# BILL Spend & Expense (Formerly Divvy) vs Sage Expense Management Comparison --- ## AI Generated Summary - **G2 reviewers report** that Sage Expense Management excels in **ease of creating expense reports** , with users appreciating the simplicity of submitting expenses and the convenience of uploading receipts directly through the app. This feature significantly reduces the hassle of manual tracking. - **Users say** that BILL Spend & Expense (formerly Divvy) stands out for its **real-time tracking and automation** , which enhances financial transparency. Reviewers highlight the ability to manage expenses, corporate cards, and budgets all in one place, making it a comprehensive solution for small businesses. - **According to verified reviews** , Sage Expense Management receives high marks for its **quality of support** , with users noting that the assistance provided is responsive and helpful. This level of support can be crucial for businesses that need quick resolutions to issues. - **Reviewers mention** that while BILL Spend & Expense offers a user-friendly experience, some users feel that its **credit card integration** could be improved. Despite this, the app's flexibility and integration with platforms like Intacct are frequently praised. - **G2 reviewers highlight** that Sage Expense Management's **digital receipt management** is a strong feature, allowing users to easily capture and store receipts, which is a significant time-saver for expense reporting. - **Users report** that while both products have their strengths, BILL Spend & Expense's **receipt tracking** is particularly noted as a top feature, with many users finding it essential for maintaining organized financial records and streamlining the expense management process. | | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Star Rating** | 4.5 out of 5 | 4.6 out of 5 | | **Total Reviews** | 2,229 | 1,820 | | **Largest Market Segment** | Small-Business (65.3% of reviews) | Mid-Market (53.8% of reviews) | | **Entry Level Price** | $0.00 1 user Per Month | Contact Us | --- ## 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) ### Sage Expense Management Pros: - Ease of Use (145 reviews) - Easy Upload (61 reviews) Cons: - Deletion Difficulties (21 reviews) - Receipt Management (19 reviews) --- ## Ratings Comparison | Rating | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Meets Requirements** | 9.0 (1850 reviews) | 9.3 (1506 reviews) | | **Ease of Use** | 9.0 (1898 reviews) | 9.2 (1532 reviews) | | **Ease of Setup** | 8.8 (1616 reviews) | 9.0 (588 reviews) | | **Ease of Admin** | 9.0 (1556 reviews) | 8.9 (129 reviews) | | **Quality of Support** | 8.5 (1728 reviews) | 9.2 (1090 reviews) | | **Has the product been a good partner in doing business?** | 9.1 (1538 reviews) | 9.3 (130 reviews) | | **Product Direction (% positive)** | 9.0 (1844 reviews) | 9.1 (1478 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 ### Sage Expense Management #### Entry-Level Pricing Plan: Enterprise Price: Contact Us Description: Suited for large, global enterprises with 250+ employees who have advanced needs Key Features: - Everything in Business + - Peace of mind with enterprise-grade security and compliance, including enterprise key management - Scalable platform with support for upto 250,000 users [Browse all 3 editions](https://www.g2.com/products/sage-expense-management/pricing) #### Free Trial No --- ## Features Comparison By Category ### Expense Management | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 8.0/10 | 1456 | | **Sage Expense Management** | 8.5/10 | 1470 | #### Expense Reports | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Ease of Creating Expense Reports** | 8.5 (1062 reviews) ✓ Verified | 9.2 (1334 reviews) ✓ Verified | | **Bank / Credit Card Integration** | 8.8 (1099 reviews) ✓ Verified | 9.0 (1042 reviews) ✓ Verified | | **Smart Categorization** | 8.3 (1087 reviews) ✓ Verified | 8.5 (1127 reviews) ✓ Verified | | **Digital Receipt Management** | 9.1 (1233 reviews) ✓ Verified | 9.1 (1250 reviews) ✓ Verified | | **Employee Reimbursement** | 7.8 (932 reviews) ✓ Verified | 9.1 (1236 reviews) ✓ Verified | | **Currency Conversions** | 7.8 (719 reviews) ✓ Verified | 8.4 (885 reviews) ✓ Verified | | **Credit Card Integration** | 8.5 (976 reviews) ✓ Verified | 8.9 (930 reviews) ✓ Verified | #### Agentic AI - Expense Management | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Autonomous Task Execution** | 6.5 (119 reviews) | 7.5 (77 reviews) | | **Cross-system Integration** | 7.2 (124 reviews) | 7.7 (76 reviews) | #### Travel Management | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Ease of Booking** | 7.5 (778 reviews) | 8.1 (776 reviews) ✓ Verified | | **Itinerary Management** | 6.7 (634 reviews) | 7.9 (745 reviews) ✓ Verified | | **Trip Notifications** | 6.5 (616 reviews) | 7.6 (611 reviews) | | **Advanced Integrations** | 6.9 (691 reviews) | 8.0 (786 reviews) ✓ Verified | #### Client Invoicing | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Electronic Payments** | 7.9 (890 reviews) ✓ Verified | 8.4 (815 reviews) ✓ Verified | | **Project Accounting / Revenue Recognition** | 7.8 (795 reviews) ✓ Verified | 8.3 (751 reviews) ✓ Verified | #### Generative AI - Expense Management | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Image-to-Text** | Not enough data | 9.7 (6 reviews) | | **Text Generation** | Not enough data | Not enough data | | **Text Summarization** | Not enough data | Not enough data | #### Mobile | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Receipt Capture** | 9.2 (1143 reviews) ✓ Verified | 9.2 (1218 reviews) ✓ Verified | | **Mileage Tracking** | 7.4 (692 reviews) ✓ Verified | 8.4 (893 reviews) | | **Travel Itinerary and Flight Status Updates** | Feature Not Available | 7.9 (710 reviews) ✓ Verified | #### Platform | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Embedded AI / Machine Learning** | 7.1 (611 reviews) | 8.0 (778 reviews) ✓ Verified | | **Complex Approval Workflow** | 7.7 (757 reviews) ✓ Verified | 8.3 (819 reviews) ✓ Verified | #### Administration | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **PCI Regulation Compliant** | 8.2 (689 reviews) ✓ Verified | 8.1 (577 reviews) | #### Administration | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Business Tool Integration** | 8.3 (1022 reviews) ✓ Verified | 8.5 (834 reviews) ✓ Verified | | **Workflow** | 8.3 (1012 reviews) ✓ Verified | 8.7 (916 reviews) ✓ Verified | | **Automated Reminders** | 8.3 (1040 reviews) ✓ Verified | 8.8 (952 reviews) ✓ Verified | | **Policy Compliance Management** | 8.4 (950 reviews) ✓ Verified | 8.6 (849 reviews) ✓ Verified | | **User, Role, and Access Management** | 8.9 (1156 reviews) ✓ Verified | 8.7 (906 reviews) ✓ Verified | #### Platform | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Reporting** | 8.4 (1017 reviews) ✓ Verified | 8.9 (1009 reviews) ✓ Verified | | **APIs / Integration** | 7.9 (769 reviews) ✓ Verified | 8.3 (746 reviews) ✓ Verified | | **Internationalization** | 7.6 (640 reviews) | 8.3 (739 reviews) ✓ Verified | | **Performance and Reliability** | 8.9 (1084 reviews) ✓ Verified | 9.0 (1072 reviews) ✓ Verified | | **Mobile User Support** | 8.9 (1025 reviews) ✓ Verified | 8.9 (995 reviews) ✓ Verified | | **Offline** | Feature Not Available | 8.2 (779 reviews) ✓ Verified | ### Spend Management | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 8.3/10 | 932 | | **Sage Expense Management** | N/A | N/A | #### Setup | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Data** | 8.1 (703 reviews) | Not enough data | | **Approvals** | 8.6 (766 reviews) | Not enough data | | **Alignment** | 8.5 (625 reviews) | Not enough data | #### Performance | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **KPIs** | 7.6 (548 reviews) | Not enough data | | **Benchmarks** | 7.6 (553 reviews) | Not enough data | | **Forecasting** | 7.4 (556 reviews) | Not enough data | | **Savings** | 7.6 (585 reviews) | Not enough data | #### Payment Cards | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **One-time Virtual** | 8.8 (653 reviews) | Not enough data | | **Recurring Virtual** | 8.8 (673 reviews) | Not enough data | | **Physical** | 9.0 (760 reviews) | Not enough data | #### Reporting | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Real time** | 9.0 (747 reviews) | Not enough data | | **Multiple Views** | 8.7 (651 reviews) | Not enough data | | **Export** | 8.7 (699 reviews) | Not enough data | | **Budgets** | 8.6 (786 reviews) | Not enough data | #### Payments | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Vendor** | 8.4 (667 reviews) | Not enough data | | **Recurring** | 8.6 (666 reviews) | Not enough data | | **Employee Reimbursements** | 7.6 (608 reviews) | Not enough data | | **ACH** | 7.9 (622 reviews) | Not enough data | #### Fraud & Risk Management | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Notifications** | 8.4 (740 reviews) | Not enough data | | **Unique Cards** | 8.8 (721 reviews) | Not enough data | | **Controls** | 9.0 (740 reviews) | Not enough data | #### Agentic AI - Spend Management | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Proactive Assistance** | 5.8 (59 reviews) | Not enough data | ### AP Automation | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 6.4/10 | 35 | | **Sage Expense Management** | N/A | N/A | #### Invoice Management | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Capture** | 7.9 (21 reviews) | Not enough data | | **Supplier Portal** | 5.7 (17 reviews) | Not enough data | | **Repository** | 7.3 (20 reviews) | Not enough data | #### Invoice Processing | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **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) | Not enough data | #### Analytics | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Due Dates** | 6.7 (18 reviews) | Not enough data | | **Benchmarking** | 5.4 (16 reviews) | Not enough data | | **KPIs** | 5.7 (16 reviews) | Not enough data | #### Integration | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **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) | Sage Expense Management | |---|---|---| | **Analysis** | 5.9 (16 reviews) | Not enough data | | **Identification** | 6.7 (17 reviews) | Not enough data | | **Scoring** | 5.4 (15 reviews) | Not enough data | #### Recovery | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Recoup** | 6.4 (16 reviews) | Not enough data | | **Reporting** | 6.7 (18 reviews) | Not enough data | #### Audit | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Filters** | 6.4 (16 reviews) | Not enough data | | **Post Audits** | 5.8 (16 reviews) | Not enough data | | **Overpayments** | 5.3 (16 reviews) | Not enough data | | **Duplicates** | 7.1 (19 reviews) | Not enough data | #### Fraud | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Vendor Checks** | 6.5 (17 reviews) | Not enough data | | **Data Generation** | 7.0 (16 reviews) | Not enough data | | **Monitoring** | 6.8 (19 reviews) | Not enough data | #### Agentic AI - AP Automation | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Autonomous Task Execution** | 5.8 (16 reviews) | Not enough data | | **Proactive Assistance** | 5.8 (16 reviews) | Not enough data | | **Decision Making** | 5.6 (16 reviews) | Not enough data | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A | | **Sage Expense Management** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | --- ## Categories **Shared Categories (1):** [Expense Management Software](https://www.g2.com/categories/expense-management) **Unique to BILL Spend & Expense (Formerly Divvy) (2):** [Spend Management Software](https://www.g2.com/categories/spend-management), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation) --- ## Reviewer Demographics ### By Company Size | Segment | BILL Spend & Expense (Formerly Divvy) | Sage Expense Management | |---|---|---| | **Small-Business** | 65.3% | 32.2% | | **Mid-Market** | 33.2% | 53.8% | | **Enterprise** | 1.5% | 14.0% | ### By Industry #### BILL Spend & Expense (Formerly Divvy) - **Non-Profit Organization Management:** 14.6% - **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% #### Sage Expense Management - **Computer Software:** 11.7% - **Information Technology and Services:** 9.1% - **Non-Profit Organization Management:** 7.3% - **Construction:** 6.1% - **Marketing and Advertising:** 4.7% - **Automotive:** 4.3% - **Real Estate:** 3.7% - **Accounting:** 3.0% - **Religious Institutions:** 2.4% - **Education Management:** 2.4% - **Other:** 45.2% --- ## Alternatives ### Alternatives to BILL Spend & Expense (Formerly Divvy) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2460 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 (9282 reviews) - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7137 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) - [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) - [PEX](https://www.g2.com/products/pex/reviews) — 4.6/5 stars (192 reviews) - [Mesh Payments](https://www.g2.com/products/mesh-payments/reviews) — 4.6/5 stars (1067 reviews) ### Alternatives to Sage Expense Management - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7137 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) - [Zoho Expense](https://www.g2.com/products/zoho-expense/reviews) — 4.5/5 stars (1540 reviews) - [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1126 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9282 reviews) - [Happay](https://www.g2.com/products/happay/reviews) — 4.5/5 stars (433 reviews) - [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2460 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1608 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." ### Sage Expense Management - Title: [Can I join as an individual or an employee?](https://www.g2.com/discussions/joining-as-an-individual) — 4 comments, 2 upvotes > **Top comment:** "You can get started on Fyle as an employee. Individual sign-ups are no longer supported. For details of getting started with Fyle as an employee, refer..." - Title: [How can autofyle work better and what is best practice for mobile receipts](https://www.g2.com/discussions/25390-how-can-autofyle-work-better-and-what-is-best-practice-for-mobile-receipts) — 2 comments, 1 upvote > **Top comment:** "You can add the mobile bill by dragging it to the defined space or by using the uploading icon. You can mention the period of the bill along with the carrier..." - Title: [Can there be more categories included for which we can add/track the expense (i know "Others" cover those), but wanted some expenses for specific category to track those](https://www.g2.com/discussions/can-there-be-more-categories-included-for-which-we-can-add-track-the-expense-i-know-others-cover-those-but-wanted-some-expenses-for-specific-category-to-track-those) — 2 comments, 1 upvote > **Top comment:** "Hey Anil There is a method to add custom Categories in Fyle To add a Custom Expense Category, just follow the below steps on the web interface 1. Click..." - Title: [How can i add a custom expense category?](https://www.g2.com/discussions/how-can-i-add-a-custom-expense-category) — 2 comments, 1 upvote > **Top comment:** "Not possible yet. But you can ask about it here: https://www.fylehq.com/help/en/" - Title: [Can I automate submissions?](https://www.g2.com/discussions/can-i-automate-submissions) — 2 comments, 1 upvote > **Top comment:** "No you have to Create ones Report then you submit it Dear Mo. 8866941435 (For Other help regarding Fyle) " --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/bill-spend-expense-formerly-divvy-vs-sage-expense-management)