# BILL Spend & Expense (Formerly Divvy), Corpay Complete vs Expensify Comparison

| | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.6 out of 5 | 4.5 out of 5 | 
| **Total Reviews** | 2,100 | 387 | 5,639 | 
| **Largest Market Segment** | Small-Business (65.1% of reviews) | Mid-Market (69.2% of reviews) | Mid-Market (49.4% of reviews) | 
| **Entry Level Price** | $0.00 1 user Per Month | No pricing available | Free Trial | 

---
## Top Pros & Cons

### BILL Spend & Expense (Formerly Divvy)

Pros:
- Ease of Use (366 reviews)
- Expense Management (202 reviews)

Cons:
- Integration Issues (75 reviews)
- Approval Issues (72 reviews)

### Corpay Complete

Pros:
- Ease of Use (86 reviews)
- Efficiency (63 reviews)

Cons:
- Payment Issues (29 reviews)
- Vendor Management (21 reviews)

### Expensify

Pros:
- Ease of Use (244 reviews)
- Expense Tracking (112 reviews)

Cons:
- Receipt Management (36 reviews)
- Manual Entry (34 reviews)

---
## Ratings Comparison
| Rating | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
  | **Meets Requirements** | 9.0 (1761 reviews) | 9.1 (336 reviews) | 9.3 (4678 reviews) | 
  | **Ease of Use** | 9.1 (1803 reviews) | 9.2 (329 reviews) | 9.1 (4728 reviews) | 
  | **Ease of Setup** | 8.8 (1526 reviews) | 9.0 (189 reviews) | 8.7 (1054 reviews) | 
  | **Ease of Admin** | 8.9 (1473 reviews) | 9.2 (146 reviews) | 8.2 (658 reviews) | 
  | **Quality of Support** | 8.6 (1644 reviews) | 9.2 (326 reviews) | 8.9 (3182 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.1 (1458 reviews) | 9.4 (145 reviews) | 8.4 (632 reviews) | 
  | **Product Direction (% positive)** | 9.1 (1769 reviews) | 9.1 (320 reviews) | 8.5 (4554 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

### Corpay Complete

#### Entry-Level Pricing

No pricing available

#### Free Trial

Yes

### Expensify

#### Entry-Level Pricing

Plan: Free Trial

Price: Free Trial

Key Features:
- Give Expensify a try today, for free!

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

#### Free Trial

Yes

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.0/10 | 1365 |
| **Corpay Complete** | 9.9/10 | 21 |
| **Expensify** | 8.8/10 | 4148 |

#### Expense Reports

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Ease of Creating Expense Reports** | 8.5 (1044 reviews) ✓ Verified | 10.0 (17 reviews) | 9.2 (3842 reviews) ✓ Verified | 
| **Bank / Credit Card Integration** | 8.7 (1088 reviews) ✓ Verified | 9.9 (17 reviews) | 8.8 (2865 reviews) ✓ Verified | 
| **Smart Categorization** | 8.3 (1072 reviews) ✓ Verified | 10.0 (17 reviews) | 8.5 (3310 reviews) ✓ Verified | 
| **Digital Receipt Management** | 9.1 (1191 reviews) ✓ Verified | 10.0 (17 reviews) | 9.1 (3745 reviews) ✓ Verified | 
| **Employee Reimbursement** | 7.8 (922 reviews) ✓ Verified | 9.8 (17 reviews) | 9.3 (3431 reviews) ✓ Verified | 
| **Currency Conversions** | 7.8 (718 reviews) ✓ Verified | 10.0 (17 reviews) | 8.9 (1959 reviews) ✓ Verified | 
| **Credit Card Integration** | 8.4 (961 reviews) ✓ Verified | 9.9 (17 reviews) | 8.8 (2234 reviews) ✓ Verified | 

#### Agentic AI - Expense Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Autonomous Task Execution** | 6.5 (119 reviews) | 10.0 (17 reviews) | 8.0 (81 reviews) | 
| **Cross-system Integration** | 7.1 (122 reviews) | 9.9 (17 reviews) | 8.3 (83 reviews) | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Ease of Booking** | 7.5 (779 reviews) | 9.7 (17 reviews) | 8.8 (1552 reviews) | 
| **Itinerary Management** | 6.7 (635 reviews) | 9.8 (17 reviews) | 8.6 (1395 reviews) ✓ Verified | 
| **Trip Notifications** | 6.5 (616 reviews) | 9.9 (17 reviews) | 8.6 (1394 reviews) ✓ Verified | 
| **Advanced Integrations** | 6.9 (691 reviews) | 10.0 (17 reviews) | 8.7 (1388 reviews) ✓ Verified | 

#### Client Invoicing

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Invoice Creation and Delivery** | Feature Not Available | 9.6 (17 reviews) | 8.9 (1660 reviews) ✓ Verified | 
| **Electronic Payments** | 7.9 (888 reviews) ✓ Verified | 10.0 (17 reviews) | 9.0 (1766 reviews) ✓ Verified | 
| **Project Accounting / Revenue Recognition** | 7.8 (795 reviews) ✓ Verified | 9.8 (17 reviews) | 8.8 (1458 reviews) ✓ Verified | 

#### Generative AI - Expense Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | 7.1 (7 reviews) | 
| **Text Generation** | Not enough data | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | Not enough data | 

#### Mobile

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Receipt Capture** | 9.2 (1123 reviews) ✓ Verified | 9.8 (17 reviews) | 9.2 (3618 reviews) ✓ Verified | 
| **Mileage Tracking** | 7.4 (692 reviews) ✓ Verified | 10.0 (17 reviews) | 8.9 (2293 reviews) ✓ Verified | 
| **Travel Itinerary and Flight Status Updates** | Feature Not Available | 9.6 (17 reviews) | 8.8 (1519 reviews) ✓ Verified | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Embedded AI / Machine Learning** | 7.1 (606 reviews) | 10.0 (17 reviews) | 8.5 (1574 reviews) ✓ Verified | 
| **Complex Approval Workflow** | 7.8 (755 reviews) ✓ Verified | 9.9 (17 reviews) | 8.6 (1756 reviews) ✓ Verified | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **PCI Regulation Compliant** | 8.2 (691 reviews) ✓ Verified | 10.0 (17 reviews) | 8.8 (1279 reviews) ✓ Verified | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Business Tool Integration** | 8.3 (1000 reviews) ✓ Verified | 10.0 (17 reviews) | 8.8 (1761 reviews) ✓ Verified | 
| **Workflow** | 8.3 (1000 reviews) ✓ Verified | 10.0 (17 reviews) | 9.0 (2090 reviews) ✓ Verified | 
| **Automated Reminders** | 8.3 (1036 reviews) ✓ Verified | 10.0 (17 reviews) | 9.0 (2130 reviews) ✓ Verified | 
| **Policy Compliance Management** | 8.4 (942 reviews) ✓ Verified | 10.0 (17 reviews) | 8.9 (1834 reviews) ✓ Verified | 
| **User, Role, and Access Management** | 8.9 (1143 reviews) ✓ Verified | 10.0 (17 reviews) | 9.0 (2065 reviews) ✓ Verified | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Reporting** | 8.5 (1008 reviews) ✓ Verified | 10.0 (17 reviews) | 9.1 (2261 reviews) ✓ Verified | 
| **APIs / Integration** | 7.9 (770 reviews) ✓ Verified | 10.0 (17 reviews) | 8.7 (1396 reviews) ✓ Verified | 
| **Internationalization** | 7.6 (640 reviews) | 10.0 (17 reviews) | 8.8 (1434 reviews) ✓ Verified | 
| **Performance and Reliability** | 8.9 (1068 reviews) ✓ Verified | 10.0 (17 reviews) | 9.2 (2540 reviews) ✓ Verified | 
| **Mobile User Support** | 8.9 (1023 reviews) ✓ Verified | 9.9 (17 reviews) | 9.1 (2204 reviews) ✓ Verified | 
| **Offline** | Feature Not Available | 9.5 (17 reviews) | 8.6 (1472 reviews) ✓ Verified | 

### Enterprise Payment

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Corpay Complete** | 9.4/10 | 121 |
| **Expensify** | N/A | N/A |

#### Payment Methods

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **ACH** | Not enough data | 9.6 (114 reviews) | Not enough data | 
| **Credit and Debit** | Not enough data | 9.4 (112 reviews) | Not enough data | 
| **Wire Transfer** | Not enough data | 9.2 (83 reviews) | Not enough data | 

#### Payment Processing 

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Batch Processing** | Not enough data | 9.2 (113 reviews) | Not enough data | 
| **Payments Scheduling** | Not enough data | 9.3 (98 reviews) | Not enough data | 
| **Automated Workflows** | Not enough data | 9.2 (95 reviews) | Not enough data | 
| **Self Service** | Not enough data | 9.3 (100 reviews) | Not enough data | 
| **Reconciliation** | Not enough data | 9.1 (99 reviews) | Not enough data | 
| **Settlements** | Not enough data | 9.1 (99 reviews) | Not enough data | 
| **Payment Tracking** | Not enough data | 9.4 (112 reviews) | Not enough data | 

#### Security and Compliance

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **PCI Compliant** | Not enough data | 9.5 (91 reviews) | Not enough data | 
| **P2PE** | Not enough data | 9.5 (83 reviews) | Not enough data | 
| **Fraud Management** | Not enough data | 9.6 (87 reviews) | Not enough data | 
| **SSL Encryption** | Not enough data | 9.3 (85 reviews) | Not enough data | 
| **SOX** | Not enough data | 9.5 (72 reviews) | Not enough data | 
| **SOC** | Not enough data | 9.5 (71 reviews) | Not enough data | 

#### Integration

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Agnostic Integration** | Not enough data | 9.1 (87 reviews) | Not enough data | 
| **Reporting Consolidation** | Not enough data | 9.3 (89 reviews) | Not enough data | 
| **Plugins and APIs** | Not enough data | 9.5 (84 reviews) | Not enough data | 

#### Payment Types

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **AP Automation** | Not enough data | 9.6 (58 reviews) | Not enough data | 
| **E-Commerce** | Not enough data | Feature Not Available | Not enough data | 
| **Retail** | Not enough data | Feature Not Available | Not enough data | 

#### Agentic AI - Enterprise Payment

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Adaptive Learning** | Not enough data | 10.0 (17 reviews) | Not enough data | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.3/10 | 925 |
| **Corpay Complete** | 9.9/10 | 21 |
| **Expensify** | N/A | N/A |

#### Setup

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Data** | 8.1 (705 reviews) | 10.0 (17 reviews) | Not enough data | 
| **Approvals** | 8.7 (764 reviews) | 10.0 (17 reviews) | Not enough data | 
| **Alignment** | 8.5 (627 reviews) | 9.8 (17 reviews) | Not enough data | 

#### Performance

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **KPIs** | 7.6 (552 reviews) | 10.0 (17 reviews) | Not enough data | 
| **Benchmarks** | 7.6 (557 reviews) | 10.0 (17 reviews) | Not enough data | 
| **Forecasting** | 7.4 (559 reviews) | 9.8 (17 reviews) | Not enough data | 
| **Savings** | 7.6 (589 reviews) | 10.0 (17 reviews) | Not enough data | 

#### Payment Cards

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **One-time Virtual** | 8.8 (656 reviews) | 9.8 (17 reviews) | Not enough data | 
| **Recurring Virtual** | 8.8 (674 reviews) | 9.9 (17 reviews) | Not enough data | 
| **Physical** | 9.0 (761 reviews) | 10.0 (17 reviews) | Not enough data | 

#### Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Real time** | 8.9 (746 reviews) | 10.0 (17 reviews) | Not enough data | 
| **Multiple Views** | 8.7 (653 reviews) | 10.0 (17 reviews) | Not enough data | 
| **Export** | 8.7 (700 reviews) | 9.9 (17 reviews) | Not enough data | 
| **Budgets** | 8.6 (789 reviews) | 9.4 (17 reviews) | Not enough data | 

#### Payments

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Vendor** | 8.4 (670 reviews) | 10.0 (17 reviews) | Not enough data | 
| **Recurring** | 8.6 (669 reviews) | 10.0 (17 reviews) | Not enough data | 
| **Employee Reimbursements** | 7.6 (610 reviews) | 10.0 (17 reviews) | Not enough data | 
| **ACH** | 7.9 (625 reviews) | 10.0 (17 reviews) | Not enough data | 

#### Fraud & Risk Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Notifications** | 8.4 (741 reviews) | 9.9 (17 reviews) | Not enough data | 
| **Unique Cards** | 8.8 (724 reviews) | 10.0 (17 reviews) | Not enough data | 
| **Controls** | 9.0 (740 reviews) | 9.9 (17 reviews) | Not enough data | 

#### Agentic AI - Spend Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Proactive Assistance** | 5.8 (59 reviews) | 10.0 (17 reviews) | Not enough data | 

### Procure to Pay

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Corpay Complete** | 10.0/10 | 26 |
| **Expensify** | N/A | N/A |

#### Planning

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Processes** | Not enough data | 9.9 (23 reviews) | Not enough data | 
| **Contracts** | Not enough data | Feature Not Available | Not enough data | 
| **Content** | Not enough data | 9.9 (23 reviews) | Not enough data | 
| **Requisition** | Not enough data | 9.9 (23 reviews) | Not enough data | 

#### Execution

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Sourcing** | Not enough data | Feature Not Available | Not enough data | 
| **Purchasing** | Not enough data | 9.9 (23 reviews) | Not enough data | 
| **Invoicing** | Not enough data | 9.9 (23 reviews) | Not enough data | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Visibility** | Not enough data | 9.7 (23 reviews) | Not enough data | 
| **Performance** | Not enough data | 10.0 (23 reviews) | Not enough data | 
| **Spend** | Not enough data | 10.0 (23 reviews) | Not enough data | 

#### Agentic AI -  Procure to Pay

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Multi-step Planning** | Not enough data | 10.0 (13 reviews) | Not enough data | 

### Accounts Payable (AP) and Spend Analysis

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Corpay Complete** | 9.8/10 | 39 |
| **Expensify** | N/A | N/A |

#### Data Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Consolidation** | Not enough data | Feature Not Available | Not enough data | 
| **Classification** | Not enough data | Feature Not Available | Not enough data | 
| **External Sources** | Not enough data | Feature Not Available | Not enough data | 
| **Integration** | Not enough data | Feature Not Available | Not enough data | 
| **Cleaning** | Not enough data | Feature Not Available | Not enough data | 

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

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Decision Making** | Not enough data | 10.0 (6 reviews) | Not enough data | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Benchmarking** | Not enough data | Feature Not Available | Not enough data | 
| **KPIs** | Not enough data | Feature Not Available | Not enough data | 
| **Compliance** | Not enough data | 9.9 (38 reviews) | Not enough data | 
| **Errors** | Not enough data | 9.6 (38 reviews) | Not enough data | 

#### Recovery

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Historical payments** | Not enough data | 9.8 (37 reviews) | Not enough data | 
| **Overpayments** | Not enough data | 9.6 (37 reviews) | Not enough data | 

#### AP Data Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Workflows** | Not enough data | 9.8 (38 reviews) | Not enough data | 
| **Transparency** | Not enough data | 9.8 (38 reviews) | Not enough data | 
| **Controls** | Not enough data | 9.8 (38 reviews) | Not enough data | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 6.3/10 | 30 |
| **Corpay Complete** | 9.3/10 | 158 |
| **Expensify** | N/A | N/A |

#### Invoice Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Capture** | 8.1 (19 reviews) | 8.9 (103 reviews) | Not enough data | 
| **Supplier Portal** | 5.5 (16 reviews) | 9.3 (77 reviews) | Not enough data | 
| **Repository** | 7.3 (20 reviews) | 9.0 (90 reviews) | Not enough data | 

#### Invoice Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Matching** | 6.9 (16 reviews) | 9.2 (105 reviews) | Not enough data | 
| **Payments** | 7.4 (18 reviews) | 9.4 (110 reviews) | Not enough data | 
| **Workflows** | 6.9 (18 reviews) | 9.3 (118 reviews) | Not enough data | 
| **Tax Compliance** | 6.6 (17 reviews) | 9.2 (78 reviews) ✓ Verified | Not enough data | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Due Dates** | 6.7 (18 reviews) | 9.2 (101 reviews) | Not enough data | 
| **Benchmarking** | 5.4 (16 reviews) | 8.9 (79 reviews) ✓ Verified | Not enough data | 
| **KPIs** | 5.7 (16 reviews) | 9.3 (78 reviews) | Not enough data | 

#### Integration

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Accounting** | 9.0 (26 reviews) | 9.5 (126 reviews) ✓ Verified | Not enough data | 
| **Payment Integration** | 8.2 (16 reviews) | 9.4 (131 reviews) ✓ Verified | Not enough data | 
| **ERP** | 6.2 (17 reviews) | 9.1 (103 reviews) ✓ Verified | Not enough data | 

#### Risk

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Analysis** | 5.9 (16 reviews) | Feature Not Available | Not enough data | 
| **Identification** | 6.7 (17 reviews) | 9.2 (94 reviews) | Not enough data | 
| **Scoring** | 5.4 (15 reviews) | Feature Not Available | Not enough data | 

#### Recovery

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Recoup** | 6.4 (16 reviews) | 9.0 (84 reviews) | Not enough data | 
| **Reporting** | 6.4 (16 reviews) | 9.3 (91 reviews) | Not enough data | 

#### Audit

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Filters** | 6.4 (16 reviews) | 9.2 (73 reviews) | Not enough data | 
| **Post Audits** | 5.8 (16 reviews) | Feature Not Available | Not enough data | 
| **Overpayments** | 5.3 (16 reviews) | 9.3 (80 reviews) | Not enough data | 
| **Duplicates** | 6.8 (17 reviews) | 9.3 (89 reviews) | Not enough data | 

#### Fraud

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Vendor Checks** | 6.5 (17 reviews) | 9.4 (92 reviews) | Not enough data | 
| **Data Generation** | 7.0 (16 reviews) | 9.3 (85 reviews) | Not enough data | 
| **Monitoring** | 6.8 (16 reviews) | 9.4 (83 reviews) | Not enough data | 

#### Agentic AI - AP Automation

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Autonomous Task Execution** | 5.8 (16 reviews) | 10.0 (17 reviews) | Not enough data | 
| **Proactive Assistance** | 5.8 (16 reviews) | 9.9 (17 reviews) | Not enough data | 
| **Decision Making** | 5.6 (16 reviews) | 10.0 (17 reviews) | Not enough data | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Corpay Complete** | 9.8/10 | 49 |
| **Expensify** | N/A | N/A |

#### Invoice Generation

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Templates** | Not enough data | 9.7 (45 reviews) | Not enough data | 
| **Digital Invoices** | Not enough data | 10.0 (45 reviews) | Not enough data | 
| **Recurring Invoices** | Not enough data | 9.7 (44 reviews) | Not enough data | 

#### Invoice Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Approvals** | Not enough data | 10.0 (45 reviews) | Not enough data | 
| **Batch Processing** | Not enough data | 9.3 (45 reviews) | Not enough data | 
| **Consolidation** | Not enough data | 9.7 (45 reviews) | Not enough data | 
| **Match Invoices** | Not enough data | 9.9 (45 reviews) | Not enough data | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Due Dates** | Not enough data | 9.8 (45 reviews) | Not enough data | 
| **Cashflow** | Not enough data | Feature Not Available | Not enough data | 
| **KPIs** | Not enough data | Feature Not Available | Not enough data | 
| **Payment Tracking** | Not enough data | 9.9 (45 reviews) | Not enough data | 

#### Integration

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Accounting** | Not enough data | 9.9 (45 reviews) | Not enough data | 
| **Payments** | Not enough data | 9.9 (45 reviews) | Not enough data | 
| **ERP** | Not enough data | 9.6 (45 reviews) | Not enough data | 
| **Account Sync** | Not enough data | 9.9 (45 reviews) | Not enough data | 

#### Agentic AI - Invoice Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Cross-system Integration** | Not enough data | 10.0 (17 reviews) | Not enough data | 
| **Adaptive Learning** | Not enough data | 10.0 (17 reviews) | Not enough data | 
| **Proactive Assistance** | Not enough data | 10.0 (17 reviews) | Not enough data | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Corpay Complete** | 8.6/10 | 139 |
| **Expensify** | N/A | N/A |

#### Payment Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Encryption** | Not enough data | 9.0 (98 reviews) | Not enough data | 
| **Credit Card Processing** | Not enough data | 9.0 (67 reviews) | Not enough data | 
| **Mobile Payments** | Not enough data | 8.6 (53 reviews) | Not enough data | 
| **Digital Wallet Integration** | Not enough data | 8.3 (51 reviews) | Not enough data | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Reporting & Analytics** | Not enough data | 8.8 (114 reviews) | Not enough data | 
| **E-commerce Integration** | Not enough data | 8.6 (59 reviews) | Not enough data | 
| **Processing Fees** | Not enough data | 8.5 (109 reviews) | Not enough data | 
| **POS Integration** | Not enough data | 8.8 (58 reviews) | Not enough data | 
| **Omnichannel** | Not enough data | 8.3 (73 reviews) | Not enough data | 
| **Levels 1 & 2** | Not enough data | 8.6 (77 reviews) | Not enough data | 
| **Level 3** | Not enough data | 8.6 (73 reviews) | Not enough data | 

#### Payment Options

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Multi-Currency** | Not enough data | 7.1 (65 reviews) | Not enough data | 
| **Online payment portal** | Not enough data | 9.0 (112 reviews) | Not enough data | 

#### Security

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **POS Verification** | Not enough data | 8.8 (64 reviews) | Not enough data | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Accounting integration** | Not enough data | 9.0 (110 reviews) | Not enough data | 
| **E-commerce Integration** | Not enough data | 8.7 (55 reviews) | Not enough data | 

### Travel Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Corpay Complete** | N/A | N/A |
| **Expensify** | 8.8/10 | 3781 |

#### Expense Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Expense Automation** | Not enough data | Not enough data | 9.5 (114 reviews) | 
| **Integration** | Not enough data | Not enough data | 9.2 (87 reviews) | 
| **Compliance** | Not enough data | Not enough data | 9.5 (89 reviews) | 
| **Mobile Functionality** | Not enough data | Not enough data | 9.4 (108 reviews) | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Ease of Booking** | 7.5 (779 reviews) | 9.7 (17 reviews) | 8.8 (1552 reviews) | 
| **Itinerary Management** | 6.7 (635 reviews) | 9.8 (17 reviews) | 8.6 (1395 reviews) ✓ Verified | 
| **Trip Notifications** | 6.5 (616 reviews) | 9.9 (17 reviews) | 8.6 (1394 reviews) ✓ Verified | 
| **Advanced Integrations** | 6.9 (691 reviews) | 10.0 (17 reviews) | 8.7 (1388 reviews) ✓ Verified | 

#### Approval 

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Rules** | Not enough data | Not enough data | 9.3 (104 reviews) | 
| **Workflows** | Not enough data | Not enough data | 9.5 (97 reviews) | 
| **Submit** | Not enough data | Not enough data | 9.6 (108 reviews) | 

#### AI - Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Personalization** | Not enough data | Not enough data | 8.0 (44 reviews) | 
| **Predictive Analytics** | Not enough data | Not enough data | 8.2 (44 reviews) | 
| **Cost Savings** | Not enough data | Not enough data | 8.3 (45 reviews) | 
| **Efficiency** | Not enough data | Not enough data | 8.7 (46 reviews) | 
| **Real-Time Assistance** | Not enough data | Not enough data | 8.5 (45 reviews) | 

#### Agentic AI - Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 7.5 (21 reviews) | 
| **Proactive Assistance** | Not enough data | Not enough data | 7.5 (21 reviews) | 

#### Employee Risk Management

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

#### Sustainability & Reporting

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

### Accounting & Finance

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

#### Agentic AI - Accounting & Finance

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

---
## Categories
**Shared Categories (1):** [Expense Management Software](https://www.g2.com/categories/expense-management)

**Unique to BILL Spend & Expense (Formerly Divvy) (2):** [Spend Management Software](https://www.g2.com/categories/spend-management), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation)

**Unique to Corpay Complete (7):** [Accounts Payable (AP) & Spend Analysis Software](https://www.g2.com/categories/accounts-payable-ap-and-spend-analysis), [Procure to Pay Software](https://www.g2.com/categories/procure-to-pay), [Spend Management Software](https://www.g2.com/categories/spend-management), [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation), [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Payment Processing Software](https://www.g2.com/categories/payment-processing)

**Unique to Expensify (1):** [Travel Management Software](https://www.g2.com/categories/travel-management)


---
## Reviewer Demographics

### By Company Size

| Segment | BILL Spend & Expense (Formerly Divvy) | Corpay Complete | Expensify | 
|---|---|---|---|
| **Small-Business** | 65.1% | 11.7% | 35.1% | 
| **Mid-Market** | 33.4% | 69.2% | 49.4% | 
| **Enterprise** | 1.6% | 19.2% | 15.5% | 

### By Industry

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

- **Non-Profit Organization Management:** 14.5%
- **Construction:** 8.7%
- **Accounting:** 7.9%
- **Religious Institutions:** 5.3%
- **Computer Software:** 4.0%
- **Real Estate:** 3.6%
- **Marketing and Advertising:** 3.2%
- **Information Technology and Services:** 3.0%
- **Hospital & Health Care:** 2.9%
- **Retail:** 2.7%
- **Other:** 44.3%

#### Corpay Complete

- **Automotive:** 11.1%
- **Primary/Secondary Education:** 9.6%
- **Education Management:** 8.5%
- **Accounting:** 8.0%
- **Higher Education:** 7.8%
- **Construction:** 7.5%
- **Telecommunications:** 6.5%
- **Hospitality:** 3.9%
- **Hospital & Health Care:** 3.4%
- **Information Technology and Services:** 2.6%
- **Other:** 31.1%

#### Expensify

- **Computer Software:** 16.2%
- **Information Technology and Services:** 11.4%
- **Marketing and Advertising:** 4.7%
- **Internet:** 4.6%
- **Financial Services:** 4.1%
- **Non-Profit Organization Management:** 3.6%
- **Hospital & Health Care:** 3.1%
- **Accounting:** 2.6%
- **Education Management:** 2.6%
- **Religious Institutions:** 1.6%
- **Other:** 45.4%

---
## Alternatives

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

- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2414 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1573 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9089 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7055 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews)
- [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2384 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 (1119 reviews)
- [Mesh Payments](https://www.g2.com/products/mesh-payments/reviews) — 4.6/5 stars (1066 reviews)

### Alternatives to Corpay Complete

- [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (1926 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1804 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (407 reviews)
- [AvidXchange](https://www.g2.com/products/avidxchange/reviews) — 4.4/5 stars (317 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2414 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7055 reviews)
- [Quadient Accounts Payable](https://www.g2.com/products/quadient-accounts-payable/reviews) — 4.5/5 stars (236 reviews)
- [Yooz](https://www.g2.com/products/yooz/reviews) — 4.4/5 stars (348 reviews)
- [Sage Intacct](https://www.g2.com/products/sage-intacct/reviews) — 4.3/5 stars (4204 reviews)

### Alternatives to Expensify

- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9089 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7055 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2414 reviews)
- [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2384 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1573 reviews)
- [Happay](https://www.g2.com/products/happay/reviews) — 4.5/5 stars (431 reviews)
- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (889 reviews)
- [TravelBank](https://www.g2.com/products/travelbank/reviews) — 4.5/5 stars (378 reviews)
- [Perk (formerly TravelPerk)](https://www.g2.com/products/perk-formerly-travelperk/reviews) — 4.6/5 stars (1968 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (5315 reviews)

---
## 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."

### Corpay Complete

- Title: [Why do you limit payment files to only be .txt files?](https://www.g2.com/discussions/30835-why-do-you-limit-payment-files-to-only-be-txt-files) — 2 comments, 1 upvote
  > **Top comment:** "Hi Zach,
 
Thanks for asking about payment file types! We accept other file extensions including csv, xls, and xlsx. You can find the entire list here:..."
- Title: [Will Nvoicepay offer payments in foreign currency and provide 1099 services.](https://www.g2.com/discussions/30628-will-nvoicepay-offer-payments-in-foreign-currency-and-provide-1099-services) — 1 comment
  > **Top comment:** "Hi Michael,
 
Thanks for your question! We offer international payments via ACH and wire in more than 140 currencies. For 1099 services, we recommend our..."
- Title: [Am I responsible for setting up all my own vendors?](https://www.g2.com/discussions/vendor-enrollment) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "No, we don’t pass the workload to our customers through “self-service onboarding.” Nvoicepay assumes responsibility for enrolling 100% of our customers’..."
- Title: [Can I use Nvoicepay to pay international vendors?](https://www.g2.com/discussions/payment-options-9d4fe0d6-ae6d-407c-9f15-6a690e6fb187) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "Yes. Our customers can make payments to 170 countries in 140 currencies in the same workflow as their domestic payments."
- Title: [Does Nvoicepay integrate with my front-end AP solution or ERP?](https://www.g2.com/discussions/integrations-10ce6b3f-ac5d-4e6e-a093-2bc5a1e15342) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "Yes. Our solution communicates with any ERP, and works seamlessly with all industry-leading front-end AP automation providers."

### Expensify

- Title: [Is there a free version of expensify?](https://www.g2.com/discussions/is-there-a-free-version-of-expensify) — 9 comments
  > **Top comment:** "Yes for personal accounts, 
No for business accounts"
- Title: [How do employees get reimbursed through Expensify? And,  how long does reimbursement take?](https://www.g2.com/discussions/reimbursement) — 5 comments, 1 upvote *(includes official response)*
  > **Top comment:** "Employees can be reimbursed with Next Day Direct Deposit (via ACH) or PayPal. Currently offered in Australia and U.S., as soon as reports are approved, rapid..."
- Title: [What is expensify used for?](https://www.g2.com/discussions/what-is-expensify-used-for) — 4 comments
  > **Top comment:** "Reimbursments"
- Title: [Do you know if we can just email Expense and those can be recorded as well?](https://www.g2.com/discussions/do-you-know-if-we-can-just-email-expense-and-those-can-be-recorded-as-well) — 4 comments, 1 upvote
  > **Top comment:** "Yes, you can emails receipts to be recorded to receipts@expensify.com "
- Title: [What is Expensify used for?](https://www.g2.com/discussions/expensify-what-is-expensify-used-for) — 3 comments
  > **Top comment:** "Logging business expenses to be reimbursed by your employer. "

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