budgets set up by functional team so managers are approving their direct reports transactions-

Pricing

Expense Management

Bank Account Management

Customer Support

Payments and Reimbursements

Users report that BILL Spend & Expense makes receipt management effortless, with multiple ways to upload and store receipts electronically. Reviewers indicate they can require receipts at specific price points, receive reminders, and easily match emailed receipts to transactions. They find the system helpful for audits and tax preparation, and say it greatly reduces lost receipts. Users highlight the QBO integration and the ability to retrieve receipts quickly, making documentation and reconciliation much easier. Of the 56 BILL Spend & Expense users who gave detailed accounts of their use of Receipt Management, 96% rated this feature as important or highly important.

BILL Spend & Expense vs Payhawk Comparison (2026)

BILL Spend & Expense

Payhawk

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives