Zoho Expense vs BILL Spend & Expense

QuickBooks Online

SAP Concur

Expensify

Emburse Nexonia

Ramp

Brex

Compare Zoho Expense and BILL Spend & Expense 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.

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.

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

Zoho Expense is online travel and expense management software that helps businesses streamline corporate travel, automate expense reporting, gain complete control over spending, accelerate reimbursements, and get crucial financial insights to stay two steps ahead.

Access Controls/Permissions

Accounting Integration

Activity Dashboard

Activity Tracking

Alerts/Notifications

Approval Process Control

Approval Workflow

Audit Trail

Billing & Invoicing

Budget Control

Budgeting/Forecasting

Categorization/Grouping

Cloud Backup

Compliance Management

Corporate Card

Credit Card Management

Customizable Fields

Customizable Reports

Dashboard

Dashboard Creation

Data Import/Export

Electronic Payments

Employee Self Service

ERP integration

Expense Claims

Expense Tracking

Financial Analysis

Itinerary Creation

Location Tracking

Mileage Tracking

Mobile Access

Mobile Receipt Upload

Multi-Currency

Multi-Language

Online Booking

Policy Management

Real-time Alerts

Real-Time Analytics

Real-Time Data

Real-Time Notifications

Real-Time Reporting

Real-Time Updates

Receipt Management

Reimbursement Management

Reminders

Reporting & Statistics

Reporting/Analytics

Restriction Management

Single Sign On

Spend Analysis

Spend Control

Third-Party Integrations

Time & Expense Tracking

Time Tracking

Timer

Travel Management

Trip Logs

User Management

Vehicle Management

Workflow Management

Zoho Expense

Android

Web-based

iPad

iPhone

artist

Sometimes it refuses to take the name of the merchant, rewriting it incorrectly. That can be a bit frustrating but its only happened once.

Chief Operating Officer

We our very happy with our decision to implement Zoho. The pricing model is great for a small business and the setup is quick and easy.

Senior Technical Support Executive

It is a nice app and have options to do more with this. I will suggest  to work on feedback taken from users and implement the best possible option.

Operation Manager

Zoho expense help us track our expenses and easy to use get it as report help. User friendly and price is I like most.

Lead - HR Operations 

Support service is a problem. Timely response for the queries/issue is missing.

Sr account director

I really like the ease of use, mobile functionalities, great user interface and built in interactive features.

It's a win-win all around. I also love that we can handle our per diems through the system as that has always been a challenge in my company.

Office Manager

In addition the customer service is excellent. You can actually speak with someone who will help guide you.

Human Resources Manger

Features and ease of use are awesome. The mobile app integration and the chrome extension work well.

Operations Analyst

We love using Zoho Expense. It makes expensing easy and is much cleaner than using an Excel spreadsheet to track.

Director of Strategic Partnerships

I hated having to take photos with my phone, then email them to myself, then download and upload. Using an app would have been less time consuming.

Owner

I love the ability to either enter items separately or under one category for easier look up.

Consultant

Ease of use of the application, with all the features easily accessible and clear.

Bookkeeper

Ease of use, ability to customize, overall comparable cost, integrates with our other apps.

Our overall experience is good. We found it a simple, easy to use application with multi platform support.

Corporate Controller

It was quite simple to setup the system. I was rushed through the process due to the fact that our old solution was being sunset, but the ease of use helped in the transition.

Finance Manager

So far a bit disappointed with the daily crashing.

Church Administrator

The trial period was long enough to make a confident decision on the purchase. Customer support follows up in a timely manner.

Zoho Expense screenshot: Create expenses instantly and automatically

Zoho Expense screenshot: From itinerary management to travel approval and booking, manage business travel end-to-end.

Zoho Expense screenshot: Run 30+ reports to analyze every aspect of business travel and spend

Zoho Expense screenshot: Create and submit expense reports from anywhere

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

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.

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.

Extend the capabilities of your accounting system to include expense management with Nexonia. Empowering organizations through configurable controls and support for complex approval workflows.

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

"What If" Scenarios

Accounting

Ad hoc Reporting

Audit Management

Automated Receipt Matching

Bank Reconciliation

Billing Portal

Booking Management

Cash Flow Management

Cash Management

Client Management

Configurable Workflow

Consolidation/Roll-Up

Contact Database

Customizable Templates

Data Visualization

Document Management

Duplicate Detection

Financial Management

Fixed Asset Management

For Accountants

Fraud Detection

General Ledger

Income & Balance Sheet

Invoice Creation

Invoice History

Mobile App

Mobile Payments

Multi-Company

Online Invoicing

Online Payments

Payment Collection

Payment Processing

Prepaid Cards

Process/Workflow Automation

Profit/Loss Statement

Project Tracking

Purchasing & Receiving

QuickBooks Integration

Real-Time Monitoring

Recurring/Subscription Billing

Rules-Based Workflow

Search/Filter

Secure Data Storage

Self-Service Reporting

Spend Management

SSL Security

Staff Management

Summary Reports

Task Management

Tax Management

Time Tracking by Client

Time Tracking by Project

BILL Spend & Expense

Windows

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.

Zoho Expense vs BILL Spend & Expense Comparison (2026)

Zoho Expense vs BILL Spend & Expense Comparison (2026)

Zoho Expense

BILL Spend & Expense

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives