# BILL Spend & Expense (Formerly Divvy) vs Payhawk Comparison
---
## AI Generated Summary
- **G2 reviewers report** that BILL Spend & Expense (formerly Divvy) excels in providing a comprehensive solution for managing expenses, corporate cards, and budgets all in one place. Users appreciate the **real-time tracking** and automation features that enhance financial transparency and reduce administrative burdens.
- **Users say** that Payhawk stands out for its responsive customer support, with many highlighting the quick assistance they received when facing login issues. This level of support can be crucial for businesses that need immediate help to keep operations running smoothly.
- **Reviewers mention** that both platforms offer an intuitive user experience, but Payhawk users specifically enjoy the **Travel Agent feature** , which simplifies trip planning by finding the best prices and options. This feature can save users time and money, making it a valuable addition for frequent travelers.
- **According to verified reviews** , BILL Spend & Expense shines in its **receipt tracking** capabilities, which many users consider a top feature. This functionality helps streamline expense reporting and ensures that users can easily manage their financial documentation.
- **G2 reviewers highlight** that while both products have similar star ratings, BILL Spend & Expense has a significantly higher overall G2 Score, indicating greater user satisfaction. This suggests that users feel more positively about their experience with BILL, particularly in areas like **integration with accounting software**.
- **Users report** that Payhawk offers a solid platform for managing bills and cards, but some find that it lacks the same level of comprehensive features as BILL Spend & Expense. For instance, while Payhawk is praised for its ease of use, users of BILL appreciate the flexibility and options available for controlling funds, which can be a deciding factor for businesses looking for robust financial management tools.



| | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.5 out of 5 | 
| **Total Reviews** | 2,236 | 897 | 
| **Largest Market Segment** | Small-Business (65.3% of reviews) | Mid-Market (59.0% of reviews) | 
| **Entry Level Price** | $0.00 1 user Per Month | Contact Us Per Month | 

---
## 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)

### Payhawk

Pros:
- Ease of Use (439 reviews)
- Expense Management (222 reviews)

Cons:
- Approval Issues (58 reviews)
- Missing Features (53 reviews)

---
## Ratings Comparison
| Rating | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
  | **Meets Requirements** | 9.0 (1858 reviews) | 8.9 (759 reviews) | 
  | **Ease of Use** | 9.0 (1907 reviews) | 9.1 (782 reviews) | 
  | **Ease of Setup** | 8.8 (1624 reviews) | 8.7 (606 reviews) | 
  | **Ease of Admin** | 9.0 (1566 reviews) | 8.9 (347 reviews) | 
  | **Quality of Support** | 8.5 (1736 reviews) | 9.2 (619 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.1 (1548 reviews) | 8.9 (337 reviews) | 
  | **Product Direction (% positive)** | 9.0 (1852 reviews) | 9.3 (760 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

### Payhawk

#### Entry-Level Pricing

Plan: Travel

Price: Contact Us Per Month

Description: Book, pay, and manage compliant business travel anywhere in the world. Includes the Al Travel Agent

Key Features:
- Global hotel and flight booking with zero markup
- Custom travel policy
- Agentic memory for personal preferences

[Browse all 5 editions](https://www.g2.com/products/payhawk/pricing)

#### Free Trial

No

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.0/10 | 1466 |
| **Payhawk** | 8.2/10 | 670 |

#### Expense Reports

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Ease of Creating Expense Reports** | 8.5 (1064 reviews) ✓ Verified | 8.6 (608 reviews) | 
| **Bank / Credit Card Integration** | 8.8 (1103 reviews) ✓ Verified | 8.7 (598 reviews) | 
| **Smart Categorization** | 8.3 (1092 reviews) ✓ Verified | 8.2 (594 reviews) | 
| **Digital Receipt Management** | 9.1 (1239 reviews) ✓ Verified | 8.9 (606 reviews) | 
| **Employee Reimbursement** | 7.8 (934 reviews) ✓ Verified | 8.9 (597 reviews) | 
| **Currency Conversions** | 7.8 (719 reviews) ✓ Verified | 8.4 (583 reviews) | 
| **Credit Card Integration** | 8.5 (978 reviews) ✓ Verified | 8.4 (536 reviews) | 

#### Agentic AI - Expense Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Autonomous Task Execution** | 6.5 (119 reviews) | 7.9 (66 reviews) | 
| **Cross-system Integration** | 7.2 (123 reviews) | 7.9 (66 reviews) | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Ease of Booking** | 7.5 (778 reviews) | 7.8 (529 reviews) | 
| **Itinerary Management** | 6.7 (634 reviews) | 7.3 (487 reviews) | 
| **Trip Notifications** | 6.5 (616 reviews) | 7.5 (61 reviews) | 
| **Advanced Integrations** | 6.9 (691 reviews) | 7.5 (505 reviews) | 

#### Client Invoicing

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Electronic Payments** | 7.9 (890 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) | Payhawk | 
|---|---|---|
| **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) | Payhawk | 
|---|---|---|
| **Receipt Capture** | 9.2 (1147 reviews) ✓ Verified | 8.8 (574 reviews) | 
| **Mileage Tracking** | 7.4 (692 reviews) ✓ Verified | 7.6 (499 reviews) | 
| **Travel Itinerary and Flight Status Updates** | Feature Not Available | 7.1 (465 reviews) | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Embedded AI / Machine Learning** | 7.1 (611 reviews) | 7.7 (508 reviews) | 
| **Complex Approval Workflow** | 7.7 (757 reviews) ✓ Verified | 7.9 (519 reviews) | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **PCI Regulation Compliant** | 8.2 (689 reviews) ✓ Verified | 8.1 (467 reviews) | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Business Tool Integration** | 8.3 (1023 reviews) ✓ Verified | 8.1 (532 reviews) | 
| **Workflow** | 8.3 (1012 reviews) ✓ Verified | 8.3 (557 reviews) | 
| **Automated Reminders** | 8.3 (1042 reviews) ✓ Verified | 8.4 (541 reviews) | 
| **Policy Compliance Management** | 8.4 (950 reviews) ✓ Verified | 8.3 (519 reviews) | 
| **User, Role, and Access Management** | 8.9 (1159 reviews) ✓ Verified | 8.5 (541 reviews) | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Reporting** | 8.4 (1017 reviews) ✓ Verified | 8.3 (530 reviews) | 
| **APIs / Integration** | 7.9 (771 reviews) ✓ Verified | 7.9 (498 reviews) | 
| **Internationalization** | 7.6 (639 reviews) | 8.2 (501 reviews) | 
| **Performance and Reliability** | 8.9 (1085 reviews) ✓ Verified | 8.7 (551 reviews) | 
| **Mobile User Support** | 8.9 (1026 reviews) ✓ Verified | 8.7 (531 reviews) | 

### Mileage Tracking

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

#### Setup

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Vehicles** | Not enough data | Feature Not Available | 
| **Employees** | Not enough data | Feature Not Available | 
| **Travel Types** | Not enough data | Feature Not Available | 
| **Locations** | Not enough data | Not enough data | 

#### Tracking

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Mileage** | Not enough data | Not enough data | 
| **Logs** | Not enough data | Not enough data | 
| **Automation** | Not enough data | Not enough data | 

#### Reimbursement

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Reimbursement** | Not enough data | Not enough data | 
| **Expenses** | Not enough data | Not enough data | 
| **Workflows** | Not enough data | Not enough data | 

#### Platform - Mileage Tracking

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Reporting** | Not enough data | Not enough data | 
| **Customer Support** | Not enough data | Not enough data | 

#### Agentic AI - Mileage Tracking

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

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.3/10 | 932 |
| **Payhawk** | 8.3/10 | 272 |

#### Setup

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Data** | 8.1 (703 reviews) | 8.3 (235 reviews) | 
| **Approvals** | 8.7 (766 reviews) | 8.6 (249 reviews) | 
| **Alignment** | 8.5 (625 reviews) | 8.5 (240 reviews) | 

#### Performance

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **KPIs** | 7.6 (548 reviews) | Feature Not Available | 
| **Benchmarks** | 7.6 (553 reviews) | 7.9 (211 reviews) | 
| **Forecasting** | 7.4 (556 reviews) | 7.5 (216 reviews) | 
| **Savings** | 7.6 (585 reviews) | Feature Not Available | 

#### Payment Cards

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **One-time Virtual** | 8.8 (653 reviews) | 7.9 (40 reviews) | 
| **Recurring Virtual** | 8.8 (673 reviews) | 8.9 (217 reviews) | 
| **Physical** | 9.0 (761 reviews) | 8.7 (222 reviews) | 

#### Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Real time** | 9.0 (746 reviews) | 8.7 (221 reviews) | 
| **Multiple Views** | 8.7 (650 reviews) | 8.6 (220 reviews) | 
| **Export** | 8.7 (699 reviews) | 8.5 (219 reviews) | 
| **Budgets** | 8.6 (787 reviews) | 8.0 (208 reviews) | 

#### Payments

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Vendor** | 8.4 (667 reviews) | 8.3 (217 reviews) | 
| **Recurring** | 8.6 (666 reviews) | 8.3 (219 reviews) | 
| **Employee Reimbursements** | 7.6 (609 reviews) | 8.8 (222 reviews) | 
| **ACH** | 8.0 (623 reviews) | 7.9 (197 reviews) | 

#### Fraud & Risk Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Notifications** | 8.4 (739 reviews) | 8.4 (216 reviews) | 
| **Unique Cards** | 8.8 (722 reviews) | 8.6 (206 reviews) | 
| **Controls** | 9.0 (741 reviews) | 8.9 (217 reviews) | 

#### Agentic AI - Spend Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Proactive Assistance** | 5.8 (59 reviews) | 7.8 (32 reviews) | 

### Procure to Pay

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

#### Planning

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Processes** | Not enough data | Not enough data | 
| **Contracts** | Not enough data | Not enough data | 
| **Content** | Not enough data | Not enough data | 
| **Requisition** | Not enough data | Not enough data | 

#### Execution

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Sourcing** | Not enough data | Feature Not Available | 
| **Purchasing** | Not enough data | Not enough data | 
| **Invoicing** | Not enough data | Not enough data | 

#### Analytics

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

#### Agentic AI -  Procure to Pay

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Multi-step Planning** | Not enough data | Not enough data | 
| **Autonomous Task Execution** | Not enough data | Not enough data | 
| **Proactive Assistance** | Not enough data | Not enough data | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 6.3/10 | 34 |
| **Payhawk** | 8.3/10 | 81 |

#### Invoice Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Capture** | 7.9 (21 reviews) | 9.0 (72 reviews) | 
| **Supplier Portal** | 5.7 (17 reviews) | 7.7 (66 reviews) | 
| **Repository** | 7.3 (20 reviews) | 8.6 (69 reviews) | 

#### Invoice Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Matching** | 6.9 (16 reviews) | 8.5 (65 reviews) | 
| **Payments** | 7.5 (19 reviews) | 8.6 (69 reviews) | 
| **Workflows** | 6.9 (18 reviews) | 8.8 (72 reviews) | 
| **Tax Compliance** | 6.6 (17 reviews) | 8.3 (66 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Due Dates** | 6.7 (18 reviews) | 8.6 (67 reviews) | 
| **Benchmarking** | 5.4 (16 reviews) | 8.1 (66 reviews) | 
| **KPIs** | 5.7 (16 reviews) | 7.8 (64 reviews) | 

#### Integration

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Accounting** | 8.7 (27 reviews) | 8.8 (72 reviews) | 
| **Payment Integration** | 8.3 (17 reviews) | 8.6 (66 reviews) | 
| **ERP** | 6.2 (17 reviews) | 8.5 (71 reviews) | 

#### Risk

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **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) | Payhawk | 
|---|---|---|
| **Recoup** | 6.4 (16 reviews) | Feature Not Available | 
| **Reporting** | 6.6 (17 reviews) | Feature Not Available | 

#### Audit

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Filters** | 6.4 (16 reviews) | 8.2 (63 reviews) | 
| **Post Audits** | 5.8 (16 reviews) | 8.3 (60 reviews) | 
| **Overpayments** | 5.3 (16 reviews) | 7.9 (59 reviews) | 
| **Duplicates** | 6.9 (18 reviews) | 8.4 (61 reviews) | 

#### Fraud

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Vendor Checks** | 6.5 (17 reviews) | 8.1 (59 reviews) | 
| **Data Generation** | 7.0 (16 reviews) | 8.3 (61 reviews) | 
| **Monitoring** | 6.6 (18 reviews) | 8.3 (60 reviews) | 

#### Agentic AI - AP Automation

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Autonomous Task Execution** | 5.8 (16 reviews) | 8.2 (13 reviews) | 
| **Proactive Assistance** | 5.8 (16 reviews) | 7.9 (13 reviews) | 
| **Decision Making** | 5.6 (16 reviews) | 7.9 (13 reviews) | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Payhawk** | 8.2/10 | 282 |

#### Invoice Generation

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Templates** | Not enough data | Feature Not Available | 
| **Digital Invoices** | Not enough data | Feature Not Available | 
| **Recurring Invoices** | Not enough data | Feature Not Available | 

#### Invoice Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Approvals** | Not enough data | 8.6 (256 reviews) | 
| **Batch Processing** | Not enough data | 8.1 (230 reviews) | 
| **Consolidation** | Not enough data | 8.1 (233 reviews) | 
| **Match Invoices** | Not enough data | 8.3 (248 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Due Dates** | Not enough data | 8.3 (235 reviews) | 
| **Cashflow** | Not enough data | 7.9 (224 reviews) | 
| **KPIs** | Not enough data | Feature Not Available | 
| **Payment Tracking** | Not enough data | 8.3 (237 reviews) | 

#### Integration

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Accounting** | Not enough data | 8.5 (252 reviews) | 
| **Payments** | Not enough data | 8.6 (249 reviews) | 
| **ERP** | Not enough data | 7.9 (232 reviews) | 
| **Account Sync** | Not enough data | 8.4 (237 reviews) | 

#### Agentic AI - Invoice Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Cross-system Integration** | Not enough data | 7.9 (26 reviews) | 
| **Adaptive Learning** | Not enough data | 7.9 (26 reviews) | 
| **Proactive Assistance** | Not enough data | 8.0 (26 reviews) | 

### Travel Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Payhawk** | 7.6/10 | 569 |

#### Expense Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Expense Automation** | Not enough data | Not enough data | 
| **Integration** | Not enough data | Not enough data | 
| **Compliance** | Not enough data | Not enough data | 
| **Mobile Functionality** | Not enough data | Not enough data | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Ease of Booking** | 7.5 (778 reviews) | 7.8 (529 reviews) | 
| **Itinerary Management** | 6.7 (634 reviews) | 7.3 (487 reviews) | 
| **Trip Notifications** | 6.5 (616 reviews) | 7.5 (61 reviews) | 
| **Advanced Integrations** | 6.9 (691 reviews) | 7.5 (505 reviews) | 

#### Approval 

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Rules** | Not enough data | Not enough data | 
| **Workflows** | Not enough data | Not enough data | 
| **Submit** | Not enough data | Not enough data | 

#### AI - Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Personalization** | Not enough data | Not enough data | 
| **Predictive Analytics** | Not enough data | Feature Not Available | 
| **Cost Savings** | Not enough data | Not enough data | 
| **Efficiency** | Not enough data | Feature Not Available | 
| **Real-Time Assistance** | Not enough data | Feature Not Available | 

#### Agentic AI - Travel Management

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

#### Employee Risk Management

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

#### Sustainability & Reporting

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

### Payment Card Issuance

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Payhawk** | 8.3/10 | 289 |

#### Card Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Card Types** | Not enough data | 8.8 (268 reviews) | 
| **Card Controls** | Not enough data | 8.8 (272 reviews) | 
| **Card Personalization** | Not enough data | Feature Not Available | 
| **Configuration** | Not enough data | 8.7 (242 reviews) | 
| **Fulfillment** | Not enough data | 7.8 (43 reviews) | 
| **Replacement** | Not enough data | 8.6 (245 reviews) | 

#### Controls

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Tokenization** | Not enough data | 7.8 (214 reviews) | 
| **Security** | Not enough data | 8.4 (248 reviews) | 
| **Card Networks** | Not enough data | 8.6 (232 reviews) | 
| **Integration** | Not enough data | 8.3 (239 reviews) | 
| **Testing** | Not enough data | 7.8 (225 reviews) | 
| **APIs** | Not enough data | 7.9 (214 reviews) | 

### Accounting & Finance

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

#### Agentic AI - Accounting & Finance

| Feature | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **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 Payhawk (5):** [Payment Card Issuance Software](https://www.g2.com/categories/payment-card-issuance), [Mileage Tracking Software](https://www.g2.com/categories/mileage-tracking), [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Travel Management Software](https://www.g2.com/categories/travel-management), [Procure to Pay Software](https://www.g2.com/categories/procure-to-pay)


---
## Reviewer Demographics

### By Company Size

| Segment | BILL Spend & Expense (Formerly Divvy) | Payhawk | 
|---|---|---|
| **Small-Business** | 65.3% | 31.5% | 
| **Mid-Market** | 33.2% | 59.0% | 
| **Enterprise** | 1.5% | 9.5% | 

### By Industry

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

- **Non-Profit Organization Management:** 14.8%
- **Construction:** 9.0%
- **Accounting:** 7.7%
- **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:** 44.1%

#### Payhawk

- **Computer Software:** 14.6%
- **Information Technology and Services:** 11.2%
- **Financial Services:** 6.6%
- **Accounting:** 6.1%
- **Marketing and Advertising:** 4.0%
- **Leisure, Travel & Tourism:** 2.7%
- **Construction:** 2.0%
- **Retail:** 2.0%
- **Automotive:** 1.7%
- **Computer & Network Security:** 1.7%
- **Other:** 47.4%

---
## Alternatives

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- [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 (5656 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 Payhawk

- [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)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2471 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7165 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5656 reviews)
- [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1611 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9289 reviews)
- [Moss | Spend smarter](https://www.g2.com/products/moss-spend-smarter/reviews) — 4.7/5 stars (244 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (417 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."

### Payhawk

- Title: [Payhawk incentivises gift card without any remarks - then G2 says 'not eligible'](https://www.g2.com/discussions/payhawk-incentivises-gift-card-without-any-remarks-then-g2-says-not-eligible) — 2 comments, 1 upvote *(includes official response)*
  > **Top comment:** "Hello Sebastian,

It appears that your G2 voucher has been marked as redeemed. If this isn’t correct or you need any assistance, please let us know. 🙌
"

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