# BILL Spend & Expense (Formerly Divvy) vs Ramp Comparison
---
## AI Generated Summary
- **G2 reviewers report** that BILL Spend & Expense (Formerly Divvy) excels in **spend management** , achieving a high satisfaction score. Users appreciate the platform's ability to provide real-time visibility into employee spending and customizable budgets, which simplifies tracking expenses and enhances financial oversight.
- **Users say** Ramp stands out for its **intuitive user interface** and ease of use. Many find the platform's AI capabilities, such as automatically matching receipts and pre-filling fields, to be particularly beneficial, making expense management feel seamless and efficient.
- **According to verified reviews** , BILL Spend & Expense (Formerly Divvy) offers strong **integration capabilities** with accounting software, which users find enhances their overall experience. Reviewers highlight how this integration simplifies receipt collection and speeds up reconciliation processes.
- **Reviewers mention** that Ramp's **spending controls** are a significant advantage, helping organizations prevent overspending and unauthorized charges. Users appreciate the elimination of physical receipts, as the platform allows for easy receipt forwarding directly from email.
- **G2 reviewers note** that while BILL Spend & Expense (Formerly Divvy) has a solid reputation for **budget management** , some users have expressed a desire for improved features in areas like employee reimbursements and currency conversions, indicating potential room for enhancement.
- **Users highlight** Ramp's commitment to continuous improvement, with frequent updates introducing new features that enhance the platform's functionality. This proactive approach has garnered positive feedback, as users feel their needs are being addressed with each iteration.



---
## Frequently Asked Questions

### What is the difference between BILL Spend & Expense... vs Ramp?

Ramp stands out from BILL Spend & Expense... with higher reviewer ratings, stronger support and setup scores, and a more frequently cited intuitive user experience.

| | [BILL Spend & Expense...](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) | [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) |
| --- | --- | --- |
| G2 Rating (reviews) | 4.5/5 (2,237 reviews) | 4.8/5 (2,495 reviews) |
| Largest Segment | Small-Business | Small-Business |
| Ease of Setup score | 8.8 | 9.4 |
| Quality of Support score | 8.5 | 9.2 |
| Top Reviewer-Cited Strength | Ease of Use (435 all-time mentions) | Ease of Use (241 all-time mentions) |



### How do the pricing models of BILL Spend & Expense... and Ramp compare?

Ramp is considered the stronger value by reviewers, with higher satisfaction on price and cost-related dimensions.

- **BILL Spend & Expense...:** In recent reviews, many highlight that the platform is free to use and offers rewards, but some note challenges with support and system customization.
- **Ramp:** Reviewers consistently praise Ramp for its intuitive interface, automation features, and strong value, with no significant negative sentiment on pricing.
- **Switching reasons:** Several reviewers mention switching to Ramp for its ease of use, faster reimbursements, and improved automation compared to other platforms.



### What are the best alternatives to BILL Spend & Expense... and Ramp?

The top 3 alternatives to BILL Spend & Expense... and Ramp are Stampli, Brex, and Coupa.

| Product | G2 Rating (reviews) | Largest Segment | Pricing Insight | Top Reviewer-Cited Strength |
| --- | --- | --- | --- | --- |
| [BILL Spend & Expense...](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) | 4.5/5 (2,237 reviews) | Small-Business | Free to use, rewards offered | Ease of Use (435 all-time mentions) |
| [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) | 4.8/5 (2,495 reviews) | Small-Business | Strong value, praised automation | Ease of Use (241 all-time mentions) |
| [Stampli](https://www.g2.com/products/stampli/reviews) | 4.6/5 (1,977 reviews) | Mid-Market | — | Invoice management |
| [Brex](https://www.g2.com/products/brex/reviews) | 4.8/5 (1,614 reviews) | Small-Business | — | Corporate card and spend controls |
| [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) | 4.2/5 (569 reviews) | Enterprise | — | Comprehensive spend management |



### Which Expense Management features should I prioritize when comparing BILL Spend & Expense... and Ramp?

Buyers should prioritize ease of use, integrations, budgeting controls, receipt management, and automation when comparing BILL Spend & Expense... and Ramp.

- **Ease of Use:** BILL Spend & Expense... (435 all-time mentions), Ramp (241 all-time mentions)
- **Integrations:** BILL Spend & Expense... (118 all-time mentions), Ramp (53 all-time mentions)
- **Budgeting Controls:** BILL Spend & Expense... offers robust budgeting features, frequently cited in reviews; Ramp reviewers highlight real-time spend controls and approval workflows.
- **Receipt Management:** Ramp (86 all-time mentions), BILL Spend & Expense... (120 all-time mentions)
- **Automation:** Ramp (80 all-time mentions), BILL Spend & Expense... reviewers mention automation tools and time-saving features



### What are the pros and cons of BILL Spend & Expense... vs Ramp?

Ramp's headline strength is its intuitive interface and automation, while BILL Spend & Expense... is most praised for ease of use and budgeting controls.

- **BILL Spend & Expense... strengths:** Ease of use (435 all-time mentions), expense management (224), convenience (161), easy setup (159), time-saving (158), easy integration (118), robust budgeting and card controls.
- **BILL Spend & Expense... trade-offs:** Inadequate categorization (41 all-time mentions), time-consuming aspects (41), support challenges, and some UI frustrations.
- **Ramp strengths:** Ease of use (241 all-time mentions), efficiency (137), automation (80), receipt management (86), strong customer support (87), intuitive interface, and fast reimbursements.
- **Ramp trade-offs:** Reviewers note occasional learning curve with new features and desire for more flexible reporting and international support.



### Is BILL Spend & Expense... or Ramp better for small businesses?

Ramp is the better fit for small businesses, with higher reviewer satisfaction and a strong presence in the small-business segment.

- **BILL Spend & Expense...:** Small-Business is the largest segment, with reviewers citing ease of use, budgeting, and receipt management as key benefits for small teams.
- **Ramp:** Small-Business is also the largest segment, but reviewers consistently highlight Ramp's intuitive interface, automation, and fast reimbursements as especially valuable for small businesses.



### Which Expense Management platform has better integrations?

Ramp is favored for integrations, with reviewers citing more frequent and diverse integration experiences.

- **BILL Spend & Expense...:** QuickBooks Online (63 all-time mentions), NetSuite (38), Qbo (76); reviewers highlight ease of connecting to accounting platforms.
- **Ramp:** Sage Intacct (26 all-time mentions); reviewers also mention QuickBooks integration and automated receipt matching with Gmail.



### How do BILL Spend & Expense... and Ramp compare on customer support?

Ramp outperforms BILL Spend & Expense... on Quality of Support by a material margin, with a 0.7-point higher score (9.2 vs 8.5).

- **BILL Spend & Expense...:** Reviewers frequently cite challenges with support responsiveness and resolution, with several noting difficulty reaching support and slow issue resolution.
- **Ramp:** Reviewers consistently praise Ramp's support, describing it as responsive, helpful, and efficient, with 87 all-time mentions for customer support.



### Which is easier to implement, BILL Spend & Expense... or Ramp?

Ramp is easier to implement than BILL Spend & Expense..., with a 0.6-point higher Ease of Setup score (9.4 vs 8.8).

- **BILL Spend & Expense...:** Reviewers describe setup as generally straightforward, but some note confusion during onboarding and challenges with system customization.
- **Ramp:** Reviewers consistently report very easy and fast setup, minimal onboarding required, and intuitive initial experiences.



### Which product has better Accounting?

Ramp is favored for Accounting, with higher reviewer satisfaction and more frequent mentions of accounting integration.

- **BILL Spend & Expense...:** Accounting integration is frequently cited, with 116 all-time mentions for QuickBooks integration and strong support for syncing transactions, but reviewers note occasional sync issues and reconciliation challenges.
- **Ramp:** Accounting integration is a top-cited feature (40 all-time mentions), with reviewers highlighting fast book closing, automated receipt matching, and strong integration with QuickBooks and Sage Intacct.



| | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.8 out of 5 | 
| **Total Reviews** | 2,240 | 2,536 | 

---
## 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)

### Ramp

Pros:
- Ease of Use (241 reviews)
- Efficiency (137 reviews)

Cons:
- Missing Features (34 reviews)
- Receipt Management (30 reviews)

---
## Ratings Comparison
| Rating | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
  | **Meets Requirements** | 9.0 (1863 reviews) | 9.4 (1908 reviews) | 
  | **Ease of Use** | 9.0 (1914 reviews) | 9.6 (1953 reviews) | 
  | **Ease of Setup** | 8.8 (1631 reviews) | 9.4 (1271 reviews) | 
  | **Ease of Admin** | 9.0 (1572 reviews) | 9.4 (1094 reviews) | 
  | **Quality of Support** | 8.5 (1741 reviews) | 9.2 (1584 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.0 (1554 reviews) | 9.5 (1081 reviews) | 
  | **Product Direction (% positive)** | 9.0 (1858 reviews) | 9.7 (1802 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 | 1469 |
| **Ramp** | 9.0/10 | 1311 |

#### Expense Reports

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Ease of Creating Expense Reports** | 8.5 (1067 reviews) ✓ Verified | 9.2 (916 reviews) | 
| **Bank / Credit Card Integration** | 8.8 (1104 reviews) ✓ Verified | 9.3 (1058 reviews) | 
| **Smart Categorization** | 8.3 (1092 reviews) ✓ Verified | 9.0 (1012 reviews) | 
| **Digital Receipt Management** | 9.1 (1242 reviews) ✓ Verified | 9.6 (1168 reviews) | 
| **Employee Reimbursement** | 7.8 (935 reviews) ✓ Verified | 9.4 (921 reviews) | 
| **Currency Conversions** | 7.8 (719 reviews) ✓ Verified | 8.6 (487 reviews) | 
| **Corporate Card** | 8.5 (979 reviews) ✓ Verified | Feature Not Available | 
| **Credit Card Management** | Not enough data | Not enough data | 

#### Agentic AI - Expense Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | 6.5 (119 reviews) | 7.5 (49 reviews) | 
| **Cross-system Integration** | 7.2 (123 reviews) | 8.3 (50 reviews) | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Ease of Booking** | 7.5 (778 reviews) | Feature Not Available | 
| **Itinerary Management** | 6.7 (634 reviews) | 8.1 (465 reviews) | 
| **Trip Notifications** | 6.5 (616 reviews) | Feature Not Available | 
| **Advanced Integrations** | 6.9 (691 reviews) | 8.5 (507 reviews) | 
| **Online Booking** | Not enough data | Not enough data | 
| **Credit Card Management** | Not enough data | Not enough data | 
| **Booking Management** | Not enough data | Not enough data | 
| **User Management** | Not enough data | Not enough data | 
| **Restriction Management** | Not enough data | Not enough data | 
| **Reservations Management** | Not enough data | Not enough data | 
| **Reimbursement Management** | Not enough data | Not enough data | 
| **Vendor Management** | Not enough data | Not enough data | 
| **Travel Management** | Not enough data | Not enough data | 
| **Promotions Management** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Receipt Management** | Not enough data | Not enough data | 
| **Supplier Management** | Not enough data | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 
| **Policy Management** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Real-Time Notifications** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 
| **Timesheet Management** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Reimbursement Management** | Not enough data | Not enough data | 
| **Real-Time Notifications** | Not enough data | Not enough data | 

#### Client Invoicing

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Electronic Payments** | 7.9 (890 reviews) ✓ Verified | Feature Not Available | 
| **Project Accounting / Revenue Recognition** | 7.8 (795 reviews) ✓ Verified | Feature Not Available | 
| **Biometric Recognition** | Not enough data | Not enough data | 
| **Optical Character Recognition** | Not enough data | Not enough data | 

#### 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 | 

#### Additional Functionality

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Audit Trail** | Not enough data | Not enough data | 
| **Secure Data Storage** | Not enough data | Not enough data | 
| **AI Copilot** | Not enough data | Not enough data | 
| **Approval Process Control** | Not enough data | Not enough data | 
| **Data Import/Export** | Not enough data | Not enough data | 
| **Duplicate Detection** | Not enough data | Not enough data | 
| **Expense Claims** | Not enough data | Not enough data | 
| **Budgeting/Forecasting** | Not enough data | Not enough data | 
| **Customizable Fields** | Not enough data | Not enough data | 
| **Spend Control** | Not enough data | Not enough data | 
| **Customizable Templates** | Not enough data | Not enough data | 
| **Access Controls/Permissions** | Not enough data | Not enough data | 
| **Reporting & Statistics** | Not enough data | Not enough data | 
| **Automated Receipt Matching** | Not enough data | Not enough data | 
| **Mobile Receipt Upload** | Not enough data | Not enough data | 
| **Billable & Non-Billable Hours** | Not enough data | Not enough data | 
| **Financial Analysis** | Not enough data | Not enough data | 
| **Categorization/Grouping** | Not enough data | Not enough data | 
| **Single Sign On** | Not enough data | Not enough data | 
| **Activity Dashboard** | Not enough data | Not enough data | 

#### Mobile

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Receipt Capture** | 9.2 (1148 reviews) ✓ Verified | 9.6 (1138 reviews) | 
| **Mileage Tracking** | 7.4 (692 reviews) ✓ Verified | Feature Not Available | 
| **Expense Tracking** | Not enough data | Not enough data | 
| **Real-Time Updates** | Not enough data | Not enough data | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Embedded AI / Machine Learning** | 7.1 (611 reviews) | 8.6 (687 reviews) | 
| **Complex Approval Workflow** | 7.7 (757 reviews) ✓ Verified | 8.8 (730 reviews) | 
| **Generative AI** | Not enough data | Not enough data | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **PCI Regulation Compliant** | 8.2 (689 reviews) ✓ Verified | 8.9 (502 reviews) | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Business Tool Integration** | 8.3 (1027 reviews) ✓ Verified | 9.1 (853 reviews) | 
| **Workflow** | 8.3 (1012 reviews) ✓ Verified | 9.3 (966 reviews) | 
| **Automated Reminders** | 8.3 (1043 reviews) ✓ Verified | 9.4 (1107 reviews) | 
| **Policy Compliance Management** | 8.4 (951 reviews) ✓ Verified | 9.3 (1001 reviews) | 
| **User, Role, and Access Management** | 8.9 (1159 reviews) ✓ Verified | 9.4 (1071 reviews) | 
| **Timesheet Management** | Not enough data | Not enough data | 
| **Payroll Management** | Not enough data | Not enough data | 
| **Employee Management** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Calendar Management** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Task Management** | Not enough data | Not enough data | 
| **Mobile Access** | Not enough data | Not enough data | 
| **Mobile Access** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Reporting** | 8.4 (1017 reviews) ✓ Verified | 9.1 (923 reviews) | 
| **APIs / Integration** | 7.9 (772 reviews) ✓ Verified | 8.9 (696 reviews) | 
| **Internationalization** | 7.6 (639 reviews) | Feature Not Available | 
| **Performance and Reliability** | 8.9 (1086 reviews) ✓ Verified | 9.5 (1065 reviews) | 
| **Mobile User Support** | 8.9 (1026 reviews) ✓ Verified | 9.1 (739 reviews) | 
| **Accounting Integration** | Not enough data | Not enough data | 
| **QuickBooks Integration** | Not enough data | Not enough data | 
| **Real-Time Reporting** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 
| **Payroll Integration** | Not enough data | Not enough data | 
| **Accounting Integration** | Not enough data | Not enough data | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.3/10 | 932 |
| **Ramp** | 9.3/10 | 1098 |

#### Setup

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Data** | 8.1 (703 reviews) | 9.0 (671 reviews) | 
| **Approvals** | 8.7 (766 reviews) | 9.3 (840 reviews) | 
| **Alignment** | 8.5 (625 reviews) | 9.2 (481 reviews) | 
| **Real-Time Data** | Not enough data | 9.7 (5 reviews) | 

#### Performance

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **KPIs** | 7.6 (548 reviews) | Feature Not Available | 
| **Benchmarks** | 7.6 (553 reviews) | Feature Not Available | 
| **Forecasting** | 7.4 (556 reviews) | 8.2 (460 reviews) | 
| **Savings** | 7.6 (585 reviews) | 8.8 (592 reviews) | 

#### Payment Cards

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **One-time Virtual** | 8.8 (653 reviews) | 9.4 (640 reviews) | 
| **Recurring Virtual** | 8.8 (673 reviews) | 9.5 (671 reviews) | 
| **Physical** | 9.0 (761 reviews) | 9.5 (744 reviews) | 

#### Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Real-Time Monitoring** | 9.0 (746 reviews) | 9.5 (734 reviews) | 
| **Multiple Views** | 8.7 (650 reviews) | 9.2 (612 reviews) | 
| **Data Import/Export** | 8.7 (699 reviews) | 9.1 (596 reviews) | 
| **Budgets** | 8.6 (787 reviews) | Feature Not Available | 
| **Real-Time Updates** | Not enough data | Not enough data | 
| **Real-Time Reporting** | Not enough data | Not enough data | 
| **Real-Time Analytics** | Not enough data | Not enough data | 

#### Payments

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Vendor** | 8.4 (667 reviews) | 9.2 (585 reviews) | 
| **Recurring** | 8.6 (666 reviews) | 9.2 (599 reviews) | 
| **Employee Reimbursements** | 7.6 (609 reviews) | 9.2 (695 reviews) | 
| **ACH** | 8.0 (623 reviews) | 9.2 (575 reviews) | 
| **Reimbursement Management** | Not enough data | 10.0 (5 reviews) | 

#### Fraud & Risk Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Notifications** | 8.4 (739 reviews) | 9.3 (754 reviews) | 
| **Unique Cards** | 8.8 (722 reviews) | 9.4 (721 reviews) | 
| **Controls** | 9.0 (741 reviews) | 9.4 (725 reviews) | 
| **Budget Control** | Not enough data | Not enough data | 
| **Approval Process Control** | Not enough data | Not enough data | 
| **Spend Control** | Not enough data | Not enough data | 
| **Prepaid Cards** | Not enough data | Not enough data | 

#### Agentic AI - Spend Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Proactive Assistance** | 5.8 (59 reviews) | 7.9 (70 reviews) | 

#### Additional Functionality

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Reminders** | Not enough data | Not enough data | 
| **Activity Tracking** | Not enough data | Not enough data | 
| **Invoice Processing** | Not enough data | Not enough data | 
| **Accounting Integration** | Not enough data | 9.7 (5 reviews) | 
| **Categorization/Grouping** | Not enough data | Not enough data | 
| **Reporting & Statistics** | Not enough data | Not enough data | 
| **Configurable Workflow** | Not enough data | Not enough data | 
| **Spend Analysis** | Not enough data | Not enough data | 
| **Expense Tracking** | Not enough data | 10.0 (12 reviews) | 
| **Third-Party Integrations** | Not enough data | 9.8 (7 reviews) | 
| **Accounting** | Not enough data | Not enough data | 
| **Audit Management** | Not enough data | Not enough data | 
| **Approval Workflow** | Not enough data | Not enough data | 
| **AI Copilot** | Not enough data | Not enough data | 
| **Supplier Management** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Billing & Invoicing** | Not enough data | Not enough data | 
| **Transaction History** | Not enough data | Not enough data | 
| **Purchase Order Management** | Not enough data | Not enough data | 
| **Audit Trail** | Not enough data | Not enough data | 
| **Generative AI** | Not enough data | Not enough data | 
| **Expense Claims** | Not enough data | 10.0 (6 reviews) | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Time & Expense Tracking** | Not enough data | Not enough data | 
| **Multi-Currency** | Not enough data | Not enough data | 
| **Vendor Management** | Not enough data | Not enough data | 
| **Procurement Management** | Not enough data | Not enough data | 
| **Credit Card Management** | Not enough data | 9.2 (6 reviews) | 
| **Compliance Management** | Not enough data | Not enough data | 
| **Requisition Management** | Not enough data | Not enough data | 
| **Customizable Reports** | Not enough data | Not enough data | 
| **Ad hoc Reporting** | Not enough data | Not enough data | 
| **Financial Management** | Not enough data | Not enough data | 
| **API** | Not enough data | Not enough data | 
| **Rules-Based Workflow** | Not enough data | Not enough data | 
| **Receipt Management** | Not enough data | 9.4 (18 reviews) | 
| **Activity Dashboard** | Not enough data | Not enough data | 
| **Purchasing & Receiving** | Not enough data | Not enough data | 

### Procure to Pay

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 8.4/10 | 44 |

#### Planning

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Processes** | Not enough data | 9.1 (38 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 (35 reviews) | 
| **Procurement Management** | Not enough data | Not enough data | 
| **Order Management** | Not enough data | Not enough data | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Visibility** | Not enough data | 9.0 (39 reviews) | 
| **Performance** | Not enough data | 9.1 (39 reviews) | 
| **Spend** | Not enough data | 8.8 (43 reviews) | 
| **Financial Reporting** | Not enough data | Not enough data | 

#### Agentic AI -  Procure to Pay

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

#### Additional Functionality

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Generative AI** | Not enough data | Not enough data | 
| **Integration Management** | Not enough data | Not enough data | 
| **Vendor Management** | Not enough data | Not enough data | 
| **Contract Lifecycle Management** | Not enough data | Not enough data | 
| **Budgeting/Forecasting** | Not enough data | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 
| **AI Copilot** | Not enough data | Not enough data | 
| **Inventory Management** | Not enough data | Not enough data | 

### Procurement Spend Analysis

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 8.6/10 | 57 |

#### Data Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Consolidation** | Not enough data | 8.6 (51 reviews) | 
| **Classification** | Not enough data | 9.1 (52 reviews) | 
| **External Sources** | Not enough data | 8.2 (48 reviews) | 
| **Integration** | Not enough data | 9.1 (51 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 | 7.7 (19 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Benchmarking** | Not enough data | 7.9 (45 reviews) | 
| **KPIs** | Not enough data | 8.0 (45 reviews) | 
| **Compliance** | Not enough data | 8.3 (46 reviews) | 
| **Errors** | Not enough data | 8.8 (48 reviews) | 

#### Recovery

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Historical payments** | Not enough data | 9.0 (48 reviews) | 
| **Overpayments** | Not enough data | 8.2 (44 reviews) | 

#### AP Data Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Workflows** | Not enough data | 9.0 (48 reviews) | 
| **Transparency** | Not enough data | 9.1 (48 reviews) | 
| **Controls** | Not enough data | 9.4 (47 reviews) | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 6.3/10 | 34 |
| **Ramp** | 8.3/10 | 146 |

#### Invoice Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Capture** | 7.9 (21 reviews) | 9.2 (130 reviews) | 
| **Supplier Portal** | 5.7 (17 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** | 7.5 (19 reviews) | 9.2 (134 reviews) | 
| **Workflows** | 6.9 (18 reviews) | 9.1 (134 reviews) | 
| **Tax Compliance** | 6.6 (17 reviews) | Feature Not Available | 
| **Recurring Payments** | Not enough data | Not enough data | 

#### 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** | 8.7 (27 reviews) | 9.1 (136 reviews) | 
| **Payment Integration** | 8.3 (17 reviews) | Feature Not Available | 
| **ERP** | 6.2 (17 reviews) | 8.6 (120 reviews) | 
| **ERP integration** | Not enough data | Not enough data | 

#### 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** | 6.6 (17 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** | 6.9 (18 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** | 6.6 (18 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) | 

#### Additional Functionality

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Data Import/Export** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Online Banking** | Not enough data | Not enough data | 
| **1099 Preparation** | Not enough data | Not enough data | 
| **Generative AI** | Not enough data | Not enough data | 
| **Receipt Management** | Not enough data | Not enough data | 
| **AI Copilot** | Not enough data | Not enough data | 
| **Fraud Detection** | Not enough data | Not enough data | 
| **Duplicate Payment Alert** | Not enough data | Not enough data | 
| **Document Management** | Not enough data | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 
| **Inventory Management** | Not enough data | Not enough data | 
| **Check Writing** | Not enough data | Not enough data | 
| **Mobile Access** | Not enough data | Not enough data | 
| **Audit Trail** | Not enough data | Not enough data | 
| **Reporting/Analytics** | Not enough data | Not enough data | 
| **Multi-Currency** | Not enough data | Not enough data | 
| **Status Tracking** | Not enough data | Not enough data | 
| **Activity Dashboard** | Not enough data | Not enough data | 
| **Cash Management** | Not enough data | Not enough data | 
| **Alerts/Notifications** | Not enough data | Not enough data | 
| **Billing & Invoicing** | Not enough data | Not enough data | 
| **Vendor Management** | Not enough data | Not enough data | 
| **Anomaly Detection** | Not enough data | Not enough data | 
| **API** | Not enough data | Not enough data | 
| **ACH Payment Processing** | Not enough data | Not enough data | 
| **Invoice Processing** | Not enough data | Not enough data | 
| **Aging Tracking** | Not enough data | Not enough data | 
| **Supplier Management** | Not enough data | Not enough data | 
| **General Ledger** | Not enough data | Not enough data | 
| **Expense Tracking** | Not enough data | Not enough data | 
| **Bank Reconciliation** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Customizable Reports** | Not enough data | Not enough data | 
| **Approval Process Control** | Not enough data | Not enough data | 
| **Electronic Funds Transfer** | Not enough data | Not enough data | 
| **Purchase Order Reconciliation** | Not enough data | Not enough data | 
| **Financial Management** | Not enough data | Not enough data | 
| **Workflow Automation** | Not enough data | Not enough data | 

### Travel Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 8.8/10 | 990 |

#### Expense Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Expense Automation** | Not enough data | 9.5 (121 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) | 
| **Accounting Integration** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Ease of Booking** | 7.5 (778 reviews) | Feature Not Available | 
| **Itinerary Management** | 6.7 (634 reviews) | 8.1 (465 reviews) | 
| **Trip Notifications** | 6.5 (616 reviews) | Feature Not Available | 
| **Advanced Integrations** | 6.9 (691 reviews) | 8.5 (507 reviews) | 
| **Online Booking** | Not enough data | Not enough data | 
| **Credit Card Management** | Not enough data | Not enough data | 
| **Booking Management** | Not enough data | Not enough data | 
| **User Management** | Not enough data | Not enough data | 
| **Restriction Management** | Not enough data | Not enough data | 
| **Reservations Management** | Not enough data | Not enough data | 
| **Reimbursement Management** | Not enough data | Not enough data | 
| **Vendor Management** | Not enough data | Not enough data | 
| **Travel Management** | Not enough data | Not enough data | 
| **Promotions Management** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Receipt Management** | Not enough data | Not enough data | 
| **Supplier Management** | Not enough data | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 
| **Policy Management** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Real-Time Notifications** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 
| **Timesheet Management** | Not enough data | Not enough data | 
| **Invoice Management** | Not enough data | Not enough data | 
| **Reimbursement Management** | Not enough data | Not enough data | 
| **Real-Time Notifications** | Not enough data | Not enough data | 

#### 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) | 
| **Reporting/Analytics** | Not enough data | Not enough data | 
| **Real-Time Analytics** | Not enough data | Not enough data | 

#### 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 | 
| **Expense Tracking** | Not enough data | Not enough data | 
| **Real-time Alerts** | 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 | 
| **Real-Time Reporting** | Not enough data | Not enough data | 

#### Additional Functionality

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **API** | Not enough data | Not enough data | 
| **Dashboard** | Not enough data | Not enough data | 
| **Approval Process Control** | Not enough data | Not enough data | 
| **Financial Analysis** | Not enough data | Not enough data | 
| **Dashboard Creation** | Not enough data | Not enough data | 
| **Billing & Invoicing** | Not enough data | Not enough data | 
| **Expense Claims** | Not enough data | Not enough data | 
| **Budget Control** | Not enough data | Not enough data | 
| **Generative AI** | Not enough data | Not enough data | 
| **Reminders** | Not enough data | Not enough data | 
| **Electronic Payments** | Not enough data | Not enough data | 
| **Activity Dashboard** | Not enough data | Not enough data | 
| **Multi-Currency** | Not enough data | Not enough data | 
| **Real-Time Updates** | Not enough data | Not enough data | 
| **Multi-Language** | Not enough data | Not enough data | 
| **Customizable Reports** | Not enough data | Not enough data | 
| **Spend Control** | Not enough data | Not enough data | 
| **Reporting & Statistics** | Not enough data | Not enough data | 
| **Mobile Access** | Not enough data | Not enough data | 
| **Spend Analysis** | Not enough data | Not enough data | 
| **Categorization/Grouping** | Not enough data | Not enough data | 
| **Real-Time Data** | Not enough data | Not enough data | 
| **Single Sign On** | Not enough data | Not enough data | 
| **AI Copilot** | Not enough data | Not enough data | 
| **Employee Self Service** | 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) | 

#### Additional Functionality

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Generative AI** | Not enough data | Not enough data | 
| **Billing & Invoicing** | Not enough data | Not enough data | 
| **Customizable Templates** | Not enough data | Not enough data | 
| **User Management** | Not enough data | Not enough data | 
| **Invoice Processing** | Not enough data | Not enough data | 
| **Onboarding** | Not enough data | Not enough data | 
| **Search/Filter** | Not enough data | Not enough data | 
| **Sourcing Management** | Not enough data | Not enough data | 
| **Vendor Master Data Management** | Not enough data | Not enough data | 
| **Procurement Management** | Not enough data | Not enough data | 
| **Reporting & Statistics** | Not enough data | Not enough data | 
| **Document Management** | Not enough data | Not enough data | 
| **Project Management** | Not enough data | Not enough data | 
| **Data Visualization** | Not enough data | Not enough data | 
| **Access Controls/Permissions** | Not enough data | Not enough data | 
| **Transaction History** | Not enough data | Not enough data | 
| **Risk Assessment** | Not enough data | Not enough data | 
| **Activity Dashboard** | Not enough data | Not enough data | 
| **Real-Time Data** | Not enough data | Not enough data | 
| **Alerts/Notifications** | Not enough data | Not enough data | 
| **Offboarding** | Not enough data | Not enough data | 
| **AI Copilot** | Not enough data | Not enough data | 
| **Self Service Portal** | Not enough data | Not enough data | 
| **Audit Management** | Not enough data | Not enough data | 
| **Collaboration Tools** | Not enough data | Not enough data | 
| **API** | Not enough data | Not enough data | 
| **Approval Process Control** | Not enough data | Not enough data | 
| **Vendor Payment** | Not enough data | Not enough data | 
| **Third-Party Integrations** | Not enough data | Not enough data | 
| **Performance Metrics** | Not enough data | Not enough data | 
| **Purchase Order Management** | Not enough data | Not enough data | 
| **Contract/License Management** | Not enough data | Not enough data | 
| **Data Import/Export** | Not enough data | Not enough data | 
| **Single Sign On** | Not enough data | Not enough data | 
| **Workflow Management** | Not enough data | Not enough data | 
| **Compliance Management** | Not enough data | Not enough data | 
| **Task Management** | Not enough data | Not enough data | 

#### 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** | 65.4% | 56.4% | 
| **Mid-Market** | 33.1% | 41.1% | 
| **Enterprise** | 1.4% | 2.5% | 

### By Industry

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

- **Non-Profit Organization Management:** 14.7%
- **Construction:** 9.0%
- **Accounting:** 7.7%
- **Religious Institutions:** 5.3%
- **Computer Software:** 4.0%
- **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%

#### Ramp

- **Computer Software:** 13.9%
- **Information Technology and Services:** 9.0%
- **Non-Profit Organization Management:** 6.9%
- **Financial Services:** 5.1%
- **Construction:** 4.7%
- **Accounting:** 4.1%
- **Marketing and Advertising:** 3.5%
- **Hospital & Health Care:** 3.0%
- **Religious Institutions:** 2.7%
- **Health, Wellness and Fitness:** 2.7%
- **Other:** 44.5%

---
## Alternatives

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

- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1638 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9298 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7216 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (424 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 (207 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5683 reviews)
- [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2469 reviews)
- [Mesh Payments](https://www.g2.com/products/mesh-payments/reviews) — 4.6/5 stars (1065 reviews)
- [Emburse Spend](https://www.g2.com/products/emburse-emburse-spend/reviews) — 4.5/5 stars (1130 reviews)

### Alternatives to Ramp

- [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (2039 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (570 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1638 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (424 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9298 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7216 reviews)
- [Mesh Payments](https://www.g2.com/products/mesh-payments/reviews) — 4.6/5 stars (1065 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (424 reviews)
- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (925 reviews)
- [Teampay](https://www.g2.com/products/teampay/reviews) — 4.4/5 stars (561 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: [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) — 2 comments, 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."
- 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..."

### 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..."

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