# BILL Spend & Expense (Formerly Divvy) vs Ramp Comparison
---
## AI Generated Summary
- **G2 reviewers report** that BILL Spend & Expense (Formerly Divvy) excels in user-friendliness, making it easy to navigate and manage expenses. Users appreciate features like the ability to upload receipts and categorize expenses at the moment of purchase, which streamlines the reporting process.
- **Users say** that Ramp stands out for its speed and accessibility, with many noting that it loads quickly and has a reliable performance. This is particularly beneficial for users who need to manage expenses on the go, as highlighted by feedback on its intuitive interface for issuing funds and collecting receipts.
- **According to verified reviews** , BILL Spend & Expense (Formerly Divvy) has a straightforward setup process, with users mentioning that synchronizing with QuickBooks is seamless. This ease of integration is a significant advantage for small businesses looking to simplify their financial workflows.
- **Reviewers mention** that Ramp provides excellent support, with users reporting positive experiences when reaching out for assistance. This level of customer service can be crucial for businesses that may need quick resolutions to issues as they arise.
- **G2 reviewers highlight** that while BILL Spend & Expense (Formerly Divvy) has a strong focus on expense management, it may not be as robust in AP automation compared to Ramp, which has received higher ratings in that area. This could be a deciding factor for businesses that require comprehensive accounts payable solutions.
- **Users report** that Ramp's advanced features, such as automated receipt gathering through AI, significantly enhance the user experience, making it easier to manage expenses without manual input. This automation is a key differentiator that appeals to users looking for efficiency in their expense management processes.



| | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.8 out of 5 | 
| **Total Reviews** | 2,107 | 2,444 | 
| **Largest Market Segment** | Small-Business (65.1% of reviews) | Small-Business (57.2% of reviews) | 
| **Entry Level Price** | $0.00 1 user Per Month | Free | 

---
## Top Pros & Cons

### BILL Spend & Expense (Formerly Divvy)

Pros:
- Ease of Use (435 reviews)
- Expense Management (224 reviews)

Cons:
- Integration Issues (89 reviews)
- Approval Issues (87 reviews)

### Ramp

Pros:
- Ease of Use (776 reviews)
- Expense Management (433 reviews)

Cons:
- Missing Features (108 reviews)
- Receipt Management (106 reviews)

---
## Ratings Comparison
| Rating | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
  | **Meets Requirements** | 9.0 (1766 reviews) | 9.4 (1837 reviews) | 
  | **Ease of Use** | 9.1 (1809 reviews) | 9.5 (1881 reviews) | 
  | **Ease of Setup** | 8.8 (1532 reviews) | 9.3 (1205 reviews) | 
  | **Ease of Admin** | 8.9 (1473 reviews) | 9.4 (1073 reviews) | 
  | **Quality of Support** | 8.6 (1650 reviews) | 9.2 (1537 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.1 (1458 reviews) | 9.5 (1059 reviews) | 
  | **Product Direction (% positive)** | 9.1 (1776 reviews) | 9.7 (1748 reviews) | 

---
## Pricing

### BILL Spend & Expense (Formerly Divvy)

#### Entry-Level Pricing

Plan: Spend & Expense

Price: $0.00 1 user Per Month

Description: Access credit lines from $1,000-$5M. Easily request funds, set budgets, and track spend using free software combined with corporate cards.

Key Features:
- Get as many physical and virtual cards as you need
- Access budgets with proactive spend controls
- Set up automated expense mangement

[Learn more about BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews)

#### Free Trial

Yes

### Ramp

#### Entry-Level Pricing

Plan: Ramp

Price: Free

Description: Control spend, automate payments, and close the books faster for greater financial health on the ultimate platform.

Key Features:
- Unlimited cards and smart controls
- Automated receipt collection and matching
- Expense and mileage reimbursements

[Browse all 3 editions](https://www.g2.com/products/ramp-financial-ramp/pricing)

#### Free Trial

Yes

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.0/10 | 1370 |
| **Ramp** | 9.0/10 | 1298 |

#### Expense Reports

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Ease of Creating Expense Reports** | 8.5 (1046 reviews) ✓ Verified | 9.1 (913 reviews) | 
| **Bank / Credit Card Integration** | 8.7 (1088 reviews) ✓ Verified | 9.3 (1056 reviews) | 
| **Smart Categorization** | 8.3 (1071 reviews) ✓ Verified | 9.0 (1005 reviews) | 
| **Digital Receipt Management** | 9.1 (1194 reviews) ✓ Verified | 9.6 (1159 reviews) | 
| **Employee Reimbursement** | 7.8 (923 reviews) ✓ Verified | 9.4 (917 reviews) | 
| **Currency Conversions** | 7.8 (719 reviews) ✓ Verified | 8.6 (485 reviews) | 
| **Credit Card Integration** | 8.4 (962 reviews) ✓ Verified | Feature Not Available | 

#### Agentic AI - Expense Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | 6.5 (120 reviews) | 7.5 (49 reviews) | 
| **Cross-system Integration** | 7.1 (122 reviews) | 8.3 (50 reviews) | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Ease of Booking** | 7.5 (779 reviews) | Feature Not Available | 
| **Itinerary Management** | 6.7 (635 reviews) | 8.1 (465 reviews) | 
| **Trip Notifications** | 6.5 (616 reviews) | Feature Not Available | 
| **Advanced Integrations** | 6.9 (691 reviews) | 8.5 (506 reviews) | 

#### Client Invoicing

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Electronic Payments** | 7.9 (888 reviews) ✓ Verified | Feature Not Available | 
| **Project Accounting / Revenue Recognition** | 7.8 (795 reviews) ✓ Verified | Feature Not Available | 

#### Generative AI - Expense Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | 
| **Text Generation** | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | 

#### Mobile

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Receipt Capture** | 9.2 (1124 reviews) ✓ Verified | 9.6 (1135 reviews) | 
| **Mileage Tracking** | 7.4 (692 reviews) ✓ Verified | Feature Not Available | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Embedded AI / Machine Learning** | 7.1 (606 reviews) | 8.6 (686 reviews) | 
| **Complex Approval Workflow** | 7.8 (755 reviews) ✓ Verified | 8.8 (729 reviews) | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **PCI Regulation Compliant** | 8.2 (691 reviews) ✓ Verified | 8.9 (502 reviews) | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Business Tool Integration** | 8.3 (1002 reviews) ✓ Verified | 9.0 (853 reviews) | 
| **Workflow** | 8.3 (1001 reviews) ✓ Verified | 9.3 (962 reviews) | 
| **Automated Reminders** | 8.3 (1036 reviews) ✓ Verified | 9.4 (1103 reviews) | 
| **Policy Compliance Management** | 8.4 (943 reviews) ✓ Verified | 9.3 (998 reviews) | 
| **User, Role, and Access Management** | 8.9 (1142 reviews) ✓ Verified | 9.4 (1069 reviews) | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Reporting** | 8.5 (1008 reviews) ✓ Verified | 9.1 (922 reviews) | 
| **APIs / Integration** | 7.9 (770 reviews) ✓ Verified | 8.9 (696 reviews) | 
| **Internationalization** | 7.6 (640 reviews) | Feature Not Available | 
| **Performance and Reliability** | 8.9 (1069 reviews) ✓ Verified | 9.5 (1062 reviews) | 
| **Mobile User Support** | 8.9 (1022 reviews) ✓ Verified | 9.1 (739 reviews) | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.3/10 | 926 |
| **Ramp** | 9.1/10 | 1033 |

#### Setup

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Data** | 8.1 (706 reviews) | 9.0 (670 reviews) | 
| **Approvals** | 8.7 (765 reviews) | 9.3 (833 reviews) | 
| **Alignment** | 8.5 (628 reviews) | 9.2 (476 reviews) | 

#### Performance

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **KPIs** | 7.6 (552 reviews) | Feature Not Available | 
| **Benchmarks** | 7.6 (557 reviews) | Feature Not Available | 
| **Forecasting** | 7.4 (559 reviews) | 8.2 (460 reviews) | 
| **Savings** | 7.6 (589 reviews) | 8.8 (592 reviews) | 

#### Payment Cards

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **One-time Virtual** | 8.8 (657 reviews) | 9.4 (635 reviews) | 
| **Recurring Virtual** | 8.8 (675 reviews) | 9.5 (669 reviews) | 
| **Physical** | 9.0 (761 reviews) | 9.5 (735 reviews) | 

#### Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Real time** | 9.0 (747 reviews) | 9.5 (732 reviews) | 
| **Multiple Views** | 8.7 (654 reviews) | 9.2 (611 reviews) | 
| **Export** | 8.7 (701 reviews) | 9.1 (596 reviews) | 
| **Budgets** | 8.6 (789 reviews) | Feature Not Available | 

#### Payments

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Vendor** | 8.4 (671 reviews) | 9.2 (582 reviews) | 
| **Recurring** | 8.6 (670 reviews) | 9.2 (599 reviews) | 
| **Employee Reimbursements** | 7.6 (611 reviews) | 9.2 (674 reviews) | 
| **ACH** | 7.9 (625 reviews) | 9.2 (575 reviews) | 

#### Fraud & Risk Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Notifications** | 8.4 (742 reviews) | 9.3 (751 reviews) | 
| **Unique Cards** | 8.8 (725 reviews) | 9.4 (720 reviews) | 
| **Controls** | 9.0 (741 reviews) | 9.4 (721 reviews) | 

#### Agentic AI - Spend Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Proactive Assistance** | 5.8 (59 reviews) | 7.9 (67 reviews) | 

### Procure to Pay

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 8.4/10 | 43 |

#### Planning

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Processes** | Not enough data | 9.1 (37 reviews) | 
| **Contracts** | Not enough data | 8.0 (36 reviews) | 
| **Content** | Not enough data | 8.5 (36 reviews) | 
| **Requisition** | Not enough data | 8.2 (34 reviews) | 

#### Execution

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Sourcing** | Not enough data | 8.2 (35 reviews) | 
| **Purchasing** | Not enough data | 8.8 (37 reviews) | 
| **Invoicing** | Not enough data | 8.0 (34 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Visibility** | Not enough data | 9.0 (38 reviews) | 
| **Performance** | Not enough data | 9.1 (38 reviews) | 
| **Spend** | Not enough data | 8.7 (42 reviews) | 

#### Agentic AI -  Procure to Pay

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Multi-step Planning** | Not enough data | 7.6 (9 reviews) | 

### Procurement Spend Analysis

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 8.6/10 | 56 |

#### Data Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Consolidation** | Not enough data | 8.6 (50 reviews) | 
| **Classification** | Not enough data | 9.1 (51 reviews) | 
| **External Sources** | Not enough data | 8.2 (47 reviews) | 
| **Integration** | Not enough data | 9.1 (50 reviews) | 
| **Cleaning** | Not enough data | 8.8 (48 reviews) | 

#### Agentic AI -  Accounts Payable (AP) and Spend Analysis

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Decision Making** | Not enough data | 7.6 (18 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Benchmarking** | Not enough data | 7.9 (45 reviews) | 
| **KPIs** | Not enough data | 8.0 (44 reviews) | 
| **Compliance** | Not enough data | 8.3 (46 reviews) | 
| **Errors** | Not enough data | 8.7 (47 reviews) | 

#### Recovery

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Historical payments** | Not enough data | 9.0 (47 reviews) | 
| **Overpayments** | Not enough data | 8.1 (43 reviews) | 

#### AP Data Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Workflows** | Not enough data | 9.0 (47 reviews) | 
| **Transparency** | Not enough data | 9.1 (47 reviews) | 
| **Controls** | Not enough data | 9.3 (46 reviews) | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 6.3/10 | 30 |
| **Ramp** | 8.3/10 | 146 |

#### Invoice Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Capture** | 8.1 (19 reviews) | 9.2 (130 reviews) | 
| **Supplier Portal** | 5.5 (16 reviews) | Feature Not Available | 
| **Repository** | 7.3 (20 reviews) | 8.7 (123 reviews) | 

#### Invoice Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Matching** | 6.9 (16 reviews) | 8.9 (131 reviews) | 
| **Payments** | 7.4 (18 reviews) | 9.2 (134 reviews) | 
| **Workflows** | 6.9 (18 reviews) | 9.1 (134 reviews) | 
| **Tax Compliance** | 6.6 (17 reviews) | Feature Not Available | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Due Dates** | 6.7 (18 reviews) | 9.1 (130 reviews) | 
| **Benchmarking** | 5.4 (16 reviews) | Feature Not Available | 
| **KPIs** | 5.7 (16 reviews) | Feature Not Available | 

#### Integration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Accounting** | 9.0 (26 reviews) | 9.1 (136 reviews) | 
| **Payment Integration** | 8.2 (16 reviews) | Feature Not Available | 
| **ERP** | 6.2 (17 reviews) | 8.6 (120 reviews) | 

#### Risk

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Analysis** | 5.9 (16 reviews) | Feature Not Available | 
| **Identification** | 6.7 (17 reviews) | Feature Not Available | 
| **Scoring** | 5.4 (15 reviews) | Feature Not Available | 

#### Recovery

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Recoup** | 6.4 (16 reviews) | Feature Not Available | 
| **Reporting** | 6.4 (16 reviews) | Feature Not Available | 

#### Audit

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Filters** | 6.4 (16 reviews) | Feature Not Available | 
| **Post Audits** | 5.8 (16 reviews) | Feature Not Available | 
| **Overpayments** | 5.3 (16 reviews) | 8.1 (114 reviews) | 
| **Duplicates** | 6.8 (17 reviews) | 8.7 (122 reviews) | 

#### Fraud

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Vendor Checks** | 6.5 (17 reviews) | Feature Not Available | 
| **Data Generation** | 7.0 (16 reviews) | Feature Not Available | 
| **Monitoring** | 6.8 (16 reviews) | Feature Not Available | 

#### Agentic AI - AP Automation

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | 5.8 (16 reviews) | 6.1 (14 reviews) | 
| **Proactive Assistance** | 5.8 (16 reviews) | 5.8 (14 reviews) | 
| **Decision Making** | 5.6 (16 reviews) | 6.7 (15 reviews) | 

### Travel Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 8.8/10 | 986 |

#### Expense Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Expense Automation** | Not enough data | 9.5 (120 reviews) | 
| **Integration** | Not enough data | 9.4 (115 reviews) | 
| **Compliance** | Not enough data | 9.4 (114 reviews) | 
| **Mobile Functionality** | Not enough data | 9.4 (118 reviews) | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Ease of Booking** | 7.5 (779 reviews) | Feature Not Available | 
| **Itinerary Management** | 6.7 (635 reviews) | 8.1 (465 reviews) | 
| **Trip Notifications** | 6.5 (616 reviews) | Feature Not Available | 
| **Advanced Integrations** | 6.9 (691 reviews) | 8.5 (506 reviews) | 

#### Approval 

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Rules** | Not enough data | 9.5 (116 reviews) | 
| **Workflows** | Not enough data | 9.5 (108 reviews) | 
| **Submit** | Not enough data | 9.7 (121 reviews) | 

#### AI - Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Personalization** | Not enough data | 8.0 (39 reviews) | 
| **Predictive Analytics** | Not enough data | 8.0 (39 reviews) | 
| **Cost Savings** | Not enough data | 8.3 (39 reviews) | 
| **Efficiency** | Not enough data | 8.8 (39 reviews) | 
| **Real-Time Assistance** | Not enough data | 8.8 (39 reviews) | 

#### Agentic AI - Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 8.1 (21 reviews) | 
| **Proactive Assistance** | Not enough data | 8.1 (21 reviews) | 

#### Employee Risk Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Emergency Assistance Integration** | Not enough data | Not enough data | 
| **Policy Enforcement & Compliance** | Not enough data | Not enough data | 
| **Traveler Tracking** | Not enough data | Not enough data | 
| **Risk Alerts & Safety Notifications** | Not enough data | Not enough data | 

#### Sustainability & Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Sustainability Reporting** | Not enough data | Not enough data | 
| **Green Travel Recommendations** | Not enough data | Not enough data | 
| **Carbon Emissions Tracking** | Not enough data | Not enough data | 

### Procurement Orchestration

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | N/A | N/A |

#### Purchase Requisition and Approval Workflow - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Notifcations** | Not enough data | Not enough data | 
| **Workflows** | Not enough data | Not enough data | 
| **Purchase Orders** | Not enough data | Not enough data | 

#### Supplier Management - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Tracking** | Not enough data | Not enough data | 
| **Onboarding** | Not enough data | Not enough data | 
| **Database** | Not enough data | Not enough data | 

#### Spend Management - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Analysis** | Not enough data | Not enough data | 
| **Visibility** | Not enough data | Not enough data | 

#### Compliance and Risk Management - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Risk Assessment** | Not enough data | Not enough data | 
| **Compliance** | Not enough data | Not enough data | 
| **Audits** | Not enough data | Not enough data | 

#### Workflow Automation - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Routing** | Not enough data | Not enough data | 
| **Configuration** | Not enough data | Not enough data | 
| **Approvals** | Not enough data | Not enough data | 

#### Agentic AI - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

### Vendor Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 7.4/10 | 76 |

#### Agentic AI - Vendor Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Decision Making** | Not enough data | 6.4 (15 reviews) | 

#### Revenue Recognition

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Usage Tracking** | Not enough data | 8.6 (73 reviews) | 
| **Deferred Revenue** | Not enough data | 7.1 (68 reviews) | 
| **Revenue Accrual** | Not enough data | 7.3 (68 reviews) | 

---
## Categories
**Shared Categories (3):** [Expense Management Software](https://www.g2.com/categories/expense-management), [Spend Management Software](https://www.g2.com/categories/spend-management), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation)


**Unique to Ramp (5):** [Procurement Spend Analysis](https://www.g2.com/categories/procurement-spend-analysis), [Procure to Pay Software](https://www.g2.com/categories/procure-to-pay), [Travel Management Software](https://www.g2.com/categories/travel-management), [Vendor Management Software](https://www.g2.com/categories/vendor-management), [Procurement Orchestration Software](https://www.g2.com/categories/procurement-orchestration)


---
## Reviewer Demographics

### By Company Size

| Segment | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Small-Business** | 65.1% | 57.2% | 
| **Mid-Market** | 33.3% | 40.4% | 
| **Enterprise** | 1.5% | 2.5% | 

### By Industry

#### BILL Spend & Expense (Formerly Divvy)

- **Non-Profit Organization Management:** 14.6%
- **Construction:** 8.7%
- **Accounting:** 7.9%
- **Religious Institutions:** 5.3%
- **Computer Software:** 4.1%
- **Real Estate:** 3.6%
- **Marketing and Advertising:** 3.2%
- **Information Technology and Services:** 3.0%
- **Hospital & Health Care:** 2.9%
- **Retail:** 2.7%
- **Other:** 44.2%

#### Ramp

- **Computer Software:** 14.1%
- **Information Technology and Services:** 9.0%
- **Non-Profit Organization Management:** 6.9%
- **Financial Services:** 5.2%
- **Construction:** 4.6%
- **Accounting:** 4.2%
- **Marketing and Advertising:** 3.5%
- **Hospital & Health Care:** 3.1%
- **Religious Institutions:** 2.6%
- **Health, Wellness and Fitness:** 2.6%
- **Other:** 44.2%

---
## Alternatives

### Alternatives to BILL Spend & Expense (Formerly Divvy)

- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1582 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9103 reviews)
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- [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5651 reviews)
- [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2402 reviews)
- [PEX](https://www.g2.com/products/pex/reviews) — 4.6/5 stars (190 reviews)
- [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1121 reviews)
- [Mesh Payments](https://www.g2.com/products/mesh-payments/reviews) — 4.6/5 stars (1067 reviews)

### Alternatives to Ramp

- [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (1943 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1582 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9103 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7110 reviews)
- [Mesh Payments](https://www.g2.com/products/mesh-payments/reviews) — 4.6/5 stars (1067 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (414 reviews)
- [Teampay](https://www.g2.com/products/teampay/reviews) — 4.4/5 stars (560 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5651 reviews)

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## Top Discussions

### BILL Spend & Expense (Formerly Divvy)

- Title: [How do you use divvy?](https://www.g2.com/discussions/how-do-you-use-divvy) — 2 comments
  > **Top comment:** "For everything if possible. 
Combined with Melio - I can pay out and pre organize expenses so the end of the month paperwork is like 1/2 an hour at most...."
- Title: [Is divvy free?](https://www.g2.com/discussions/is-divvy-free) — 2 comments
  > **Top comment:** "Yes, no signup or yearly fees. Great Business Credit Card, No Personal Guarantee just like CapitalOnTap."
- Title: [Is Getdivvy legit?](https://www.g2.com/discussions/is-getdivvy-legit) — 1 comment
  > **Top comment:** "Yes. It is the best spend manager that we have ever used. Highly recommended. We have it deployed around our 6 global offices, 250 plus employees. "
- Title: [Divvy](https://www.g2.com/discussions/divvy) — 1 comment, 2 upvotes
  > **Top comment:** "Unfortunately, I still noticed that divvy deletes negative reviews xoxoxox
I also had a negative experience with divvy characterized by the fact that..."
- Title: [What is the best way to manage your credit limit?](https://www.g2.com/discussions/what-is-the-best-way-to-manage-your-credit-limit) — 1 comment, 1 upvote
  > **Top comment:** "Well depends on what your company is approved for, like some people are given a secured or credit builder option so whatever you load is your credit."

### Ramp

- Title: [When can we expect a native iOS app? When can we see Microsoft identity integration?](https://www.g2.com/discussions/when-can-we-expect-a-native-ios-app-when-can-we-see-microsoft-identity-integration) — 3 comments, 1 upvote
  > **Top comment:** "Hi Jason - Happy to share that our team is heads-down working on a beta release for iOS due in August. No plans for Microsoft SSO on the roadmap, but if..."

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**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/bill-spend-expense-formerly-divvy-vs-ramp-financial-ramp)