# BILL Spend & Expense (Formerly Divvy) vs Mercury Comparison --- ## AI Generated Summary - **G2 reviewers report** that BILL Spend & Expense (Formerly Divvy) excels in providing clear visibility into payables and expenses, thanks to its seamless integration with various vendor portals and accounting software like Xero. This feature helps automate tasks and streamline financial processes, making it a strong choice for businesses looking to enhance their expense management. - **Users say** that Mercury stands out for its simplicity and ease of use, particularly through its mobile app. Many appreciate the tech-first approach to banking features, which allows them to manage their accounts effortlessly. The user interface is described as clear and quick, enabling users to perform tasks like invoicing with minimal hassle. - **Reviewers mention** that BILL Spend & Expense (Formerly Divvy) offers a robust virtual card platform, allowing employees to have different budgets and permissions. This feature not only helps businesses stay on top of spending but also facilitates the review and approval of expenses, which is crucial for maintaining financial control. - **According to verified reviews** , Mercury users appreciate the ease of making international payments and the straightforward process of ordering debit and credit cards. This functionality is particularly beneficial for businesses with global operations, as it simplifies cross-border transactions. - **G2 reviewers highlight** that while both platforms have similar star ratings, BILL Spend & Expense (Formerly Divvy) has a significantly higher overall G2 Score, indicating greater user satisfaction. This is reflected in the positive feedback regarding its digital receipt management and smart categorization features, which enhance the overall user experience. - **Users report** that while Mercury has a strong focus on banking features, it may not offer the same level of comprehensive expense management tools as BILL Spend & Expense (Formerly Divvy). The latter's capabilities in areas like credit card integration and approval workflows are particularly noted as advantages for businesses needing detailed financial oversight. | | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Star Rating** | 4.5 out of 5 | 4.5 out of 5 | | **Total Reviews** | 2,236 | 121 | | **Largest Market Segment** | Small-Business (65.3% of reviews) | Small-Business (90.1% of reviews) | | **Entry Level Price** | $0.00 1 user Per Month | No pricing available | --- ## 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) ### Mercury Pros: - Ease of Use (24 reviews) - Easy Setup (11 reviews) Cons: - Approval Issues (5 reviews) - Poor Customer Support (4 reviews) --- ## Ratings Comparison | Rating | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Meets Requirements** | 9.0 (1859 reviews) | 8.4 (73 reviews) | | **Ease of Use** | 9.0 (1907 reviews) | 9.1 (76 reviews) | | **Ease of Setup** | 8.8 (1624 reviews) | 9.1 (62 reviews) | | **Ease of Admin** | 9.0 (1565 reviews) | 9.4 (40 reviews) | | **Quality of Support** | 8.5 (1737 reviews) | 8.1 (67 reviews) | | **Has the product been a good partner in doing business?** | 9.1 (1547 reviews) | 8.8 (40 reviews) | | **Product Direction (% positive)** | 9.0 (1851 reviews) | 8.7 (70 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 ### Mercury #### Entry-Level Pricing No pricing available #### Free Trial Yes --- ## Features Comparison By Category ### Expense Management | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 8.0/10 | 1466 | | **Mercury** | 7.0/10 | 20 | #### Expense Reports | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Ease of Creating Expense Reports** | 8.5 (1064 reviews) ✓ Verified | Feature Not Available | | **Bank / Credit Card Integration** | 8.8 (1103 reviews) ✓ Verified | 7.8 (19 reviews) | | **Smart Categorization** | 8.3 (1092 reviews) ✓ Verified | 7.6 (19 reviews) | | **Digital Receipt Management** | 9.1 (1239 reviews) ✓ Verified | 7.7 (18 reviews) | | **Employee Reimbursement** | 7.8 (934 reviews) ✓ Verified | 7.9 (18 reviews) | | **Currency Conversions** | 7.8 (719 reviews) ✓ Verified | 7.0 (19 reviews) | | **Credit Card Integration** | 8.5 (978 reviews) ✓ Verified | 6.4 (18 reviews) | #### Agentic AI - Expense Management | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Autonomous Task Execution** | 6.5 (119 reviews) | Not enough data | | **Cross-system Integration** | 7.2 (124 reviews) | Feature Not Available | #### Travel Management | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Ease of Booking** | 7.5 (778 reviews) | Feature Not Available | | **Itinerary Management** | 6.7 (634 reviews) | Feature Not Available | | **Trip Notifications** | 6.5 (616 reviews) | Feature Not Available | | **Advanced Integrations** | 6.9 (691 reviews) | Feature Not Available | #### Client Invoicing | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Invoice Creation and Delivery** | Feature Not Available | 7.6 (17 reviews) | | **Electronic Payments** | 7.9 (890 reviews) ✓ Verified | 6.9 (18 reviews) | | **Project Accounting / Revenue Recognition** | 7.8 (796 reviews) ✓ Verified | Feature Not Available | #### Generative AI - Expense Management | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **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) | Mercury | |---|---|---| | **Receipt Capture** | 9.2 (1146 reviews) ✓ Verified | 6.9 (17 reviews) | | **Mileage Tracking** | 7.4 (692 reviews) ✓ Verified | Feature Not Available | #### Platform | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Embedded AI / Machine Learning** | 7.1 (612 reviews) | 5.0 (17 reviews) | | **Complex Approval Workflow** | 7.7 (757 reviews) ✓ Verified | 5.5 (17 reviews) | #### Administration | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **PCI Regulation Compliant** | 8.2 (689 reviews) ✓ Verified | 7.4 (18 reviews) | #### Administration | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Business Tool Integration** | 8.3 (1024 reviews) ✓ Verified | 7.5 (17 reviews) | | **Workflow** | 8.3 (1013 reviews) ✓ Verified | Feature Not Available | | **Automated Reminders** | 8.3 (1042 reviews) ✓ Verified | Feature Not Available | | **Policy Compliance Management** | 8.4 (950 reviews) ✓ Verified | 6.8 (17 reviews) | | **User, Role, and Access Management** | 8.9 (1158 reviews) ✓ Verified | 7.5 (17 reviews) | #### Platform | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Reporting** | 8.4 (1018 reviews) ✓ Verified | 7.2 (17 reviews) | | **APIs / Integration** | 7.9 (771 reviews) ✓ Verified | 7.1 (17 reviews) | | **Internationalization** | 7.6 (640 reviews) | 6.5 (17 reviews) | | **Performance and Reliability** | 8.9 (1087 reviews) ✓ Verified | 7.2 (18 reviews) | | **Mobile User Support** | 8.9 (1027 reviews) ✓ Verified | 7.0 (18 reviews) | ### Spend Management | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 8.3/10 | 933 | | **Mercury** | 7.5/10 | 36 | #### Setup | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Data** | 8.1 (703 reviews) | Feature Not Available | | **Approvals** | 8.7 (767 reviews) | 7.6 (30 reviews) | | **Alignment** | 8.5 (625 reviews) | Feature Not Available | #### Performance | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **KPIs** | 7.6 (548 reviews) | Feature Not Available | | **Benchmarks** | 7.6 (553 reviews) | Feature Not Available | | **Forecasting** | 7.4 (556 reviews) | 5.8 (29 reviews) | | **Savings** | 7.6 (585 reviews) | Feature Not Available | #### Payment Cards | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **One-time Virtual** | 8.8 (653 reviews) | Feature Not Available | | **Recurring Virtual** | 8.8 (673 reviews) | 8.0 (31 reviews) | | **Physical** | 9.0 (761 reviews) | 7.0 (32 reviews) | #### Reporting | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Real time** | 9.0 (747 reviews) | 8.3 (32 reviews) | | **Multiple Views** | 8.7 (651 reviews) | 7.0 (28 reviews) | | **Export** | 8.7 (700 reviews) | 7.5 (27 reviews) | | **Budgets** | 8.6 (787 reviews) | Feature Not Available | #### Payments | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Vendor** | 8.4 (667 reviews) | 7.2 (26 reviews) | | **Recurring** | 8.6 (666 reviews) | 7.1 (27 reviews) | | **Employee Reimbursements** | 7.6 (609 reviews) | 7.1 (27 reviews) | | **ACH** | 8.0 (623 reviews) | 8.8 (28 reviews) | #### Fraud & Risk Management | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Notifications** | 8.4 (740 reviews) | 7.9 (27 reviews) | | **Unique Cards** | 8.8 (722 reviews) | Feature Not Available | | **Controls** | 9.0 (741 reviews) | 8.4 (27 reviews) | #### Agentic AI - Spend Management | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Proactive Assistance** | 5.8 (59 reviews) | Feature Not Available | ### AP Automation | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 6.4/10 | 35 | | **Mercury** | N/A | N/A | #### Invoice Management | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Capture** | 7.9 (21 reviews) | Not enough data | | **Supplier Portal** | 5.7 (17 reviews) | Feature Not Available | | **Repository** | 7.3 (20 reviews) | Not enough data | #### Invoice Processing | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Matching** | 7.1 (17 reviews) | Not enough data | | **Payments** | 7.5 (19 reviews) | Not enough data | | **Workflows** | 6.9 (18 reviews) | Not enough data | | **Tax Compliance** | 6.6 (17 reviews) | Feature Not Available | #### Analytics | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Due Dates** | 6.7 (18 reviews) | Not enough data | | **Benchmarking** | 5.4 (16 reviews) | Feature Not Available | | **KPIs** | 5.7 (16 reviews) | Feature Not Available | #### Integration | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Accounting** | 8.8 (28 reviews) | Not enough data | | **Payment Integration** | 8.4 (18 reviews) | Not enough data | | **ERP** | 6.4 (18 reviews) | Not enough data | #### Risk | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **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) | Mercury | |---|---|---| | **Recoup** | 6.4 (16 reviews) | Feature Not Available | | **Reporting** | 6.7 (18 reviews) | Feature Not Available | #### Audit | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Filters** | 6.4 (16 reviews) | Feature Not Available | | **Post Audits** | 5.8 (16 reviews) | Feature Not Available | | **Overpayments** | 5.3 (16 reviews) | Not enough data | | **Duplicates** | 7.1 (19 reviews) | Not enough data | #### Fraud | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Vendor Checks** | 6.5 (17 reviews) | Feature Not Available | | **Data Generation** | 7.0 (16 reviews) | Feature Not Available | | **Monitoring** | 6.8 (19 reviews) | Not enough data | #### Agentic AI - AP Automation | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Autonomous Task Execution** | 5.8 (16 reviews) | Feature Not Available | | **Proactive Assistance** | 5.8 (16 reviews) | Feature Not Available | | **Decision Making** | 5.6 (16 reviews) | Feature Not Available | ### Billing | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A | | **Mercury** | N/A | N/A | #### Bill Generation | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Templates** | Not enough data | Not enough data | | **Digital Billing** | Not enough data | Not enough data | | **Recurring Billing** | Not enough data | Not enough data | #### Bill Processing | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Consolidation** | Not enough data | Not enough data | | **Batch Invoicing** | Not enough data | Not enough data | | **Management** | Not enough data | Not enough data | #### Integration | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Accounting** | Not enough data | Not enough data | | **Payments** | Not enough data | Not enough data | | **ERP** | Not enough data | Not enough data | #### Agentic AI - Billing | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A | | **Mercury** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | --- ## 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 Mercury (1):** [Billing Software](https://www.g2.com/categories/billing) --- ## Reviewer Demographics ### By Company Size | Segment | BILL Spend & Expense (Formerly Divvy) | Mercury | |---|---|---| | **Small-Business** | 65.3% | 90.1% | | **Mid-Market** | 33.3% | 8.1% | | **Enterprise** | 1.5% | 1.8% | ### By Industry #### BILL Spend & Expense (Formerly Divvy) - **Non-Profit Organization Management:** 14.7% - **Construction:** 9.0% - **Accounting:** 7.8% - **Religious Institutions:** 5.2% - **Computer Software:** 3.9% - **Real Estate:** 3.5% - **Marketing and Advertising:** 3.2% - **Information Technology and Services:** 2.9% - **Hospital & Health Care:** 2.9% - **Retail:** 2.8% - **Other:** 44.2% #### Mercury - **Computer Software:** 18.2% - **Information Technology and Services:** 14.5% - **Marketing and Advertising:** 8.2% - **Wholesale:** 5.5% - **Accounting:** 3.6% - **Design:** 3.6% - **Management Consulting:** 3.6% - **Consulting:** 3.6% - **Entertainment:** 2.7% - **Health, Wellness and Fitness:** 2.7% - **Other:** 33.6% --- ## Alternatives ### Alternatives to BILL Spend & Expense (Formerly Divvy) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2461 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1608 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9284 reviews) - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7139 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) - [PEX](https://www.g2.com/products/pex/reviews) — 4.6/5 stars (192 reviews) - [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5654 reviews) - [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2409 reviews) - [Mesh Payments](https://www.g2.com/products/mesh-payments/reviews) — 4.6/5 stars (1067 reviews) ### Alternatives to Mercury - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1608 reviews) - [Rho](https://www.g2.com/products/rho/reviews) — 4.7/5 stars (126 reviews) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2461 reviews) - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7139 reviews) - [Xero](https://www.g2.com/products/xero/reviews) — 4.4/5 stars (1696 reviews) - [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5654 reviews) - [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1809 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9284 reviews) - [Timesheets.com](https://www.g2.com/products/timesheets-com/reviews) — 4.2/5 stars (464 reviews) - [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1126 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." ### Mercury No discussions available for this product. --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/bill-spend-expense-formerly-divvy-vs-mercury-mercury)