PEX vs BILL Spend & Expense

Moss

SAP Concur

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.

BILL Spend & Expense

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

PEX is an expense management solution for business that integrates your accounting software with prepaid debit cards to control and analyze employee spending

Debit/Credit Card Processing

In-Person Payments

ACH Payment Processing

Mobile Payments

Web-based

iPad

Android

iPhone

Emburse Cards

Base

Core

Grants & Rewards Pricing

VP Customer Oeprations

Integration into our contingency management solution was straighforward

Director of Administration

They are a match made in heaven and integrate together pretty seamlessly.   

Office Manager

They work fast which saves our drivers time and the company money.

VP of Operations

PEX Card is easy to use and reconcile receipts.  

Integrations

Pricing

Ease of Use

Mid-size Business

Small Business

Large Enterprises

Ramp

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.

Expense Tracking

Spend Control

Prepaid Cards

Approval Workflow

Spend Analysis

Budgeting/Forecasting

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.

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.

Windows

Expensify

QuickBooks Online

Emburse Nexonia

Emburse Expense Professional

Zoho Expense

Mesh Payments

ExpensePoint

BILL Accounts Payable & Receivable

Spend & Expense

Frequent 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 encountering frequent glitches, slowdowns, and occasional site outages that disrupt their workflow. Reviewers indicate that the software, being relatively new, still experiences unresolved bugs and system errors, sometimes requiring browser refreshes or causing display problems. They find these technical issues inconvenient and frustrating, especially when basic functions are affected or when support is unable to provide timely fixes. Users mention that these persistent bugs can hinder productivity and reliability in daily operations.

Flexible and secure virtual cards

Director of People Operations

My favorite part as an Administrative manager is the simplicity in adding users and creating "virtual cards" for our team members to use instantly!

90% of reviewers feel positive about Divvy’s virtual cards. Reviewers appreciate the ability to instantly create unlimited virtual cards for employees, vendors, and specific purchases, which they say enhances security by protecting physical card data and reducing fraud risk. They find virtual cards especially useful for managing subscriptions, one-time purchases, and recurring payments, allowing for precise budget control and easy cancellation without affecting other transactions. Users indicate that this feature streamlines expense tracking and reconciliation, and they value the administrative ease of onboarding users and scaling card issuance across their organizations.

Intuitive and accessible experience

The app and PC interface are very user-friendly.

90% of reviewers feel positive about Divvy’s ease of use. Users think the platform offers a simple, intuitive interface on both web and mobile apps, making navigation and adoption straightforward for teams of varying technical backgrounds. Reviewers appreciate how quickly they can implement the software, switch accounts, and manage expenses, noting that the user-friendly design shortens the learning curve. They highlight the convenience of tracking business activities, attaching information to purchases, and accessing features from anywhere, which they say improves overall efficiency and transparency for their organizations.

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.

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.

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

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.

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

Head of Implementation

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.

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

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

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.

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.

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

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.

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

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-

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

Divvy gave us the ability to allow employees to pay for expenses with company funds as opposed to having to use their own funds and wait to be reimbursed.

Credit Card Management

Expense Management

Bank Account Management

Customer Support

Receipt Management

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.

User Interface

Transaction Accounting

Payments and Reimbursements

Email and Call Support

Freelancers

Most users consider BILL Spend & Expense to offer strong value for money, highlighting its no-cost structure, virtual and physical card features, budget and expense management tools, rewards, and seamless accounting integrations. They indicate that the platform enables significant cost savings and efficiency improvements without traditional fees, making it attractive for small businesses and startups. Some reviewers feel frustrated by the lack of transparent online pricing and mention additional service fees for certain features, such as travel rewards. Some users say the pricing can be high for startups and express concerns about missing features relative to expectations.

PEX vs BILL Spend & Expense Comparison (2026)

PEX

BILL Spend & Expense

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives